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HomeMy WebLinkAbout10-2803F1 LEV D,, FirCE OF {('? t_rr' i._ ,. H THE 1010 APR 27 Ali 9: 59 CUM-: UJ?Y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No : ?? - 01$03 a-wI l ??M1 vs. COMPLAINT IN CIVIL ACTION RICHARD G KEEFER 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 08178570 C A Pit EMR 4U. oo PQ AT-r`( e?-r 4sy (0950 ?qjaoj IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No RICHARD G KEEFER 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: RICHARD G KEEFER 1718 LOCUST ST NEW CUMBERLND, PA 17070 3. Defendant applied for and received a credit card bearing the account number XXXXXXX:XXXXX6925 . 4. Defendant made use of said credit card and has a current balance due of $4464.26 , as of February 10, 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 February 10, 2010 . A copy of Plaintiff's Statement is attached hereto, marked as Exhibit 111" and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for Judgment in its favor and against Defendant , RICHARD G KEEFER individually , in the amount of $4464.26 with interest at the rate of 29.990% per annum from February 10, 2010 plus attorneys' fees of $125.00 , and costs. James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Sev th Avenue, Suite 1400 Pittsb r h, PA 15219 (412) 3 -7955 FAX: 12 338-7130 0817 7 C A Pit EMR This law firm is a debt collector attem4t?kg to collect this debt for our client and any information obtained/3WIll be used for that purpose. ?7 v cR CARD $0.00 1 $980.00 ! Erter Amount Enclosed Below Payment Due Date $, February 26, 2010 31 SDSt46A01 0005771 RICHARD KEEFER Go paperless and make your account information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070-1458 Learn more atdiscover.com/paperless. PO BOX 6103 11 11111111111 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. 000001986458584032268000000 000000000098000 Discover More Card Account Summary Closing Date: January 31, 2010 page 1 of 1 Account number ending in 6925 Previous Balance $4,464.26 Payment Due Date February 26, 2010 Payments And Credits 4,464.26 Minimum Payment Due $980.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $0.00 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: January 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 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 31 Jan 31 INTERNAL CHARGE-OFF $ -4,464.26 s Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 22 days Purchases. $0 0.08216% 29.99% V 29.99% $0 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 Tlie 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 1-600-947-2663. Cn 0 Blllisyr Rlahts Summary In Case of Errors or Questions About Your BIII; If you thin bill is wrong, or If you need more Information about a n pVOans314 or vo ur bill, writetoo us on a separate sheet of per at Discover Card MIX 30421 Sali Lake City. UT 84130-0421 as soon as Usstiut don so swillenot from veserve nv0ourkright2s In youa Iette give sent he°follhowin s{infolrmauorech the error or problem appeared. Vou can telephone o • Your namg and Account number 9 0 • The dollar amount of the suspected error c5 aboutcribe the error and explafh, if you can, why you believe there is an error. If you need more Information, describe the Item you are unsure You do not have topav an amount in uuestion while we are Investsu??i?u, but you are still obligated to the parts of your bill that are not in N question. While we InvesUate your question, we cannot report you a3 dellnquer(t or take any action to collect the amount 0 you question. 8 al Rula for Credit ?ard Purchases: If you have a roblem with the quality of or services that You rchased with a credit card, and u have tried In ggood fa th to correct the problem with ?he merohant mady not Roods, ova o pa the remain mount due on thI 0oods or servlf?es, ou ha this protectlo only when the purchase rice was more than ?Yg40 an the purchase s made a Yo r one state or wlg 100 miles o regardless g the am" rmoun or Your ma Hn aheman own or operate the rrferohant or If we malted you the advert isement for the As or services, all purchases are covered t or location 6f purchase) tlesrcil" above utK0 zz u'sCOto use ?hI or°rtQaonloonn of tr checkemtosmaketan erecron?cptu ddnsfer TTosend ou racco nt atth? your chaeck as instituti on I di on your check or torcrocess eay ent a$ a check transaction, if paymentkeIs processed as an electronic fundntransier, the transfer wll be for the mount of the chk When use Information from ur check to ma an electronic fund transfer funds may be withdrawn Tom your account as soon as the same day we receive your payment and you will not race ve your check back institution. fom your financial The vo aswent vo vo oavment iT a Daum anh?f0ddiesA of ii yo?1 mav l be doetlhved ? larf the one ovhideod Pammtents ec °elaed oritomafter 1 PMrat d nII% use an envy pp p Yy pr lller4ondaent to th h Frid or on a weekend or bank holee er idayy will be led to r AcrwLnt as of the next business day. It vau uh8ve mss IAced send r ent to Discover Bank, PC Box 6T03 Carol, Stream IL 60197-6103. Please allow 7-10 days f6r delive If p r ? 1?pCe unppaal , we r arve the d ht to resubmit it as an electronic debit' N• your paymefYi is returned' Yau can pad your minimum payment or a greater amount over the telephone, and you can set u automatic aavmants. Call us at 1.800-347-2683. You will need trtls statement aria your bank account information. You must ensure that sufficient f? ds are avai e l OI In your transactions must u0moly with U.. law. You will be asked to provide the first 5 digll, of as account statement zlD cod bank anccgount and all numbers as r elect is slature you will be aoreeln to this authorization to a low sand your bank to deduct eachyBme?nt you a°SUthorize ur from Yyoo nk account and f0 gnin fiats debit orcredit en ies to your bank account as aDpllcabre, to correct an error in th pracesstng of such each s?tatemeni Yaitclan cancel a°ouanvtmen>a ,=en t cna i notice atmou t three bus??esMs Inimui Payment D? or Ihhe NWRalancent ° You m noUiTvy us bbyy pphhone at 1-800-34T-2683 orby mat at tmh0e address listed In the orevlous araara ays n advance page on each mdnVily less than tell statement when urpayrfyent will be made and how much n will be.pyou? duo Tnacur,entnamou t may be le ndicated on the mol?thly statement baed do credits or payments applied during the billing cycle. Credit Raga We m ro rt information about your account to credit bureaus. Late vments, missed payments, or other defaults on Your account ma be"ieflectedn yppour crodit report We normal re R the slats and paymenfstory of Tyour Abcbunt to credit reporting agencies each Imto t believe that ouf re rt Is Inai c rate or loco etp?o lease wr to us at the tot owln? add ess: Discover Card, PO Bdx 15316,q,910tington. DE s99u03188 PPlease include ?o°ur name, address, home t??eplio?ie number and Account number. Brace Peied on Purchases (at least 25 d ?, We begin to imp0$Q Periodic Finance Charges on all tra sacU s fro the Transaction Date for the transaction as shown on ur billing ,tatem stt unless a transactoon is posted to Your Accou t after the c ose in which case we ?m rim ue Periodic Finance Charges on that transaction from the first day of the shin the ? g period In which it occurs Account nuii to impdseos acarvt We co ? Periodic Finance Charo until the date you pay Your entire New Balance py g pe 9 p?avm ICh it is posted to your However, If you id the New Balance on your Pc revious Ili2 statement Dy tele- ment Due Date shown'orf th tkWo, §tatteement cane d Ivl ug ed New Balance by the Payment Due Date on vouurrent bill in statemer We will not impose Periodic Finance Charges do new purchase , that ls, hdvroancess first appearsrarar5gggeeon the current rb?iRing statement call this t e grace penod.^ There is no grace periadon balance transfers or cash r e you at minimum FINANCE CHARGE of s.50 for any billing period in which Periodic Finance Charges of lesysydrthhann $.50 would otherwise be Impose0 the tee aEe rs bnuthe statement whenntt tee fsrbfiled.? Thlelannnualhfee be I not fundable unless?Yao1 i0 Wousrthat v°outwisho closeeyour°Account d rthi g thaQ tp s oadthe the or delivery date of the statement on which the tee Is billed. You wHl receive this refund even It you use your Card Perlodie Flnarree Chars We sort Your transactions Into slrou of Durohases, cash advances and balance transfers and then further rt the transactions within each sou by their Annual Percents a Rate."For exam a urchases sub'eCt to a romoUonal rate and purchases sub°ect to a standard rate would be sa rate groups We refer to thege roues as transacction categories. ltt the ens of each billin rtod, we compute balances Finance °Cdhlaiges foi eacnasnsaction ca egr° he billing plod for each transaction ategory. We use the following agfation to compute Periodic !(Average Daily Balance) times (days In billing period) times (Daily Periodic Rate). trya°n SamcaUYoriecatee?TOg?etol et thchat a Peri?lc Finan ceCharlppinet Totrvuvoomuur Accouthese A rage Daily Bdlanoe ig shown a°sdiero period, no Periodic ins ce Char es 'a Iv to the balance Ih a transaction catg es. If beecauie of then each We use th e Average Dally Balance `'Rcluding new transactions) method of aUn the balance un which we im a Periodic Finance haWe corn te th e e Daly Baanfor each nsn aaddu ranscUo byteggand dvidnthe total hnumber f dain the blod p allptuhda y bialancs In a iln perifora m eah da irs addnoe ious d with a TranSaoDatof hat da s shaH ase io the pst th owl W rov n yo°ry ment nless lVansanls steto r Au allV nt titer th balance: clofactl s llin in which it cucc nn ll be adth e daily balanas of e first day of the hmrnn ,. •na D?A..AI_ the Fee which For TOO (Telecommunications Device for the Dean aeei:lae- .r.... .u see e.+ +.. 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 Robert Adkins (Name) Senior Vendor Litigation Liaison 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. gnature) WWR# 8178570 Richard G. Keefer 925 DISCOVER BANK Plaintiff v. RICHARD G. KEEPER Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA No: 10-2803- CIVIL TERM t..~ - NOTICE TO PLEAD ~., ~a: ~ ~ ~~ To: Discover Bank ~ -- ~~ c/o James C. Warmbrodt, Esquire ~~ ~ `'"`' `~ ~;' Weltman, Weinberg & Reis, Co., L.P.A. ~<~ ~' _ft,, 436 Seventh Avenue, Suite 1400 ~'z c~ r~, ~«-~ Pittsburgh, PA 15219 ~ c: ~ ~~, -c You are hereby notified to plead to the enclosed Preliminary Objections within twenty (20) days from the date of service hereof or a default judgment may be entered against you. Date: ~ -- t 2 - ~ l7 Respectfully St~mitted, Michael J. PyTcosh, Esquire I.D. # 58851 2132 Market Street Camp Hill, Pennsylvania 17011 Attorney for Defendant, Richard G. Keefer Michael J. Pykosh, Esquire ID # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone - (717) 975-9446 Fax - (717) 975-2309 nrpykosh~%dcdlaw•net Attorney for Defendant DISCOVER BANK : IN THE COURT OF COMMON PLEAS Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA v. No: 10-2803- CIVIL TERM RICHARD G. KEEPER . Defendant DEFENDANT'S. PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes the Defendant, Richard G. Keefer, by and through his attorneys, DETHLEFS-PYKOSH LAW GROUP, by Michael J. Pykosh, Esquire, and hereby files Preliminary Objections to the Plaintiff's Complaint, and avers as follows: 1. On or about April 27, 2010, a Civil Complaint was filed at Docket Number 10-2803 Civil Term. 2. Defendant now files the instant Preliminary Objections to Plaintiff's Complaint pursuant to Pa. R.C.P. 1028. PRELIMINARY OBJECTIONS PURSUANT TO Pa. R.C.P. 1028(a)(2) 3. Paragraphs 1 through 2 are incorporated herein by reference as though fully set forth below. 4. Pa. R.C.P. 1028(a)(2) allows a party to preliminarily object to a pleading if the pleading fails to conform to law or rule of court. 5. Plaintiff's Complaint fails to conform to Pennsylvania Rules of Civil Procedure and Cumberland County Local Rules. 6. Plaintiff has failed to attach a copy of the writing, more specifically the Loan/Credit Agreement, or the material part thereof, or, in the alternative, state, with the reason that the writing or copy thereof is not accessible to the Plaintiff and the substance of the writing in violation of Pa. R.C.P. 1019(1). See Remit Corporation v Miller 5 Pa. D&C 5t" 43 7. Plaintiff's Complaint is in violation of Pa. R.C.P. 1019 (a) and (f) in that Plaintiff's Complaint fails to provide the specifics of the alleged credit card purchases or charges and application of interest and late charges. Remit Corporation v Miller 5 Pa. D&C 5t" 43. See also Capital One Bank v Clevenstine, 7 Pa. D&C. 5t" 153. WHEREFORE, for all the reasons set forth above, Defendant, Richard G. Keefer, respectfully requests that this Honorable Court sustain Defendant's Preliminary Objections, and dismiss Plaintiff's Complaint for failing to conform to law or rule of court pursuant to Pa. R.C.P. 1028(a)(2). PRELIMINARY OBJECTIONS PURSUANT TO Pa. R.C.P. 1028(a)(3) 8. Paragraphs 1 through 7 are incorporated herein by reference as though fully set forth below. 9. Pa. R.C.P. 1028 (a)(3) allows a party to object to a pleading if there is insufficient specificity in a pleading. 10. Plaintiff has not set forth sufficient facts regarding Defendant's Agreement relative to either the total amount due and that Defendant has agreed to pay the amount to Plaintiff. See Capital One Bank (USA), NA v Patricia L. Clevenstein No. 2008-4139 (Centre County 2009). WHEREFORE, for all the reasons set forth above, Defendant, Richard G. Keefer, respectfully requests that this Honorable Court sustain Defendant's Preliminary Objections, and strike Plaintiff's Complaint for failure to comply with Pa. R.C.P. 1028(a)(3). Respectfully Submitted, Date: `~j -- ~ Z.- I is ae J. Pykosh, Esquire I.D. # 58851 2132 Market Street Camp Hill, Pennsylvania 17011 (717)975-9446 DISCOVER BANK Plaintiff v. RICHARD G. KEEPER Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA No: 10-2803- CIVIL TERM CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Defendant, Richard G. Keefer's, Preliminary Objections to Plaintiff s Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: Discover Bank c/o James C. Warmbrodt, Esquire Weltman, Weinberg & Reis, Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Respectfully Submitte Date: ~j - ~ ~- -1 O Michael J!F'ykosh, Esquire I . D. # 58851 2132 Market Street Camp Hill, Pennsylvania 17011 Attorney for Defendant VERIFICATION I, Richard G. Keefer, hereby verify that the statements of fact made in the foregoing documents are true and correct to the best of my knowledge, information and belief. I understand that any false statements therein are subject to the criminal penalties contained in 18 Pa C. S. Section 4904, relating to unsworn falsification to authorities. Date: /~~~~ ~ ~ D (~ Richar . K fer DISCOVER BANK Plaintiff v. RICHARD G. KEEPER Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA No: 10-2803- CIVIL TERM ORDER AND NOW, this day of 2010, it is hereby ORDERED and DECREED that Defendant, Richard G. Keefer's, Preliminary Objections to Plaintiff's Complaint are hereby GRANTED, and further that it is hereby ORDERED that Plaintiff's Complaint be Dismissed with Prejudice. BY THE COURT: J. 2010 ,I~1L i ~ F~~ 3~ - IN THE COURT OF C~ DISCOVER BANK Plaintiff vs. RICHARD G. KEEFER Defendant ., !y-,- .,...~. , . '~ ;r f ti' K:. ~~:~ti~t.1~d,~"5, ..: If )MMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION No. 10-2803-CV AMENDED COMPLAINT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire PA I.D. #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#81.78570 IN THE COURT OF DISCOVER BANK Plaintiff vs. RICHARD G. KEEFER Defendant You have been sued pages, you must take actin entering a written appearan defenses or objections to the may proceed without you ar for any money claimed in tl may lose money or property YOU SHOULD TA HAVE A LAWYER OR FORTH BELOW TO FIND Y OT COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Civil Action No. 10-2803-CV court. If you wish to defend against the claims set forth in the following within twenty (20) days after this complaint and notice are served, by personally or by an attorney and filing in writing with the court your aims set forth against you. You are warned that if you fail to do so the case a judgment may be entered against you by the court without further notice complaint or for any other claim or relief requested by the plaintiff. You other rights important to you. THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT [SOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET [' WHERE YOU CAN GET LEGAL HELP. A A THI SERVI LAWYER REFERRAL SERVICE RLAND COUNTY BAR ASSOCI 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 TELEPHONE 1-717-249-3166 1. Plaintiff is a c New Albany, OH 43054. AMENDED COMPLAINT n with offices in c/o DFS Services, LLC, 6500 New Albany Road, 2. Defendant is ~n adult individual residing at 1718 Locust St., New Cumberland, PA 17070- 1458. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in inte state commerce, that shall not be considered to be doing business in this Commonwealth, as defined y 15 Pa.C.S.A. § 4122. 4. On or about anuary 22, 2003, Defendant applied for and was issued a credit card by Plaintiff bearing the acco t number xxxxxxxxxxx6925. Defendant applied for the credit card via telephone and the informat' n provided by Defendant to Plaintiffs representative is set forth in the written document attached h reto as Exhibit "1 ". 5. The aforesai account is subject to the terms and provisions of a written customer agreement. A true and corn ct copy of Plaintiff s written customer agreement which was mailed by the Plaintiff to the Defendant, nd which agreement was received by the Defendant, is attached hereto, marked as Exhibit " 2" and 6. Defendant goods, merchandise and s 7. Attached of the monthly statements a part hereof. the aforementioned credit card to make balance transfers and to purchase o, marked as Exhibit " 3" and made a part hereof are true and correct copies Defendant's aforementioned account, dated June 9, 2003 through December 9, 2009 8 . On several Plaintiff an amount greater statement. 9 . After the the account balance in full. 10 . Pursuant to monthly payments on the Defendant last made a pa 11. Defendant amount of $100.00. 12. Defendant is ins, as reflected in the attached monthly statements, Defendant paid to the balance owed on the account, as reflected in the previous month's instance, Defendant continued to charge on the account after paying off terms of the agreement between the parties, Defendant agreed to make balance on her account. ;nt on the aforementioned account on July 22, 2009 in the amount of $20.00. t made a payment on the aforementioned account of June 8, 2009 in the in default of the agreement between the parties by failing to make the monthly payments when due 13 . The balanced a and owing to the Plaintiff on the aforementioned credit card account as of December 9, 2009 was $4,31 .02. 14 . Plaintiff aver that the Agreement between the parties provides that Defendant will pay Plaintiff s Attorneys' fees. 15 . Plaintiff avers 16. Although refused to pay the principal b that such attorneys' fees will amount to $125.00 atedly requested to do so by Plaintiff Defendant has willfully failed and/or dance, finance charges or any part thereof to Plaintiff. WHEREFORE, Keefer, individually, in the stiff demands judgment in its favor and against the Defendant, Richard G. of $4,314.02, with continuing interest thereon at the rate of 28.100% per annum from December 2~8, 2009, plus costs. Respectfully submitted, James C. brodt, 42524 WELTMA , WEINBERG & REIS CO., L.P.A 436 Seven venue, Suite 2718 Pittsburg P 15219 (412) 43 -79 5 FAX:4 -3 8-7130 WWR# 08 78570 This law firm is a debt colle~tor attempting to collect this fit for our client and any information obtained will be used for that purpose. VERIFICATION The undersigned unsworn falsification to Verification based upon the jurisdiction of the court and filing of this pleading; and hereby verify subject to the penalties of 18 Pa. C.S. X4904 relating to that he is an attorney for the Plaintiff herein and makes this as supplied to him by the Plaintiff because the Plaintiff is outside the Plaintiffls Verification cannot be obtained within the time allowed for the the facts and circumstances set forth in this pleading, are true and correct to the best of his knowledge,~information anal belief. x H W I z rn O M H r+ H o 0 W O M 'z O f.{ N `J d~ W r-I CI N W rl ~ H l~ lp H a O [~ [~ H ~ N CO (~ U •• W w O rl O w `° ~ _ zN A ~ x a a ~ ~ at7 d» ~ JE+ ~U H o' u ~ as a ~ ~ ~: . H W W w H N z O H ~ W H t4 H U x c n w H ~/] H [~+ w `n w ~ a A x ~ H I c7 a ~ ~ A O H W H q I A H ~7 R; U ~• H H ~w a ~W a I ~~ x H W W fx W H W a x ~ I~ H W G4 i ptL W a r-~ N ~~ ww ••w as ~z H x ua H W a ~ I ~ o~ ~w .-+ m ~ ~ H o U] ~ N Q RS \ O G4 ri O ~ w H I H •• W H w. a a w wo ~ w v i~ ~ uo Q w a a cn ~w~Cxw x~ AaHHx HO ODU(xH ~a x~oHo Qrn aU~naa~ O O rl a H N a W H H z 0 H O G. z l0 H l0 O ~ as W d~ U r •• U l~ H H N 3 r " `' cn z a >+ z A ~ ua U O z 0 H H a 0 U H H W M O O O N N ~ .. N CO N o G~1~i ~ .. .. E.; z ,.- a O ~-1 M •• N H H x~a a O H.'F.gfI~HU] O QEwaHowa~ o a,~ayaaxzt'~ YOUR DISC4~€R` CARC~ ACCOUNT CARDMEMBER AGREEMENT ............................ Pages 1-13 The terms and conditions of yourAccoun ,including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with res to your new Account within 30 days after receiving your Card, as explained in the Right to Reject Arbifratlon"section at page 12. PRIVACY POLICY ...........................................:.. Pages 13-f6 A summary of the personal information w collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of uch information with others as explained in section 4 of the Privacy Policy at page 15. BILLING RIGHTS ........................................ Important information about your rights DESCRIPTION OF COVERAGE ..................... The terms and conditions of the Schedule Accident Insurance and the Secondary R. Collision Coverage that is provided at no ~ you when you use your Card to purchase tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE.......... The terms and conditions of this free ®2009 Discover Bank, Member FDIC AGREEMENT . Pages 1G-17 our responsibilities under the Fair Credit Billing Act . Pages 125 Air Travel ital Car urge to .....:... Page 25 assistance benefit. TL21HI.0509 Please read this Agreement carefully before using your Discover Card Account ft 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 different s, 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 pag 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 'd you desire t reject the Arbitration of Disputes section. DEFINI110NS 2 USING YOUR ACCOUNT 2 YourAcceptance of this Agreement ......................,....... ............................ 2 Pemtilted Uses of Your Account .................................... ............................ 2 Prohibited Uses of Your Aorount ................................... ............................ 3 Purchases and Cash Advances in Foregn Currenaes . ............................ 3 Cash Advances .............................................................. ..............................3 Balance Tra~sters .......................................................... ............................ 3 Credit Authorizations ....................................................... ........................... 3 Authorized Users ............................................................. ........................... 3 Unauthorized Use ............................................................ ........................... 3 Your Credit Lines ............................................................. ........................... 4 MAIgNG PAYMENTS ............................................................ ........................... 4 Promise to Pay ........:....................................................... ........................... 4 Monthly Bfling Statement ................................................ ........................... 4 Monthly Payment Optans ............................................... ........................... 4 Automatic Billing Artangements ...................................... ........................... 5 How Vlk Apply Payments ................................................ .............................5 Min~num Montliy Payment ............................................. ........................... 5 Skip-A-Payment Offers .................................................... ........................... 5 Credit Balances ............................................................... ........................... 5 FINANCE CHARGES ............................................................. .............................5 How We Calailate Periodic Finance Charges ................ .............................5 Haw WIe Calailate Your Balances ................................... .......................... 6 Variable or Faed Interest Rates ....................................... .......................... 7 Default Rate ...................................................................... ............................7 Cash Advance Transaction Fee Finance Charges .......... .......................... 7 Balance Transfer Transaction Fee France Charges ...... .......................... 8 Foreign Curency Transactor Fee France Charges...... . ...........................8 Mhimum Finance Charge ................................................ .......................... 8 EXFiI~IT - ~--~-~_-.ao. FEES ................................................................................... .............................. 8 Annual Fee ................................................................... ................................8 Late Fee ....................................................................... .............................. 8 Overlimit Fee ................................................................ ................................8 Returned Payment Fee ................................................ .............................. 8 Returned Discover Card Check Fee ............................ .............................. 9 Pay-By~tgne Fee ....................................................... ................................9 Research Fee ...............................................................~ .............................. 9 DEFAULTAND CANCELLATION ...................................... .............................. 9 Types of Default ............................................................ ...............................9 Cor>,sequences of Defauh .............................................. ............................. 9 Cancelatbn ................................................................... ...............................9 PRNACY AND OUR COMMUNICATIONS V1i1T}f YOU ..... ...............................9 Our Privacy PotiCy ......................................................... ...............................9 Reporting to Credit Reporting Agencies ........................ . ............................ 9 Our Comrrnmiations with You ...................................... ........................... 10 Releasing Information About YourAccount .................. ........................... 10 Electronic Notices to You .............................................. ........................... 10 Notices - Changes to Your Infannation ........................ ........................... 10 CLAIMS AND DISPUTES ................................................... .............................10 Merchant Disputes ........................................................ .............................10 Claim Notioes ................................................................ .............................10 Arbitration of Disputes ......:............................................ ....................... ... ...11 Right to Reject Arbitration .............................................. .............................12 LEGAL INTERPRETATION OF THIS AGREEMENT .......... ............................13 Severabifity .......................................................:............. ............................13 Compliance wffh Interest Rate Limitations ..................... ............................13 Govemhg Law ...........:................................................... ............................13 ASSIGNMENT OF ACCOUNT ............................................. ............................13 CHANGES TO THIS AGREEMENT ......:.............................. ............................13 DEFINITIONS "Account" means your Discwrer Card Account. "Authorized Usef' means any person whom you aufhor¢ to use your Account or a Card, whether you notify us or not. "Card" means any one or more Discover Cards issued to or someone else with your authorization. "Pricing Schedule" means the document accompanykrg Card and listing the Fiusrce Charge rates that appy to yourAccarnt. The Pridng Sdiedule is part of this Agreement "We," "us" and "our" refer to Discover Bank, the issuer of Discrnrer Card. "You," "your" or "yours" refer to, in addition to you, the C rdmember, any other person w persons who are also contradualy liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement. The use of yourrrnt or a Card by you a an Authorized User, or your failure to grxxl your Account within 30 days after receiving a Card, means you accept this Agrne-meet, including the Arbitration of Disputes on page 11. You may, however, reject the Arbitration of Disputes section as explained on page 12. Perrn'rtted Uses of Your Account. YourAccount may be u$ed for. Purchases - to purchase a lease goods or services from pad ticipating merdrants by presenting yon Card or Account number or by using promotional decks, which we may furnish to you, In accordance with such additional terms and conditions as we may offer from time to tine. Cash Advances - to obtain cesh advances from partici ~ automated teller machines, financal institutions or other bcations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable fa cash or far casino chips, money orders, travelers checks savngs bonds, foreign currency and wire transfers, or by means d checks which we may furnish to you, all in accordance with such additional tem>s and k~nditions as we may offer from tine to ime. Balance Transfers - to transfer balances from other aed'Aor~ or to make other transak~iais by means of balance transfer coupons or checks, n accordance with such add'dional terms and conditions as we may offer irom time to tune. In add'dion, yourAccrounl may be used to guarantee reservs at partial-paling establishments. You will be liable for guarard reservations that are not cancetied priorto the time specified by the establishrrrent. Your Account may be used for personal, f~niy, household and kirarirtable purposes. Prohibited Uses of Your Account. Your Account may not used to obtan k>ans to purchase, k;arty or trade in securities, to pay any amount you owe under this Agree~tnent or for any transactions that are unlawful where you reside or where you are physics I~cetted when you use the Account to initiate the transaction ("Prohibited Transadions~. Purchases and Cash Advances in Foreign Currencies. ff make a purchase or cash advance th a foreign cunency, d will be converted to U.S. dollars using either a govenmreni-mandated rate, a government-published rate or the interbank exchange rate, pending on the country and cunerxy it 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 Dat as shown on your statement. VVe charge a Foreign Currency Transaction Fee Finance Charge for each purchase made it a foregn cunency as deskxibed in the Foreign Curtency Transad'an F France Charges sedan on page 8. Cash Advances. VVe may periaiicaay offer you specal rat on cash advances fa the time period spec€ied in the offer, subject to the Default Rate section. The offer may contain a Cash Advance Transad'an Fee Finance Charge fa each cash advance. the expiration of the specal rate, the standard Annual Percentage Rate fa cash advances will appy. Balance Transfers. We may periodica8y offer you the -iunity to make balance transfers from other creditors or to make ocher transactions to your Accarnt by means of balarxe transfer coupons or checks. Each offer wia cartarcr an betel special rate, wh" will be tf~e Annual Percentage Rate that wiU appy to traruiered balances fa the time period spectfied in the offer, subject to the Default Rate section and may contain a Balance Transfer Transact Fee France Charge fa each balar>ce transfer made during the term of the offer, as disclosed in the offer and as set forth n the Pridng Schedule, 'rf applicable. After the expiation of this time ,the Annual Percentage Rate that applies fa purchases will apply totters-farted balar~es. Balance transfers subject to the initial special rate erne refered to as specal rate balance transfers; b transfers to which the initial special rate has expired are referred to as purchase rate baiarrce transfers. Each offer will contain an expiration date. ff you attempt io sfer balances by means of a dredc after the expiration date, we wal treat the transaction as a cash advance. VVe wiA not make baNance transfers attempted by means of a coupon after the expi date. Credit Authorizations. Certain transactions wal require ou aulhor¢atbn prior to completion. In sane cases, you may be asked to provide identification. We have the right not to authorize a transaction fa security a other teasers. Also, if our author¢ation is not working, w±e may not be able to authorize a transaction. IAk wal not be liable to you f arty of these events happen. Authorized Users. H you want to cancel the authority of a went Autfxx¢ed User ~ use your Account a a Card, you must notify us and destroy any Card in that person's possession. You can. notdy us by telephoning 1 ~00-0ISCOVER (1-BOa347-2683), a writing Discover Card, PO Box 30943, Salt Lake Cily, UT 84130-0943. None of your rights under this Agreement (dher than to pay amourds owed) may be exerctised ~ any person nd a to this Agreement acting pursuant to a power of attar>ey, wahocd our separate written agreement (which we are not obfgated to give). Unauthorized Use. Prior to as use, each Card must be sig ed by the person to when a is issued. If a Card is lost a stolen, a it you think that saneone is using your Accourrt a a Card without your permission, notiry us immediatety. You can notify us by telephoning 1.800-DI COVER (1-BO!}347-2683), a by writny Discover Card, PO Box , Sati Lake City, UT 84130.0943. You agree to assist us in determining the facts relating to any theft a posside unautha¢ed use of yax Account a a Card and to canpty with such procedures as may require in connection wah our hvest-igatan. Your Credit Lines. We will advise you of your Accourri a fine. We may inpose a Tower line thM wal apply to cash advances, referred to as the qsh advance credit Ire. vve may also inpose a lower line that wia apply to balance transfers, referred to as the ba ce transfer credit Ire. You agree not to albw your unpaid balarxx, inckrding Finance Charges and fees, to exceed your Account «e<fa litre. tt you exceed your Account credo Ire, we may request ' late payment of the arnaxrt by which you exceed yourAcceunt erecter line. We may increase or decrease your Account credit line, you cash advance eeda line err your baharx:e transfer aed'd tine without notice. The credft avaiaable fa your use nray, from time to time, be less than your Account credit line. Fa purposes of determining y r available credit, we reserve the right to postpone fa up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your avail-able credit vria not be ' by the arnarnt of any credit balance. MAKING PAYMENTS Promise to Pay. You agree to pay us h U.S. dollars fa all rchases, cash advances and balance transfers includig appligble France Charges and other charges a fees, irxxured by you a anyone you authorize a permit to use your Account a a Card, e a you do not notify us that others are using your Account a a Card. K you pay us in other than U.S. closers, we may refuse to accept the payment a charge yourAccount our cost to oarvert your nt io U.S. doNars. All dreclcs must be drawn on funds on deposit in the U.S. You pray not use a cash advance check, balance transfer check a coupon, or any other promotional check drawn on ny Discover Bank erecter card account to make payments on your Account. ff you Account is a joint Aaxxrnt, each of you agrees to be I ble individualty and jointly fa the entie amount owed on you Account. We can accept late payments or partial payments or checks and money orders marked "payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement Monthly Billing Statement We will send you a billing state biging statement will show all purohases, cash advances, bi period. tt will show your New Balance, Payment Due Date, Payment Due may be higher than shown on you billing stet Monthly Payment Options. You may at any tine pay the e Minirxrrn Mouthy Payment section. All payments must be r Account inaccord-once with those terms. In addition, were; Automatic Billing Arrangements. H your Account number provide your new Account infornation to that merchant. To ~ directly if you do not wish to cxxrtinue the automatic baling err How We Apply Payments. We wal apply payments and cn transaction category (as referenced in the France Charges payments and credits to any new transactions using the son with IowerMnual Percentage Rates, such as when there err Rate. ~t after each rrronthty falling period in whicli you have a deba a erecter balance, unless we waive our right to do so as permitted by law. The or transfers, Finance Charges and other charges a fees and ad payments or other erecters posted to your Aa:ount during the falling Mininwm Payment Due as of the end of the billing period. tt your prior month's payment is returned unpaid, your requied Mininx~l ant. See the Minirwm Mornhty Payment sectiar on page 5. New Balance shown on your baling statement, but each month you must pay at least the Minimum Payment Due as described in the e in accordarxx; with the tams, including the payment cutoff time, stated on your monthty billing statement, and we wiB erecter your e the right to change those terms witiwut prig voice as perndted bylaw. Va Card expiration date changes and our records indicate you have automatic billing established with a merchard, we wal attempt to rte uninterupted billing, we rewmrrend That you verily the merchant has your new Account infomration. You must contact the mercthant is to the New Balance shown on your curent billing statement in order of the Annual Percentage Rate appG-cable to the balance of eafi x#ion), generafiy from bwest to high-est begin-ring with the balance subject to the bwest Annual Per~dage Rate. Wt; then appy method. However, we have the right to apply payments and erecters io balances with higher Annual Percentage Rates prior to balances Iwo inaial special rates applicable to yourAccount and the kwuerMnual Percentage Rate wal expire before the higherAnnual Percentage Minimum Mouthy Payment The Minimum Payment Due ach month will be the greater of: • the New Balance a a is less than $15; • $15rf the New Balance is $15 or more; a ' any past due amount plus the greater of: 2% of the New Balance (excluding Conant Periodic Finance arharges, Late and Oved'ana Fees) rounded up to the nearest dollar a current Periodic France Charges plus Late and Overiina F s plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar. We may also include some a all the amount by which you a ceed your Account credit kne. H more than 90°k of your New Balance consists of special rate balance transfers, we may, at our discretion, increase your Minimwn Payment Due to a maximum of 4% the New Balance if a would otherwise be less than that. vue may subtract certain fees to cakxrlate the Mini~rrwm Payment Due. The Minimum Payment Due wal never exceed the New Balance. eying the Mininxm Payment Due may be insufficient to txing your Account balance beknrr your Account credit line and, consequently, may not avoid the imposaion of an addaional Ovedinrit Feed in the Overtime Fee section.. Skip-A-Payment Otters. Wye may from time to tine alknv to not make a minimum marrthly payment and will notify you when this option is avaiable. H you take advantage of this offer and do nd make a meirxxrr mouthy payment, trance charges and a~y applicable fees wig acaue on you Account in accordance wish this Agreement and you must pay the Mininum Payment Due fa the foNovukrg baling periods. Credit Balances. W'e wdl refund any aedit balance withn than $1 that remain n yourAa~unt otter 6 months. FINANCE CHARGES How We Calculate Periodic Finance Charges. W+e begn unless a transaction is posted to your Account after the do: the bi9og period n which a is posted b yore Aorount We c Hower, 'rf you paid the New Balance on yore previous bitl axrent baing statement, we wiN not impose Periodic Franc grace period on balar>ce transfers a cash advances. Wre sort your transactions into groups of purchases, cash a purchases subject to a promotional rate and purchases suh cornpute balarrces and Periodic Finance Charges fa each ~ transaction category: (Average Daffy Balarx:e) times (days a billing period) times (Daily Periodic Rate). (You may refer to the finance charge summary on your bil6r France Charges fa yaurAccount. The Average Daily Bala the grace period, no Periodic France Charges apply to the How We Calculate Your Balances. We use the Average [ the Average Daffy Balance fa each transaction category by Wre compute the daffy bahanoe fa each transaction categat your billing statement, unless the transaction is posted b yo day of the bipirg period a which it is posted b your Account payments that are applied aganst the balance of the transa~ to have been your balarrc;e fa each transaction category on All fees charged to your Account are added b the standard trans-attar category with the exception of Cash Advance T trans-action category and Balance Transfer Transaction Fec unpaid balance of the balance transfer and the Balance Try under the Default Rate section, we leave the unpaid balana unt1 the spedal rate would have expired. Variable or Fixed Interest Rates. The DaiTy Periodic Rate Pridng Sctreduie or n any special offers you receive from u. addng a spedfied number of percentage points to the Pririr hghest rate of Merest listed as the "prime rate a the Money represent the lowest a best eteresl rate available b a borro dwrges. This change wiY be effective begnnng with the fir< may incease your Mnnwm Payment Due. Default Rate. Each tine you do not make a required payment a variable rate equal b the Prime Rate + up b 27.99°k, but scx end aril the Defaut hate may apply. The maxnxxrr DefauN Po • your current APRs • your paymerd history with us • your general credit history even business days from receipt ~ your wri8en re~rest. ff you do not request a refund, we vu~l auho-matic~r refund aedA balances greater b ir>pose Periodic Finance Charges on ati transactions from the Transaction Date for the trarrsactien as shown on your billing statement, e of the f>ilfing period in which d ocaus, n which case we begh to impose Periodic Finance Charges on that hansaction from the frst day of xdawe b impose Periodic Finance Charges anti the date you pay your entire New Balarxe, by making payments a receiving cedils. 'rg statement by the Payment Due Dale shown on that biting sfatemerrt and you pay the New Balance by the Payment Due Date on your e Charges on new prudrases, that is, purchases frst appearing on the current baling stalertrent. War pp th's the'grace period." There is no Ivanoes, and balance transfers and then further sort the transactions withe each group by their Annual Percentage Rate. Fa example, ect b a standard rate would be separate groups. Wre refer to these groups as transad'ron categories. At the end of each bi9irg period, we lay of the toting period fa each transaction category. Vlk use the fdbwing equation to compute Periodic Firarxx Charges fa each statement fa these amounts.) Then we add up the Periodic France Charges fa each transaction category to get the trial Periodic e is shoavn as zero 'rf, because ct mce n atrans-action category. aty Balance (edudng new transactiars) method of cek;ulatog the balance upon which we inpose Periodic France Charges. W+e compute adding up aN the daily balances n a biFng period for a transaction category and divid'ng the total by the number of days a the biling period. on each day by first adding the b&ovuing to the previous days daty balance: transactions with a Trarrsactbn Date of that day as shown on :r Account after the dose of the baling period n which i ocars, n which case the transaction w~l be added to the daffy balarx;e as of the fast fees drarged that day and Periodic Finance Charges acaued on the previous days daffy balance: and by then subtracting any cedits and lion category on that day. n calculatng the daily balance fa the first day of the biting period, we consider the'prevaus days daffy balance" he last day of your previous bilfmg period. Fee Finance Charges which are added b the applicable cash advance France Charges which are added b the applicable balance transfer transaction category. When the spectal rate expires, we move the sfer Transactor Fee F'srance Charges b the standard purdrase transaction category. Fbwever, 'rf the spedal rate has been termhated of the balance transfer and the Balance TransferTransactan Fee France Charges a the applicable balance transfer transaction category nil conespond'ng Annual Peroentage Rate that apply b each transaction category are either faed vales or variable rates as set forth in your ,The Daily Periodic Rate is 1 0365th of the correspond'ng Annual Percentage Rate. Variable Annual Percentage Rates aredeter-tuned by Rate. This is shown on the Pridng Schedule as "Prime + (per-tentage poets)." For purposes of this Agreement, the Prime Rale is the Rates section of The Wall Steel Journal on the last business day of the month. The Prime Rate is merely a pricing index and does not ver at any bank at any given tare. ff you have a variable rate, your Annual Percentage Rate will eaease a decease when the Prime Rate day of the biling period that begins dureg the same month as the change n the Prime Rate. An naease in the Annual Percentage Hate r time (a "Defauk Rate Everrf~, we may naease the standard Annual Percentage Rates fa pcxdrases , balance trarksfers and cash advances b rate wit never exceed 29.99% (the "DefauN Rate'. At the same time, any spedal rates on purdhases, balance transfers a cash advances w81 which would aarenlry apply is set forth n your Pridrg Sdredule. W+e w~ base your DefauK Rate on faclas such ~: Any eceased rate will apply begnning with the first day of t baling period it which we did not receive at least the Mnirium Payment Due by the Payment Due Date. K your standard Annual Percentage Rate fa purchases was increased under this a y previous version of the Defakrft Rate sedan and, fa any nine consecutive billing periods thereafter another DefauM Rate Everrt does not occur, then your Annual Percentage Rate fa your new par ses wiu be reduced to a lesser variable rate which may be higher than your previous standard Annual Percentage Rate fa purchases and your Annual Percentage Rate fa your existng purchase ba may be reduced to a lesser variable rate which may be higher than your previous standard Annual P e Rate fa eroentag purchases. Any reduced Annual Percentage Rates on new and existing ases may be different and will apply begnning with the first day of your tenth biling period. However, 'rf a Default Rate Event occurs n the tenth baling period, a DefauR Rate v+til apply. Cash Advance Transaction Fee Finance Charges. Unle Nhervvise specttied it a cash advance offer, we witi charge you a Cash Advarrce Transactor Fee FINANCE CHARGE of 3°k of the amount of each new cesh advance with a minimum Cash Advance nsaction Fee FlNANCE CHARGE of $5 and no maxi-mum. The imposition of Cash Advance Transaction Fee Finance Charges may result n an Annual Percentage Rate fa cash advances that higher tharr the rxxninal Annual Percentage Rate. All forms of cash advances, hdudeg the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Trap Fee Firranoe Charges. To obtan the total France Charge an cash advarxes fa each baling period, we add any Cash Advance Transad'an Fee France Charges fa the biting period ch under this sedan to any Periodic France Charges calcuMaled uuther the Periodic France Charges section for each cash advartce transaction category and add up these amounts. Balance Transfer Transaction Fee Finance Charges. H balance transfer offer you receive cancans a Balance Transfer Trans-action Fee France Charge, we will charge you a BaNance Transfer Trans-action Fee Finance Charge fa the amount of each ba transfer made under that otter. K there is a Balance Transfer Transactor Fee Finance Charge a conjunction with the offer you received when you applied fa an Account, k wkl be n the < Percentage Rate fa balance trarsfers that is hgheu than fi Transfer Trans-action Fee France Charges calculated ruK Foreign Currency Transaction Fee Finance Charges. V foreign amency. The imposkion of Foreign Curency Trait; To obtan the total Fnarxe Charge on purchases fa each France Charges cacuaated under the Periodic France Ct Minimum Finance Charge. We wkl charge you a minimur FEES Annual Fee. ff your Priang Schedule accompanying your 1 Aaxxmt and at the beginnng of each ariniversary year you Late Fee. We will charge you a Late Fee k you have faded, Fee is based on the sum of all outstandng purchases, cast timely payment. ff the sum is $250 a less, the fee is $19; if Overlimit Fee. We wit charge you an Overigni Fee each ti 'rf the transaction which causes you to exceed your Account amount of the Overfimk Fee is based on the sum of ak outs sum is equal to a less than $500 aril you exceed your crer Returned Payment Fee. Vlk will charge you a Returned P, to a deposk account Iran which you have authored us n ~ d>arge you this fee the first time any payment is retained ur nount set forth n the Pricing Schedule. The imposkion of Balance Transfer Transaction Fee Finance Charges may resuk n an Anrxtal noranal Annual Percerrtage Rate. To obtain the total France Charge on balance transfers for each bk6ng period, we add any Balance x the Periodic France Charges sedan for each balancetransfertrans-action category and add up these amorists. wkl charge you a Foreign Currency Transactor Fee FINANCE CHARGE of 2% of the U.S. dokar amount of each purdrase made n a cton Fee France Charges may resuk n an Annual Percentage Rate fa purchases that a hider than the nannal Annual Percentage Rate. kng period, we add any Foreign Curreruy Transactor Fee France Charges fa the biting period charged under this secfion to any Periodic rges section for each purd>ase transaction category and add up these amounts. FINANCE CHARGE of $.50 for any bklhg period in which Periodic France Charges of less than $.50 would otherwise be nrposed. and ndudes an Annual Fee, we wkl charge you an Annual Fee n the amount indicated. VUe wki charge you this fee when we open your Account is open. The Annual Fee is not refundable, except as provided by law. as of the Payment Due Date, to make the Mnimum Payment Due that was required to be paid fa that bilfisg period. The amount of the Late advances, balance transfers, other charges, other fees and Finance Charges at the end of the biting period for whidr we did not receive i s greater than $250, the fee is $39. ne that, as of the dose of a biling period, your outstanding Accounf balarxe exceeds your Aocourrt aedk Ire. This fee may be drarged even aedk Ire is authorized by us a k you exceed your Account aedk are due to the postng of Finarxe Charges orfees to yarAcwunt. The ~nd'ng purctrases, cash advances, balance transfers, other charges, other fees arxt Finance Charges ~ the end of the biking period. ff the t line, the Overiimk Fee is $15. k the sum is greater than $500 and you exceed your cxedk I'ne, the Overirrt Fee is $;i9. yment Fee of $35 each time you pay us with a d>eclc a other nstnxnerd that is refumed rispaid. This fee wik also appty k a debk transaction ritng, electronicalty a orally to periodically deduct all a a part of an amount you owe us under this Agreement b retained unpaid. VUe wit paid, even k i is paid upon resubmission. Retained Discover Card Check Fee. We wit charge you Retained Discarer Card Check Fee of $35 each time we deckne to hang a Discover Card cash advance ctheck, balance transfer check, promotional purchase check, a other promotional check. Pay-By-Phone Fee. we may from time to tare aibw you to make payments by authorng us over the telephone to transfer a pay funds from a deposk account to your Aecaist. vue wiq charge aPay- By-Phone Fee of $10 for each such transfer or payment. Research Fee. V1k may diarge you a Research Fee of $5 each copy of a billing statement a sales slip that you request. Flowever, we will not charge a fee if you request copies in connection wih a biting error. DEFAULT AND CANCELLATION Types of Default You are in defauk k you become insolver oblgatons to us; k you are declared 'incompetent by a court irx:ludng failing to make a required payment when due, exa due on any other acwunt you have with us. Consequences of Default ff you are h defauk, we may de a empby an attorney to represent us with regard to recover actuatiy Warred by us, ndudng fees and costs noon-necti Cancellation. Ya may caux>rl you Account by notrlyng us telephonng 1 800-DISCOVER (t-t31X~347-2683), or by writi according to the terms of this Agreement. H your Account is the terns of this Agreement. We may cancel or suspend ya without notice. Ya must retain any Card or unused checks PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from tare to time review you ~ s;rrrrrary of the personal inta~natbn we c~llled, when k ma such irfornafiorr wih others. Please read k carefutiy as i is I Reporting to Credit Reporting Agencies. As hell-sated 'n ~ negatnre credk intarmation. Late payments, missed payment ya believe that ax report of yar Account status is naccura name, address, home telephone number and Account numb Our Communications with You. Our personnel may listen medkrm, including but not 6mied to mail, live telephone aalis Aacurrt a offer ya products or services that may be of vale at Discover Card, PO Box 30961, Sak Lake City, UT 84130 Releasing Information About Your Account We provide ~ that err records indicate is an authorized buyer on your Arco measures pnnot insure aganst unauthorized nquiries. You gaited possession of a Card a has teamed other identifying Electronic Notices to You. Vue may offer ya the opportuni notices. The terra and conditions for receiving these electron Notices -Changes to Your Information, ff ya change you notity us by telephoning 1-B00-DISCOVER (1-800-347-2663) ~ k you file a banlwptcy petkion or have one filed aganst you; 'd we have a reasonable belief that you are unable a unwitting to repay your k a court appoints a guardian for you a a conservator fa you assets; if you d~; k you fork to compty with the terms of this Agreement, ding your Account credk tine a usng your Card a Account for a Prohibited Trensad'an; or ff you fork to make a required payment when fare the entire balance of you Account irvnediatety due and payable without notice. ff we refer the cotiedion of your Account to an attorney of money that you owe us, we may charge you reasonable attorneys' fees and court or other collection costs as pernitted by law and as n wih any appeal. !Are may delay enforang a rat enforce any of err rights under this Agreement wkharf bring a waiving any of them. i wrung a by telephone and retaining a destroyng every Card and unused check that we have provided you. Ya can notify us by g Discover Card, PO Box 30943, Sak Lake City, UT 84130-0943.Of course, ya will still be responsible to pay any amount ya owe us joint Account, either Cardmember may cancel the Aceount, but ya wkl both reman responsible to pay any amorist owed to us accordng to Account at any tine without notice. We may choose not to renew your Accant (beyond the expiration dale shown an the face of a Card) r us upon request. sell, empkryment and irxrorrre records. We respect the privacy of information about ya and yar Account. Our Privacy Policy irdudes a be shared with others, how we safeguard the corrfidentialitr and seariy of nformaton and the steps you may take to Ikrrit err sharing of rt of yar Cardmember Agreement. rr Privacy Poticy, we may report to credi reportrng agences and other aedkors the status and payment history of yar Account, irxdudng a other defaults an your Aoaunt may be reflected n your aedd report. We nornalty report to such aedi reportng agencies each month. k a ncanplete, please wrke us at the fdbwing address: Discover Card, PO Box 15316, VJiknngton DE 1985x5316. Please ndude yar ~ or record telephone a3tis between ya and err representatives withart addkbnal notice to ya as permitted by law. We may use any automated telephone equipment, prerecorded fete-phone calls, e~mak and may make calls to yar cek phone to contact ya afoul your to ya. ff you prefer not to be contacted in one or mere of these ways, telephone us at 1-800-DISCOVER (1.800-347-2683) awrke to us rious methods by which ya can obtain nfornation about your Accocist. We will onty release such nfornatron to ya, any Aulha-¢ed User nt and any other person with your prior permission, n addibn to as pro-vided in err Privacy Policy a as required by law. Our searity Tree that we will not be responsible for the release of nfornafion to anyone who, even 'd with-out your authoratbn a permission, has iaraderistics about ya such as yar per-sonal identfication number, Account number or soda) seanty number. to receive certan notices from us eledronicalty rather than through the mail, including monthly billing statements and change of terms corrnunications witi be described in the offer. -mail address, matlirg address a teleplwrre number ya must notify ~ of your new address a telephone number within 15 days. Ya can by writing Discover Card, PO Box 30943, Sati Lake Ciy, UT 84131}0943. ff your Acoaist is a Jost Account, any notice we mail to an address you have provided fa the Account wNl serve as to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible fa the refu of anyone th accept a hones a Card a to accept checks that we have provided you. ff a merdoarrt fags to provide yore prxchase to your satisfaction and you request a aedq fo your Arxpunt, we I investigate the dispute. ff we resolve the dispute n your favor, we will issue a aedit to your Aocourd and you wiN be deemed to have assigned th us your dawn agahst the merchant oodles a thud party for the wedged amount. Upon oru request, You agree to provide us with wriben evidence of such assigrrr>ent Claim Notices. In the event that you awe have a dawn at arises from a relates to your Accawt, any prior account you had with us, your appq-cation, the rel~ionships which resuq fran your a the enlace-abNily of the Agreement a any prior agreement, before ingi-atug, join'ug or P~P~J th anY j~~ a arbitratiar prooedng, as either an irxfividual Nfigant a member of a CProceedurg~, the oomplahing party shag give the other party: (1) a written notice of the dawn ('Chun Notice, at IPast 15 days before initiating any Proceeding, explainng in reasonable defog a nature of the dais and anY anP-P~9 fads; and (2) a reasonable good faith opportunity to resolve the claim wghart the necessity ~ a Proceedurg. This includes any dawns uwoNUg our parent ,subsidiaries, affiliates (indud'ng, wqh-out gmitation, DFS Services LLC), P-edecessas, successors, signs, as weq as the officers drectors and employees of each of these entities. Any C , Notice shall be sent to us at Discover Card PO Box 3024 New Albany OH 43054 (a such other address as we shah s b t id to You) (the "Chun Notice Address's a to you at ycwr add , , u sequen y prov e appeamg h our records a, iF you are represented by counsel, to you attorney at your atbrr>eys office. Arbitration of Disputes. Agreement to ar6i6ate. In the a of any Past, present a future dawn a dispute (whether based upon oaitract, tat, statute, carman law es equity) between you and us arising fran a relatug to your Account, any prior acxarnt have had with us, Your application, the relationships which resuq fran your Account a the erdarrxs3blirly a scope of this arbitration provision, of the Agreement a of any prior agreement, y a we may elect to resolve the dawn a dispute by bnd'wxJ arbitration. IF EITHER YOU OR WE ELECT ARBffRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CW IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS VNLL BE LIMITED. NEIfNER YOU NOR WE S L BE ENTfTLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ITRATE ANY CLAIMS AS A REPRESENTATNE OR MEMBER OF A CLASS OR IN A PRNATE ATTORNEY GENERAL CAPACITY ("Class Action Waivei'~. Notwithstand'ng anythng else to the contrary in this orb' ion provision, only a court, and not an arbitrates, shall deter-mine the validity and efrect of the Class Action WaNer. Even d all parties have opted to gtigate a dawn in oorxt, you a we may elect ion with respell to any loon made by a new party es any new claims later asserted in that lawsuq and nothing undertaken therein shah constitute a waiver of any rights under this arbitration provi ion. We wiN not urvoke our right to arbitrate an ndividual dawn you bring in small claims court a your state's equivalent court, Y any, unless such action is transferred removed a appealed to a dill court. Governing Law and Rules. Your Account invohres iota corrnerce and this provisbn shall be governed by the Federal Arbdration Ad (FAA). The arbi-traiion shah be oortduded, at the option of whoever files the arbi-lraticn dawn, by egtoer the AmeriMn itration Assodatbn (AAA) a the National Arbitration Forum (NAF) in arxordance with then procedures in effect when the claim is filed. Fa a copy of then procedixes, to fde a claim a fa other' ion, contact AAA at 335 Madison Ave., Fba 10, New York, NY 10017-5905, bpppy,~j4gq (Phone 1-800-778-7879) a NAF at PO Box 50191, Minneapolis, MN 55405 (phone 1~00~4742371). other arbitration forum wig be permitted, except as agreed to pursuant to eiher the Changes to this Agreement section a a writing signed by both patties. Unless consented to by aN parties, no orb' may be administered by any admiiistrata that has any formal a urfamal Policy, rule apro-cedrue that is uaonsatent with a purports to overide the terms of this section. B we elect xo resolve a im a dispute by binding arbtration and the arbitrate issues an award in yore favor on a dawn a dawns with respect to which you would not otherwise be entitled to recover yore arbitration filing, adm' istrative and hearingfees, reasonable attorneys' fees and/or other arb'dratiao costs, we wiN be responsible fa Paying a reuntxrrsuig such costs and fees if awarded by the arbitrate. Fees and Costs. At your written request, we will advance a y arbitration filing, admiiistratNe and bearing fees which you would be required to pay to pursue a claim a dispute as a resuq of our electing to arbitrate that dawn a dispute. Send requests to Discov Card PO Box 30421, SaN Lake City, UT 84130.0421. The arbitrates wig dedde who will uquttately be responsible fa paying those fees. You wNl only be responsble fa payng err reunbursing our orb' figng, administratNe es hearing fees to the extent you would have been responsible fa paying °altomeys' fees and court a other cdlection costs° had the action proceeded n court. In no twig yew be required to pay any fees a costs iicurred by us in connection with an arbitration proceeding where such a paymtertt a reunbursement is prohibged by applicable law. Hearings and Decisions. Any arbitration hearing will take in the federal judidal district where you reside. The arbitrate shall fdbw applicable substantive law to the extent consistent with the FAA and appNcable statutes of limitations and shall bona claims of privilege recogn¢ed at law and shall be authorized to award elf reriedies permitted by the substantive laws that would apply iF the action were pending in court. ff requested by any party, the shall write an opinbn containing. the reasons fa the award. The arbitra-tors decision wiN be final and bindng except fa any appeal rights under the FAA and except that 'rf the amount in controversy seeds $100,000, any party may appeal the award withh 30 days to athree-arbitrate panel, which shag review the award de novo. Unless applcable law provides otherwise, the appealug Party will y the cost of the appeal, regardless of its outcome. However, we wig consoler th gaxf fagh any reasonable request fa us tobear the fees charged by the arbitration admmistrata and the arbitrators ' catnedion with the appeal. Judgment upon any award by the arbitrate may be enforced th any court havng jurisdiction. Other Beneficiaries of this Provision. Our rights and obligaf sunder this arbitration provision shall inure to the benefd of and be binding upon our parent corporations, subsidiaries, affigates (indudug, wgtaut lungatom, DFS Services LLC), predecessors, su sas, assgns, as weN as the officers, directors and employees of each of these entities, and will also inure to the benefd of any thud party named as a codefendant with us a with any of the forego' in a claim which is subject io this arbitration provision. Your rights and obggatans under this arbitration provision shall inure to the benefd of and be binding upon all persons contractually liable under s Agreement and all Autha¢ed Users of the Account Survival of this Provision. This arbitrafiori provisoxi shah su Ne fermi-nor-tion of yourAccaint as well as voluntary payment in fug by you, any legal proceedings by us to tolled 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 ArbRrati of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address: Discover Card, PO Box 30938, Salt Lake City, UT84130-0938. ff you were previously sub' to arbitration with respect to any account with us, this right to reject arbitration wNl not apply to you. Your rejection ratice must include your name, address, telephorte nunber, Accourrt number and s' afore and must not be sent with any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section a sendu>g a rejedoxi notice in a manner a format that does compty with all applicable requuerrients is insuffident notice. In ceder to process your notice, we requee that the notice be prowled by you directly and not through a thud party. Rejection of arbftra-' wiN not affect your other rights a respauibilfies urxler this Agreerr>ent a ycwr obligation to arbgrate disputes under any other octant as to which you and we have agreed to arbitrate disputes. If you not send a rejection notice, you wNl be obligated by the Arbitration of Disputes sediai with respect to this and any prior account you have had with us, even q you have previously sent a rejection not with respect to that pries accarM. LEGAL INTERPRETATfON OF THIS AGREEMENT SeverabilitY, ff any part of this Agreement becomes un ble, q wNl not make any other part unenforceable, except that iFthe Class Action Waiver set Path above or the Arbitration of Disputes section is invalidated in any proceed'ng in which you and we involved, then the Arbitatan of Disputes section wdl be void with respect to that proceeding. Compliance with Interest Rate Limitations. VVe intend th this Agreement vdN canpy with applicable interest rate lunilations. You wNl not be requred to pay Fuiance Charges a other charges at a rate that is greater than the maximum armourrt pemmilted b law. tt p is ever fnallydeter-mined that, but fa ih~ section, the Fr~ce Charges a other charges under this Agreement would exceed the maximmarm lawful amount. the France Charges and other arges wip be reduced io the maximum lavdul arrmourmt. Arty excess amount chat you have akeady paid w+A be used to reduce the outstanding balance of your Account a wip be refunded to you by of a check in our discretion. Governing Law, This Agreement and any claim or ills ute 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 a any port' thereof with-out notice to you. You may not sell, assign a transfer your Account with-0ut frst obtaining our prior written consent CHANGES TO THIS AGREEMENT We may change any tens or part of this Agreement, i luding, but not IimHed to, any finance charge rate, fee or method of computing any balance upon which the finarke charge rate is assessed or add any new term or part to this Agreeme 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 bahnce of your Account on the effective date of the change and to new charges made after that date. You may be offered the opportunity to reject some of the changes, and H you do, you must notHy us to writing in 15 days after the mailing of the notice of change at the address provided in the nctice of change, in which case your Account will be cbsed and you must pay us the balance that y owe us under the existing terms of the unchanged Agreement. Otherwise, you will have agreed to the changes in the notice. Use of your Acwunt after the effective date of the change II be deemed acceptance of the new temms as of such effective date, even H you pre-viously notfied us that you did n~ agree to the change. We may also change any term of any product, service r 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 y of our Privacy Policy each year. If you have previously notified us about your privacy preferences, as described in Section 4, tt is not necessary to do so again unless you decide to c ange your preferences. We Respect Your Privacy Our russion is th provide you with superior products and , abng with the peace of mind knowing that the security of your personal irfiarmation is our top prioridy: Wt' understand yomr wr>cerns about guard'mg imfonrmation about you and your Account. We want assure you that we have taken steps, and wip oormtimue to take steps, to safeguard that infatuation. This Privacy Policy describes our efforts to meet these ol>je~tives. tt includes a summary of the following mportant infom>afion: A listing of the personal information we tolled; The cicumstarmces in which we may share intornation with others; The ways we safeguard the confidentiality and and The steps you may take to lirtmtt our sharing of such inft others. See Section 4 for complete details. Please read our Privacy Policy cxretulty. tt will help you u 1. What Personal Infomtation Do We Collect? To serve you heifer and manage our business, tt is impor submit to us, fran your dealings with us and others, from Vmk may obtain infama6on such as your name, address We may obtain information such as Account feces, VVe may obtain Mamation such as the balances of your W~ may obtain information such as your Internet service prc preferences from your visits io Web sites. 2, is Personal Information Shared with Others? V4e Grnit the sharirg of information wilh otters. Mommy of the t come to us with a special offer fa Cardmembers, such as a with how we tolled and share idortrmation. that we coped and maintain aoau~e personal nformation about you. Vue obtain this Momratiai from applications and other forms you wmer reporting agencies, and from other sources, such as our Web sites. Fa example: ate of birth from applications and other forms you submit to us. il history, your use of your Aocouni and the types of services you prefer from your transad'ans and otfiner dealings with us and others. with other lenders and your payment history with others from camsumer reporting agencies. ter, youre-mail address, your canputels operating system and Web browser, your Web site use and your product and service you receive for products and Services are provided directty to you from us. Fa example, a retailer that accepts the Discover Card may a product upgrade. After careful consideration of the nature of the offer and the company, wee wip create a I'mst of Canirmerrmbers who maybe interested im the offer based on in characteristics. We will send the offer directly to those Cardmembers on behatt of the retailer by, fa exarr~fe, inducting an insert in their monthly bilpng statement a mailhg the otter ourselves. control the infatuation used to make the offer; we do nil share the list a any hfommation about our Cardmembers with the retailer. iiwaever, please understand that'd you do receive this type fifer from us and choose to take advantage of il, the retailer may then team information about you bepuse only Cardmembers wilti certain d~racteristirs received the offer. There are, however, cicumstances in which we may shorn: th information we copeCt about you, as described in Section 1, with other monies in order to provide you wish access to products and services and to service your Account effectively, as detailed bw. We requle these canpanies to adhere to our privacy standards and to use this information only fa the IimRed purpose for vMictm it was shared. We do not allow them to discbse k to others with our prior approval a. Sharing Persona! fnformamtian with Our Corporate Famr7y Our corporate famiy offers a variety of products and services hat can help you manage your finances. In order to provide you with access to these products and services, we may share the information we Doled about you, as desaibed'n Sedan 1, wuh other embers d our corporate famiy. These companies irx;lude fnaxiaal service providers that offer aedR protection, card servicing and paymerA 1~9 Sfraring Personal frrformation witir Nony4flibated PaAies Marketir-9 Purposes We may share the nfortrration we coiled about you, as in Section 1, with nonaffiliated shed parties, irxiud'ng those that accept the Discover Card, in order to provide you wuh access to products and services offered dieallr by these cxunpanies may be of value to you. These canpanies inckrde frrandal service such as retailers. providers, such as ersuranoe companies, and rronf'urandal companies, Sharing Personal Information with Others Nk may share the inlonrration we ooUed about you, as in Section 1, wuh carrrpaiies that perform support or marketng services on our behalf, such as mauirrg, maket researdr and data processng; other financial nstihrfions wuh whidr we have joeA marketing ; or companies that are our partners for w~brand credo card ~ by ~ programs or reward programs. V1k may also share such nforrreUon as How Do We Protect the Confidentiality, Security and Integrity of Information about You? We maintain physical, elerironic and procedural safeguard to prated the irfomratiar we collect about you. Access to such information is restricted to individuals wfiro need 'Ain order to service your Account or provide products and services to you, and who re traered in the proper handlhg of such information. F~nployees who valate these confidentiality requeements are subject io our disciplinary process. Where third parties provide support services, we uire them to conform to our privacy standards. tt is important that the erfomiation we maintain about you is a and complete. ff you see information n your monthly buleg statements or e~ewhere which suggests thatour inforrraiion a incanplete or eraccurale, please write to us at Discover Ca , PO Box 30943, SaU Lake City, UT 84130-0943 so that we can update this inforration. 4. How Can You Limit Sharing of Information About Yo ? Wre respell your privacy and offer you choices as to whether may share information abort you wuh others. You have the option to tell us not ~ share the eAom>atan we coNect about Section 1, wuh non~affiiated third parties. You also have the ion to teU us not m shoo: the edarration we coied about Yom. as desathed'n preference for either d these you, as described n Section 1, vdlh companies n our corporate farryy. ff you indicate a options, pl~se understand that may not receive offers for products and services provided by other companies that cook) help you lower your costs, maxim¢e yorr fnancial resources, or manage your fnarrces. To indicate your preferences, please call us at 1-600-22 5202 or write to Discover Card, PO Box 30961, Sak Lake City, UT 84130.0961. If you have previously notified us about your privacy preferences, it is not necessary to do so again nless you decide to change your preferences. Yourwrilten request should exdude your name, address, telephone number and Aecamt number(s) and should not be sent wuh any other comes ence. In order to process your request, we require that the request be provided by you deecUy and nd through a third party. You wiU need to provide us with your preferences for each credo cad acoou you have wuh us. You may notify us about your preferences at any time. Your oast will remain n effect urAil you notify us otherwise. We wtiU horror your request and not shoe this informaton except as permitled by law. For example, federal law permits us to shore info about you with cansrrr>er reporting agendas, service providers and fnarx;iaal institutions with which we have .. ma louA rketn9 a~errrents. u you are a new Cardnrember, we wit nd shoe any inform ' about you, except as pernuted bylaw, for thirty days after we provide this Policy to you n order to give ycw an opportunuy to inform us about your prefenences. M you ore an existing Cardmember, the processing of your request. This Pnvacy Poicy is provided to the prir>ary Cardmember i to the entire Account. We do cwt shorn; information about fon this Privacy Policy from time to terse and we will notfy you I ~ This Privacy Policy is providedto you by Discover Bank and family d Discover Canis for consumers and the products an infamration registered in rbrxrodion with the service, which v may have other rights understate laws that apply to this erfa products and services provided to you by us and our affuiate; Vernont Residents - Your state law requ'res fmandal instil celled about you with non-affiliated thid parties or companie Califomta Residents - Your state law requees fnanctal nst share infomwtext we tolled about you wuh nonaffiliated thin Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice caAaers important infomration about your rights a 1. NotYfy Us fn Case of Errors or Quesfkns About Your E ff you think your bill is wrong or iF you need more information ; as soon as possible. We must hear from you no later than 60 In your letter, give us the fdbwirg information: >ase understand that you may oorrterue io receive marketing offers directly from other companies that were atready er produdan prior to led on the Account. However, any joint Cardmember has the right to ndify us about preferences and we will treat that request as applyiny er customers, except as permuted by law. This notification supersedes all prevewsy issued Privacy Polides. We reserve the right to amend do so. s subsidiaies, which currently include GTC Insurance Agency, Inc. and Discover Products Inc. Unless otherwise spedfied, u applies to the services offered in connedan with those Cards, etduderg the Wallet Protedan cad registration service (wuh the exception of any I not be shared). u is pad of your Cardmember Agreement and provides a further explanation of how we collect and share information. You lotion. Please ode that you will also receive privacy notices for other credo cad accounts you have with us, as well as other fnandal You will need to indicate your preferences for each of these separately as disclosed in the notice. ions to obtain your consent poor to sharing infortr>ation about you with others. Except as permitted by law, Hre will not shoe erforrratien we in our corporate fanny unless you call us at 1-600-DISCOVER (1-S11Q347-2683) and authorize us to do so. Awns to obtain your consent prior to sharing eAormalbn about you with non-affiliated thad parties. Except as pertnitled by law, we will not parties while you ore a resident of CaUfomia. our responsbuifies under the Fa'r Credo Billing Ad. a transaction on your bll, wrue us on a separate sheet of paper at the address Usted an your bill for Ndice of BUing Errors. Wrue to us after we sent you the frst bll on which the error or problem appeared. You can telephone us, but doing so vaU not preserve your rights. • your name and Aa:otmt number. • your dolls amount of the suspected error. describe the error and explao, iF you can, why you believe is an coon. M you need more information, desaUme the item you are not sure about. tt you have authored us to pay you credit card bUl oral Yy from your savings a checking acootmt, You can stop the payment on any amount you thok is wrong. To stop the payment, Your letter must reach us three business days before the automatic is sd>eduled to occur. Your Rights and Our Responsibilrfies After We Rec Your Written Notice We must adomowledge your letter witho 30 days, unless have carreded the error by then. Within 90 days, we must either correct the error a explain why we believe the bit was cared. After we receive your letter, we cannot try to tolled any nt you question a report you as deUnquent.lNe can rxxmtirxre to bUl you for the amount you question, inducting finance charges and we can apply any unpaid amount against your Account aedU Urnit ou do not have to pay any questioned amount while we are ovestig~og, but you are stUl obligated to pay the parts of your bill that are not b question. ff we fnd that we made a mistake on your btll, You wiu not th pay any fnarae drarges related to arty questioned amount. ff we didnl make a mistake, You may have to the fnarae ch Pay arges, and you will have to make up arty missed payments on the questioned . In eiUrer case, we will send you a statement of the amount you owe and the date that U is due. ff you fail to pay the amount that we thok you owe, we may port you as delinquent. However, if our explanation does not Satisfy you and you write us witho ten days teNog us that you still redrse to Pay, we must teN anyone we report you to that you have a about your till. And, we must tell you time name of anyone we reported you to. V4t; must tell anyone we report you to Drat the matter has been settled between us when d fnaly is. ff we don't fo these rules, we can't collect the frst $50 of the questioned amount, even ti your bill was cared. 3. Special Rule for Credrt Card Purchases tt you have a problem with the quality of goods a services at you purdmased with a aedU card, and you tried o good faith to tarred the problem with the merdmant, you may have the right nd to pay the remaining amount due on the goods a services. There two limitations on this right: (a) you must have made the purchase o your home state a, fi within your home state, wdhh 100 miles of your current mailing address; and (b) the pundmase price must have been more than $50. These limitations do nut apply ff we own or operate the enchant or if we mailed you the advertisement for the goods or services. 4. Purchases Made witf- Checks or Cash Advances The Special Rule fa CredU Card Purchases does not apply o purchases made with a balance transfer check cash advance a al y problem with the promotion purchase Bieck. Therefore, U ou have a quality of goads a services that you purchased with a bat transfer check, pranotional purchase check, ceslm advance check a the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discover Cardmembers are provided with $500,000 Sched led Air Travel Acddent Insurance' You, your Spouse, Domestic Partner a eUgible Dependent Chidren fa whom a ticket was purd>ased on your Card (as defined below) will be autanalicaly osured a ost Acddental Loss of Life arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner a eligible Dependent Children fa whom a ticket was purchased on your Card are ' og as a passenger o a entering, exilog a being sbmrdc by a Scheduled Aira~t a a conveyance operated by a mUilary transport service a riding as a passenger ~ a entering a exiting any conve ce licensed to carry the public fa a fee and while travelog directly to a from the airport immedi-atey preced'eg the deparhRe of a Soled Alaaft on which the Insured Person has punch passage and ovr>ediatey folk>rving the arrival of a Sdheduled Airrxaft on which the Insured Person was a passenger. 'Coverage is undervrritten by Federal Insurance Company, member insurer of the Chubb Group of Insurance Companies. Certain limitations and exdusiens apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,000) is pay ble fa Accidental Loss of Life. Time Loss must occur witlmo one year of the Accident MAXIMUM LIMIT OF INSURANCE: tt more than one Insu Person suffers a Loss o the same Accident, the Company will not pay more than the maxoxxn ImU of osurance ($20,000,000) per Accident. ff an Accident resuUs in Benefit Haunts beoomi payable, which when totaled, exceed the applicable knit of osurance shown above, the maximum IimU of insur~ce will be divided proportionally among the Insured Persons, based on each a riicable BenefA Amount In the event of rrwU~le Accidental deaths per Account arising from any one Acddent, the Companys liability fa all such Losses will be Umded to a maximum Unit of insurance al to two times the applcable BenefA Amount fa Loss of Life. BenefAs wnT be propationatety divided among the Insured Parsons up to the maximum limd of osurance. DEFINITIONS: Accident or Accidental means a ~rdden, unforeseen and nexpeded event happenog by dunce, and incUrdes unavoidat~e exposure to elements arising from a covered Hazard. Accidental Bodily IniuMiesl means bodity injury which is ' ental, is the direct source of a Loss, is independent of disease, illness a other cause and ocwrs while this pdicy is o force. ~ypl: means a Card octant. t3enefd Amount means the Loss amount at the tine the en cost nt the passenger fare is dwrged to an Account. ~ means the Discover Card. Cardmember means the holder of the Card whose name a pears on the aedU card. ~QpfpapY means the Federal Insurance Company. Covered Trio means travel on a Scheduled Alaaft when th entire oust of the passenger fare fa such transportation, less redeemable certificates, voudmers a coupons, has been drarged to the Insured Person's Account. Dependent Child or Children means those children, induct' adopted children and those children placed fa adoption, who are prorarily dependent upon the osured Peron fa maotenance and support and who are: (1) under the age of 19 and reside the Insured Person; (2) beyond the age of 19, pennanently mentally a physically d>aUenged, and ocapable of self support; a (3) under the age of 25 and classified as fulNime students at an ostitution higher leamog. Domestic Partner means a person who: (1) is at least 18 y rs of age and competent to enter into a contract; (2) is not related to the Insured Person by blood; (3) has exdusivey lived with the Insured Person fa at least one year prior to the date of enrollment; ( ) is not legally married a separated; and (5) as of the date of enrollment, has with the Insured Person at least two of the following fnandal arrangements: (a) a joint mortgage a lease; (b) a joint bank ceount; (c) joint tide to a ownership of a mots vehicle a status as a joint lessee on a motor vehicle lease; or (d) a joot credU card aocarnt with a financial ostitution. Neither the Insured Person ran th Domestic Partner can be rnarried to, ran o a civil union with, anyone else. l~ means the covered cirraer>stances fa which this o is provided as stated o Section III of the Declarations, Hazards, and described o the Flazards form, as described on page 1 dthis Description of Coverage. Insured Person means all Cardmembers, their spouses, is Partners and Dependent Children, as well as authored users of the Account. L4SS means the Loss of Life. Lgg~l~fg means death, odud'ng d'nical death detemi by the kxal govemog medical authonties. P.411GYbgjfl8[ means DFS Services LLC, the entity respon in~ fathe payment of premium. ~ means an araait averred andla ed by a Scheduled Airline. ~hetlYletl,Ald10@ means an aiiime which is of Unit States registry and certified by the United States government to carry passengers on a regularly scheduled basis a of foreign register and approved by the Unted Stakes govemment and the ap foreign authority. ~ means hosttiities following a declaration of War by a authority. ff there Ls no declaration of War, then (1) amred, open and continuous hostil~ies between two countries a (2) arrned, -open and continuous hostilitiees between two factions, each in control of teni6cxy, a claming jurisdiction over the sde of the area of txutilffy. DISAPPEARANCE BENEFITS: ff the Insured Person has been found wthin one y~r of the disappearance, stranding, sinking, wreddng a breakdown of ~y Sd>eduled AirxaR a conveyance in which the Ir>sured Person was covered as an oaxrpant, it ' be assumed, subject to all other terms of the policy, that the hsured Person has suffered Loss of Life carered under this policy. EXPOSURE BENEFITS: Acddent includes unavoxlable a poskxe to elernents arising from a covered Hazard. ELIGIBILITY: This insurance plan is provided to Insured P rsrns auto-rrratipNy when the setae cost of the passenger fare(s) on a Sdheduled Aetine 's drarged to the Cardmember's Aaxxmt while the insur~rce is effective. ff is not necessary for you to notify th Pelicylwlder a the Company when Scheduled Airline tickets are purchased. EFFECTIVE DATES: Your trrsurance under th's insurance is effective an the later of:1) April 1, 2007; a 2) the date you become an eligible Card-member. Your insurance coverage under this uuuran plan veil cease on the earlier of: (1) the date the insurance coverage is terminated; a (2) the date you cease to bean eligble Cardmember. COST: This insurance plan is provided at no additional oust eligible hstrred Persons fa Covered Trips. Policyholder pays the full cast of the insurarxx. THE BENEFICIARY: The Loss of Lffe benefit will be paid the benefx~ary designated by you. ff no such designation has been made, that benefit veal be paid to the fast surviving beneficiary in the folkrwing order. a) your spouse; b) your chtidren; c) your pa s d) your brothers and sisters, e) your estate. All other indertnities will be paid to you. ff you wish to than e 9 y~ benefx~ary, YW ~ request a beneficiary de5i~ation form by writing to the plan administrator ai: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 66164 a at Beneficaryrequesl(c~TheDUedMG.can. EXCLUSIONS: This insurance plan does not cover Loss re fling from: {1) an Accident occurring while an Insured Peron is h, entering a exiting any auaaft owned, leased a operated by this Poicyholder a any aukxaR owned, leased a operated by a employee of the Policyholder on behaff of the Policyholder (this exclusion does not apply to aukxafi chartered with pfict or crew on one tune drarter basis), (2) an acddent whtle an insured Person is in enteruxJ a exiting any airrx7aaR while ad'mg a training as a pibt a crew member (this exclusion does nct apply to passengers who temporarily Perform pibt a crew functions in a life threaten' g emergency); (3) emotbnal trauma, mental a physipl illness, disease, Pregnancy, chiklbuth a miscarriage, bacterial a veal ulfe(:tl0n, a bodily maffunctions (except baden~ infection posed by an Acdderrt afrom Accidental consumption of a substance contaminated by bacteria); (4) suicde, attempted suidde a Loss that is intentionaly self inflicted; a (5) declared a undeclared War. CLAIM NOTICE: WMten dawn nokice must be given to the parry within 90 days after the occurrence of any Loss covered by this policy a as soon as reasonably possible. Failure to give notice within 90 days wfil not invalidate a reduce any otherwise va id dawn rf notice is given as soon as reasonabty possible. CLAIM FORMS: When the Company receives notice of a im, the Company will send you forms fa giving proct of Loss to us vrithin 15 days. ff you do not receive the forms, you should send the Canpany a written description of the Loss. CLAIM PROOF OF LOSS: Complete proof of Loss must giver to Company within 90 days after the date of Loss, a as soon as reasonably possible. Failure to rve cam fete these tune frarrres wnT notot invalidate arty otherwise valid der' ff notice is given as soon as reasonably possible and in no event later than one year after the deadline to submit completentproof of LLoss. CLAIM PAYMENT: The Company wiN pay you a your ben nary the appGpble Benefit Amount within 60 days after complete proof of Loss is received and ff you, the Policyholder and/or the beneficary have complied with aB the terms of the pdicy. ARBITRATION: h the event of a dispute under this potiry, ' the Cam-parer a the Insured Person may make a wntien demand for arbitration. In that pse, the Company and the hexed Person witi each select an arbiba-tor. The two arbffrakars wdl select a thud. ff th prrrok agree within 15 days, eilherthe Company alhe hsured Person may request that the deice of arbitraka be subm~ted to the Mreripn Arbitration A~odation. The arbitration w~71 be held in the state the hsured Person's pmcpal residence. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PL SE CALL THE CLAIMS SERVICE CENTER AT 1 X00-CLAIMS-0 (1.800-252670). You pn also go to the Company Web site , dick on Report a Loss, select Accdent, Benefds and Life claims, select the appro-pri-ate form, pmt out the dawn form, fill out and mail. ou can fNe a claim by mail a fax. Mailing Address: CHUBB GROUP OF INSU CE COMPANIES CLAIMS SERVICE CENTS 600 INDEPENDENCE P AY PO BOX 4700 CHESAPEAKE, VA 23327-4 00 Fax Number. 1800-300-2538 As a handy reference guide, please read this and keep R in safe plop with your other insurance documents. This desaiption of coverage is not a contract of insurance but a a sunxnary of the principal provisions of the insurance while in effect. ComPlet Paint provisions are contained in the Master Policy, which pn be obtained from the Pdicyholder: Poky #9906-18.06 Poicy Underwritten By Phan ministrafa Federal Insurance Company The Deed sting Group, Inc. a member insurer of the 13265 Avenue Chubb Group of Insurance Companies Omaha NE 68164 15 Mountain View Road, PO Box 1615 Warr~r, New Jersey 07061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discover' Cardmerrrbers pn benefit from the security and offered tfxough Excess Collision Damage Waiver. ff you rent a vehicle fa 31 consecutive days a less (a 45 days under certain draxnstances desa*rlred bebw) wAh your Card (as defined bw), you may be elgible fa benefits under this coverage. Excess Cdtision Damage Waiver is an insurance program, underwritten by Federal Insurance Company Policy#990('x17-63 (the 'Pd' ). DEFINITIONS: AGfBJfGt means a Card account Acteal Gash Vale means the cost to repair a replace the ented Autofrrobde at the time of k>ss, less depredation. means the holder of the Card whose name a rs on the aedit prd. ~ means the Discrnrer Card. Collision Damage means the direct and accdental damage o a Rented Automobie puled by upset a cdlision with another object Coltisan Damage does not include bss posed by missrtes, taping objects, fre, theft a larceny, expbsion, earthquake, windsto ,hail, water, fkxxi, malicious mischief a vandalism, rict a dvi corruration. ~pptQ~f means the Federal Insurance Company. 10SYLESI means Cardmembers and authoraed users of the M. PgJi~ybQid~r means DFS Services LLC, the entity responsi le for the payment of premium. Bepjy means a ca~naraal autamobNe rental any licensed under the lags of the applicable jurisdiction. $~py(j@ mans a fa~u-~M~eeled private pass gar type mots vehicle a a minivan manufactured and designed to transpat a maxinum of seven passengers ~d used exarsivey to carry passengers. A Rented Automolx'le must be designed fa vet on public roads and rented from Rental Agency. TO GET COVERAGE: The CoNision Damage Waiver Coverages provided ~ you, an Insured, aulom~icaly when the entie rental fee fa the Rented Furtanobile is d~argecl a detxted to your Pccour~. N is trot necessary fa you io notAy the Company at the fine the rental fee is charged a bited to your Aaant You must decline the LosslDamage Waiver offered by they vehicle Rental Agency You must rent the vehicle in your own name and sign the ick The coverage period wdl not exceed 31 consecutive days, a 45 consecu-five days fi the Insured is an empbyee of an ¢atM THE KIND OF COVERAGE YOU RECEIVE: rental a9reemenVcontrad. vrhich has pro-vided a Card to the Insured fa business use. In oor>sideration of the prerrrium paid by the Poficytrolder as ~, and sutyect to ~ the tents of the Poky, the Canpany agrees to reimburse an an Acdml Cash Vakre basis eNher Bra hsured a the Rental Agerxy for repa'r a rep~cenrent of the Rented Automobile a resuN of Colision Damage to the Rented AulonabNe. The Companys Nab~ly wit be fa a maoQnum reimbtrsemerrt of $25,000. In ce event vaN the Company be Noble beyond the amarnts acl~aNy paid by hsuted ache Rer~ Agency. ff you a an Insured's primary vehicle insurance a other covered by other insurance. This coverage is not aN-inclusive, whid~ means it does not you fa any rcrjury to any party. WHO IS COVERED: Discover Cardmembers EXCLUDED RENTAL VEHICLES: Offroad, antique a fmiEed edNion mots vehicles; tnxics; ter High value motor vehicles are motor vehicles wtase teplaoe manuhachxed fa 10 years a mesa. WHERE YOU ARE COVERED: Coverage appNes to vehicles rented b the United States and Coverage is not available where prohN~ited by law. WHAT IS ~ COVERED: Coverage does not appy to bss resulting from the followin Any dishonest, fraudulent a aiminal acl of the Insured. • Forgery by the Insured. • Loss due to war a corrflscation by authorities. Loss due to rwclear reaction a radioadive cariarranalion. has made payments fa a covered bss, Excess CoNision Damage Waiver will Dover your deductible and arty other eligible amounts not such thugs as personal injury a personal liability. fl does not cover you fa any damages to other vehicles a property. N does not cover ~~, camPe-s, PAP tnrcks, and rrini-buses; NmNed edNbn mots vehicles a high value, exotic, high perfonrrarrce a collector type. re exceeds 350,000, and antique males vehicles are defined as any vehicle over 25 years old, a any vehicle which has not been The Insured being intoxicated, as defned by the laws of the risdidion where the lass occurred, a under the influence of any narcotic unless presaibed by a physician. • Use of the Rafted Automobile to cony passengers and p party for hire. Use of the Rented Automobile by a person otherthan the one -¢ed to operate the Rented Aubnrobie by the terms tithe Rerth>I Agreement Loss of use of the Ratted Autanobile. Intentional damage to the Rented Automobile by the Insure Damage which 's due and confined to wear and tear, freeZl , mechani-cal a electripl breakdown a faikrre. Damage to tires unless the bss is coincldent with a covered Use of the Rented Autamotrile in tests, races a cartests The Rented Automobile berg operated a bated m any t Dry pro~hibiled by the terms of the Rental Agreemert. FOR INSUREDS WHO ARE NEW YORK STATE RESIDE TS: To the extent that this plan provides insurance against d to a rented mots vehicle, the folb~virrg tams and conditions apply: (1) the period of insurance coverage will not exceed 31 oarsecutHe days, a d5 consecutive days rf the Insured is an empbyee an agan¢.~bn wArich 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 colledrble insurance cover-b9 ~ Rented Automobile. However, the insurance under this plarr may be primary if speciflc;alfy provided fa under the terms of this plan and if the following uiteria is met: (a) the Rented Automobile is rented fa use outside the United Stet ,its territories and possessions; (b) the Insured is an empbyee of an agan¢ation 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 DA AGE WAIVER: In the event of a dam, written a verbal notice must be IF YOU HAVE ANY CLAIM RELATED QUESTIONS, I You can also go to the Company Web site (IipNpp~~ can file a dais by maN a fax Mailing Address: CHUBS GROUP OF IN; CLAMS SERVICE CEh 600 INDEPENDENCE F PO BOX 4700 CHESAPEAKE, VA 233 Fax Number. 100-300-2538 CLAIM PROCEDURE: The Insured must serxl the Company written notice of a must be given as soon as reasonably possible. To file a A copy of the Aocarrt statement sho+uirg the automobile rE A copy of the automobile rental agreement. • A copy of the police report. A copy of the ingint slain report submitted to the automob A copy of the paid claim presented by the automobile Rer Proof of submission of the bss to, and the results of any ff no other asurarxx; is applcable, a notar¢ed statement 1 Reminder. Please refer to the Insurance Disclosures ; INSURANCE DISCLOSURES as soon as reasonably possible. CALL THE CLAIMS SERVICE CENTER AT 1800-CLAIMS-0 (1-ti00-252.4670). dick on Report a Loss, select Aoddent, Benefits and Life dawns, select the appropriate form. prat out the daim faro, fitl out and mail. You COMPANIES hduding the Insured's name and Policy number, within 90 days after a covered bss occurs. ff notice cannot be given within that time, it Proof of Loss, the Insured must send the foNowvng irformration to the Company a its authorized representative: transaction. Rental Agency. Agency fa the Collisbn Damage fa which the Insured is responsible. a denial by the applicable nsurance carrier(s). the Insured to that effect. As a handy reference guide, please read this dowment and keep it in a safe place with your other insurance doaxrx'nts. This Summary ofCover-age is not a contract of nstxance but is simply an infannafive state-n~ent to eligible Insureds of the prindpal isions d the insurance whNe it effect. Compl~e 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. ff statement in this Summary of Coverage and any provision in the pogcy differ, the poky will govern. Pdicy Underwritten by Plan miastrator Federal Insurarxx' Company ("Company) The Direct M eting Group, Inc. a member of the 13265 Avenue Chubb Group ~ Insurance Compar>ies Oma , NE 66164 15 Mountain Vew Road, PO Box 1615 Warren, New Jersey 07061-1651 Master Pogcy Number.9906-173 Effective date of benefds: Effective April 1,2007, this guid replaces all prior disdosures, program descriptions, advertisng, andla brodwres by any party. Policyholder and Canpany reserve the right to change the benefits and features of these programs at an time. Cancellation: PoNcyhokter can cancel these fx;nefits at any ime a dxx>se not to renew the insurance coverage for all authorized Cardmembers. ff Policyfwider does cancel these benefits, you wiN be notified at least 60 days in advance. ff the Company term s, cancels, a chooses not to renew the coverage to Polcyholder, you will be rx>tified as soon as is practicable, Insurance tx~its will stNl apply fa any benefits you were eggible for prig to the date such terminations, cancellation a naxenewal, subject to the terms and conditions of coverage. Benefds to you: These benefits apply any to Cardmembe whose cards are issued by U.S. financial irsti-rtions. The United States is defined as the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgn Isl s. No person a entity other than the Card-memtx:r shag have any legal a equitable right, remedy, a dais for osurance proceeds arxUa damages trtrder a arising out of this coverage. benefits do not apply N your Card privNeges have been cancelled. However, nsurance benefits well stiN apply fa any benefit you were eligible fa prior to the date that your Account is suspended cancelled subject to the terms and oondigons of coverage of your Cardmember Agreerrrent Transfer of rights or benefits: No rights a benefits under these irsurarx;e benefits may be assigned without the prig written consent of the Company. Misrepresentation and Fraud: Coverage of the Inswed will be void ff, at any tine, the hsured has candled a misrepresented any material tad a drannstance concerning this coverage a the subject thereof a the interest of the Insured herein, a n p of any fraud a false swearing by the insured relafirg thereto. Coverage fa an Insured wNl be void ff, whether before a a bss, the Pd'~cyhdder a its subscribing organ¢ation(s) has concealed a misrepre-rented any material fact a draxnstance concern' this wverage a the subject thereof a the interest of the Insured therein, or in case of any fraud a false swearing by the Pd'~cyholder a qs sub 'bing aganFZa-lion(s) relating hereto. Addition of New Insureds: Aq eligble perms will be icaNy insured underthis PoNcy. Examination Under Oath: tt is a condiion of this insurance the insured and the Policyholder, as often as may be reasonably required by the Company, wiN submN, and within its power cause others to submit, to examnations urxier oath and wdl prod fa examiratan ail writings, books of account, bias, iivoices and other voudrers, a oerti7ied copies thereof N originals are lost, at such reasonable time and place as may be desgnated by the riy a ifs represent~ive, and wiN permN extracts and copies thereof to be made. No such examiratiar under oath, examination of documents a any other act of the Company, its empbyees a representatives in connection with the investigation of any kxs or daim wiN be deemed a waiver of any defense and such ads shall be deemed fo have been made a done witlwut p ice to the Companys IiabNity. No Benefit to Others: This coverage wdl in ra way inure d' a ndiredly to the lx;nefit of any insurer, person a organ¢ation a other bailee. Subrogation: tt is a condition of this insurance that if the C y pays the Insured fa a bss, it wiN requie the Insured to assign and transfer ~y claim a right of adorn against any individual, frm a corporation for such k>ss to the Company a subrogate a ho intrust ant such rights to the extent of the amount paid. The Insured wiq agree to take action as requested by the Company to enforce such rights. Upon payment by tfre Company to the Insured, the Ins red agrees to direct enforcement of such rights as reasonaby requested by the Company and to return to the Canp~y any recovery to the extent payment of bss Eras been made by the Company. Arbitration; In the event of a dispute under this policy, e' the Company a the Insiaed may make a written demand fa arbitration. In that case,-the Company and the Insured will each select an arbitrator. The two arbHtratas wit select a third if they can agree within 15 days, either the Company a the Insured may request that the choke of arb~alor be submitted to the American Arbitration Association. The arbitration wit be held n fhe state of the 's prir>rapal residence. GLOBAL TRAVELER'S HOTLINE TERMS A D CONDITIONS The Gbbal Travelers Hotline provides Cardrnernbers and it famLes a wide range of free travel assistance benefits. tt is operated by AXA Assistance USA, Inc. Yisi Discoverrard.camrUavef to team more. Eligibility. You rrxist be a Cardmember whose Aaant is good standing, the Cardmerribers spouse a dependent child fravekng with the Card~r>Fxriber a an Autha¢ed User of an Account in standing. Third-Party Charges. Gbbal Travelers Hotiie is rat ' ce, so you wit be responsible fa all thid-party fees and eacpenses fa services requested, such as professional a medical fees. Availability of Services. Certan services may rat be th aq areas. Cal us at 100-DISCOVER (1-BOQ347-2683) fa assistance a Ayou have questions about a speafic destination. Outside the U.S., call us celled at 1-601-902100. Whie AXA wit make emery reasonable effort to provide the servkxs, Welber AXA Assistance nor Disc Bank a our respective affiliates wi8 be liable if a service is not provided a fa any services that provided by third parties. The services and these tenrts and coridiions are subject to dv3nge wilaut notice. i VtSC.~%V tK (,j ~ ~ s4,loo.oo ~,) ~~ ~~~;~{'i 09 SDSN6A01 0002959 KEEPER, RICHARD 1718 LOCUST ST NLW CUMBERLND PA $82.00 ~ Enter Amount Enclosed Below Paymentent Due Date I $ ~--~ July 8, 2003 please make check pa able to Discover Platinum Card or pay online ~ Discovercard,com. 1707 -1458 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.cornlpaperless. ~ PO BOX 71084 {{{rn{{su{Inr{ilnnr{{{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changei' Print hangs in space ~rrlil~~~lri~l~~,ri~lr~lrlii~~ll lrirl~~l~~lrrl{~~I~ilirl~l~~~{ obove, or go to Discover.com. Print your e- ail address to receive important Account information and pecial offers. 0000019864585840322~68041000 000200000008200 Discover Platinum Card J~-ccount Summary ', Closing Dater June 9, 2003 page 1 of 2 Account number ending in 6925 ', Previous Balance $4,300.00 Payment Due Date July 8, 2003 '', Payments And Credits - 200.00 ivtinimum Payment Due $82.00 j Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $900.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Fina ncs Charges 0.00 + Cash Credit Available $900.00 _ _ New Balance _ _ $4,100.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CC511117CCIC B011U5® ' Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary ',i i Month: January Keep using your Discover(R) Card and watc~ your Cashback Bonus(R) award growl Remember, once yyour Cashback Bonus award is at least $20, you can redeem your) award by tolling us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1. visit Diuover.com to pay your bill for no cost, view your latest Accovnt information, Born and redeem rewards and more It's your choice - 3 ways to h Ip 2. Call 1-800-DISCOVER (347-2683) for Fast, easy self-service 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) s e reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po DaN Da Payments and Credits May 19 M 19 PAYMENT -THANK YOU $ -200.00 Finance Charge Summai Average Daily Balances current billing period: 31 days Purchases $0 Cash Advances $0 Balance Transfers $4158.06 Nominal Transaction et r Daily ANNUAL ANNUAL Periodic ~ ~ Fee ] Periodic PERCENTAGE PERCENTAGE FINANCE ~~ d~ ® FINANCE Rates RATES _ RATES CHANCES CHARGES o.ooooo io o.oo~o F o.ooso 0 0 ~~:,,~. 0.05751 % 20.9990 F 20.99ga $ 3 0.000003'0 0.003'0 F 0.003'0 $0 $0 The rates that apply to your Account are eith~r fixed (F) or they may vary (V) as noted above. V19td',~' 1/ ~~ Cashback Bonus Cashback Bonus Anniversary Previous Cashback Bonus Aw Purchase Award This Period Cas back Bonus Awar Tota Cashback Bonus Award Balc Award Available to Redeem June 9, 2003 t+ccounr numoer enomg In ort~ pope 2 of 2 Award Summa te: January 9 Balance Balance $ 0.00 + 0.00 0.00 0.00 Restrictions apply to the Cashback Bonus f a~tner offers visit Discowr.com or call 1-800-DISCOVER (1-800-347-2683 for details. for program details, see the Cashb ck Bonus ('rogram Terms and Conditions. VIJC.'~VtK s4,ooo.po 09 SDSN6A01 0002960 II KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 1707 -1458 $80.00 ` Enter Amount Enclosed Below Payment Due Date $ August 8, 2003 please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure wdh password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Illrr~llrs~~l~ss{rlsirrr CHARLOTTE NC 28272-1084 Address, a-mail or telephone change$ Print change in space I~rlr~lrrlrrrlrll~rrlrrl~lrr~~lllrrrlrrlti~~rrllrrlir~~rl~lrrll above, or go to Discover.com. Print your ail address To receive important Account information and special offers. DOD001986458584032~680400000D01000000080D0 Discover Platinum Card ~-ccount Summary Closing Date: July 9, 2003 page 1 of 2 Account number ending in 6925 Previous Balance $4,100.00 Payment Due Date August B, 2003 Payments And Credits 100.00 Minimum Payment Due $80.00 Purchases + 0.00 Credit Limit $5,000.00 I Cash Advances + 0.00 Credit Available $1,000.00 ', Balance Transfers + 0.00 Cash Credit Limit $2,500.00 F inoncs Cho es + 0.00 Cash Credit Available $1,000.00 ~ _ _ New Balance _ _ = $4,000.00 ', You may be able to avoid Periodic Finance Charges, see the reverse side For details. CcShbatk Bunus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus Anniversary. I Month: January ii Keep using your Discover(R) Card and watc~ your Cashback Bonus(R) award growl i Remember, once our Cashback Bonus ~ award is at least 20, you can redeem your award by calling us or by logging into the ', Account Center at Discovercard.com. How Can We Help You? i 1 • Visit Discover.com fo pay your bbl for no cost, view your latest Account information, eam and redeem rewards and more It's your choice - 3 ways to h Ip 2. Call 1.800-DISCOVER (347-2683) for Fast, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write vs at Discover Card, PO Box 30943, for TDD assistance for hearin im aired s ( 9 • P 1 reverse side Salt lake City, UT 84130 Transactions $0 Fraud Li bflfty Guarantee Use your Discover Card with confidence. Trnns. Pos Dale Da Paymsnh and Credits Jul 2 Jul PAYMENT -THANK YOU $ -100.00 Finance Charge Summal Average Daily Balances current billing period: 30 days Purchases $0 Cash Advances $0 Balance Transfers $4073.33 The rates that apply to your Account are e Nominal Transaction Daily ANNUAL ANNUAL Periodic fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES 0.00000% 0.00% F 0.009e $0 $0 0.05751 % 20.99% F 20.999a $0 $0 0.00000% 0.0030 F 0.00% $0 $0 r fixed (F) or they may vary (V) as noted above. u~,Lr'e V CK July 9, 2003 page 2roF 2 ner enaing m orta Cashback Bonus ~ Award Summary Cashback Bonus Anniversa ate: Janua 9 Balance Previous Cashback Bonus Awa d Balance $ 0.00 Purchase Award This Period + 0.00 Cashback Bonus Award Total 0.00 Cashback Bonus Award Bafanc 0.00 Award Available to Redeem $ 0.00 Restrictions apply to the Cashback Bonus Pa~tner offers visit Diuowr.com or call 1-800•DISCOVER (1-800-347-2683) For details. For program details, see the Cashb ck Bonus Grogram Terms and Conditions. VI. ~~£~ Y CK y~,wu u u I 56tSA0 I Enter Amount Enc{osed Below Payment Due Dote $ Sephmbsr 8, 2003 Please make check payable to Discover Platinu Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002961 KEEFER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 1707 - 1458 Learn more at discover.comlpaperless: PO BOX 71084 Illeeelleeelle~e~~le~eeelll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print c hange in space ~rr~~~~~r~nr~r~~r~~~r~~r~ii~~~~l~i~~i~~~i~~i~{i ~i ~l i~~ ~ ~ above, or go to Discover.com. Print your m ~ i i ~ ~ ail address fo •eceive important Account information and s pecial offers. OOOOD1986458584032 680330D0000700000006600 Discover Platinum Card ccount Summary Closing Date: August 9, 2003 page 1 of 2 Account number ending in 6925 Previous Balance $4,000.00 ~aymani Due Date September 8, 003 Payments And Credits - 700.00 Minimum Payment Due $66,00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $1,700.00 Balance Transfers + 0.00 Cash Credit Umit $2,500.00 Finoncs Chargss + 0.00 Cash Credit Available $1,700.00 _ New Balance ~ _ $3,300.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: January Keep using your Discover(R) Card and watt your Cashbook Bonus(R) award growl Remember, once yyour Cashback Bonus award is at least $20, you can redeem you award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel You? P 1 • Visit Discowr.com to pay your bill For no cost, view our latest Account information, earn and redeem reward: and mo It's your choice ' 3 WgyS t0 h ~p 2. Call 1-800-DISCOVER (347-2683) For Fast, easy self-service Please have your Discover Card available. options or to speak with o Customer Service Account Manage For TDD (assistance For hearing impaired) s 3. Write us at Discover Card, PO Box 30943, reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po s Doh Da Paymsnta and Crsdits Ju120 Jul 0 PAYMENT -THANK YOU $ -700.00 Finance Charge Summa Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fere Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE. al ces Rates RATES RATES CHARGES CHARGES curzent billing period: 31 days Purchases $0 0.000003'0 0.00% F 0.003'0 $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $3525.80 0.000009'0 0.0090 F 0.00% $0 $0 The rates that apply to your Account are eit h r fixed (F) or they may vary (V) as noted above. VIJt~.~ V ~IK August 9, 2003 I /+ccounr numoer enaing m orza page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversa ate: Janua 9 Balance Previous Cashback Bonus Awa d Balance $ 0.00 Purchase Award This Period + 0.00 Cas bac Bonus Awar Tota n nn Cashback Bonus Award Balc Award Available to Redeem Restrictions apply to the Cashback B~ details. For program details, see the 0.00 $ 0.00 offers visit Discowr.com or call 1-800-DISCOVER (1-800-347-2683) For onus grogram Terms and Conditions. VIS ~~.~ ~ C~ yv,~7.+ ov I yov.vv I cmar r~moum cncwsea tSaioW 1 Payment Due Date ~ ~- October 8, 2003 please make check payable to Discover Platinu Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002962 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST NEW CUMBERLND PA 17 7 - information more secure wtth password- protected statements only you can access. Learn more at discover coml erless a 1 5 0 . p p . 4 8 PO BOX 71084 I{leullnellueleluue{{{ CHARLOTTE NC 28272-1084 Address, a-mail or telephone changed Print c hange in space I~~I~~I~~I1e1{~{{e1e{~~{e{~i~l{IIe el~ l~e{ {I I { I l ll above, or go to Discover.com. Print your .m 1 e ~~ ~~ ~e ~~ ~ e1 ail address to ~eceive important Account information and s pecial offers. OOODD1986458584032 680329380D0200000006600 Discover Platinum Card ccount Summary Closing Date: September 9, 2003 page 1 of 3 Account number ending in 6925 Previous Balance $3,300.00 Payment Due Date October 8, 2 3 Payments And Credits - 200.00 Minimum Payment Due $66.00 Purchases + 193.80 Credit limit $5,000.00 Cash Advances + 0.00 Credit Avoiloble $1,70b.00 Balance Transfers + 0.00 Cash Credif Limit $2,500.00 Finance Chnr~ss + 0.00 Cash Credit Available $1,706.00 New Balance 53,293.80 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashlwck Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.48 Everywhere Else + 0.00 Cashback Bonuses Anniversary Cashbdck Bonus Balance $ 0 48 Month: January . Keep usingg your Discover(R) Cord and watt your Cashback Bonus(R) award growl R b hb k emem er, once our Cas ac Bonus award is at least ~20 you can redeem ou , y award by calling us or by logging into the Account Center at Discovercord.com. How Can We Hel You? p 1. visit Discnver.cnm to pay your bill for no cost, view ur latest Account information, Born and redeem reword and mo It's your choice - 3 ways to h 2_ Call 1-800-DISCOVER (347-2683) for fast, easy self-service I Please have your Discover Cord available. p options or to speak with a Customer Service Account Manage For TDD assistance for hearin ~m Quads ( 9 ~ P ~ ) reverse side 3. Write us of Discover Card, PO Box 30943, Sah Lake City, U7 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po s Date Da Payments and Credits Aug 30 Au 30 PAYMENT -THANK YOU ~ _200.00 Merchandise/Retail Aug 30 Au 30 REDLAND BEER/SODA OUTL ETTERS PA 24.21 Sep 1 Se 1 REDLAND BEER/SODA OUTL ETTERS PA 23.71 Sep 2 Se 2 REDLAND BEER/SODA OUTL ETTERS PA 16.39 Sep 6 Se p b REDLAND BEER/SODA OUTL ETTERS PA 23.20 Gas/Automotive Aug 28 Au 28 EXXONMOBIL P7H04b8 LEMOYNE PA 8.80 180 965 581 2 Services Aug 28 Au 28 STORAGE DEPOT-WEST IEMOYNE PA 58.30 Supsrmnrkets Aug 31 Au 31 WEIS MARKET #125 CAMP HILL PA 22.27 Sep 4 Sa p 4 KARNS QUALITY FOOD NEW CUMBERLANPA 16.92 Information For You Balance Transfer offer for current billing per i :Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE .RATE: 0:00%. Rafe is subject to the terms o f he offer including expiration. ~~J~' ,.,1 V LI\ I DiSCVER I Account number ending in OYLJ Get added security wi h no paper trail .. : . Make your account information m re secure with password-protected statements th t only you con access. • Access up to 24 months of do nloadable, ~ Sign up today at printable Statements. ~ Discovercom/paperless • See your statement as soon a it's available ~ ~% rather than wait for it to arriv in your mailbox, i • Get helpful payment reminder through a-mail ;~°,., or text messages on your mob le phone. "' • Print a paper copy of your sta ement anytime. ®2009 Discover bank, Member FDIC Closing Date: September 9, 2003 page 2 of 3 No payments. No penalties. No problem. Discover(R) AccountGuard(R) gives you the ability to put your payments and periodic Finance charges on hold if you lose your job, take a leave of absence, become disabled, hospitalized, get married divorced, give birth, adopt a child, or move , Call 1.877-883.1959 to enroll) * * * * * Yovr purchase of AccountGuard is optional. Whether or not you purchase Acc untGuard will not affect your application for credit or the other terms of any existing credit agreement you have with us. Additional Disclosures. We will give you AccountGuard Terms and Conditions before you are required to pay. There are legibility requirements, conditions, and exclusions that could prevent you From receiving benefits under AccountGuard. Yo should carefully read the AccountGuard Terms and Conditions for a full explanation of the terms of AccountGuard. Simplify and Savel Use your Discover(R) C rd to pay off high•rate balances today. You can save money and consolidate your debt into one convenient payment. Ca 11-877-353.0985 to see iF a Balance Transfer offer is available for you. Now you can use your Discover(R) Card at ver 500 Bob Evans locations) You can enjoy Bob Evans homestyle flavors in their kitchen or yours For breakfast, lunch or inner. Take the time to enjoy a heartland tradition. Come home to Bob Evans and use your Discover Cord. As a Discover(R) Cardmember, you can get ash quickly and easily -just about anytime, anywhere. To Find the nearest cash locations, select your P.I.N., or to order Dis ver Card Cash Checks, call 1.800•DISCOVER (1-800-347-2683). And don't forget to visit us at Discovercard.com where ou can also search for cash locations nearest you. For a list of our great Cashback Bonus(R) Pa Hers, login to the Account Center at Discovercard.com or call us at 1-877•YOUR-AWARD (1-877.968-7292). Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FIN FINA ale s CH ~5 Rates RATES RATES CHAR ES current billing period: 31 days Purchases $61.29 Cash Advances $0 0.000009'0 0.009'a F 0.00% $0 $0 0.05751 % 20.99% F 20.99% $0 $0 Balance Transfers $3229.03 0.00000% 0.00% F 0.00% $0 $0 the rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. QUeSt10nS? Manage your acco nt at Discover.com or .r~ll >I.renn_rncrnvFb tl_nnn_~,t~_ ~AZt ~~,L. ~ V C~ ~ ~ Account number endin m 6925 ~ September 4, 2003 I page 3 of 3 g Cashback Bonus Award Summary Cashback Bonus Anniversa ate; Januar 9 Balance Previous Cashback Bonus Aw rd Balance $ 0.00 Purchase Award This Period 0 00 + . 0.48 Cashback Bonus Award Tota ~ 0.48 Cashback Bonus Award Balan a 0.48 Award Available to Redeem $ 0.00 F~estrictions apply to the Cashback Bonus Par~ner offers visit Diacowr.com or call 1-800-DISCOVER (1.800.347.2683) For details. For program details, see the Cashb k Bonus Program Terms and Conditions. 09 SDSN6A01 0002963 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST Information more secure with password- NEW CUMBERLND PA 17070 1458 Leammoreatdiscover.comfpaperless. pprotected statements only you can access. PO BOX 71084 IllrrrllrnlLr,Llnrrrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print hangs in space I~~I~I'~~I~~~'~II~~~I~~I~I~~~III'~„I'~I~~I~~'I~~I~~I„I'I~~II above, or go to Discover.com. Print your e- ail address to receive important Recount information and pecial offers. 0000019864585840322~8032732100300000006600 -- Discover Platinum Card Account Summary ', Closing Date: October 9, 2003 page 1 of 3 Account number ending m 6925 Previous Balance $3 293.80 Payment Due Date November 8, 003 Payments And Credits , 300,00 Minimum Payment Due $66.00 ', ~ Purchases + 279 41 Credit Limit $5,000.00 ! Cash Advances . + 0 00 Credit Available $1,564.00 ! Balance Transfers . + 0 00 Cash Credit Limit $2,500.00 ', Finance Charges . + 0.00 Cosh Credit Available $1,564.00 I New Balance _ _ $3,273.21 ICI You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BOt1US® I ', ' Cashback Bonus® Anniversary !I Month: January Keep using your Discover(R) Card and watcf your Cashback Bonus(R) award growl Remember, once yyour Cashback Bonus award is of least $20, you can redeem your award by tolling us or by logging into the Account Center at Discovercard.com. h Opening Cashback Bonus Balance $ New Cashback Bonus This Period + Everywhere Else + Cashback Bonus Balance $ 0.48 0.70 0,00 1.'18 How Can We Hel You? P 1 • Visit Discovsr.com to pay your bill for no cost, view our latest Account information earn and redeem rewards and more It's your choice - 3 ways to h tp , 2. Call 1-800.DISCOVER (347-2683) for fast easy selFservice Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD assistance For hearin ( g impaired) se 3. Write us at Discover Card, PO Box 30943, reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Li bflity Guarantee Use your Discover Card with confidence. Trans. Pos Date Da Payments and Credits Sep 24 Se 24 PAYMENT -THANK YOU $ -300.00 Merchandia/Retail Sep 22 Se 22 REDLAND BEER/SODA OUTL ETTERS PA 19.96 Sep 24 Se 24 REDIAND BEER/SODA OUTL ETTERS PA 22,70 Sep 26 Se 26 REDLAND BEER/SODA OUTL ETTERS PA 16.39 Oct 1 Oc 1 DRIVEKORE INC MECHANICSBURGPA 14.36 Oct 4 Oct 4 DR 'ALADDIN SYSTEMS IN 888.245-1723 MN 38.94 44388003 Gaa/Automotive Oct 1 Oct 1 EXXONMOBIL P7H0021 IEMOYNE PA 6.68 180 965 581 2 Services Sep 17 Sep 17 MACWORLD/MAC PUB LLC 800.288.6848 CO 11.95 22600GWC Sep 26 Sep 26 STORAGE DEPOT-WEST LEMOYNE PA 58.30 Sep 28 Sep 28 VERIZON INTERNET SOL 800-567.6789 TX 14.95 Supsnmarksts Sep 25 Sep 25 KARNS QUALITY FOOD NEW CUMBERLANPA 20.81 Sep 26 Sep 26 WEIS MARKET #125 CAMP HILL PA 54.37 $3,273.1 $66.00 I Enter Amount Enclosed Below ! Payment Due Date $ II November 8, 2003 please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. ~~~ ~.'~ v cR I DISCYER- I „~~.,~,,, ~,~,,,~o~ o~,u~„y ,,, ~,~., Get cdded security wi no paper trail - . _ Make your account information a re secure with password-protected statements th t only you can access. ,~ , • Access up to 24 months ofd Sign up today at ~~ wnloadable, ':, 3 ' printable statements. -- Discover.com/paperless ` " ; • See your statement as soon a it's available ~"' ~' rather than wait for it io arriv in your mai{box. • Get helpful payment reminder through a-mail ~~, ~ or text messages on your mo i le phone. -- ^~ ~ - • Print a paper copy of your sta ement anytime. (92009 Discover bank, Ahember FDIC Closing Date: October 9, 2003 page 2 of 3 Information For You Balance Transfer offer for current billing per od: Daily Periodic Rate: 0.000003'0; corresponding ANNUAL PERCENTAGE RATE: 0.00%. Rote is subject to the terms the offer including expiration. Simplify and Savel Use your Discover(R) C rd to pay off high-rate balances today. You can save money and consolidate your debt into one convenient payment. Ca I 1-800.767.7315 fo see if a Balance Transfer offer is available For you. No payments. No penalties. No problem. Discover(R) AccountGuard(R) gives you the ability to put your payments and periodic finance charges on hold if you lose your job, take a leave of absence, become disabled, hospitalized, get married, divorced, give birth, adopt a child, or move Call 1.877-883-1959 to enroll) * * * * * Your purchase of AccovntGuard is optional. Whether or not you purchase Acc unfGuard will not affect.your application For credit or the other terms of any existing credit agreement you have with us. Additional Disclosures. Wo will give you AccountGuard Terms and Conditions before you are required to pay. There are igibiliiy requirements, conditions, and exclusions that could prevent you from receiving benefits under AccountGuard. Yo should carefully read the AccountGuard Terms and Conditions for a Full explanation of the terms of AccountGuard. (dentity theft is the fastest growing crime in a U.S. (General Accounting Office, 1 /03). Enroll in optional ProfileProtect(R) and we will send you your credit report, mo itor your credit file For changes each business day, and send you Gluorterly Credit Updates -tools fo help protect yours f from identity theft. Call 1-877-737-1936 to enroll. Go paperless) Elect to stop receiving your iscover(R) Card statements by mail and receive them online only. You'll get an e-mail notification when your current Accou statement is available and a printable version of your statement for your records. Visit Discovercard.com to enroll. Do you know a current high school junior w o is an all-around achiever, beyond academics$ We want to know them tool To Find out more about the Discover(R) Card ribute Award(R) Scholarship Program, visit our website at Discovercard.com/tribute.htm. There are up to 460 scholarships available worth more than $1 million. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a antes Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $317.75 0.000009'0 0.00`Ye F 0.00% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $2940.00 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are pith fixed (F) or they may vary (V) as noted above. QUeSt10nS? Manage your acco nt at Discover.com or r-r,ll tl-Rnn-nl~~vFR tt_Rnn_~.t~_ ~R~t VISC,~:~~V tK ~ October 9, 203 I Account number ending in Oy'LJ page 3 of 3 Cashback Bonus ~' Award Summary Cashback Bonus Anniversa te: Janua 9 Balance Previous Cashback Bonus Awa d Balance $ 0.48 Purchase Award This Period + 0.00 0.70 nus Award Tota Cashback Bonus Award Balc Award Available to Redeem 1.18 0.00 Restrictions apply to fhe Cashback Bonus Pa~}ner offers visit Discovsr.com or call 1-800-DISCOVER (1.800.347-2683) for details. For program details, see fhe Cashback Bonus grogram Terms and Conditions. V~,L tV CK 09 SDSN6AOt 0002964 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 1707 -1458 $72.00 I Enter Amount Enclosed Be{ow Payment Due Date December 8, 2003 please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Address, a-mail or telephone change8 Print change in space above, or go to Discover.com. Print your e- ail 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.corrJpaperless. PD BOX 71084 Ill~rrllr~~llrrrl~lrr~rrlll CHARLOTTE NC 28272-1084 ~u~rl~~+lrnl~~lrr~lr~lrlurl~llut~nlu{nllu{nln~i~ull OOOOD19864585840322~68035949600300000007200 Discover Platinum Card Account number ending in 6925 Payment Due Data December 8, Minimum Payment Duo $72.00 Credit Limit $5,000.00 Credit Available $1,d05.00 Cash Credit Limit $2,500.00 Cash Credit Available $1,405.00 nt Summary Closing Date: November 9, 2003 page 1 of 2 Previous Balance $3,273.21 Payments And Credits - 300.00 Purchases + 621.75 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Char~ss + 0.00 New Balance _ = $3,594.96 You maybe able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Cashback Bonus® Anniversary Month: January Keep using your Discover(R) Card and wakl your Cashback Bonus(R) award growl Remember, once our Cashback Bonus award is at least ~20, you can redeem your award by calling us or by logging into the Account Censer of Discovercard.com. Opening Cashback Bonus Balance $ 1.18 New Cashback Bonus This Period + 1.55 Everywhere Else + 0.00 Cashback Bonus Balance $ 2.73 How Can We Help You? It's your choice - 3 ways to h Ip Please have your Discover Card available. For TDD (assistance for hearing impaired) se reverse side 1. Visit Diacover.com.to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2. Call 1-800.DISCOVER (347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Cord, PO Box 30943, Salt lake City, UT 84130 Transactions SO Fraud LI slily Guarantee Use your Discover Card with, confidence. Trans. Po s Date Da Payments and Crodits Oct 22 Oc t 22 PAYMENT -THANK YOU Merchandise/Retail Oct 8 Oc t 10 KAG* INFO.KAGLCOM 510.420.5.858 CA CHYAUHRSD170 Oct 14 Oc t 14 APPLE COMPUTER 800.676-2775 TX Oct 15 Oc t 15 REDLAND BEER/SODA OUTL ETTERS PA Oct 17 Oc t 17 REDLAND BEER/SODA OUTL ETTERS PA Oct 17 Oc t 17 RF PAGER CO. CAMP HILL PA Oct 23 Oc t 3 APPLE COMPUTER 800-676.2775 TX Oct 29 Oc t 9 COASTAL TOOL & SUPPLY W HARFORD CT Nov 5 No 5 REDLAND BEER/SODA OUTL ETTERS PA Gas/Automotive Oct 12 Ck t 12 EXXONMOBII P7H0160 LEMOYNE PA 180 965 581 2 Services Oct 28 Oc t 8 VERIZON INTERNET SOL 800.567.6789 TX Oct 28 Oc t 8 STORAGE DEPOT-WEST LEMOYNE PA Supermarkets Oct 1 1 Oc t 1 KARNS QUALITY FOOD NEW CUMBERLANPA Oct 1 1 Oc t 1 WETS MARKET # 125 CAMP HILL PA $ -300.00 24.95 - 99.95 23.20 23.20 63.49 136.74 45.00 23.28 10.02 29.95 58.30 41.54 8.23 Lock Your CD Rate Today{ Move fast to lock ~n your CD rate with Discover Bank's Fast, free and secure Electronic Deposit) It's the easy. safe wav to add funds to a mate inn ~isenvwr ('f) nr 6inrl ~ now r tl rl~ta~+l„ b~,., vn„~ 4.e.nb n~~n. v.1 \/:.:+ •e~r m-=av s_iu r1~.I\r ~, N tLA~ ~D15C, VER ~ ncwunr numoer enamg in oY~~ Get added security wi no paper trail , .. Make your account information m re secure with password-protected statements th t only you can access. • Access up to 24 months of do nloadable, Sign up today at printable statements. DiSCOV@I:COt1l~pajt7et'~e55 • See your statement as soon o it's available rather than wait for it to arriv in your mailbox. • Get helpful payment reminder through e-mail or text messages on your mob la phone. • Print a paper copy of your eta ement anytime. ' 032009 Utscwer bank, INember FDIC Closing Date: November 9, 2003 page 2 of 2 Supermarkets Oct 21 O 21 WEIS MARKET #125 CAMP HILL PA 17.06 Nov 5 N 5 WETS MARKET #125 CAMP HILL PA 16.84 ,Information For You Balance Transfer offer for current billing peri d: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms F the offer including expiration. No payments. No penalties. No problem. Discover(R) AccountGuard(R) gives you the ability to put your payments and periodic finance charges on hold if you lose your job, take a leave of absence, become disabled, hospitalized, get married divorced, give birth, adopt a child, or move , Call 1.877.883-1959 to enroll) * * * * * Your purchase of AccountGuard is optional. Whether or not you purchase Acc untGuard will not affect your application For credit or the other terms of any existing credit agreement you have with us. Additional Disclosures. We will give you AccountGuard Terms and Conditions before you are required to pay. There are igibility requirements, conditions, and exclusions that could prevent you From receiving benefits under AccountGuard. Yo should carefully read the AccountGuard Terms and Conditions For a full explanation of the terms of AccountGuard. Simplify and Save with three easy ways to tr nsfer balances to your Discover(R) Card. Call 1-800.767.7339 to see if a Balance Transfer offer is available for you, to Discovercard.com, or look for Balance Transfer checks in the mail. Through the efforts of our Cardmembers, Di over Financial Services has donated over $14 million to the Make-A-Wish Foundafion(R) to make dreams come true fo thousands of children with life-threatening medical conditions. To share the power of a wish(R) and donate your Cashb k Bonus(R) award, please visit Discovercard.com or www.wish.org. As a Discover(R) Cardmember, you can get ash quickly and easily -just about anytime, anywhere. To find the nearest cosh locations, select your P.I.N., or to order Disc ver Card Convenience Checks, call 1-800-DISCOVER (1-800.347-2683). And don't forget to visit vs at Discovercard.com here you can also search for cash locations nearest you. for a list of our great Cashback Bonus(R) Pa Hers, login to the Account Center at Discovercard.com or call us at 1-877-YOUR-AWARD (1.877-968-7292). Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CFL4RGES CHARGES current billing period: 31 days Purchases $880:62 Cash Advances $0 0.00000% 0.00% F 0.009'0 $0 $0 0.05751 % 20.999e F 20.999'0 $0 $0 Balance Transfers $2616.12 0.000009e 0.009e F 0.00% $0 $0 the rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. QUeStlonS? Manage your acco nt at Discover.com or ~„n >I_Ann_ntc~nvFQ tl_Rnn_a.l~_ hA71 VI. ,~r~ V CK 53,628.14 ~ $73.00 I Enter Amount Enclosed Below Payment Due Date January 8, 2004 please make check payable to Discover Platinui Card or pay online ~ Discovercard.com. 09 SDSN6AOt 0002965 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure wiih password- protected statements only you can access. NEW CUMBERLND PA 1707 - 1458 Learn more at discover.com/paperless. PO BOX 71084 Illeullnellnelslnnelll CHARLOTTE NC 28272-1084 >,ddress, a-mail or telephone changer Printc hange in space I~~I~~~e11~~~'~Ile1ele1l~li~ellll~~i~~~l`~I`~14~~Ir~I~~I~I~~I, shove, or go to Discover.com. Print your es ail address to eceive important Account information and s pecial offers. 000001986458584D32 680362814003D000D007300 Discover Platinum Card ccount Summary Closing Date: December 9, 2003 page 1 of 2 4ccount number ending in 6925 Previous Balance $3,594.96 'ayment Due Date January 8, 2 4 Payments And Credits - 300.00 ~Ainimum Payment Due $73.00 Purchases + 333.18 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $1,371.00 Balance Transfers + 0.00 Cash Credit Limit. $2,500.00 Fin_oncs Char ss - + 0.00 Cosh Credit Available $1,371.00 New Balance $3,62$.14 You may be able to avoid Periodic Finance Charges, see the reverse side For details. CCSII6GCIC Bot1US® Opening Cashback Bonus Balance $ 2.73 New Cashback Bonus This Period + 0.83 Everywhere Else + 0.00 Cashback BonusQ~ Anniversary.. Cashback Bonus Bglartce $ 3:56 Month: January Keep using your Discover(R) Card and wotc your Cashback Bonus(R) award growl Remember, once our Cashback Bonus ~ award is at least 20, you can redeem your award by calling us or by logging into the Account Center at Discovercord.com. How Can We Help You? 1. visit Discowr.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and mo It's your choice ' 3 Ways t0 h Ip 2• Call 1.8oaDISCOVER (347.2683) For Fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manage Far TDD (assistance For hearing impaired) s 3. Write us at Discover Cgrd, PO Box 30943, e reverse side Salt Lake City, UT 84130 Transactions $0 Fraud li bitity Guarantee Use your Discover Card with confidence. Trans. Po s Date Da Payments and Credits Nov 19 No 19 PAYMENT -THANK YOU $ -300.00 Merchandise/RetaR Nov 10 No 10 REDLAND BEER/SODA OUTL ETTERS PA 23.00 Nov 12 No 12 WESTY BEER DISTRIBUTOR CAMP HILL PA 18.27 Nov 17 No 17' REDLAND BEER/SODA OUTI ETTERS PA 23.70 Nov 19 No 19 REDLAND BEER/SODA OUTL ETTERS PA 19.44 Nov 22 No 22 REDLAND BEER/SODA OUTL ETTERS PA 23.00 Services Nov 25 No 25 STORAGE DEPOT-WEST LEMOYNE PA 56.30 Nov 28 No 28 VERIZON INTERNET SOL 800-567-6784 TX 30.d5 Warohouss dubs Nov 9 No 10 BJ'S # 0252540316751 HARRISBURG PA 137.02 Information For You Balance Transfer offer far current billing per i d: Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: 0.00,. Rate is subject to the terms o f a offer including expiration. Please note, the Traditional Cashback Bonu s ward is now called the Purchase Cashback Bonus award. ~"c,,~-„~;,°V ~~ I D~$CV~~ I Account number ending In o`/'LJ Get added security wi h no paper trail ;~_ Make your account information m re secure with I password-protected statements th t only you can access. • Access up to 24 months of do nloadoble, Sign up today at printable statements. ' Discover.com/paperless • See your statement as soon a it's available rather than wait for it to arriv in your mailbox. ~ • Gef helpful payment reminder ~4~ ,. through a-mail "k 's'-. or text messages on your mob le phone. • Print a paper copy of your sta ement anytime. t~2009 Discover Bonk, /vlember FDIC Closing Date: December 9, 2003 page 2 of 2 No payments. No penalties. No problem. Discover(R) AccountGuard(R) gives you the ability to put your payments and periodic Finance charges on hold if you lose your job, take a leave of absence, become disabled, hospitalized, get married divorced, give birth, adopt a child, or move , Ccll 1.877-883-1959 fo enroll) ***** Your purchase of AccounlGuard is optional. Whether or not you purchase Acc untGuard will not affect your application For credit or the other terms of any existing credit agreement you have with us. Additional Disclosures. We will give you AccountGuard Terms and Conditions before you are required to pay. There are ligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under AccountGuard. Yo should carefully read the AccountGuard Terms and Conditions for a Full explanation of the terms of AccountGuard. Simplify and Save with three easy ways to tr nsfer balances to your Discover(R) Card. Call 1-800.767.7339 to see if a Balance Transfer offer is available for you, o to Discovercard.com, or look for Balance Transfer checks in the mail. Through the efforts of our Cardmembers, Di over Financial Services has donated over $14 million to the Make-A-Wish Foundation(R) to make dreams come true fa thousands of children with life-threatening medical conditions. To share the power of a wish(R) and donate your Cash ck Bonus(R) award, please visit Discovercard.com or www.wish.org. As a Discover(R) Cardmember, you can get ash quickly and easily- just about anytime, anywhere. To~Find the nearest cash locations, select your P.I.N., or to order Dis vet Card Convenience Checks, call 1-800.DISCOVER (1-800.347.2683). And don't forget to visit us at Discovercard.com here you can also search For cash locations nearest you. For a list of our great Cashback Bonus(R) Pa nets, login to the Account Center at Discovercard.com or call us at 1-877-YOUR-AWARD (1.877-968-7292). Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES R S current billing period: 30 days Purchases $1358.94 Cash Advances $0 0.000009'° 0.0090 F 0.00% $0 $0 0.05751 % 20.99% F 20.993'° $0 $0 Balance Transfers $2290.00 0.000009'° 0.009'° F 0.009'° $0 $0 the rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. QUeStIOnS? Manage your acco nt at Discover.com or ,..,n ~_ann.ntcrrnicc ti_Rnn_~,t~_ ~GRQ1 VIJC.4:~V tK 09 SDSN6A010002966 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLHD PA 1707 -1458 $10.00 I Enter Amount Enclosed Below Payment Due Date February 8, 2004 please make check a able to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~~~r~~~~i~~s~r~~~~~~~s~~~ CHARLOTTE HC 28272-1084 Address, e-mail or telephone change$ Print change in space ~rr~~~~~~'~~~'~'I~iil~~~~~~ri'~~~~~~Iir~r~~~~~~~rl~r~~~'~I~~'I above, or go to Diseover.com. Print your ail address to receive important Account information and special offers. 000001986458584032 68003434403700000001000 Discover Platinum Card Account number ending in 6925 Payment Due Date February 8, Minimum Payment Due $10.00 Credit Limit $5,000.00 Credit Available $4,422.00 Cash Credit limit $2,500.00 Cash Credit Available $2,500.00 Summary Closing Date: January 9, 2004 page i of 2 Previous Balance $3,628.14 Payments And Credits - 3,700.00 Purchases + 415.30 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Char ems + 0.00 V__ New Balance _ _ $343.44 Yov may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 3.56 New Cashback Bonus This Period + l .84 Everywhere Else + 0.00 Cashback Bonus® Since Anniversary Mont Cashback Bonus Balance $ 5 40 January: $5.40 . Keep using your Discover(R} Card and watt h k d your Cas bac Bonus(R) awar growl Remember, once our Cashback Bonus ~ award is at least 20, you can redeem you award by calling us or by logging into the Account Center of Discovercard.com. How Can We Hel You? P 1 • Visit Discovr.com to pay your bbl for no cost, view your l t t A t i ti d d d d f ~trS yOUC CltOlte ' 3 WGyS FO I7 Ip a ccoun n orma on, cam an re eem rewar s an more es 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 30443, For TDD (assistance for hearing impaired} s reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Li biliry Guarantee Use your Discover Card with confidence. ; Trans. Po Date Da Payments and Credits Dec 20 De 20 PAYMENT -THANK YOU $ -3,700.00 Merchandise/Retail Dec 12 De 12 AMAZON.COM *SUPERSTOR AMAZON.COM WA 13.47 36677025794709 Dec 15 De 15 REDLAND BEER/SODA OUTL ETTERS PA 23.50 Dec 15 De 15 AMAZON.COM *SUPERSTOR AMAZON.COM WA 17.47 88737555737773 Dec l9 De 19 WESTY BEER DISTRIBUTOR CAMP HILL PA 15.21 Dec 25 De 25 (TUNES MUSIC STORE 866-712-7753 TX 17.82 Dec 29 De 29 REDLAND BEER/SODA OUTL ETTERS PA 16.39 Dec 31 De 31 REDLAND BEER/SODA OUTL ETTERS PA 15.89 Jan 5 Ja n REDLAND BEER/SODA OUTL ETTERS PA 23.00 Jan b Ja n WESTY BEER DISTRIBUTOR CAMP HILL PA 16.27 Services Dec 27 De c 27 STORAGE DEPOT-WEST LEMOYNE PA 61.48 Dec 28 De c 28 VERIZON INTERNET SOL 800.567.6784 TX 34.95 Supermarkets Dec 18 De c 18 KARNS QUALITY FOOD NEW CUMBERLANPA 63.40 Warohouss dubs Dec 19 De c 19 BJ'S # 0252540316751 HARRISBURG PA 95.95 lock Your CD Rate Today) Move fast to lock) in your CD rate with Discover Bank's fast, free and secure Electronic Deposit) It's the easv. safe wav to add funds +o a mnti rinn niscnvwr rn nr Et inrl n nqw l'tl rlirarfh. rrnm ...,~~. Mnb ..~~.....+t vc~:r '~a~`""'"~~ ~~ I DISC~YER' ~ N,ccounr numoer enamg rn ovco Get added security wi , no paper trail -~_~- _ , . Make your account information m re secure with . password-protected statements th t only you can access. • Access up to 24 months of do nloadable, ', Sign up today at printable statements. j Discovercom/paperl8ss • See your statement as soon a it's available rather than wait for it to arriv in your mailbox. • Get helpful payment reminder through e-mail °, j or text messages on your mo ile phone. ~ ,,. • Print a paper copy of your sta ement anytime. tfl2009 Uixover Bank, Member FDIC Closing Date: January 9, 2004 page 2 of 2 Information For You Please note, the Traditional Cashback Bonu award is now called the Purchase Cashback Bonus award. Balance Transfer offer for current billing per od: Daily Periodic Rate: 0.000009e; corresponding ANNUAL PERCENTAGE RATE: 0.003'0. Rate is subject to the terms the offer including expiration. No payments. No penalties. No problem. Discover(RJ AccountGuard(R) gives you the ability to put your payments and periodic finance charges on hold iF you lose your job, fake a leave of obsence, become disabled, hospitalized get married divorced, give birth, adopt a child, or move , , Call 1-877-883-1959 to enroll) * * * * * Your purchase of AccountGuard is optional. Whether or not you purchase Acc untGuard will not affect your application for credit or the other terms of any existing credit agreement you have with us. Additional Disclosures. Wa will give you AccountGuard Terms and Conditions before you are required to pay. There are ligibility requirements, conditions, and exclusions that could prevent you From receiving benefits under AccountGuard. Yo should carefully read the AccouniGuar~f Terms and Conditions for a full explanotion of the terms of AccountGuard. Simplify and Save with three easy ways to tr nsFer balances to your Discover(R) Card. Call 1-800.767-7339 to sea iF a Balance Transfer offer is available For you, o to Discovercard.com, or look for Balance Transfer checks in the mail. Through the efforts of our Cardmembers, Di over Financial Services has donated over $14 million to the Make-A-Wish Foundation(R) to make dreams come true fo thousands of children with life-threatening medical conditions. To share the power of a wish(R) and donate your Cashb k Bonus(R) award, please visit Discovercard.com or www.wish.org. As a Discover(R) Cardmember, you can get ash quickly and easily -just about anytime, anywhere. To Find the nearest cash locations, select your P.I.N., or to order Disc ' ver Card Convenience Checks, call 1.800.DISCOVER (1-800.347-2683). And don t forget to visit us at Discovercard.com here you can also search for cash locations nearest you. Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances current billing period: 31 days Rates RATES RATES CHARGES CHARGES Purchases $460.68 Cash Advances $0 0.000009'0, 0.00% F 0.00% $0 $0 0.057519'0 20.9990 F 20.999e $0 $0 Balance Transfers $709.67 0.00000% 0.009e F 0.00% $0 $0 the rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. QU@St10nS? Manage your acco nt at Distover.com or -all 1-RAA-nIS['AVFR f 1 _R(1(1_'ld7_ hR'~I i ~~`J(r~;m~1V tK S980.92 09 SDSN6AOt0002967 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 1707 -1458 $20.00 , Enter Amount Enclosed Below Payment Due Date $ March 8, 2004 Please make check pa able to Discover Platinum Cord or pay online ~ ~iscovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Illnrllnsllrnlrlnurlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print hangs in space ~~~~~{{~~{riil~(~~~i{~r~~~~i~l~{lii~l~~l~~{ii~{i~{i~{ii~~{ir{~ above, or go fo Discover.com. Print your e- ail address to receive important Account information and pecial offers. 0000019864585840322680098092D0343440002000 Discover Platinum Card Account number ending in 6925 Payment Due Date March 8, Minimum Payment Due $20.00 Credit Limit $5,000.00 Credit Available $4,019.00 Cash Credit Limit $2,500.00 Cash Credit Available $2,500.00 Summary Closing Date: February 9, 2004 pogo 1 of 3 Previous Balance $343.44 Payments And Credits - 343.44 Purchases + 980.92 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charles + 0.00 New Balance _ _ $980.92 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ccshback Bonuse Opening Cashback Bonus Balance $ 5.40 New Cashback Bonus This Period + 2.45 Everywhere Else + 0.00 Cashback Bonuses Anniversary Cashbgi:k Bonus Balance $ 7.85 Month: January How Can We Help You? 1 • Visit Discover.com to poy yow bill for no cost, view our latest Account information, earn and redeem rewards and more s to h It's our choice - 3 wa I 2. Call 1-800.DISCOVER (347-2683) For Fast, easy selFservice y y p options or to speak with a Customer Service Account Manager Please have your Discover Card availoble. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) s reverse side Salt Lake City, U7 84130 TI'a11SaCtIO11S $0 Fraud u bility Guarantee Use your Discover Card with confidence. Trans. Po s Date Da Payments and Crodits Jan 22 Jan 22 PAYMENT • THANK YOU $ -343.44 Merchandise/Retail tan 8 Jan 10 WESTY BEER DISTRIBUTOR CAMP HILL PA 16.27 Jan 9 Jan 10 REDLAND BEER/SODA OUTL ETTERS PA 16.39 Jan 12 Jan 12 REDLAND BEER/SODA OUTL ETTERS PA 16.39 Jan 14 Jan 14 REDLAND BEER/SODA OUTL ETTERS PA 15.89 Jan 20 Jan 20 WESTY BEER DISTRIBUTOR CAMP HILL PA 16.27 Jan 21 Jan 21 REDLAND BEER/SODA OUTL ETTERS PA 21.84 Jan 2d Jan 24 APPLE COMPUTER 800.676-2775 TX 29.99 -Jan 24 Jan 24 REDLAND BEER/SODA OUTL ETTERS PA 2.04 Jan 24 tan 4 REDLAND BEER/SODA OUTL ETTERS PA 18.40 Feb 2 Fe b 2 STAPLES #643 MECHANICSBURGPA 218.34 Feb 7 Fe b 7 WESTY BEER DlSTR18UTOR CAMP HILL PA 16.27 Gaa/Automotive Jan 12 Jan 12 EXXONMOBIL P7H0400 LEMOYNE PA 34.30 180 965 581 2 tan 29 Jo n 9 BJS FUEL #9025 WOX HARRISBURG PA 30.09 Services Jan 27 !a n 7 STORAGE DEPOT•WEST LEMOYNE PA 61.48 Jan 28 Ja n 8 VERIZON INTERNET SOL 800.567-6789 TX 34.95 Supermarksta tan 23 Ja n 3 KARNS QUALITY FOOD NEW CUMBERLANPA 25.23 Feb 7 Fe b 7 WETS MARKET #125 CAMP HILL PA 17.37 Warehouse Clubs Jan 8 Ja n 0 BJ'S # 0252540316751 HARRISBURG PA 218.47 Feb 7 Fe b 7 BJ'S # 0252540316751 HARRISBURG PA 170.94 Get organized with paperless statements. S b l t t M receiving your Discover(R) Card statement exclusively online) No more ~ worries a out octr ec a uMnr Insf StllfeM enta n nn atAl rln nut Ynn ll naf nn amnil wl+an unur n~rran# al~amnn4 ie nun ilnl~is ~~~ ,, Get added security wi no paper trail ;~- Make your account information m re secure with '' password-protected statements th t only you can access. • Access up to 24 months of do nloadable, ; `. Sign up today at printable statements. ~, Discovercom/pcperless ;, ' • See your statement as soon o i t s available rather than wait for it to arriv in your mailbox. j • Get helpful payment reminder through e-mail _~~:,, or text messages on your mob l e phone. • Print a paper copy of your sta e ment anytime. ©2009 Discover Qank, FA°mber FDIC Closing Date: February 9, 2004 page 2 of 3 Information For You Please note, the Traditional Cashback Bonu award is now called the Purchase Cashback Bonus award. Simplify and save with three easy ways to tr nsFer balances to your Discover(R) Card. Call 1.877-353.0989 to see if a Balance Transfer offer is available for you, o to Discovercard.com or look for Balance Transfer checks in the mail. Lock Your CD Rate Todayl Move fast to lac your Certificate of Deposit interest rate with Discover(R) Bank's East, free and secure CD Electronic Deposit) It's the easy, ate way to add funds to a maturing Discover CD or Fund a new CD directly from your bank account. Just call 1.800-34 •7000 and mention code: SC0204PC. Member FDIC. FREE Additional Cards allow you to share y ur credit line without sharing your card! Request FREE Additional Cards for your spouse, kids, or anyone close to you. ou'll get a lot more out of your credit line) Just call 1.800.347.5537 or visit Discovercard.com today. The Account Center at Discovercard.com m kes 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 Free) Log in to the Account Center at Discovercard.com and enjoy the benefits of asy access to your Account...anytime! Discover(R) Financial Services is proud to su port Communities In Schools (CIS), the nation's leading community based organization that helps kids succeed in sch I and prepare for life. By donating your Cashback Bonus(R) award to CIS, you can help make a difference in the lives of yo ng people. To learn more, please visit Discovercard.com. Finance Charge Summa Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lances Rates RATES RATES CHARGES CHARGES currant billing period: 31 days Purchases $0 0.036279'° 13.249a V 13.24% $0 $0 Cash Advances $0 0.057519'° 20.99% F 20.99% $0 $0 previous billing period: 31 days Purchases $0 0.00000% 0.00% F 0,009'0 $0 twos The rates that apply to your Account are eit h r fixed (F) or they may vary (V)as noted above. QUeStlonS? Manage your acco nt at Discover.com or ~nll ~_Rnn-nl~rnvFR tl_Rnn_~.i~_ ~,uZl V~JL~'~'~V C~ Februa v9, 2004 Account number ending in 6925 page 3 of 3 Cashback Bonus Award Summary Cashback Bonus Anniversa ate: Janua 9 Balance Previous Cashback Bonus Awa d Balance $ 5.40 Purchase Award This Period + 0.00 2.45 0.00 Cas ac Bonus Awar Tota 7 85 Cashback Bonus Award Balan 7.85 Award Available to Redeem $ 0.00 Restrictions apply to thQ Cashback Bonus Pa~l'r?er offers visit Discowr.com or ca{I 1-800-DISCOVER (1-800.347-2683) for details. For program details, see the Cashbc~)ckk Bonus program Terms and Conuitions. ~I„~'v ~~ $794.14 ' $I 16.00 Enter Amount Enclosed Below Pa-ym_ent Due Date Apri18, 2004 please make check payyable to Discover Plafir Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002968 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- NEW CUMBERLND PA 1707 protected statements only you can access. -1458 Learn more at discover.comlpaperless. PD BDX 71084 ~~~rrr~~ur~~ur~r~nur~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print above, or go to Discover.com. Print your e- hangs in space I~~I~~I~~'~~~I~II~~~I~~I~I11~I'II~I~~„I11'11~I"I„I~1I1I11II ail address to receive important Account information and pecial offers. OOD0019864585840322 6800794140050D0000016DD Discover Platinum Card ccount Summary Closing Date: March 9, 2004 page 1 of 2 Account number ending in 6925 Previous Balance $980 92 Payment Due Date April 8, 2004 . Payments And Credits - 500 00 Minimum Payment Due $16.00 . Purchases + 299 47 Credit limit $5,000.00 . Cash Advances + 0 00 Credit Available $4,205.00 . Balance Transfers + 0 00 Cash Credit Limit $2,500.00 . Finance Charles + 13 75 Cash Credit Available $2,500.00 . New Balance $794.14 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 7.85 New Cashback Bonus This Period + 0.75 Everywhere Else + p,00 Cashback Bonus®Anniversary Month: January Cashback Bonus $alance $ -8.60 Keep using your Discover(R) Card and watc your Cashback Bonus(R) award growl Remember, once your Cashback Bonus award is of least y20, you can redeem you award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel You? P 1 • Visit Diacover.com to pay your bill for no cost, view our latest Account information earn and redeem rewards and mo ~fr5 YOUr CI1O1Ce - 3 Wgys tO h , Ip 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 Manage For TDD (assistance for hearing impaired) s e reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po Date Da Paymsnta and Credits Feb 19 Fe 19 PAYMENT -THANK YOU $ _500 00 Merchandi:e/Reta~ .Feb 25 Fe 25 WESTY BEER DISTRIBUTOR CAMP HILL PA 16 27 Feb 27 Fe . 27 REDLAND BEER/SODA OUTL ETTERS PA 19 94 Feb 27 Fe . 27 SI *SMITHSONIAN MAII O 800.322.0344 TX 62 15 Mar 3 Ma . 3 REDLAND BEER/SODA OUTL ETTERS PA 16 39 Mar 6 Ma . 6 REDLAND BEER/SODA OUTL ETTERS PA 24.49 Gas/Automotive Feb 27 Fe 27 BJS FUEL #9025 WOX HARRISBURG PA 20.06 Services Feb 27 Feb 27 STORAGE DEPOT-WEST LEMOYNE PA 61 48 Feb 28 Feb . 28 VERIZON INTERNET SOL 800.567.6789 TX 34.95 Supermarkets Feb 27 Feb 27 WETS MARKETS #125 CAMP HILL PA 28 95 Feb 28 Feb . 28 WETS MARKETS #125 CAMP HILL PA 14.79 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. CAII FOR EXCITING NEW BALANCE TRA SFER RATESI Save money and simplify your life by consolidating your debt Call 1-877.353-0985 today to see iF an offs . is available for voul um 'J~rrV tK ( DISCOVER' ~ Account number ending in 6925 Get added security wi h no paper trail Make your account information m re secure with password-protected statements th t only you can access. • Access up to 24 months of do ' nloadable 'Sign up today at ~ printable statements. ~` Discovercom/paperless • See your statement as soon a it's avoiloble rather than wait for if to arriv in your mailbox. • Get helpful payment reminder through e-mail ~~ s'.. or text messages on your mo , ile phone. --- 4.` " Print a paper copy of your st °~~! tement anytime. x'2009 Discover [tank, Member FDIC Closing Date: March 9, 2004 page 2 of 2 Balance Transfer offer For current billing pe od: Daily Periodic Rafe: 0.000009'0; corresponding ANNUAL PERCENTAGE RATE: 0.00%. Rate is subject to the terms f the offer including expiration. Did you know that millions of credit cards a e lost or stolen every year$ The Register(R) safeguards all your credit, debit and ATM cards for less than five cents a day. II 1-800.347-3395 to enroll in our 3-year $45 Deluxe Service. 709'° of credit reports contain at least one istake (Consumer Reports, January 2001). Enroll in optional ProFileProtect(R), and we will send your credit report, monito your credit file For changes every business day, and send you Glvarterly Credit Updates -tools to help protect yourself Fro identity theft. Call 1-877-737-1936 to enroll. for a list of our great Cashback Bonus(R) P rtners, 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 iscover(R) Card statements by mail and receive them exclusively online. You'll get an email notification when your statem nt is available online and a printable version of your statement for your records. Visit the Account Center at Discovercard.co to enroll. finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $759.65 Cash Advances $0 0.03627% 13.249'° V 13.249'° $7.99 $0 0.057519'° 20.99% F 20.999'° $0 $0 previous billing period: 31 days Purchases $512.11 0.036279'° 13.249'° V 13.24% $5.76 none The rates that apply to your Account are ei r Fixed (Fj or they may vary (V) as noted above. QueStlOnS? Manage your acc unt at Discover.com or •.,II t_ann_ntcrnvcu tt ann vex ,coa: VIJC.VtK s791 09 SDSN6A01 0002969 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA _1707 -1458 $16.00 Enter Amount Enclosed Below Payment Due Date May 8, 2004 please make check payyable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure wdh password- protected statements only you can access. Leam more at discover.com/paperless.~ PO BOX 71084 ~~~rrr~~irr~~rri~i~~~rrr~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change6 Print change in space I~~~~II~~I~~~I~~I~~~I~~I~I~~~IIII111I~~I~~I~~"~II~~I~~I~I~~'I above, or go to Discover.com. Print your e- ail address to receive important Account information and special offers. 000001986458584032 680079173005000000x1600 Discover Platinum Card Account number ending in 6925 Payment Due Date May 8, 2004 Minimum Payment Due $15.00 Credit Limit $5,000.00 Credit Available $4,208.00 Cash Credit Limit $2,500.00 Cash Credit Available $2,500.00 Summary Closing pate: April 9, 2004 page 1 of 2 Previous Balance $794.14 Payments And Credits 500,00 Purchases + 488.86 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 8.73 _ New Balance __ = $791.73 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 8.60 New Cashback Bonus This Period + 1.89 Everywhere Else + 0,00 Cashback Bonus®Since Anniversary Mont January: $5.09 Cashback Bonus Balance $ 10.49 Keep using your Discover(R) Card and watc your Cashback Bonus(R) award growl Remember, once yyour Cashback Bonus award is of least $20, you can redeem you award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel YOU? P 1 • Visit Discowr.eom to pay your bill for no cost, view your l ' atest Account information, earn and redeem rewa rds and more It s your choice - 3 Ways t0 h ~p 2• Call 1-800-DISCOVER (347-2683) For fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) s e reverse side 3' Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions SO Fraud LF bilfty Guarantee Use your Discover Card with confidence. Trans. Po Date Da Payments and Crodits Mar 19 M r 19 PAYMENT -THANK YOU $ -500.00 Merchandise/Retafi Mar 8 M r 10 REDLAND BEER/SODA OUTL ETTERS PA 24 49 Mar 9 M r 10 WESTY BEER DISTRIBUTOR CAMP HILL PA . 16 27 Mar 15 M r 15 REDLAND BEER/SODA OUTL ETTERS PA , 24.49 Mar 18 M r 18 REDIAND BEER/SODA OUTL ETTERS PA 16 39 Mar 22 M 22 REDLAND BEER/SODA OUTL ETTERS PA . 24 49 Mar 25 M 25 REDLAND BEER/SODA OUTL ETTERS PA . 24.49 Apr 7 Ap 7 WESTY BEER DISTRIBUTOR CAMP HILL PA 16.80 Services Mar 27 Ma 27 STORAGE DEPOT-WEST LEMOYNE PA 61 48 Mar 30 Ma 30 VERIZON INTERNET SOL 800.567.6789 TX . 34.95 Supermarkets Mar 26 Ma 26 WETS MARKETS #125 CAMP HILL PA 23.94 Mar 29 Ma 29 KARNS QUALITY FOOD NEW CUMBERLANPA 47,96 Warshoua dubs Mar 14 Ma 14 BJ'S # 0252540316751 HARRISBURG PA 158 16 Mar 15 Ma 15 BJ'S # 02525403 1 675 1 HARRISBURG PA . 34.95 As a Discover(R) Cardmember, you can locations. select your P.I.N.. or to order quickly and easily -just about anytime, anywhere. To find the neorest cash Card Cash Access Cheeks. call 1-800-DISCnVFR f1.A00-3d7.9hA31 Anrl V ~~,LV CK p~SC a~, v~e I Account number ending in 6925 Get added security wi h no paper trail :;, ~,, . , Make your account information m re secure with password-protected statements th t only you can access. • Access up to 24 months of do nloadable, Sign up today at printable statements. ~ ` {71SCOVIEGCOil~pppBC~eSS • See your statement as soon a it's available i rather than wait for it fo arriv in your mailbox. • Get helpful payment reminder through a-mail ~ ~ ~ .a .~' r~ or text messages on your mo ile phone. --r,' ~ '~,` • Print a paper copy of your sta tement anytime, ~ X2009 Discover Bank, Member FDIC Closing Date: April 9, 2004 page 2 of 2 Information For You Please note, the Traditional Cashback Bonu award is now called the Purchase Cashback Bonus award. Balance Transfer offer For current billing per od: Daily Periodic Rafe: 0.000003'0; corresponding ANNUAL PERCENTAGE RATE: 0.00%. Rate is subject to the terms f the offer including expiration. FREE Additional Cards allow you to share ur credit line without sharing your card! Request FREE Additional Cards For your spouse, college student, or anyone clo a to you. You'll get a lot more out of your credit line) Just toll 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. GIFT SHOPPING MADE EASY. Discover(R) GiFF Cards simplify gik giving for Spring holidays and events. Order now at DiscovergiRcard.com. See terms and condi ions for gik card purchases. fees apply. Offer not valid to residents of CT DC MA, ME and NH. , , Lock Your CD Rate Todayl Move Fast to lac your Certificate of Deposit interest rate with Discover(R) Bank's fast Free and secure CD Elecfronic Deposit) It's the easy, , afe way to fund a new CD or add funds to a maturing Discover CD directly from your bank account. Just call 1-800-34 -7000 and mention code: SC0404PC. Member FDIC. Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $776.03 Cash Advances $0 0.03627% 13.24% V 13.243e $8.73 $0 0.05751 % 20.999'o F 20.993e $0 $0 The rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. QUeSt10nS? Manage your act unt at Discover.com or rnll 1_flnn.nlcrnVFR tt_Rnn_~~I~_ aQZi ~~,~f~~~V ~~ $3,584.62 $72.00 Enter Amount Enclosed Below Payment Due Date June 8, 2004 please make check paYable to Discover Platinum Card or pay online 6~ Discovercard.com. 09 5DSN6AOt0002970 ' KEEFER, RICHARD G Infopmationmoresecureywithpassword- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070-1458 Learn more at discover.com/paperless. ~! PO BOX 71084 ~~~ur~~m~~nr~s~nnr~~~ ' CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print hangs in space ~~~I~II~~I~~~I~II~~~I~~I~I„~IIII~~~I„I'tl~~'I11I'~I11~1I'~II above; or go to Discover.com. Print your e- ail address to receive important Account information and pec ial offers. 0000019864585840322~68035846200500000007200 Discover Platinum Card /~ccount Summary ', Closing Date: May 9, 2004 page 1 of 3 Account number ending in 6925 ' Previous Balance $791.73 Payment Due Date June 8, 2004 ' Payments And Credits - 500.00 Minimum Payment Due $72.00 Purchases + 235 95 Credit Limit $5,000.00 . Cash Advances + 0 00 Credit Available $1,415.00 ', , Balance Transfers + 3 000.00 Cash Credit Limit $2,500.00 , Finance Charges + 56.94 Cash Credit Available $1,415.00 ' New Balance = $3,584.62 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CCIShhQCIC Bcnus® Opening Cashback Bonus Balance $ 10.49 New Cashback Bonus This Period + 1.18 Everywhere Else + 0 00 Cashback Bonus® Since Anniversary Montl{ . January: $6.271, I Cashback Bonus Balance $ 11.67 How Can We Hel You? I, {~ 1 • Visit Discover.com to pay your bill for no cost, view our latest Account information earn and redeem rewards and more ~t'S your choice ' 3 Ways tO h ip , 2. Call 1-800-DISCOVER (347-2683) for Fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD assistance For hearin Pa ) ( g im fired s 3• Write us at Discover Cord, PO Box 30943, e reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po t Daro Da Payments and Credits Apr 21 Ap 21 PAYMENT -THANK YOU $ -500.00 MerchandiseJRetail Apr 10 Ap 10 REDLAND BEER/SODA OUTL ETTERS PA 22 39 Apr 12 Ap 12 . WESTY BEER DISTRIBUTOR CAMP HILL PA 16 80 Apr 13 Ap 13 . REDLAND BEER/SODA OUTL ETTERS PA 23 49 Apr 25 Ap 25 . APPLE COMPUTER 800.676-2775 TX 104.94 Services Apr 28 Ap 28 VERIZON INTERNET SOL 800.567-6789 TX 34.95 Balance Transfers Apr 20 Ap 20 BALANCE TRANSFER CHECK 0329 3,000.00 Apr 20 Ap 20 BAL TRANS TRANSACTION FEE FINANCE CHARGE 50.00 APR 0.009'a EXPIRES 08/2004 Supermarkets Apr 8 Ap 10 WETS MARKETS #125 CAMP Hlll PA 33.38 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. Identity theft complaints to the FTC increased~33%; from 161,836 complaints in 2002 to 214,905 in 2003 (Federal Trade Commission, Jan. 2004). Enroll in optional rofileProtect(R) & we will send you a copy of your credit report & monitor your credit file every business day -tools to help rotect you from ID thek. Call 1.866-708-0672 to enroll. Did you know that millions of credit cards ar lost or stolen every year$ The Register(R) safeguards all your credit, debit and ATM cards for less than 5 cents a day. Call 1-800-347-3395 For more details. Build your Cashback Bonus(R~award with and Internet service and heal clubs: you y bill you pay automatically with your Discover(R) Card. Cell phone, cable oav so many recurring bills with your Discover Card. Whet a smart. eesv wav ~~~~, v' V `K p'S~. `V~R .Account number ending in 6925 Get added security wi h no paper trail -, -- Make your account information m re secure with password-protected statements th i t only you can access. I' • Access up to 24 months of do !' Sign up today al nloadoble, printable statements. ~' Discovercom/pcperless • See your statement as soon a it's available ~~ rather than wait for it to orriv in your mailbox. • Get helpful payment reminder through a-mail ~ ~ ~. or text messages on your mob , le phone. --,-.m.. ~~~~'~w ~~r • Print a paper copy of your sta ement anytime. 192009 Dixover Bank, Member FDIC Closing Date: May 9, 2004 page 2 of 3 Keep Up with Your Account from anywhere Whether you're at home, at work, or away on vacation -your Discover(R) Card ACCOOnt is easily accessible online. C eck your statement. Pay your bill. Redeem your Cashback Bonus(R) award. Contact Customer Service. It's quick, easy, nd secure. Visit the Account Center at Discovercard.com today. FREE Additional Cards allow you to share y ur credit line without sharing your card) Request FREE Additional Cards for your spouse, college student, or anyone clo a to you. You'll get a lot more out of your credit line) Just call 1-800-347-5537 or visit Discovercard.com today. Call 1-800.767-7319 today or visit Discove card.com to find out if you qualify For a valuable Balance Transfer oFFer It's a Fast and easy way to save money) . Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE .PERCENTAGE F IN FINA NC E ances C ~ ~ Rates RATES RATES ~GES current billing period: 30 days - Purchases $637.87 Cash Advances $0 0.036279'0 13.243'0 V 13.24% $6.94 $0 0.05751 % 20.999'0 F 20.949'0 $0 $0 Balance Transfers $2033.33 0.00000% 0.009'o F 19.999'0 $0 $50.00 The rates that apply to your Account are eith r Fixed (F) or they may vary NJ as noted above. QUeSt10fIS? Manage your acc nt at Discover.com or ~,.u ~.renn_nicrn~icu ttann ~~~ ~.p~t V~J`.~~~V CK ~ May 9, 2004 Account number ending in bYLJ page 3 of 3 Cashback Bonus ~ Award Summary Cashback Bonus Anniversa ate: Janus 9 Balance Previous Cashback Bonus Awa d Balance $ 10.49 Purchase Award This Period + 0.00 1.18 Cashback Bonus Awar Total 1 1.67 Cashback Bonus Award Balanc ~ 1.67 Award Available to Redeem $ 0.00 Restrictions apply to the Cashback Bonus Pat er offers visit Discowr.com or calf 1.800-DISCOVER (1-800.347.2683) for details. For program details, see the Cashbcc~)ck Bonus program Terms and Conditions. i~I,C.;~N tlt 09 SDSN6A01 0002971 $3,328.14 $67.00 Enter Amount Enclosed Below Payment Dve Date ~ 1 - July 8, 2004 please make check payable to Discover Platinum Card or pay online (~ Discovercard.com. KEEPER, RICHARD G ~o papeness ana mane ywr accvuni information more secure with password- 1718 LOCUST ST pprotected statements only you can access. NEW CUMBERLNO PA 1707 - 1458 Leam more at discover.com/paperless. PO BOX 71084 Illuelluelleulelnnelll CHARLOTTE NC 28272-1084 lddress, email or telephone ehange$ Print c hange in space. (e1lelle1lte1lel~e1`le1lel`e1l~~~e1rle1,e1~e1~le1le1~e1lele1l~ above, or go to Discover.com. Print your a ai{ address to eceive important Account information and s pecial offers. 00000198645858403226 8033281400300000006700 Discover Platinum Card ccount Summary Closing Date: June 9, 2004 page 1 of 2 4ccount number ending in 6925 Previous Balance $3,584.62 payment Due Data July 8, '2004 Payments And Credits 300.00 Minimum Payment Due $67.00 Purchases + 37.29 ~redit Limit $5,000.00 I Cash Advances + 0.00 ~reditAvailable $1,671.00 I Balance Transfers + 0.00 ash Credit limit $2,500.00 C Finnncs Char~ss + 6.23 I ash Credit Available $1,671.00 ___ New Balance $3,328.14 You may be able to avoid Periodic Finance Charges, see the i reverse side for details. ® Cash ack B nu 11 O S O enin Cashback Bonus Balance $ 11.67 I New Cashback Bonus This Period + 0.19 Everywhere Else + 0.00 Cashback. Bonuses Since Anniversary Mont Cashback Bonus Balance $ 11.86 January: $6.46 Keep using your Discover(R) Card and watc your Cashback Bonus(R) award growl hb k b p Remem er, once your Cas ac Bonus award is at least 520, you can redeem you d b ll h b b awar ing us or gging into t y ca y e 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 mo It's your choice - 3 ways to h Ip 2. Call 1-800.DISCOVER (347.2683) for Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manage For TDD (assistance For hearing impaired) s 3. Write us at Discover Card, PO Box 30943, reverse side Salt Lake City, UT 84130 Transactions $0 fraud LI bility Guarantee Use your Discover Card with confidence. Trans. Po s Date Da Payments and Crodits May 21 Ma 21 PAYMENT • THANK YOU $ •300.00 Services May 28 Ma 28 VERIZON INTERNET SOL 800.567-6789 TX 37.29 Information For You Please note, the Traditional Cashback Bonu s award is now called the Purchase Cashback Bonus award. Balance Transfer offer For current billing per i d: Daily Periodic Rate: 0.007953'0; corresponding ANNUAL PERCENTAGE RATE: 2.90%. Rate is subject to the terms o f the offer including expiration. Call 1.877.353-0985 today or visit Discove ard.com to Find out if you qualify for a valuable Balance Transfer offer. It's a fast and easy way to save money) Did you know that millions of credit cards a r lost or stolen every year6 Enjoy peace of mind by knowing The Ree~isfer(R) service is here to help van shrndrl vnu wvnr I n a vnnr ~rgriie riotiif nn'I ~TAA ~n~.J. f all 1 _FirX14.17.490F i......... ~...1.... Flal.'V CK ~ DISC VER' ~ rrccounr numoer enamg In onto Get added security wi no paper trail Make your account information m re secure with password-protected statements th t only you can access. ~"~ r • Access up to 24 months ofd nloadable, Sign up today at printable statements. '`° DiscovercomJpaperless • See your statement as soon a it's available rather than wait for it io arriv in your mailbox. j • Get helpful payment reminds through a-mail ,,. or text messages on your mo ile phone. -- w~F • Print a paper copy of your st ~ Cement anytime. "' c92009 Dixwer Bonk, Member FDIC Closing Date: June 9, 2004 page 2 of 2 Congratulations to the 2004 National Disc ver(R) Card Tribute Award(R) Scholarship winners: April Alvarez, Vladimir Dubovskiy, Ji Guo, Jamie Hargrove, Kristin Henderson, Yuji Huang, Jessica Mann, Brian Monahan and Holly Walker. Each won $27,500 for post high-school ed cation or training. Visit Discovercard.com/tribute.htm to learn more. Save 109'e with Discover(R) Card at Comfo Inn(R), Comfort Suites(R), Quality(R), Sleep Inn(Rj, Clarion(R), Mainstay Suites(R), Econo Lodge(R) and Rodeway Inn(R) by 12 31 /04. Call 800-4CHOICE and use 00801242 or click the Special Rate link at choicehotels.com. Restrictions apply. C Hoot combine with other offers. Advance reservations required. Identity theft complaints to the FTC increas 339'°; from 161,836 complaints in 2002 to ~ 14,905 in 2003 (Federal Trade Commission, Jan. 2004). Enroll in optional ProFileProtect(R) & we will send you a copy of your credit report & monitor your credit file every business day -tools to help protect you from ID then. Call 1-866-708-0672 to enroll. Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $553.21 Cash Advances $0 0.03627% 13.24% V 13.249'° $6.23 $0 0.05751 % 20.99% F 20.999'° $0 $0 Balance Transfers $2856.44 0.000009'° 0.00% F 0.009e $0 $0 the rates that apply to your Account are sit r fixed (F) or they may vary (V) as noted above. QUeStlonS? Manage your acc unt at Discover.com or ~r,u i.a~n.nl~~vFR tl_Rnn_~~I~_ hR~l V~~ '"w~,;~v CK 53,296.9 ` 566.00 I Enter Amount Enclosed Below Payment Due Dote August 8, 2004 please make check ppayable to Discover Platinur Card or pay online ~7 Discovercard.com. 09 SDSN6A010002972 KEEPER RICHARD G Go paperless and make your account , information more secure wdh password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 1707 - 1458 Learn more at discover.comlpaperless. PO BOX 71084 ~~tr~s~~irr~~i~s~i~irirr~{~ CHARLOTTE NC 28272-1084 \ddress, e-mail or telephone change8 Print c hange in space ~~~~~~~~r~~~~~r~~~r~~~i~i~r~~~~~~i~~~ri,r~~~i~~r~~ir~~i~r~ii{{ above, or go to Discover.com. Print your ail address to eceive important Account information and s pecial offers. 000001986458584032 68032968900100000006600 Discover Platinum Card ccount Summary Closing Data: July 9, 2004 page 1 of 2 4ccount number ending in 6925 Previous Balance $3,328.14 'ayment Due gate August 8, 20 d Payments And Credits - 100.00 Minimum Payment Due $66.00 Purchases + 62.24 ~redit limit $5,000.00 Cash Advances + 0.00 ~reditAvailabla $1,703.00 ~ Balance Transfers + 0.00 ash Credit limit $2,500.00 ~ Finance Charges 6.51 + ~ ash Credit Available $1,703.00 _ __ New Balance $3,296.89 ~ You may be able to avoid Periodic Finance Charges, see the I reverse side for details. Cashback Bonus® O enin Cashback Bonus Balance $ 11.86 New Cashback Bonus This Period + 0.31 Everywhere Else + 0.00 Cashback Bonus Since Anniversary Moni Cashback Borius Balance $ T2.17 January: $6.77 Keep using your Discover(R) Card and watc your Cashback Bonus(R) award growl Remember, once your Cashback Bonus award is at least 320, you can redeem you d b ll l h b awar y ca ing us or ogging into t y e Account Center nt Discovercord.com. How Can We Help You? 1 • Visit Diacowr.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and mo (t's your choice - 3 ways to h Ip 2. Call 1-BOaDISCOVER (347-2683) for Post, easy self-service options or to speak with a Customer Service Account Manage Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) s e reverse side Salt Lake City, UT 84130 Transactions so Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po Dais Da Payments and Credits Jun 19 Ju n 19 PAYMENT -THANK YOU $ -100.00 Merchandise/Retail Jul 7 Jul . AMZ*SUPERSTORE AMAZON.COM WA 24.95 22240099323004 Services Jun 28 Ju n 28 VERIZON INTERNET SOL 800.567.6789 TX 37.29 Information For You Balance Transfer offer for current billing per i d: Daily Periodic Rate: 0.007959e; corresponding ANNUAL PERCENTAGE RATE: 2.90%. Rate is subject to the terms o the offer including expiration. Did you know that millions of credit cards a r lost or stolen every year$ The.Register(R) safeguards all your credit, debit and ATM cards for less than 5 cents a day. Ca ll 1-800.347-3395 to enroll today. Build your Cashback Bonus(Rl award with a ry bill you pay automatically with your Discover(R) Card. Cell phone, cable and Internet service and henlt eluhs• vmi r nnv an mnnV rnrnrrinn ti~tl. ~N,rt, ....~~r f1~.~...,e~ r'...a tn~-,..~ ., ....,..~ ®............ ~"`` ~,,?v ~K i p'$CV~~ I Account numaer enamg In ouzo Get added security wi h no paper trail ~R.. . Make your account information m re secure with password-protected statements th t only you can access. • Access up to 24 months of do nloadable, Sign up todgy at ~ printable statements. Discovercom/paperless • See your statement as soon a it's available ~ rather than wait for it to arriv in your mailbox. , • Get helpful payment reminder through a-mail t or text messages on your mob le phone. • Print a paper copy of your sta ement anytime. ~'L009 Discover bank, Member FDIC Closing Date: July 9, 2004 page 2 of 2 Everything You Need To Know - In the Acc unt Center. If you need to know exactly how much you spent on your shopping spree last weekend, wouldn't you rather fin out now than wait for your next statements Go to the Account Center at Discovercard.com to find out what's going n with your Account before your statement arrives in the mail. Get up to 2 cents back on every gallon of g s with your Cashback Bonus(R) award. Drive down prices while you drive up your rewards) Use your Discover(R) Card hanever you fill up -and pump some high octane rewards into your Cashback Bonus Account. Plus, continue to receive a ashback Bonus award on your other purchases. Call 1-877-353-0941 today or visit Discov rcard,com to find out if you qualify for a valuable Balance Transfer offer. It's a fast and easy way to save money) Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE glances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $598.63 Cash Advances $0 0.03627% 13.24% V 13.24% $6.51 $0 0.057513e 20.993e F 20.99% $0 $0 Balance Transfers $2680.00 0.00000% 0.00% F 0.00% $0 $0 the rates that apply to your Account are eith r fixed (F) or they may vary (V)as noted above. QUestlons? Manage your acc unt at Discover.com or ,.,,n i.>Ann.nlrc~'nvcQ li_ann_z.l~. /.ft'21 ~~, '~hv CK $38.91 ~ 510.00 I Enter Amount Enclosed Below Payment Due Date $ ~u~~ September 8, 2004 please make check pa ble to Discover Platinur Card or o line ~ Discovercard com pay . n . 09 SDSN6A010002973 KEEPER, RICHARD G Gopaperlessandmakeyouraccount information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 1797 - 1458 Learn more at discover.corNpaperless. PD BOX 71084 ~Ilrrrllrrrllrrrlrlrrtr~il) CHARLOTTE NC 28272-1084 'address, e-mail or telephone change$ Print c hange in space ~ri~t~~rr~r~r~~~~~~r~r~~r~~~~~~~~irr~r~,ir~~~~{i~~ii{~i~i~i~~~ ybove, or go to Discover.com. Print your e• ail address to eceive important Account information and s pecial offers. 000001986458584032 68000389103300000001000 Discover Platinum Card ccount Summary Closing Date: August 9, 2004 page 1 of 2 4ccount number ending in 4925 Previous Balance $3,294.84 'ayment Due Date September 8, 004 Payments And Credits - 3,300.00 Minimum Payment Due $10.00 Purchases + 37.35 ~redit limit $5,000.00 Cash Advances + 0.00 credit Available $4,961.00 Balance Transfers + 0.00 ash Credit Limit $2,500.00 finance Charges~ + 4.47 mash Credit Available $2,500.00 __ New Balance = $38.91 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 12.17 New Cashback Bonus This Period + 0.19 Everywhere Else + 0.00 Cashback Bonus Since Anniversary Mon Cashback bonus Balance $ 12.36 January: $6.96 How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account informotion, earn and redeem rewords and moi It's our choice - 3 r~-a s to h 2. Call 1-800.DISCOVER (3d7-2683) For Fast, easy selFservice I y y p options or to speak with a Customer Service Account Manage Please have your Discover Card availoble. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) s e reverse side Salt Lake City, UT 84130 TranSCCt1OnS $0 Fraud Li billy Guarantee Use your Discover Card with confidence. Trana. Po Date Da Payments and Crodita Jul 30 Jul 0 PAYMENT -THANK YOU $ -3,300.00 5srviess Jul 29 Jul 9 VERIZON INTERNET SOL 800.547-6789 TX 37.35 Information For You Call 1.877.353-0984 today or visit Discove card.com to find out if you qualify for a valuable Balance Transfer offer. It's a Fast and easy way to save money) Finance Charge Summa Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE la es Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $407.73 0.03496% 13.49% V 13.499'a $4.67 $0 Cash Advances $0 0.057519'0 20.9990 F 20.993'0 $0 $0 Balance Transfers $1709.67 .0.00000% 0.00% F 0,00% $0 $0 The rates that apply to your Account are eit h r Fixed (F) or they may vary (Vj as noted above. By paying your bill by check, you agree to 1 I 6 1 ll h l I th processing of your payment electronically. IF your check is processed L 1 N L 1 h { L i h e eetroniea v It IS hf1331 A t i~' e wi n 1 1R ,., .. ..,,. . .... .,.~ ............ e ....s . am vnur r .ar in...,~~.,..»1 ..n ~ it r~ rmun I~IaC,~~V Ott August 9, 2004 Hccount number ending in OYLJ page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversa ate: Janua 9 Balance Previous Cashback Bonus Awa d Balance $ 12,17 Purchase Award This Period + 0.00 0.19 Cashback Bonus Award Total 12.36 Cashback Bonus Award Balan 12.36 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) Foy details. For program details, see the Cash ck Bonus grogram Terms and Conditions. Vf,L,,"V Cr( $4,547.56 I $91.00 ~ Enter Amount Enclosed Below Payment Due Date October 8, 2004 09 SDSN6A01 0002974 Please make check payyable to Discover Platinum Card or pay online ~ Discovercard.com. KEEPER, RICHARD G Gopaperlessandmakeyouraccount 1718 LOCUST ST information more secure with password- NEW CUMBERLND PA 1707 protected statements only you can access. -1458 Learn more at discover.comlpaperless. PO BOX 71084 ~~~us~~rrr~~rn~r~nnr~~~ Address, e-mail or telephone change$ Print CHARLOTTE NC 28272-1084 change in space above, or go to Discover.com. Print your (~~I~'I~~I~~iI~II~~~I~~I~I~~fllll„~I~II11I~~II~~'"I„I~II'II ail address to receive important Account information and special offers. OOOD01986458584032 68D45475600D50000009100 Discover Platinum Card ccount Summary Closing Date: September 9, 2004 page 1 of 2 Account number ending in 6925 Previous Balance $38 91 Payment Due Date October 8, 2 . 4 Payments And Credits - 50 00 Minimum Payment Due $91.00 i . Purchases + 50 79 Credit Limit $5,000.00 I . Cash Advances + 0 00 Credit Available $452.00 . Balance Transfers + 4 400 00 Cash Credit Limit $2,500.00 i , . Finance Charges + 107 86 Cash Credit Available $452.00 li ____ . New Balance $4,547.56 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bon US Opening Cashback Bonus Balance $ 12.36 New Cashback Bonus This Period + 0.25 Everywhere Else + 0 00 Cashback Bonus®.Since Anniversary Mont. . January: $7.21 Cashback Bonus Bglgnce $ 12.61 Keep using your Diuover(R) Card and watc your Cashback Bonvs(R) award growl Remember, once yyour Cashback Bonus award is at least $20, you con redeem you award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel You? ~ P i ' 1 • Visit Discowr.com to pay your bill for no coat, view our latest Account information, earn and redeem rewards and mo t s your choice - 3 ways to h~ lp 2. Call 1-800-DISCOVER (347-2683) for Fast, easy self-service Please hove your Discover Card available. options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) s e reverse side 3' Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud li bility Guarantee Use your Discover Card with confidence Trans. Po . Date Da Payments and Crodits Aug 24 Au 24 PAYMENT -THANK YOU $ -50.00 ,Merchandise/Refc~ Aug 13 Au 13 AMZ*AMAZON PAYMENTS AMAZON.COM WA 13.44- 59988164578817 Services Aug 28 Au 28 VERIZON INTERNET SOL 800-567-6789 TX 37,35 Balance Transfers Aug 16 Au 16 CARD SERVICES CEN XXXXXXXXXXXX4436 BT NY 1 600 00 Aug 16 Au , . 16 BAL TRANS TRANSACTION FEE FINANCE CHARGE 48 00 . APR 3.909a EXPIRES 02/2005 Aug 23 Au 23 MBNA AMERICA XXXXXXXXXXXX6969 BT DE 2 800 00 Aug 23 Au , 23 BAL TRANS TRANSACTION FEE FINANCE CHARGE 50.00 APR 3.90% EXPIRES 02/2005 Information For You Get Up to 109e back at restaurants with you Discover(R) Card. Plus, receive up to 23o Cashback Bonus(R) award on all your other purchases. Sign up today- call 1 lasts through October. 800-DISCOVER (1-800-347.2683) or visit Discovercard.com. This offer only Now you can use your Discover(R) Card to Simolv loa on to KinderCare eom to find n K y your child's tuition at KinderCare(R) Learning Centers locations nationwidell l C' I . nr wr nrw nnminn CnnF~r nnnr vnn nr fn ,.,,,4. +~~~~~,,,, .,,,,,,,,.„~, ,,,;~~, ,,,,,,, ~.J I~JC.°„~ V ~K ~ DISCOVER' ~ Hccounr numoer enaing in orta Get added security wi h no paper trail Make your account information m re secure with password-protected statements th t only you can access. • Access up to 24 months of do nloadable, ~' Sign up today at printable Statements. ! Discovercom/paperless • See your statement as soon a it's available rather than wait for it to arriv in your mailbox. l • Get helpful payment reminder through a-mail , ,~~; ~.. ~ or text messages on your mob • ile phone. -------w• ) • Print a paper copy of your sta ement anytime. ~ 02009 Discover Bank, Member FDIC Closing Date: September 9, 2004 page 2 of 2 Keep Track of a Full Year of Expenses Onli e. At the Account Center at Discovercard.com, you can research your Discover(R) Card transactions as far bock a 12 months. So, instead of sorting through a mountain of paperwork to find your old statements, log into the Account C nter at Discovercard.com to Find everything you need quickly and easily. Don't throw away $500 of your hard earn cashl Protect yourself from Identity Then with ProfileProtect(R). On average, Identity Theft costs victims $500 in outof-p cket expenses (Federal Trade Commission, Sept. 2003). Protect your credit and good name with ProfileProtect. Call 1-866- 08-0672 to find out more. The Register(R) safeguards all your credit, d bit and ATM cards for less than 5 cents a dayl With our Property and Document registration service, we make it a Bier For you to File a claim if important possessions are lost to fire, theft or natural disastar. Call 1-800.347-3395 to roll today. Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 Cash Advances $0 0.03764% 13.7490 V 13.74% $0 $0 0.057519'0 20.999'0 F 20.99% $0 $0 Balance Transfers $2980.99 previous billing period: 31 days 0.01068% 3.90% F 29.419'0 $9.86 $98.00 Purchases $0 0.03696% 13.49% V 13.49% $0 none the rates that apply to your Account are eit r fixed (F) or they may vary (V) as noted above. QUeSt10nS? Manage your acc unt at Discover.com or .nll 'a.ann.~tcrnvf:o tl_ann_z,t~_ /,f2Z1 ~. ~1.'V CK $4,332.1 I $87.00 I Enter Amount Enclosed Below Payment Due Date November 8, 2004 please make check pa able to Discover Platinun Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002975 RICHARD G KEEFER Gopaperlessandmakeyouraccount , information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 1707 - 1456 Learn more at discover.comJpaperless. Po Box 71oe4 Illrrrll~„Ilr~~lrlrr~~~lll CHARLDTTE NC 28272-1084 lddress, e-mail or telephone change6 Print c hange in space Irilrl~rrl~~r~~llurlul~~rrillll~ii~rrlulrill~rl~rlnl~lrrll above, or go to Discover.com. Print your ail address to eceive important Account information and s pecial offers. 000001986458584032 680433247,00300000008700 Discover Platinum Card ccount Summary Closing Date: Ocrober 9, 2004 page 1 of 2 4ccount number ending in 6925 Previous Balance $4,547.56 'ayment Due Date November 8, 004 Payments And Credits - 300.00 Minimum Payment Due $87.00 Purchases + 69.52 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $667.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finance Cha es + 15.33 Cash Credit Available $667.00 New Balance = $4,332.41 You may be able to avoid Periodic finance Charges, see the reverse side For details. CashbCCk Bonus- Opening Cashback Bonus Balance $ 12.61 New Cashback Bonus This Period + 0.35 Everywhere Else + 0.00 Cashback Bonus® Since Anniversary Mont Cashback Bonus Balance $ 12.915 January: $7.56 Keep using your Discover(R} Card and watt h k d growl your Cas bac Bonus(R) awar Remember, once our Cashback Bonus ~ award is at least 20, you can redeem you award by calling us or by logging into the Account Center at Discovercard.com. H H l Y C W ? 1 • Visit Discover.com fo pay your bill for no cost, view your an p ow e e ou latest Account information, earn and redeem rewards and mo It's your choice - 3 ways to h 2. Call 1.800.DISCOVER (347.2683) for Fast, easy self-service I Please hove your Discover Card available p options or to speak with a Customer Service Account Manage . For TDD (assistance for hearing impaired} s 3. Write us at Discover Card, PO Box 30943, e reverse side Salt Lake City, UT 84130 Transactions So Fraud li bflity Guarantee Use your Discover Card with confidence. Tranz. Po Date Da Payments and Crodits Sep 26 Se 26 PAYMENT -THANK YOU $ -300.00 Merchandise/Retail Sep 12 Se 12 AMZ*SUPERSTORE AMAZON.COM WA 20.98 03760412984901 Sep 27 Se 27 AMZ*AMAZON PAYMENTS AMAZON.COM WA 11.19 95753897629099 Services Sep 28 Se 28 VERIZON INTERNET SOL 800-567-6789 TX 37.35 Information For You Go paperlessl Elect to stop receiving your iscover(R) Card statements by mail and receive them exclusively online. You'll get an e-mail notification when your statem e t is available online and a printable version of your statement for your records. Visit the Account Center at Discovercard.co to enroll. Request FREE Additional Cards for your Ac c unt and share your Discover(R) Card with the people closest to you. Call 1-800-DISCOVER or visit Discovercard.com AdditionalCards to learn more. TRANSFER BALANCES Today -Call 1.800. b7-7399 now or visit Diseovercard.com to see what Balance Transfer rate is available for vou. Pnv c,fF Innne mnkw hnm imnrnvAman-e nr In4o }I„~t Arnnm vn~nhinn lip... f.,el .....1 ~.......,....+......,.. UI` Jam'' Y fi:FiC DISCOVER' ~ ,vccounr numoer analog In ovz~ Get added security wi h no paper trail ~~ Mnke your account information m re secure with password-protected statements th t only you can access, l • Access up to 24 months of do nloadable, j= Sign up today at printable statements. `' Discavercom/paperless • See your statement as soon a it's available ~`' ~ rather thou wait for it to arriv in your mailbox. • Get helpful payment reminder through a-mail ~ ~ or text messages on your mob le phone. -~-~-,-•• `' ', I ~ • Print a paper copy of your sta ~ ement gnytime. 02009 Dixover [look, Member FDIC Closing Date: October 9, 2004 page 2 of 2 Hey )uniorsl We are searching for outstan ing high school juniors to apply for the Discover(R) Card Tribute Award(R) Scholarship Program. More than $1 millio will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at www. iscovercard.com/tibute.htm. Lock Your CD Rate Today) Move Fast to to your Certificate of Deposit interest rate with Discover Bank's fast, free and secure CD Electronic Deposit) It's the easy, ate way to Fund a new CD or add funds to a maturing Discover CD, directly from your bank account. Visit www.discov rbank.com. Mention SC4Q04PC when you open your CD. Member FDIC. TRANSFER BALANCES TODAYI Call 1-80 767.7399 now or visit Discovercard.com to see what Balance Transfer rate is available for you. Pay off your loans, bills r take That dream vacation. It's a fast and easy way to save money) Get Up to 1090 back at restaurants with yo r Discover(R) Card. Plus, receive up to 23e Cashback Bonus(R) award on all your other purchases. Sign up today -call -800.DISCOVER (1-800.347-2683) or visit Discovercard.com. This offer only lasts through October. Finance Charge Summa Average Doil Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee P i PERCENTAGE PERC di y Baances er o c ENTAGE FINANCE FINANCE ates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $90.91 0.038339a 13.9990 V 13.999e $1.04 $0 Cash Advances $0 0.05751 % 20.99% F 20.999a $0 $0 Balance 7ransFers $4363.62 0.010689', 3.90% F 3.90% $13.96 $0 previous billing period: 31 days Purchases $27.90 0.03764% 13.74% V 13.74% $0.33 none The rates that apply to your Account are eit r Fixed (F) or they may vary (V) as noted above. QUeSt10nS? Manage your acc unt at Discover.com or ,.,.u >I.ann_nlcirnvFQ fl_Ann_zn~_ ~R~1 V~~L~vtK $4,527.55 09 SDSN6A010002976 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 1707,-1458 $91.00 i Enter Amount Enclosed Below Payment Due Date December 8, 2004 Please make check pa able 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 discgver.comlpaperless. PO Box noe4 NIrr,ILr~IL~rLI~r~rrNf ~' CHARLOTTE NC 28272-1084 Address, a-mail or telephone changed Print~hange in space ~i~~i~~~ilr~~{i{{r~rlrrli{~~rll{Irir{irl~+lri~{r~lrr~rr~i~rrl~ above, or go to Discover,com. Print your e- ait address to receive important Account information and pecial offers. 000001986458584D322~680452755D0100000009100 Discover Platinum Card ~--ccount Summary Closing Date: November 9, 2004 page 1 of 2 Account number ending in 6925 Previous Balance $4,332.41 Payment Due Date December 8, 004 Payments And Credits - 100.00 Minimum Payment Due $91.00 ' Purchases + 278.26 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $472.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finance Cher~as +_ 1 d.BB Cash Credit Available $472.00 New Balance m __ ~ $4,527.55 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse ~ Opening Cashback Bonus Balance $ 12.96 New Cashback Bonus This Period + 1.39 ' Fvarvwhwra FI<e + (7_nO ry~k Bonus Since. Anniversary$ 95'~ Cashback Bonus Bdlgnce $ 14.35 lanua How Can We Hel You? ~ P I 1 • Visit Discover.com to pay your bill For no cost, view your latest Account information, earn and redeem rewards and mot It's our choice - 3 wa s to he 2. Call 1-SOaDISCOVER (347-2683) For fast, easy self-service l y y p options or to speak with a Customer Service Account Manage Please have your Discover Card available. ', 3. Write us at Discover Card, PO Box 30943, For TDD (assistance far hearing impaired) s reverse side Salt Lake City, UT 84130 Transactions $o Fraud l.i bility Guarantee Use your Discover Card with confidence. Trans. Pos Daro Do Payments and Crodits Oct 22 Oc 22 PAYMENT -THANK YOU $ -100.00 Merchandise/Retail Oct 11 Oc~ 11 APPLE COMPUTER 800.676.2775 TX 79.96 Nov 4 Nod 4 AMZ*SUPERSTORE AMAZON.COM WA 99.47 46140859219555 Services Oct 27 Oc 27 STORAGE DEPOT WEST LE1v10YNE PA 61.48 Oct 28 Oc 28 VERIZON INTERNET SOL 800-567-6789 TX 37.35 Lnformation For You Balance Transfer offer for current billing pert d: Daily Periodic Rate; 0.00745%; corresponding ANNUAL PERCENTAGE RATE: 2.909'°. Rate is subject to the terms o the offer including expiration. Finance Charge Summa Nominal Transaction Average Doily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $263.00 0.03833°/.° 13.999'° V 13.99°/.° $3.13 $0 Cash Advances $0 0.05751 % 20.99% F 20.99% $0 $0 Balance Transfers $4156.12 0.010689'° 3.909'° F 3.909'° $13.75 $0 The rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. Protect your good credit during this busy Ho l' oy season. ProfileProtect(R) helps you manage your credit, prevent identity theft & reduce vour risk of Fraud. PmFilePrnt a .t nrnvirlws n nnnv ~F vro it ~rorli+ ronnrt mnn~lnre vnur rrarliM rile e...,,, r,~.d„a.. VISC;~~~~VCK November 9, 2004 Hccount number ending in OYLJ page 2 of 2 Cashback Bonus Award Summa Cashback Bonus Anniversa ate: Januar 9 Balance Previous Cashback Bonus Awa d Balance $ 12.96 Purchase Award This Period + 0.00 1.39 Cashbac Bonus Award Total 14.35 Cashback Bonus Award Balanc 14.35 Award Available to Redeem $ 0.00 Restrictions apply to the Cashbac ddetails. For program details, see offers visit•Diacover.com or call 1-800-DISCOVER ~1-800-347-2683) for onus program Terms and Conditions. V ~,L.r~ V C K $4,444.46 $89.00 ', Payment Due Date January 8, 2005 09 SDSN6A01 0002977 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070-1458 I, busy Account number ending in 6925 Previous Balance $4,527.55 Payment Due Date January 8, 20 5 Payments And Credits - 200.00 Minimum Payment Due $89.00 ', Purchases + 98.83 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $555.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Chafes + 18.08 Cash Credit Available $555.00 ___ New Balance _ _ = $4,444.46 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Enter Amount Enclosed Below Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PD BOX 71084 ~)~nr~~ur~~nr~r~nur~~~ CHARLOTTE NC 28272-1084 Address, email or telephone change8 Print hangs in space I~~I~II~~I~~~I~'I~~~I~~I~I~~~IIII~~~'~il~rl~~~I~~I~~I~~I~'11I' above, or go to Discover.com. Print your o- ail address to receive important Account information and pecial ofFers. 000001986458584032268044444600200000008900 Discover Platinum Card i}~ccount Summary i Closing Date: December 9, 2004 page 1 of 2 Cashback Bonus® ~' Opening Cashback Bonus Balance $ 14.35 ' New Cashback Bonus This Period Cashback Bonus®Since Anniversary Month January: $9.44'x. Keep using your Discover(R) Card and watgh your Cashback Bonus(R) award growl Remember, once yyour Cashback Bonus award is at least $20, you can redeem you} award by calling us or by logging into the Account Center at Discovercard.com. + 0.49 Everywhere Else + O,QQ Cashback Bonus Balance $ 14.84 How Can We Hel You? P 1 • Visit Dixoveaeom to pay your bdl for no cost, view our latest Account information cam and redeem rewards and more It's your choice - 3 ways to h , ~lp 2• Call 1-800.DI5COVER (347-2683) for fast easy selFservice Please have your Discover Card available. I , options or to speak with a Customer Service Account Manager , for TDD assistance For hearin im aired s ( g p I e reverse side 3. Write us at Discover Card, PO Box 30943, ~ Solt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po Date D Payments and Crodits Nov 21 N v 21 PAYMENT -THANK YOU $ -200.00 Services.. Nov 26 N~ v 26 STORAGE DEPOT WEST LEMOYNE PA 61.48 Nov 28 N v 28 VERIZON INTERNET SOL 800.567.6789 TX 37.35 Information For You Balance Transfer offer for current billing per od: Daily Periodic Rate: 0.007953'0; corresponding ANNUAL PERCENTAGE RATE: 2.90%. Rate is subject to the terms the offer including expiration. Through the generosity of our Cardmember , Discover(RI Card has donated more than $14 million to the Mako-A-Wish Foundation(R). You can make a child's dre m come true by electing to donate your Cashback Bonus(R) award to the Make-A-Wish Foundation. To learn how, pl ass visit Discovercard.eom or visit www.wish.org. Protect your good credit during theft R rerlnre vnur risk nF Frnnrl ~y season. ProfiloProtect(R~ helps you manage your credit, prevent identify nmvir~oe n rnrni nF vnnr rra'iit r>nnrF mnni#nre ~rnii~ .-redil rile m..... Ln.i..e~~ u 1~a~`~~r~ V CK I DISCOVER' Hccount numner ending m ov[o Get odded security wi h no paper trail Make your account information ore secure with password-protected statements th t only you can access. • Access up to 24 months ofd wnloadable, Sign up today at printable statements. ! Discover COm~paperless • See your statement as soon o it's available rather than wait for it to ^rriv in your mailbox. i~ • Get helpful payment reminds ,. s through a-mail or text messages on your mo ile phone. ,~ " r • Print a paper copy of your sl tement anytime. tp2009 Dixover [lank, Member FDIC Closing Date: December 9, 2004 page 2 of 2 Give that someone special the gift that coul only come from you. Discover(R) Gik Cards come in festive designs in denominations up to $500, and are accep most everywhere Discover Card is welcomed. Customize yours with a personal message when you order at Disco ergiflcard.com. Not available to residents of CT, DC, MA, ME or NH. Every purchase you make with your Discov r(R) Card earns you a Cashback Bonus(R) award. You can redeem your award anytime it reaches $20, or you can let it gr w - 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 holidays ason with thoughtful giks From 1-800-FLOWERS.COM(R). Save 15°/a* on your next purchase when you use your Discover( ) Card and code DC88. Call 1-800-FLOWERS(R) (1-800.356-9377), click www.1800flowers.com, or come inl *For etails please visit www.1800flowers.com/disclaimer. This year, give FREE Additional Cards to th people you care about and build a bigger Cashback Bonus(R) award, too. It's easy) To request FREE Additional Cards fo your Account, just Call 1.800-DISCOVER or visit Discovercard.com/Add itionalCards. Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE B ante Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $449.10 Cash Advances $0 0.039019'° 14.24% V 14.249'° $5.26 $0 0.05751 % 20.999'° F 20.999'° $0 $0 Balance TransFers $4004.08 0.010689'° 3.909'° F 3.90% $12.82 $0 The rates that apply to your Account are sit er Fixed (F) or they may vary (V) as noted above. QUeSt10nS~ Manage your act unt at Discover.com or r,n-I ~.s-nn.nlcrnvFa tl _ann_.z.t~ ~~R.~1 I~IJC. V tK $3,580.$0 $72.00 I Enter Amount Enclosed Below Payment Due Date February 8, 2005 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 09 SDSN8A01 0002978 KEEPER, RICHARD G Gopaperlessandmakeyouraccount 1718 LOCUST ST Information more secure with password- Protected statements only you can access. NEW CUMBERLND PA 17070-1458 Learn more at discover.comlpaperless. j ~ PO BOX 71084 Ilin~llu~lln~irluurlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print khange in space I~~I~II~~I~~~~~II~~~~ii~~I~~~IIII~~~I~~I'~I~~II„I'~~~~I'I~~I~ above, or go to Discover.com. Print your a-mail .address to receive important Account information and ~pecial offers. 0000019864585840322I68035802001D00000007200 Discover Platinum Card ~-ccount Summary Closing Date: Account number ending in 6925 Payment Due Date February 8, 205 Minimum Payment Due $72.00 Credit limit $5,000.00 Credit Available $1,419.00 Cash Credit Limit $2,500.00 Cash Credit Available $1,419.00 January 9, 2005 page 1 of 2 Previous Balance $4,444.46 Payments And Credits - 1,000.00 Purchases + 117.86 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charles + 17,gg New Balance _ = $3,580.20 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ccshbatk BOnUSe Opening Cashback Bonus Balance $ 14.84 New Cashback Bonus This Period + 0.59 Everywhere Else + 0.00 Cashback Bonus Since Anniversary Montl January: $10.03, Cashback Bonus Balance $ 15.43 Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once our Cashback Bonus award is at least ~20, you can redeem yovh award by calling us or by logging into the Account Center at Discovercard.com. ', How Can We Hel Yclu? ~~ 1 • Visit Discovsr.com to pay your bill for no cost, view your P lotest Account information, earn and redeem rewards and more It's your choice - 3 ways to h~lp 2. Cali 1-Boo-DISCOVER (347-2683) for fast, easy selFservice Please have your Discover Card available.. j options or to speak with a Customer Service Account Manager For TDD assistance For hearin 3. Write us at Discover Card, PO Box 30943, ( g impaired) s~e reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Li~ bflity Guarantee Use your Discover Card with confidence. Tran:. Po Date Da ~e Paymenh and Credits Dec 22 De~ 22 PAYMENT -THANK YOU $ -1,000.00 Services Dec 27 .De 27 STORAGE DEPOT WEST LEMOYNE PA 61.48 Dec 28 De 28 VERIZON INTERNET SOL 800-567.6789 TX 37.35 Supermarkets Jan 1 Jani 1 WETS MARKETS #125 CAMP HIIL PA 19.03 Information For You Balance Transfer offer for current billing peri d: Daily Periodic Rate: 0.010683'0; corresponding ANNUAL PERCENTAGE RATE: 3.909'0. Rate is subject to the terms o 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 dr m come true by electing to donate your Cashback Bonus(R) award to the Mako-A-Wish Foundation. To learn how, pl ase visit Discovercard.eom or visit www.wish.org. Protect your good credit during this busy thAk R rarlnrw vnnr ri.e4 nF Frnurl PrnfilnF ay season. ProFileProtect(R) helps you manage your credit, prevent identity nrnvirlna n ~nmi nF ~inur rrnrtil rannrl mnnilnre unnr rrartir Filn mianr t~neineee ~J~~•~ V CK ~ DfSCVER' ~ Account number ending m ON'LD Get added security wi h no paper trail ~--~, Make your account information m i, re secure with password-protected statements th t only you can access. ~: • Access up to 24 months of do nloadable, Sign up today qt printable statements. ~ Discovercom/paperless • See your statement as soon a it's available ~ ' rather than wait for it to arriv in your mailbox. ° • Get helpful payment reminder IIP through a-mail - or text messages on your mo ile phone. • Print a paper copy of your st lament anytime, c+2ooo o~xorer Bonk, Ahember FDIC Closing Date: January 9, 2005 page 2 of 2 Give that someone special the gift that caul only come From you. Discover(R) GiPo Cards come in festive designs in denominations up to $500, and are accept d most everywhere Discover Card is welcomed. Customize yours with a personal message when you order at Disco ergiftcard.com. Not available to residents of CT, DC, MA, ME or NH. Get Fit. Get Smart. Get More. Introducin more rewards-NOW thru February) Get a 5%Cashback Bonus(R)-award at Health Clubs, Sporting Goods Stores, Book Cores and on Education purchases. Sign up today. Call 1-800-DISCOVER or visit Discovercard.com. Stay connected to loved ones this holidays ason with thoughtful gifts from 1-800-FLOWERS.COM(R). Save 153'°* on your next purchase when you use your Discover( )Card and code DC88. Call 1.800-FLOWERS(R) (1.800-356-9377), click www.1800flowers.com, or come inl *For etails please visit www.1800flowers.com/disclaimer. This year, give FREE Additional Cards to th people yov care about and build a bigger Cashback Bonus(R) award, too. It's easy) To request FREE Additional Cards fo your Account, just call 1-800-DISCOVER or visit Discovercard.com/Add itionalCards. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $559.26 0.039703'° 14.499'° V 14.49% $6.87 $0 Cash Advances $0 0.057513'° 20.999:° F 20.993'° $0 $0 Balance Transfers $3330.11 0.010689'° 3.90% F 3.90% $11.01 $0 The rates that apply fo your Account are eit er Fixed (F) or they may vary (V) as noted above. QU@st10flS? Manage your acc unt at Discover.cotn or r,nu t_t'tnn.nlcrnvra tl_Rnn_~.t~ ~~uzl V IJ~.~~ V C K sa,97a.31 i s l oo.oo Payment Due Date March 8, 2005 09 SDSN6A010002979 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 1707 -1458 Enter Amount Enclosed Below Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illnr~lrullnrlrluurlll CHARLOTTE NC 28272-1084 Address, o-mail or telephone changeB Printlchange in space lulrl~u~urlr~lnrlnli~ni~l~lnrlnlu~ul~ulrrlnlilrrll above, or go to Discover.com. Print your o- ail address to receive important Account information and,special offers. 00000198645858403268049743}00100000010000 Account number ending in 6925 ' Previous Balance $3,580.20 Payment Due Date March 8, 2085 Payments And. Credits - 100.00 Minimum Payment Due $100.00 ' Purchases + 1 468.82 Credit Limit $5,000.00 I Cash Advances , + 0.00 Credit Available $25.00 Balance Transfers + 0 00 Cash Credit Limit $2,500.00 ' Finance Charges . + 25.29 Cash Credit Available $25.00 _ New Balance __ $4,974.31 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Discover Platinum Card ~-ccount Summary Closing Date: February 9, 2005 page 1 of 3 ' CQShbatk DVflfJS® Opening Cashback Bonus Balance $ 15.43 New Cashback Bonus This Period ' + 3.67 Everywhere Else + O.00 Cashback Bonus® Anniversary ', Month: January Cashback Bonus Balance $ 19.10 How Can We Hel You? ''~ P 1. visit Discevsr.~em to pay your bill for no cost, view our latest Account information; earn and redeem rewards and It's your choice ' 3 Ways tO h elp 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) s reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud ll pbflfty Guarantee Use your Discover Card with confidence Trans. Po t . Date D to Payments and Crsdhs Jan 26 Jar 26 PAYMENT -THANK YOU $ -100.00 Merchandise/Retail Jan 21 Jar' h 21 SILVER SPRING BEVERAGE MECHANICSBURGPA 34.96 Jan 26 Jar ~ 26 APPLE COMPUTER 800-676.2775 TX 19 08 Jan 27 Jar h 27 APPLE COMPUTER 800.676.2775 TX . 62 54 Jan 28 Jar 28 APPLE COMPUTER 800.676-2775 TX . 1,270.94 Services Jan 28 Jar j 28 VERIZON INTERNET SOL 800.567-6789 TX 37.83 Wanhouss Clubs tan 21 Jar 21 BJ'S # 02525403 1 675 1 HARRISBURG PA 43.47 Information For You Balance Transfer offer for current billing pe~od: Daily Periodic Rate: 0.010689'0; corresponding ANNUAL PERCENTAGE RATE: 3.909'0. Rate is subject to the terms F the offer including expiration. Important Security Information: Some trim infnrmnfinn Thie is Irnnwn ne "nMietiinn " • imitate the o-mails of legitimate companies to entice people to share personal b,ll~..,~..n ., F .., ~~n..,le .+e ... ............ Lee.....,..........,.,,.1 ;..t,......•:,,.....c-.....~ ~1~7`s`wsa~ M GiIC ~ DISCOVER' ~ rucounr numoer enamg in ort~ Get added security wi h no paper trail Make your account information m re secure with i password-protected statements th t only you can access. Access up to 24 months of do nloadable, Sign up today at printable statements. Distover.COm~paperle5s • See your statement as soon a it's available ', ~ - i rother than wait for it to arriv in your mailbox. • Get helpful payment reminder through e-mail '.~~ fl Vk . or text messages on your mob le phone. ~' ~ t"'' ~ • Print a paper copy of your sta ement anytime. ®2009 Di~cwer bank, Member FDIC Closing Date: February 9, 2005 page 2 of 3 i I 'I I I II I i Iii ~~ I Finance Charge Summa Average Dail Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee P i di PERCENTAGE y Balances er o c PERCENTAGE FINANCE FINANCE Rates RATES RATES CH GE CHARGES current billing period: 31 days Purchases $1274.17 0.03970% 14.4990 V 14.49% $15.69 $0 Cash Advances $0 0.057519'0 20.9990 F 20.99% $0 $0 Balance Transfers x2904.60 0.010689'0 3.90% F 3.90% $9.60 $0 The rates that apply to your Account are eith r Fixed (F) or they may vary (VI as noted above. QU@St1onS? Manage your acco nt at Discover.com or ~ryu >I_t;nn.rncrnvFR I1_An~_.~d~_ f,A.'21 VISC.'V tK February 9, 2005 I Account number ending in 6925 page 3 of 3 Cashback Bonus Award Summary Cashback Bonus Anniversa ate: January 9 Balance Previous Cashback Bonus Award Balance $ 15.43 Purchase Award This Period + 0.00 3.67 0.00 Cashback Bonus Award Total 19.10 Cashback Bonus Award Balan a 19.10 Award Available to Redeem $ 0.00 Restrictions apply to the Cashbac details. For program details, see offers visit Discover.com or call 1-800-DISCOVER (1-800-347-2683) For onus program Terms and Conditions. UIJC.`'<~ V tK S4,125.7!1 $83.00 Payment Due Date April 8, 2005 n4 cncNann~ nnmoan Enter Amount Enclosed Below Please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. KEEPER, RICHARD G Gopaperlessandmakeyouraccount 1718 LOCUST ST information more secure with password- Protected statements only you can access. NEW CUMBERLND PA 1707D -1458 Learn more at discovercom/paperless. 'i PO BOX 71084 ~~~nrllnr~~u,~s~nnr~ll ~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeB Print above, or go to Discover.com. Print your e- hangs in space I~~I~~I~~~~~~I~II~~~~~~I~I~~~I~II~~~I~~I~~I~~II~~I~~~~~I~I~~'I ail address to receive important Account information and pecial offers. 0000019864585840322 6804'1257101000000008300 Discover Platinum Card ~ -ccount Summary ', Closing Date: March 9, 2005 page 1 of 2 Account number ending in 6925 ~ Previous Balance $4,974.31 Payment Due Date April 8, 2005I Payments And Credits - 1,000.00 I Minimum Payment Due $83.00 Purchases + 101.35 Credit limit $5,000.00 ', Cash Advances + 0.00 Credit Available $874.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 I Finance Charges + 50.05 Cosh Credit Available $874.00 ' New Balance $4,125.71 ', You may be able to avoid Periodic Finance Charges, see the reverse side For details. CaSI16aCIC Bcnus® i Opening Cashback Bonus Balance $ 19.10 New Cashback Bonus This Period + 0.43 Everywhere Else + O,OQ Cashback Bonus® Anniversary ', Month: January i Cashbeck Bonus Balance $ 19.53 Keep using your Discover(R) Card and watc ~ your Cashback Bonus(R) award growl Remember, once our Cashback Bonus award is at least ~20, you wn redeem yourt award by calling us or by logging into the 'i Account Center at Discovercard.com. How Can We Hel YOU? P 1 • Visit Discover.com to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and me It's your choice - 3 ways to h Ip 2. Call 1-800.DISCOVER (347.2683) For fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manage For TDD assistance For hearin im aired s ( g p ) e reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Proud Li bility Guarantee Use your Discover Card with confidence. Trans. Po t Date Da Payments and Credits Feb 21 Fe 21 PAYMENT -THANK YOU $ -1,000.00 Services Feb 28 Fe 28 VERIZON INTERNET SOL 800.567.6789 TX 39.87 Mar 1 M r 1 STORAGE DEPOT WEST LEMOYNE PA 61.48 Information For You Balance Transfer offer for current billing per od: Daily Periodic Rate: 0.016169'0; corresponding ANNUAL PERCENTAGE RATE: 5.909'0. Rate is subject to the terms the offer including expiration. Call 1.800-767-7315 today or visit Discove card.com to find out if you qualify for a valuable Balance Transfer offer. It's a Fast and easy way to save money) Paperless statements can jumpstart your spri g cleaning) Get rid of the excess paper in your life by receiving your Discover(R) Card statements online instead F by mail. You'll get an e-mail IaNing you know when your statement is ready to view online. You can even pay your bill onl ne while you're there. Go to Discovercard.com to sign up. Did you know that millions of credit cards a e lost or stolen every years: The Register(R) can help prevent credit card Fraud) In Ihw Avon} vnnr rnrrls nra hst ~r si~lgn ww'll .~newl them nnrl hnvw new nnas raissuArl M vrni Plies vnu'll rwrwiva n erwrlit V ~JL~~ V CK I DISCOVER' I Account number ending in 6925 Get added security wi h no paper trail ~r-, Make your account inFormation m re secure with password•protected statements th t only you can access. • Access up to 24 months of do nloadable, ~ ' Sign up today at printable statements. Discovercom/poperless • See your statement as soon a$ it's available !' rather than wait for it to arriv$ in your mailbox. • Get helpful payment reminder through a-mail _ or text messages on your mo ile phone. . ` • Print a paper copy of your st _. , tement anytime. c92009 Uixover Bank, Member FDIC I i II Closing Date: March 9, 2005 page 2 of 2 Thinking of moving$ The Register(R) will n iFy all your creditors and let them know of your new address. With our Property and Document registration service, we also make it easier Far you to file a claim if important possessions are lost to fire, theft or natural disaster. Call 1.800.347-3395 r visit us at Discovercard.com for details. Build your Cashback Bonus(R) award with very bill you pay automatically with your Discover(R) Card. Cell phone, cable and Internet service and health clubs: you an pay so many recurring bills with your Discover Card. What a smart, easy way To save time and money -and earn a igger award) Visit Discovercard.com/autobillpay to learn more. Redecorate. Remodel. Get More. Sign u today and get 5% Cashback Bonus(R) at Ace Hardware, Bed Bath & Beyond(R) Lowe's(R), Menards(R), Pier 1 Imports, Rest , ration Hardware, SHERWIN-WILLIAMS(R), Smith & Hawken(R), The Container Store(R), The Home Depot(R). Call 1-800-D i I I SCOVER or visit Discovercard.com and reward yourself March through May. Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE 1 nces Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $4426.48 Cash Advances $0 0.04038 14.74 V 14.743e $50.05 $0 0.057513'° 20.993'° F 20.99% SO $0 The rates that apply to your Account are ei er Fixed (F) or they may vary (V) as noted above. QU®St1OflS? Manage your acc unt at Discover.com or r.nll t.tznn.ntc~nvco r~ ann ~,t~ ~,cooi ~a`,~Jv ~K 54,349.8 1587.00 I Enter Amount Enclosed Below J Payment Due Date ' May 8, 2005 Please make cheek payable to Discover Platint Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002881 KEEPER, RICHARD G Go paperless and make your account information more secure with password- 1718 LOCUST ST protected statemerits only you can access. NEW CUMBERLND PA 17070 -1458 Learn more at discover.com/paperless. PO BOX 71084 ~~~ru~~ur~~ur~r~uur~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes Print hange in space (~~'iI~~~I~~~l~ll~~~(~~(~(~~~(III~~~I~~'~~I~~((~ (~ I I ' II above, or go to Discover.com. Print your e• ~ ~ ~~ ~ ~~ ail address io receive important Account information and pecial offers. 0000019864585840322 I 68043498000125000008700 II Discover Platinum Card ~ccount Summary Closing Date: April 9, 2005 page 1 of 2 Account number ending in 6925 Previous Balance $4,125.71 Payment Due Date May 8, 2005 Payments And Credits - 125.00 i Minimum Payment Due $87.00 I Purchases + 294.71 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $650.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 54.38 Cash Credit Available $650.00 New Balance m $4,349,80 You may be able to avoid Periodic Finance Charges, see the ~i reverse side For details. Ccshback Bonus® I Opening Cashback Bonus Balance $ 19.53 I New Cashback Bonus This Period i + 1.47 Everywhere Else + O.QQ Cashback Bonus®Since Anniversary Mont_ Cashback Botlus Balance $ 21.00 January: $5.5 How Can We Hel You? P 1 • Visit Discover.com to pay your 671 for no cost, view your l A f d atest ccount in ormation, earn an redeem rewards and ma ~t'S your choice - 3 ways to h Ip 2. Call 1-8oo•DISCOVER (347-2683M For Fast, easyselFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manage For TDD assistance for hearin im aired s ( 8 ~ P 1 e reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. P t Date D to Payments and Crodits Mar 26 M r 26 PAYMENT -THANK YOU $ •125.00 Msrchondise/Retail Mar 19 M r 19 STAPLES #643 MECHANICSBURGPA 190.78 Services Mar 28 M r 28 STORAGE DEPOT WEST LEMOYNE PA 61.48 Mar 28 M r 28 VERIZON INTERNET SOL 800-567-6789 TX 42.45 Information For You Balance Transfer offer for current billing pe iod: Daily Periodic Rate: 0.016163'0; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms f the offer including expiration. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily glances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4270.24 0.04107% 14.993'0 V 14.99% $54.38 $0 Cash Advances $0 0.05751 % 20.99% F 20.99% $0 $0 The rates that apply to your Account are eit er fixed (F) or they may vary (V) as noted above. What iF your credit Falls into the wrong hen s8 Reduce your risk of identity theft and credit fraud with ProFileProfect(Rj. This comprehensive service halos saFeauard you against misuse of vour personal credit information. Visit ProfileProtect.com/safe V~,LV CK II April 9, 2005 I Account number ending in 6925 page 2 of 2 Cashback Bonus ~ Award Summary Cashback Bonus Anniversa ate: Januar 9 ga~ance Previous Cashback Bonus Awa d Balance $ 19.53 Purchase Award This Period + 0.00 Restrictions apply to thg C~shback Bonus P~rtr~er offers visit Diacover.com or call 1-800•DISCOVER (1-800.347-2683) For details. For program etas s, see the Cash c Bonus ('rogram Terms and Conditions. 1.47 Cas ack Bonus Awar Total ~ ~ nn u ~,Lf•~•.,- V CK 54,306.9 $67,0 0 I Enter Amount Enclosed Below ~- - - ) P gymen t Due Date ~ ~--~ June 8, •2005 Please make check payyable to Discover Plating Cord or pay online ~ Discovercard.com. 09 SDSN6A01 0002982 KEEPER, RICHARD G Gopaperlessandmakeyouraccount information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070 -1458 Learn more at discover.corrUpaperless. PO BOX 71084 ~~~rrr~~rir~~rrr~r~rrrrr~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print hangs in space '~iI~II~~I~~il~l~~~~'~~~~'~~~~II~~i~I~~~~~I II I I I I II above, or go to Discover.com. Print your e- ~~ ~~ ~~ ~~ ~ ~~ ail address to receive important Account information and pecial offers. 000001986458584D322 680430699002000000p8700 Discover Platinum Card ccount Summary Closing Date: May 9, 2005 page 1 of 2 Account number ending in 6925 Previous Balance $4,349.80 Payment Due Date June 8, 2005 Payments And Credits - 200.00 Minimum Payment Due $87.00 Purchases + 104.04 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $693,00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance_Char es + 53.15 Cash Credit Available $693.00 New Balance $4,306.99 You may be able to avoid Periodic Finance Charges, see the reverse side For details. CgSI16CCIC Bot1US® Opening Cashback Bonus Balance $ 21.00 New Cashback Bonus This Period ~i + 0.52 Everywhere Else + O.OQ Cashback Bonus® Since Anniversary Mont Cashback Bonus Balance $ 21 52 January: $6.09 . CONGRATULATIONSI Now that your aw d is $20 or more, you can redeem it in $20 increments by logging into the Account Ce ter at Discovercard.com or by calling 1-877-YOUR-AWARD (1-877-968-7292). How Can We Hel You? P 1 • visit Discever.<em to pay your 681 for no cost, view our latest Account information, earn and redeem rewards and me ~t'S your choice ~ 3 Ways tO h ~p 2. Call 1.800-DISCOVER (347.2683) For fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manage For TDD (assistance For hearing impaired) s 3. Write us at Discover Card, PO Box 30943, e reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. P t Date D to Payments and Crodifs Apr 26 A r 26 PAYMENT -THANK YOU ~ _200.00 Services Apr 28 A r 28 VERIZON INTERNET SOL 800-567.6789 TX 42.56 May 3 M y 3 STORAGE DEPOT WEST LEMOYNE PA 61.48 Information For You Balance Transfer offer For current billing pe iod: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.909'0. Rafe is subject to the terms F the offer including expiration. Call 1-877-353-0986 today or visit Discov rcard.com to find out if you qualify for a valuable Balance Transfer offer. It's a fast and easy way to save money) The Discovor(RJ Gik Card is a festive, prep id card that works just like a credit card - at malls, online and most everywhere the Discover Card is welcomed. The Disco er GiFt Card is the perfect gik for everyone and every occasion, so your gik-giving possibilities are endless. And the k of the time you'll save shopping and gikwrapping. Build Your Sa[v ings on YOUR Sched ule)O en a Discover Bank Money Market A ccount and sign up for AutoSavers today) ~ 1~ 1 1 .Sl1Vq Tl1f1gV II'1~ W~IItIgVgr Vl111 WtCI1 F1V tf'!Iq 11 IIIInl7 Wggl(IV Il1.WggIfIV M mnnthlV llgruxlrt IrIfA Vnll~ Ar•nM ~1ItI VICIf ui ~L~ V `K DISCYER Account number ending in 6925 Get added security wi no paper tralil ~_ ~.:;; Make your account information m re secure with I password-protected statements th t only you can access. • Access up to 24 months of do Sign up today at nloadable, printable statements. DlstOV@GCOnl~pttperl@SS • See your statement as soon a iYs available rather than wait for it io arriv in your mailbox. • Get helpful payment reminder through a-mail r ' or text messages on your mob i E v I ,1 le phone. --~---~.. ~ ~ ~ ~~ ..,.....,, ,~, . • Print a paper copy of your eta ement anytime. u2oo9 of:cover nook, Member FDic Closing Date: May 9, 2005 page 2 of 2 Increase Your Cashback Bonus(R) By Payin Your Bills. Getting rewarded for paying your bills has never been easier. Just contact the companies that you pay on a re ular basis to have your bills automatically charged to your Discover Card. Build your Cashback Bonus(R) with each paymen -unlimited earnings without hidden fees. FREE Additional Cards for your Account all w you to share your credit line without sharing your Card. Request FREE Additional Cards far those close to you to h Ip with daily shopping and errands and to use as credit resource in case of emergency. Call 1-800-DISCOVER or visit iscovercard.com/AdditionalCards today. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES ,RATES CAGES CHARGES current billing period: 30 days Purchases $4313.65 0.041073'0 14.9930 V 14.99% $53.15 $0 Cash Advances $0 0.057513'0 20.99% F 20.993'0 $0 $0 The rates that apply to your Account are ei er Fixed (F) or they may vary (V) as noted above. QUeSt10nS? Manage your acc unt at Discover.com or ....11 7_IZAA_111C~'A\/CD 11 411f~ 7 A7 7~0'~1 L7 ~a~V CK $4,214.3 I $85.00 I Enter Amount Enclosed Below Payment Due Date $ July 8, 2005 Please make check Payable to Discover Plating Card or a e ~ Di onli r d p y n scove car .com. 09 SDSN6AOt0002983 KEEPER, RICHARD G Go paperless and make your account information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.com/paperless. PO BOX 71084 Ill~rrllrrrllr~rl~lrr~rrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print hangs in space Irrlillrrlrr~I~Ilrrrlr ' l lll' ~ l ~ ll ~ l l l ~l above, or go toDiscover.com. Print your e- i r rr~ r~r ~~ rr ~r rr rr rr r r~ ail address to receive important Account information and pecial offers. 0000019864585840322 680421437002D0000008500 Discover Platinum Card ccount Summary Closing Date: June 9, 2005 page 1 of 2 Account number ending in ,6925 Previous Balance $4,306.99 Payment Due Date July 8, 2005 Payments And Credits - 200.00 Minimum Payment Due $85.00 Purchases + 52.46 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $785.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Finance Char ems- + 54.92 Cash Credit Available $785.00 __ New Balance ~ $4,214.37 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CC511bQC1C Bcnus® Opening Cashback Bonus Balance $ 21.52 New Cashback Bonus This Period + 0.26 Everywhere Else + 0.00 Cashback Bonus®Since Anniversary Mont Cashback Bonus Balante $ 21 78 January: $6.3 . CONGRATULATIONS( Now that your aw rd is $20 or more, you can redeem it in $20 increments by logging into the Account Ce ter at Discovercard.com or by calling 1-877-YOUR-AWARD f 1-877-968.7292). How Can We Hel You? P 1. visit Discovsr.cem to pay your bdl kr no cost, view our l t t A f d d s a es ccount in ormation, earn an re eem reward and me It's your choice - 3 wcrys to h Ip 2. Call 1-BOaDISCOVER (347-2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) s 3. Write us at Discover Card, PO Box 30943, e reverse side Sah Lake City, UT 84130 Transactions $0 Fraud bility Guarantee Use your Discover Card with confidence. Trans. P st Date D to Payments and Credits May 24 M y 24 PAYMENT -THANK YOU $ -200.00 Mercbandiss/R®tail tun b Ju 6 (TUNES MUSIC STORE 866-712.7753 TX 9.90 Services May 28 M y 28 VERIZON INTERNET SOL 800-567-6789 TX 42.56 Information For You Balance Transfer offer For current billing pe iod: Daily Periodic Rate: 0.054773'0; corresponding ANNUAL PERCENTAGE RATE: 19.999'0. Rate is subject to the term of the offer including expiration. FREE Additional Cards For your Account all w yov to share your credit line without sharing your Card. Request FREE Additional Cards For those close to you to elp with daily shopping and errands and to use as a credit resource in case of emergency. Call 1-800.DISCOVER or visit Discovercard.cam/AdditionalCards today. Now you can save up to 509:a on health ca a by becoming a PIanPIusISM) member. PlanPlus is not insurance and provides discounts on health care products and serve es. PlanPlus can be used with your insurance plan for even greater savings. For information on this valuable membership p gram, visit Discovercard.com/P,IanPlus or call 1-800-527-7783. Call 1-800.767-7315 today or visit Discov rcard.com to Find out if you qualify For a valuable Balance Transfer offer. It's a fast and easy wav to save monevl vi ~J~-' r IC~ ! I ~~SCyER I Account number ending in bY2b Get added security wi no paper trail , ... --~~ ---, Make your account information m re secure with password-protected statements th t only you can access. ~ ,I • Access up to 24 months ofd `'' Sign up today at nloadable, printable statements. 1 1 DISCOVe1:COM~pGpe1'~es5 • See your statement as soon a ii's available I F rather than wait for if to arriv in your mailbox. • Get helpful payment reminds through e-mail or text messages on your mo ile phone. - ,~ ,: • Print a paper copy of your st tement anytime. 02009 Discover Bonk, AAember FDIC Closing Date: June 9, 2005 page 2 of 2 Discover 2G0(R) Card is the FREE compac companion to your Account. You can use it everywhere Discover(R) Card is welcomed. To request yours, call 1-800-DI COVER. Congratulations to the 2005 National Disc ver(R) Card Tribute Award(R) Scholarship winners: Caitlin BarretF, Daniel Cayce, James CraFt, TiFFany Grant, Sameer Gupta, RhaShonda Keehn, Logan Skelley, Paula Quesenberry and Kolby VanNewkirk. Each won $27,500 for post igh-school education or training. Visit Discovercard.com/tribute.htm to learn more. ~I I Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ala c Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4243.19 Cash Advances $0 0.04175% 15.24% V 15.24% $54.92 $0 0.057519'0 20.9990 F 20.99% $0 $0 Ths rates that apply to your Account are sit er Fixed (F) or they may vary (V) as noted above. Questions? Manage your acc unt at Discover.com or rnll 1-ROA-nlSif'AVFR f 1 _ACIt-1_'21 ~rSA'21 V~SC.V tK $4,108.7 I $83.00 I Enter Amount Enclosed Below Payment Due Date August 8, 2005 please make check payable to Discover Plbtinum Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002984 KEEPER, RICHARD G Go paperless and make your account information more secure wRh password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.com/paperless. ~~ PO BOX 71084 Illnrlln~llenl~lunrlll CHARLOTTE NC 28272-1084 4ddress, e-mail or telephone change3 Print hangs in space I~~I~II~~Ii~~I~II~~~I~~I~I~~iIIII~irI~~Ii~I~~lli~'~~I~~I~~~~II above, or go to Discover.com. Print your e- ail address to •eceive important Account information and pecial offers. 000001986458584D322 ~80410873002000000D8300 Discover Platinum Card ccount Summary Closing Date: July 9, 2005 page 1 of 2 Account number ending in 6925 I Previous Balance $4,214.37 Payment Due Date August 8, 200 - 15 Payments And Credits - 200.00 Minimum Payment Due $83.00 Purchases + 42.56 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $891.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 ~, Finance Char es + 51.80 Cash Credit Available $891.00 I New Balance = $4,108.73 Iii You may be able to avoid Periodic Finance Charges, see the ii reverse side for details. CgSI1bCt1C BOttuSe O enin Cashback Bonus Balance $ 21.78 e N w Cashback Bonus This Period '~ + 0.21 Everywhere Else + 0.00 Cashback Bonus® Since Anniversary Month January: $6.56 Cashback Bonus Balance $ 21.99 H H l C W Y ? 1 • .Visit Discover.com to pay your bill for no cost, view your ow an p e e ou latest Account information, earn and redeem rewards and mo It's your choice - 3 WdyS t0 h Ip 2. Call 1.800-DISCOVER (347-2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manage . For TDD (assistance for hearing impaired) s 3. Write us at Discover Card, PO Box 30943, e reverse side Snlt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po t Data D to Payments and Crodits Jun 22 Ju 22 PAYMENT -THANK YOU $ -200.00 Services Jun 28 Ju 28 VERIZON INTERNET SOL 800-567-6789 TX 42.56 Information For You Balance Transfer offer for current billing pe iod: Daily Periodic Rate; 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.999'0. Rate is subject to the term of the offer including expiration. Call 1-877-353-0941 today or visit Discov rcard.eom fo find out iF you qualify Fora valuable Balance Transfer offer. It's a Fast and easy way to save money) Finance Charge Summa Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $4136.62 0.041759'0 15.2490 V 15.243'0 $51.80 $0 Cash Advances $0 0.057519'0 20.9990 F 20.999'0 $0 $0 The rates that apply to your Account are ei er fixed (F) or they may vary (V) as noted above. TRANSFER BALANCES • Call - 1-877-353. 941 today or visit Discovercard.com to see what Balance Transfer rate is nvnilnhla Fnr vnii Pnv nff Innne hills nr to a thnt eiimmwr nwtnwnv It's n fnet nnr• wnev wnv to envy mnnnvl VIJI.V tK ~ July 9, 2005 I Account number ending in 6925 ~ page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversar D te: Januar 9 Balance Previous Cashback Bonus Awa d Balance $ 21.7$ Purchase Award This Period + 0.00 0.21 Cashbac Bonus Awar Total 21.99 Cashback Bonus Award Balanc Award Available to Redeem 21.99 $ 20.00 Restrictions apply to the Cashback Bonus P.c~rtner ofh3rs visit Discowr.com or call 1.800•DISCOVER (1-800-347-2683) For details. For program details, see the Cash ck Bonus ('rogram Terms and Conditions. V~ ~l~V ~K $3,954.0 I $80.00 I Enter Amount Enclosed Below Payment Due Date September 8, 2005 please make check pa able to Discover Platinu d li ~ d C ar or pay on ne Discovercar .com. 09 SDSN8A01 0002985 KEEPER RICHARD G Go paperless and make your account , information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.comlpaperless. PO BOX 71084 Ill~~~ll~~~ll~~~l~l~~~r~lll CHARLOTTE NC 28272-1084 4ddress, e-mail or telephone changey Print hangs in space ~~~I~II~~I~~~lill~i~~i~l~liii~lllriil~iliilii~liil~rliililiill above, or go to Diseover.com. Print your e- ail address to •eceive important Account information and pecial offers. 0000019864585840322 803954070025000D008000 Discover Platinum Card ccount Summary Closing Date: August 9, 2005 page 1 of 2 Account number ending in 6925 Previous Balance $4,108.73 Payment Due Dafe September 8, 005 Payments And Credits - 250.00 Minimum Payment Due $80.00 Purchases + 42.32 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $1,045.00 ~ Balance Transfers + 0.00 Cash Credit Limit $2,500.00 I finance Charges + 53.02 Cash Credit Available $1,045.00 New Balance = $3,954.07 You may be able to ovoid Periodic finance Charges, see the ~I reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 21.99 New Cashback Bonus This Period + 0.21 ~! Cashback Bonus Balance $ 22.20 Cashback Bonus® Since Anniversary Mont. . January: $6.77 CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discovercard:com or call 1.800.DISCOVER to get your shore of America's #1 Cash Rewards Program. How Can We Hel You? P 1. Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and mo It's your choice - 3 ways to h Ip 2• Call 1-800-DISCOVER (347-2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account ManagE For TDD (assistance For hearing impaired) s 3. Write us of Discover Card, PO Box 30943, e reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. - Trans. Po Dots D to Payments and Crodits 1ul 26 Jul 26 PAYMENT -THANK YOU $ -250.00 Services Jul 29 Jul 29 VERIZON INTERNET SOL 800.567-6789 TX 42.32 Information For You Balance Transfer offer for current billing pe iod: Daily Periodic Rate: 0.054779'x; corresponding ANNUAL PERCENTAGE RATE: 19.999'0. Rate is subject to the terms of the offer including expiration. Use your Discover(R) Card with confidence knowing that it has the identity fraud services ranked # 1 by Javelin Strategy & R..ennrnti Yniv nr'r•rnin} ie nrn#nrinrl nnvFi a mm~rt~nrw wilti .Sfl frnivt Iinhilih, rninrnntw~ nnrl wn~Il WWII vnii rinhf nwnv if i~ JLV CK ~! ~ ~ISCVER' ~ Hccount number enamg m ouzo Get added security wit no paper trail - -~;-~-- I Make your account information m re secure with , ,• password-protected statements the only you con access. • Access up to 24 months of do nloadable, !Sign up today at printable statements. i°~ Discovercom/paperless • See your statement as soon os it's available f RP rather than wait for it io arrive in your mailbox. • Get helpful payment reminder through a-mail ~ ~;~ ~`' or text messages on your mob le phone. • Print a paper copy of your sta ement anytime. ~zoo9 o.:cover bank, Member FDIC I I I losing Date: August 9, 2005 page 2 of 2 I i i ~I i ~,I i Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily B ces Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE R9tes RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4030.08 0.04244% 15.499 V 15.499 $53.02 $0 Cash Advances $0 0.057519e 20.999e F 20.999'0 $0 $0 .The rates that apply to your Account are ei er fixed (F) or they may vary (V) as noted above. QueStionS? Manage your ac unt at Discovercom or ,.,.n ~s~nn_ntcrnvco r~ ann ~~ ~.caot V ~I~L~V tK $3,019.8 $61.00 ~ Enter Amount Enclosed Below Payment Due Date October 8, 2005 please make check payable to Discover Platinui Card or pay online ~ Discovercard.com. D9 SDSN6AOt OOD2986 KEEPER, RICHARD G Go paperless and make your account information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070 1458 Leammoreatdiscover.corn/paperless. PO BOX 71084 Illeeelleeelleeeleleeeeelll CHARLOTTE NC 28272-1084 4ddress; e-mail or telephone change8 Print hangs in space I~~I~'I~~I~~~I~'I~~~I~~I~I~~~IIII~~~Ii~I~~I~~lle1li~~i~I~I~~~l Sbove, or go to Discover.com. Print your e• ail address to ~eceive important Account information and peciol offers. OD00019864585840322 8030198001DODDD0006100 Discover Platinum Card ccount Summary Closing Date: September 9, 2005 page 1 of 1 Account number ending in 6925 Previous Balance $3,954.07 Payment Due Date October 8, 2 5 Payments And Credits 1,000.00 Minimum Payment Due $61.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $1,980.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 65.73 Cash Credit Available $1,980.00 New Balance = $3,019.80 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 22.20 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 22.20 ~ Cashback Bonus®Since Anniversary Mont• January: $6.7 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER to get your share of America's #1 Cash Rewards Program. How Can We Hel YOU? P 1 • Visit Discover.com to pay your bill for no cost, view your l t t A i ti f d d d d IteS )/OUl' CIlO1Ce - 3 WC1~/S t0 Il a es ccount n orma on, earn an re eem rewar s an mo Ip 2. Ca11 1-BOaDISCOVER (347-2683) for fast, easy self-service Please have your' Discover Card available. options or to speak with a Customer Service Account Manage For TDD (assistance For hearing impaired) s 3. Write us of Discover Card, PO Box 30943, e reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. s D D t ate I s Payments and Creditc Aug 29 A g 29 PAYMENT -THANK YOU $ -1,000.00 Information For You - Balance Transfer offer for current billing pe iod: Daily Periodic Rate: 0.054773'0; corresponding ANNUAL PERCENTAGE RATE: 19.993:0. Rate is subject to the term of the offer including expiration. Finance Charge Summa Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3600.84 0.058889'0 21.49% V 21.499'0 $65.73 $0 Cash Advances $0 0.057519'0 20.99% F 20.993e $0 $0 The rates that apply to your Account are sit er fixed (FI or they may vary (V) as noted above. VI ,LV tK $2,067.6 $42.00 ~ Enter Amount Enclosed Below Payment Due Date November 8, 2005 please make check payable to Discover Platini Card or pay online ~ Diseovercard.com. 09 SDSN6A01 00029t17 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can.access. NEW CUMBERLND PA 17070 1458 Learn more at discover.cornfpaperless. PO BOX 71084 ~~~~~~~~~~~~~~~~~~~~~~~~~~~ CHARLOTTE NC 28272-1084 Address, email or telephone change3 Print hangs in space I~~I~II~~I~~~IiI~~~~I~~~~I~~~IIII~~~I~~I~~I II I I I I II above, or go to Discover.com. Print your a ~~ ~~ ~~ ~i ~ ~~ ail address to receive important Account information and pecial offers. 0000019864585840322 80206766010D0000004200 Discover Platinum Card ccount Summary Closing Date: October 9, 2005 page 1 of 2 Account number ending in .6925 Previous Balance $3,019.80 Payment Due Date November 8, 005 Payments And Credits 1,000.00 Minimum Payment Due $42.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $2,932.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 47.86 Cash Credit Available $2,500.00 New Balance _ $2,067.66 You moy be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 22.20 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 22.20 Cashback Bonuses Since Anniversary Mon January: $6.77 How Can We Hel You? P 1. visit ~iscevsr.com to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and me IfrS yOUC ChOICe - 3 Ways t0 h Ip 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manage for TDD assistance for hearin im aired s ( g p ) e reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130. Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po t Date D Paymsnta and Credits Sep 29 Se 29 PAYMENT • THANK YOU $ •1,000.00 Information For You Balance Transfer offer for current billing per od: Daily Periodic Rate: 0.054773'0; corresponding ANNUAL PERCENTAGE RATE: 19.999e. Rate is subject to the terms of the offer including expiration. Hey, Juniors) We are searching For outstare ing, high school juniors to apply for the Discover(R) Card Tribute Award(R) Scholarship Program. Scholarships will be warded to high school juniors who have excelled beyond academics. To Find out more, visit our website at vvww.Discove card.com/tribute.htm. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Ba antes . Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2678.27 0.059569'0 21.7490 V 21.74% $47.86 $0 Cash Advances $0 0.057519'0 20.9990 F 20.99% $0 $0 The rates that apply to your Account are sit er fixed (F) or they may vary (V) as noted above. VIJCsV tK Cashback Bonus Ottoi)er 9, 2005 ~ Hccounr number enaing m ovt~ page 2 of 2 Award Summary Cashback Bonus Anniversa D te: Janua 9 Balance Previous Cashback Bonus Awar Balance $ 22.20 Purchase Award This Period + 0.00 Cashback Bonus Award Balc Award Available to Redeem Restr(ctions apply to th~ Cashback B~ details. For program etails, see the 22.20 $ 20.00 offers visit Dixowr.com or call 1-800•DISCOVER (1-800.347-2683) for onus ('rogram Terms and Conditions. V ,~r V C ~'( 52,005. 2 I $41.00 I Enter Amount Enclosed Below Payment Due Date December 8, 2005 please make check payoble fo Discover Platim Card or pay online ~ Discovercard.com. 09 SDSN8A010002988 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST Information more secure month password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.comlpaperless. PO BOXi 71084 )~~rn~~ni~~ur~r~unr~~~. CHARLO TE NC 28272-1084 Address, e-mail or telephone change$ Print above, or go to Discover.com. Print your e- hangs in space ~rrl~~~rrlrr IrII~r~~r~IiI~~~Il~lirrl~~lirlirllir~ir~ri~r~ir~~ ail address to receive important Account information and i pecial offers. i 0000019864585840322 i 68020052200100000~04100 i Discover Platinum Card ccount Summary Closing Date: N~vember 9, 2005 page 1 of 1 Account number ending in 6925 ~I Previous Balance ~ $2,067.66 i Payment Due Date December 8, 005 Payments And Credits - 100.00 Minimum Payment Due $41.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0 00 Credit Available $2,994.00 II i . Balance Transfers I + 0.00 I Cash Credit Limit $2,500.00 Finance Charges I + 37.56 Cash Credit Available $2,500.00 New Balance ~- _ $2,005.22 You may be able t avoid Periodic Finance Charges, see the ~ 'i i reverse side for det ils. i Cashback Bonuse Opening Cashbac Bonus Balance $ 22.20 New Cashback Bo us This Period + 0.00 Cashback Bonus Balance $ 22,20 Cashback Bonus® Since Anniversary Mont January: $6.77 i CONGRATULATIONSI Your Cashback Bonus~R) is waiting for you. Visit ~ Discovercard.com or call 1.800-DISCOVER to get your share of America's #1 Cash Rewards Program. How Can We Hel You? P 1 • Visit Discover.com to pay your biU for no cost, view our latest Account information, earn and redeem rewords and me ~t'S your choice - 3 ways to h Ip 2. Call 1-800•DISCOVER (347-2683) For Fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manage For TDD assistance For hearin im aired s ~ g p ) e reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li bflity Guarantee Use your Discover Card with confidence. Trans. Po t Date D Payments and Crodits Oct 25 O t 25 PAYMENT -THANK YOU $ -100.00 Information For You Balance Transfer offer for current billing per od: Daily Periodic Rate: 0.00795%; corresponding ANNUAL PERCENTAGE RATE: 2.909'x. Rate is subject to the terms f the offer including expiration. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily B nces Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2034.39 0.05956% 21.74% V 21.74% $37.56 $0 Cash Advonces $0 0.057519'0 20.9990 F 20.99% $0 $0 The rates that apply to your Account are ei er fixed (F) or they may vary IV) as noted above. it V~,(~,(~y.;'V CK $1,941,OQ $I 39.00 I Enter Amount Enclosed Below Payment Due Date--1 ~I January 8, 2006 please make check pa able to Discover Platinum j Card or pay online ~ Discovercard.com. 09 SDSN8AD10002989 ', KEEPER, RICHARD G Gopaperlessandmakeyouraccount information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.comlpaperless. ', PO BOX 71084 ~~~ui~~ni~~nr~r~~un~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print~hange in space 'ii~~~~ir~iii~~~~~u~~i~i~in~~~~n~~i~~ii~ii~~ii~~i~~i~~~i~~~ above, or go to Discover.com. Print your e• ail address to receive important Account information and #pecial offers. 00000198645858403221~8019410000100000003900 I~I Discover Platinum Card /#-ccount Summary ', Closing Date: December 9, 2005 page 1 of 1 Account number ending in 6925 ', Previous Balance $2,005.22 Payment Due Date January 8, 206 Payments And Credits - 100.00 Minimum Payment Due $39.00 Purchases + 0.00 Credit Limit $5,000.00 ~~, Cash Advances + 0.00 Credit Available $3,059.00 ~, Balance Transfers + 0.00 Cash Credit Limit $2,500.00 ', finance Char9sa + 35.78 Cash Credit Available $2,500.00 ~, New Balance $1,941.00 You may be able to avoid Periodic Finance Charges, see the i reverse side for details. ' CQShbatk 130nUS® Opening Cashback Bonus Balance $ 22.20 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 22.20 Cashback Bonus® Since Anniversary Month January: $6.771, CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit ' ~ Discovercard.com or call 1-800-DISCOVER to get your share of America's #1 Cash j Rewards Program. How Can We Hel You? ! P 1 • Visit Discoveneam to pay your bbl for no cost, view our l A f s ' atest ccount in ormation, earn and redeem reward and m ~t S your choice - 3 ways to h ~lp 2. Call 1-800-DISCOVER (347-2683) for (ast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) s 3. Write us at Discover Card, PO Box 30943, e reverse side Salt Lake City, UT 84130 Transactions $0 fraud Li bflfy Guarantee Use your Discover Card with confidence. Trans. Po t DaM Da Payments and Credits Nov 27 N v 27 PAYMENT -THANK YOU $ -100.00 Information For You Balance Transfer offer for current billing per od: Daily Periodic Rate: 0.00795°; corresponding ANNUAL PERCENTAGE RATE: 2.90%. Rate is subject to the terms f the offer including expiration. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $1979.34 0.060253'° 21.99% V 21.999'° $35.78 $0 Cash Advances $0 0.057519:° 20.999'° F 20.999'° $0 $0 The rates that apply to your Account are eit er fixed (F) or they may vary (V) as noted above. ore Jl.' V CK 52,857.6 I $58.00 Enter Amount Enclosed Below Payment Due Date February 8, 2006 please make check payable to Discover Platim Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002990 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.comlpaperless. PO BOX 71084 Ill~~rll~~~llrrrl~lr~~~rlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print hangs in space I~ l ll l l ll l ~ l ll~~ l l ~ ll l ~ l l ll above, or go to Discover.com. Print your e• ~ i ii ~~~ ~ i~i ~i ~ ~~~ iii ~~ ~i ~i ii ~~ ~i i ~~ ail address to receive important Account information and pecial offers. 0000019864585840322 8028576300150000005800 Discover Platinum.. Card ccount Summary Closing Data: January 9, 2006 page 1 of 2 Account number ending in 6925 Previous Balance $1,941.00 Payment Due Date February 8, 2 6 Payments And Credits - 150.00 Minimum Payment Due $58.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $2,142.00 Balance Transfers + 1,000.00 Cash Credit Limit $2,500.00 Finan_c_s Charges + 66.63 Cash Credit Available $2,142.00 New Balance = $2,857.63 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonus® Opening Cashbock Bonus Balance $ 22.20 New Cashbock Bonus This Period + 0.00 Cashbock Bonus Balance $ 22.20 Cashbock Bonus® Since Anniversary Month January: $6.77 ~/ How Can We Hel 1 oV? P 1 • Visit Discover.com to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redeem rewards.and me It's your choice ' 3 Ways t0 h Ip 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 Manage For TDD (assistance For hearing impaired) s e reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li bflity Guarantee Use your Discover Card with confidence. Trans. Po Dais Da Payments and Crodita Dec 21 De 21 PAYMENT -THANK YOU $ -150.00 Balance Transfers Dec 23 De 23 BALANCE TRANSFER CHECK ACH 0387 1,000.00 Dec 23 De 23 BAL TRANS TRANSACTION FEE FINANCE CHARGE 30:00 APR 2.903'° EXPIRES 04/2006 CARD SVC CENTER Information For You Balance Transfer offer for current billing peri d: Daily Periodic Rate: 0.027129'°; corresponding ANNUAL PERCENTAGE RATE: 9.909'0. Rate is subject to the terms o the offer including expiration. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1861.51 0.06093% 22.249'° V 22.249'° $35.16 $0 Cash Advances $0 0.057519'° 20.99°1.° F 20.99% $0 $0 Balance Transfers $598.46 0.007959'° 2.909'° F 37.769'° $1.47 $30.00 The rates that apply to your Account are sit r fixed (F) or they may vary (V) as noted above. u~a~,~.~W~K January 9, 2006 /'account number ending m ovz~ page 2 of 2 Cashback Bonus ~' Award Summary Cashback Bonus Anniversa D te: Janua 9 Balance Previous Cashback Bonus Awa d Balance $ 22.20 Purchase Award This Period + 0.00 Cashbac Bonus Awar Total 22.20 Cashback Bonus Award Balc Award Available to Redeem Restrictions apply to the Cashbac details. For program details, see 22.20 $ 20.00 offers visit Discover.com or call 1-800-DISCOVER (1.800-347.2683) For onus program Terms and Conditions. ui J~.VCK $2,744. $55.00 I Enter Amount Enclosed Below 7 Payment Due Date ~ r March 8, 2006 please make check payyable to Discover Platim Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002991 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.com/paperless. Po BOX 71084 IIL~r11rrJ1~rJJr~~r~lll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print above, or go to Discover.com. Print your e• hangs in space IriIIIIrIIriilrl~rrrl~ililrrrl'IIilr~rrlrrlrrll11111Iiilrlrrll ail address to receive important Accovnt information and pecial offers. 0000019864585840322 68027447000150000005500 Discover Platinum Card ccount Summary Closing Date: February 9, 2006 page 1 of 1 Account number ending in 6925 Previous Balance $2,857.63 Payment Due Date March 8, 200 Payments And Credits - 150.00 Minimum Payment Due $55.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $2,255.00 Balance Transfers + O,QO Cash Credit Limit $2,500.00 Finan <e Charges + 37.0 7 Cash Credit Available $2,255.00 i _ _ New Balance $2,744.70 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 22.20 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 22.20 Cashback Bonus®_Anniversory Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER to get your shore of America's # 1 Cash Rewards Progrom. How Can We Hel YOU? P 1 • Visit Discowr.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and me It's your choice - 3 ways to h Ip 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 Manage For TDD assistance For hearin Im Ired s ( 9 Pa ) e reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li bflfty Guarantee Use your Discover Cord with confidence. Trans. Po t Date Da Payments and Crodits tan 18 Ja 18 PAYMENT -THANK YOU $ -150.00 Information For You Balance Transfer offer For current billing per od: Daily Periodic Rate: 0.027129e; corresponding ANNUAL PERCENTAGE RATE: 9.909'0. Rate is subject to the terms F the offer including expiration. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily alan a Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1842.95 0.06093% 22.2490 V 22.249:0 $34.61 $0 Cash Advances $0 0.05751'0 20.999:0 F 20.99% $0 $0 Balance Transfers $921.29 0.007959'0 2.909'0 F 2.90% $2.26 $0 The rates that apply to your Account are sit er Fixed (F) or they may vary (V) as noted above. Discover Card ranked #1 in Fraud Protectio Services among the largest credit card companies by Javelin Strategy & Rwcwnrrti in iie 9(1(15 ronnrf Vnnr n.-r`nnnf i nrn4nrTnrl nmAimn r.n.nul.ar~ u.i1L. rr Rr1 r.n~~..l li.,l.iliti............+-- ,.,....t .....III ..,.11 UIJC.~~ V tK $3,097.9Q $62.00 _ Payment Due Date April 8, 2006 09 SDSN6A01 0002992 Enter Amount Enclosed Below $~ Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. KEEPER, RICHARD G uo papeness ana maKe your account information more secure Huth password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.comlpaperless. I PO BOX 71084 Illrrrllr~rll~~~l~l~~rr~lll CHARLOTTE NC 28272-1084 Address, email or telephone chaageR Print hangs in space I~ilil~~il~iili~liiili~lilii~llll~ii~~il l ll l l l l ll above, or go to Discover.com. Print your a ii ii ~~ ~i ~i i ii ail address to receive important Account information and pecial offers. 0000019864585840322 I ,8030979000200000006200 I Discover Platinum Card ~ ccount Summary II Closing Date: March 9, 2006 page 1 of t Account number ending in 6925 Previous Balance $2,744.70 Payment Due Date April 8, 2006 it Payments And Credits - 200.00 Minimum Payment Due $62.00 'i Purchases + 0.00 Credit limit $5,000.00 'I Cash Advances + 500.00 Credit Available $1,902.00 I~ Balance TronsFers + 0.00 Cash Credit Limit $2,500.00 II Finance Charges + 53.20 Cash Credit Available $1,902.00 ii New Balance $3,097.90 II You may be able to avoid Periodic Finance Charges, see the i reverse side For details. Cashback Bonus® i Opening Cashback Bonus Balance $ 22.20 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 22.20 Cashback Bonus® Anniversary Month: January 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? P 1 • Visit Discowsr.cem to pay your bill for no cost, view ur l A f d ~° atest ccount in ormation, earn an redeem reward and me It's your choice - 3 ways to h Ip 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 Manage For TDD (assistance for hearing impaired) s 3. Write us at Discover Card, PO Box 30943, e reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Gard with confidence. Trans. Po Date Da Payments and Credits Feb 19 Fe 19 PAYMENT -THANK YOU ~ .200,00 Cash Advances Feb 24 Fe 24 CASH ADV CHECK EXP BT ACH #0368 500.00 Feb 24 Fe 24 CASH ADVANCE TRANS FEE FINANCE CHARGE 15.00 MBNA/IBS Finance Charge Summa Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Ratey RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $1876.54 0.06162% 22.49% V 22.49% $32.38 $0 Cash Advances $258.46 0.05751% 20.9996 F 45.98% $4.16 $15.00 BalanceTransFers $748.85 0.00795% 2.90% F 2.90% $1.66 $0 The rates that apply to your Account are sit er fixed (F) or they may vary (V) as noted above. Starting March 25 visit Diseovercard.com o call 1-800.DISCOVER (1.800-347 -2683) to sign up for our next Get More nrmm~ti~n to naf .5% C'netihrrrk RnnnefR) nn 11 nne ~nrl CAIAP} fll l+ll MIRI1fICAt ml'1(fA AF InrnNnna li4a Aufn7nnnlRl Pwn Rnva r- _~ ~,L V CK $24.64 I $15.00 I Enter Amount Enclosed Below Payment Due Date $ ~- May 8, 2006 please make check payYable to Discover Platir Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002993 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- NEW CUMBERLND PA 17070 protected statements only you can access. -1458 .Learn more at discover.com/paperless: PO BOX 71084 Illnrllnrllrrrlslsnrrlll Address, e-mail or telephone change$ Print CHARLDTTE NC 28272-1084 hangs in space above, or go to Discover.com. Print your e- (i~~~ll~~'~~~I~~I~~~'I~'~I~~~IIII~~~I'~I~~I11~I"I~~I"~'I"II ail address to receive important Account information and pecial offers. 0000019864585840322 8000246403100000001500 Discover Platinum Card ccount Summary Closing Date: April 9, 2006 page 1 of 2 Account number ending in 6925 Previous Balance $3 097 90 Payment Due Date May 8, 2006 , . Payments And Credits - 3 100 00 Minimum Payment Due $15.00 , . Purchoses + 0 00 Credit Limit $5,000.00 . Cash Advances + 0 00 Credit Available $4,975.00 . Balance Transfers + 0 00 Cash Credit Limit $2,500.00 . Fin a nce Char~ss + 26 74 Cash Credit Available $2,500.00 _ _ __ . New Balance $24.64 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CCSI160tIC BOnUS® Opening Cashback Bonus Balance $ 22.20 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 22.20 Cashback Bonus® Anniversary Month: January How Can We Hel You? P ' 1 • Visit Discover.cam fo pay your 6RI for no cost, view our latest Account information earn and redeem rewards and mo It s your choice - 3 ways to h , Ip 2. Call 1-800-DISCOVER (347-2683) For fast eas selFservice Please have your Discover Card available. , y options or to speak with a Customer Service Account Manage For TDD (assistance For hearing impaired) se reverse side 3' Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 TranSCCtIOnS $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Pos Dais Da Payments and Crodits Mar 28 Ma 28 PAYMENT -THANK YOU $ -3,100.00 Information For You Balance Transfer offer For current billing peri d: Daily Periodic Rate: 0.046559'0; corresponding ANNUAL PERCENTAGE RATE: 16.999'0. Rate is subject to the terms f the offer including expiration. DISCOUNTED MOVIE TICKETSI Visit The ovie Club at www,cinemaseatsinc.com/discover to purchase movie tickets good of major theatres across the U.S. Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lances Rates RATES RATES CHARGES CHARGES =urrent billing period: 31 days 'urchases $1053.96 ash Advances $302.76 0.062309'° 22.749'o V 22.749'0 $20.36 $0 0.057519° 20.999a F 20.999'0 $5 40 $0 3alance Transfers $397.68 . 0.007959'0 2.909'° F 2.909'0 $0.98 $0 f'he rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. Manage your account your way - whether y ':nrrl hne ihw rinhh nrrnnn+ mnnn h li u prefer to speak with a live person or manage things on your own, Discover(R) F ' ` nmm~n nn ~ ne nr vroi ( nll 1-Arlrl_t11C~ f1\/FA ILRl1l1 7A7 9An 71 ... .d.t~ r1i..........,....,J .,,,,,, wm VIJL,~V ~K _ April 9, 2006 Account number ending in OYL~ page 2 of 2 Cashback Bonus Award Summa Cashback Bonus Anniversa ate: Janua 9 Previous Cashback Bonus Awa d Balance Purchase Award This Period Cas bac Bonus Awar Total Cashback Bonus Award Balanc~ 22.20 Award Available to Redeem li $ 20.00 i i ~i ~I Restrictions apply to thQ Cashback Bonus Pa ner offers visit Dixover.com or call 1-800-DISCOVER (1-800-347-2683) For details. For program details, see the Cashb ck Bonus program Terms and Conditions. $ 22.20 + 0.00 ' Balance tIJ~,.Y CK 5799.58 I $16.00 I Enter Amount Enclosed Below Payment Due Date ~ ~- June 8, 2006 please make check payable to Discover Platir Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002994 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST Information more secure with password- NEW CUMBERLND PA 17070 protected statements only you can access. -1458 Learn more at discover.comlpaperless. PO BOX 71084 ~~~nr~~m~~nr~r~nnr~~~ Address, e-mail or telephone changet' Print CHARLOTTE NC 28272-1084 hangs in space above, or go to Diseover.com. Print your e• I~~I~I'~~I~~~~~II~~~~~~I~Ii~~II~I~~~I~~I~~I„'I11I11I11I'I"II ail address to receive important Account information and pecial offers. 0000019864585840322 6800799580003000000160D Discover Platinum Card ccount Summary Closing Date: May 9, 2006 page 1 of 2 Account number ending in 6925 Previous Balance $24 64 Payment Due Date June 8, 2006 . Payments And Credits. - 30 00 Minimum Payment Due $16.00 . Purchases + 804 94 Credit Limit $5,000.00 I . Cash Advances + 0 00 Credit Available $4,200.00 '! . Balance Transfers + 0 00 Cash Credit limit $2,500.00 i! . Financ e Chargss + 0 00 Cash Credit Available $2,500.00 ! _ __ _ . New Balance _ $799.58 You may be able to avoid Periodic Finance Charges, see the ! reverse side for details. CGShbC1Ck WntIS® ! Opening Cashback Bonus Balance $ 22,20 ! New Cashback Bonus This Period 59o Cashback Bonus + 6.25 Cashback Bonus® Since Anniversary Month Everywhere Else + 1.70 January: $7 95 Cashback Bonus Balance $ 30.T5 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? P 1 • Visit Discover.com to pay your bill for no cost, view your It's your choice - 3 ways to h latest Account information, earn and redeem rewards and mo Ip 2. Call 1-800-DISCOVER (347-2683) For Fast eas selFservice Please have your Discover Card available. , y options or to speak with a Customer Service Account Manage For TDD (assistance For hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 fraud li bflfty Guarantee Use your Discover Card with confide c Trans. Po n e. Date Da Payments and Crodits Apr 20 Ap 20 PAYMENT -THANK YOU $ -30.00 Gasoline May 2 Ma 2 EXXONMOBIL P7H0494 LEMOYNE PA 32.08 180 965 581 2 May 3 Ma 3 EXXONMOBIL P7H0560 LEMOYNE PA 32.92 180 965 581 2 May 4 Ma 4 EXXONMOBIL P7H0628 LEMOYNE PA 28 47 . 180 965 581 2 May 5 Ma 5 EXXONMOBIL P7H0703 LEMOYNE PA 31.59 180 965 581 2 Automotive May 1 Ma 1 RANDYS SMALL ENGINE NEW CUMBERLANPA 679,gg Information For You Balance Transfer offer for current billing peri d: Daily Periodic Rate: 0.046559e; corresponding ANNUAL PERCENTAGE RATE: 16.995'x. Rate is subject to the terms f the offer including expiration. gum u 1~JLr-ham' V CK ~ DISCOVER Account number entling m OY'LD Get added security wi no pa er trail -- - --- ~ p - ;-~.: , Make your account information m re secure with password-protected statements the only you can access. • Access up to 24 months of do nloadable, ~ Sign up today at printable statements. ?;!, DtsCOVeGC0t11~pgperl@sS • See your statement as soon as it's available !' rather than wait for it to arrive in your mailbox. • Get helpful payment reminder through a-mail r'' or text messages on your mob le phone. ' ,. • Print a paper copy of your sta ement anytime. 02009 Discrner bank, Member FDIC Closing Date: May 9, 2006 page 2 of 2 Let your Discover(R) Card pay your monthly ills, and you II have more kee time and a clearer picture of your monthly spending. Simply contact your service prov ders today to set up regular automatic payments with your Discover Card and start building your Cashback Bonus(R) even I I I I star. Finance Charge Summa Average Dail Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee P i di PERCENTAGE PE y a e er o c RCENTAGE FINC~~S FINCH GES Rates RATES RATES current billing period: 30 days Purchases $0 0.06230% 22.7490 V 22.74% $0 $0 Cash Advances $0 0.057519'0 20.9990 F 20.99% $0 $0 previous billing period: 31 days Purchases $0 0.06230% 22.749e V 22.749'0 $0 none the rates that apply to your Account are eith r fixed (F) or they may vary N) as noted above. QUeStIOnS~ Manage your acc unt at Discover.com or ~ryll ~-Rnn-ntcrnvFQ I1_Rnn_~.1~_ /~RZ1 IJ~JC..~V CK $1,122.41 I $34.00 I Enter Amount Enclosed Below Payment Due Date July 8, 2006 please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 09 SDSN6A01 0002995 KEEPER, RICHARD G ' Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070!-1458 Learn more at discover.comJpaperless. Account number ending in 6925 PO BOX 71084 Illrrrllrrrllrrrlrlrrrulll CHARLOTTE NC 28272-1084 Address, e-moil or telephone change$ Print Change in space ~rrlrllrrlrrrlrllirrliilrlrrrlllliri~rrlrrlirl~rrlrrlirlilrrll above, or go fo Discover.com. Print your e•rjnail address to receive important Account information and gpecial offers. 0000019864585840322168011224100100000003400 Discover Platinum Card Account Summary Closing Date: June 9, 2006 page 1 of 2 Payment Due Date July 8, 2006 Minimum Payment Due $34.00 Credit Limit $5,000.00 Credit Available $3,877,00 Cash Credit limit $2,500.00 Cash Credit Available $2,500.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashback Bonus® Since Anniversary Month January: $27.90 CONGRATUTATIONSI Your Cashback Bonus(R) is waiting for you. Visit Diseovercard.com or call 1.800.DISCOVER (1-800.347.2683) to get your share of America's #1 Cash Rewards Program. Previous Balance $799.58 Payments And Credits - 100.00 Purchases + 398.84 Cash Advances + 0.00 Balance Transfers + 0.00 Fin_oncs Charles + 23.99 New Balance $1,122.41 Opening Cashback Bonus Balance $ 30.15 New Cashback Bonus This Period 5°o Cashback Bonus + 19.95 Everywhere Else + 0.00 Cashback Bonus Balance $ 50.10 How Can We Hel YOU? 1 ~ Visit Discover.cem to pay your bill for no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800.DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) sere reverse side 3' Write us at Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Lic)bility Guarantee Use your Discover Card with confidence. Trans. Pos~ Daro Dat{s Payments and Credits May 31 Ma~ 31 PAYMENT • THANK YOU Gasoline May 9 Ma~ 10 EXXONMOBIL P7H0966 LEMOYNE PA 180 965 581 2 May 12 Ma~ 12 EXXONMOBIL P7H0185 LEMOYNE PA 180 965 581 2 EXXONMOBIL P7H0424 LEMOYNE PA 180 965 581 2 EXXONMOBIL P7H0559 LEMOYNE PA 180 965 581 2 EXXONMOBIL P7H0781 LEMOYNE PA 180 965 581 2 EXXONMOBIL P7H0902 LEMOYNE PA 180 965 581 2 EXXONMOBIL P7H0992 LEMOYNE PA 180 965 581 2 EXXONMOBIL P7H0074 LEMOYNE PA 180 965 581 2 EXXONMOBIL P7H0431 LEMOYNE PA 100.00 31.82 35.91 May 16 May 18 May 21 May 23 May 24 May 25 May 16 Ma 18 Ma 21 Ma 23 Ma 24 Ma 25 May 30 May 30 33.81 33.70 36.03 30.81 28.74 28.73 39.88 Get set for Fall. Get 596 Cashback Bonus(R). Use your Card July to September at Gap, Kohl's, Marshalls(R), TJ.Maxx(R), Pmm~us Fnnfwnnr TM f)rall TM rlFFirn tlnnni Rl (lffi,-vAA„~fR1 Rb..,lee I inane ~„ Th6,...101 Dte. 1 L...,...~.IC1 ,..,.1 ,,.. +,,;+;,,,, ~1i7`,~:'' M CIC DISCVER~ Hccounr numoer enamg in onto Get added security wi no paper trail p~ :~ : Make your account information m ~ re secure with password-protected statements the only you can access. i' F • Access up to 24 months of do nloadable, Sign up today at printable statements. ~~~~ DisCOVef:COm~paperleSS • See your statement as soon as ,' iYs available ~' • rather than wait for it to arrive in your mailbox. I • Get helpful payment reminder through a-mail `' `.~~~ ~~ xrr>. or text messages on your mob le phone. -r~---F. ' ~~~, • Print a paper copy of your sta ment anytime. o 2009 Discover bank, Member FDIC Closing Date: June 9, 2006 page 2 of 2 Gasoline 180 965 581 2 May 31 M, 31 EXXONMOBIL P7H0499 LEMOYNE PA 35.86 180 965 581 2 tun 2 Jun 2 EXXONMOBIL P7H0649 LEMOYNE PA 35.44 180 965 581 2 Jun 6 Jun 6 EXXONMOBIL P7H0914 LEMOYNE PA 28.11 180 965 581 2 Information For You Balance Transfer offer For current billing peri d: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms o the offer including expiration. Congratulations to the 2006 National Disco er(R) Card Tribute Award(R) Scholarship winners: Jacqueline Bavier, Stephen Carlson, Winter Downing, Tyler Fortney, Be any Lyon, Monika Mackow, Desiree Nelson, Seth Robinson, William Stone, and Tess Stoops. Each won $27,500 for p sthiglyschool education or training. Visit Discovercard.com/tribute Discovercard.com provides you with the eas est online self-service options that put you in control of your account. Make a payment today orsehedule one in advance. Sign up for timely e-mail reminders to help you avoid fees. Easy account management is just a click away) Register r log in to Discovercard.com/register Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a a ces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1008.54 Cosh Advances $0 0.06299% 22.99% V 22.99% $19.69 $0 0 0 previous billing period: 30 days . 5751 % 20.99% F 20.99% $0 $0 Purchases $230.10 0.06230% 22.749b V 22.74% $4.30 none the rates that apply to your Account are eith r fixed (F) or the ma va (V) t d b y y ry as no e a ove. QUeStlOnS? Manage your acco nt at Discover com or ~r,n ,I.ssnn.nlcrnvFQ tl_a~n_~,t~_ . /,fi'tl V~J~rr. `~V CK 53,082.15 I $62.00 I Enter Amount Enclosed Below Payment Due Date ~ -~ August 8, 2006 Please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. 09 SDSN6A010002996 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070.-1458 Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your a-mail address to receive important Account inFormation and bpecial 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 Ill~~~ll~~rllr~rl~lr~n~lll CHARLOTTE NC 28272-1084 ~~i~l~~n~nlll~~ni~u~ilui~~~~ni~n~u~u~~n~u~ll~l~n~~ 0000019864585840322168030821500100000006200 Discover Platinum Card Account Summary Closing Date: July 9, 2006 Account number ending in 6925 Payment Due Date August 8, 20015 Minimum Payment Due $62.00 Credit limit $5,000.00 Credit Available $1,917,00 Cash Credit Limit $2,500.00 Cash Credit Available $1,917.00 page 1 of 3 Previous Balance $1,122 41 Payments And Credits 140.00 Purchases + 219.91 Cash Advances + 0.00 Balance Transfers + 1 800 00 Finance Charges + 79.83 _ New Balance _ _ $3,082.15 Yov may be able to avoid Periodic Finance Charges, see the reverse side for details. CQSItbdC1C BOOUSe Opening Cashback Bonus Balance $ 50 10 . New Cashback Bonus This Period 5%Cashback-Bonus + 11.01 Cashback Bonus®Since Anniversary Month' Everywhere Else + 0.00 Redeemed This Period - 40.00 January: $38.91 Cashback Bonus Balance $ 21.11 How Can We Hel YOU? ' P ' 1 • Visit Discoveacom to pay your bill for no cost, view our latest Account information earn and redeem rewards and It s your choice - 3 ways to help , more 2. Call 1-800.DISCOVER (347-2683) for Fast eas self s i Please have your Discover Card available. ', , y - erv ce options or to speak with a Customer Service Account Manager For TDD (assistance For hearing impaired) se{9 reverse side i 3' Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 I ransactions Payments and Crodits Award and Rebate Crodits Gasoline Balance Transfsr~ $0 Fraud Lidbility Guarantee Use your Discover Card with conFidence. Tram. Post Dah DaK Jun 15 Jun '15 1ul 2 Jul 2 PAYMENT -THANK YOU Jun 25 Jun RS REWARD REDEMPTION CREDIT Jun 9 Jun ',10 EXXONMOBIL P7H0151 LEMOYNE PA tun 20 Jun 22 tun 27 Jun 29 Jun 30 Jul 5 Jul 5 Jun ;20 Jun ~2 Jun ,27 Jun 9 Jun 0 Jul 5 1ul 5 Sign up now and get 59o Cashback Bonu essentials. Visit Discovercard rnm nr ~nll 180 965 581 2 EXXONMOBIL P7H0552 LEMOYNE PA 180 965 581 2 EXXONMOBIL P7H0910 LEMOYNE PA 180 965-581. 2 EXXONMOBIL P7H0048 LEMOYNE PA 180 965 581 2 EXXONMOBIL P7H0399 LEMOYNE PA 180 955 581 2 EXXONMOBIL P7H0530 LEMOYNE PA 180 965 581 2 EXXONMOBIL P7H0617 LEMOYNE PA 180 965 581 2 CAPITAL ONE XXXXXXXXXXXX3715BT MO BAL TRANS TRANSACTION FEE FINANCE CHARGE APR 9.90go EXPIRES 1 1 /2006 100.00 -40.00 28.70 35.24 33.90 32.79 28.71 35.36 25.21 1,800.00 54.00 the Gat More program when you use your Discover(R) Card to buy fall J.Sf (IVFR I1_AlNLZA7.9AA41 ul5 fir`=:~~' Y CR I i I p~SCV~R ~ Account pumper enamg In ov~o Get added security wit no paper trail ;~ ~- ~ , Make your account information m re secure with password•protected statements the only you can access. ~ • Access up to 24 months of do ~` Sign up today at nloadable, (? ' printable statements. Discover.com/paperless • See your statement as soon asll I it's available rather than woit for it io arrive', in your mailbox. • Get helpful payment reminder through a-mail '~~ or text messages on your mobi a phone. - • Print a paper copy of your stet ment anytime. i t~2009 Uiacover Bank, Member FDIC I~ i Closing Date: July 9, 2006 page 2 of 3 Information For You Shop confidently. Your Discover(R) Card hal you covered with Complete Fraud Protection For your peace of mind. With our advanced fraud warnings, you'll know right way iF any suspicious activity occurs. And if someone makes Fraudulent charges with your card, our $0 fraud liabili guarantee means you're not responsible. Check out Shop Discover Card at Discoverc~ I I Iii ~I III i it it ~~,I rd.com/shop For discount offers from your favorite online retailers. Finance Charge Summa Average Dail Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee P i PERCENTAGE PE di C y Balances er o c R ENTAGE FINANCE FINANCE Rates RATES RATES CHARGES C GES current billing period: 30 days Purchases $1221.02 0.063679e 23.24% V 23.24% $23.32 $0 Cash Advances $0 0.05751 % 20.99`Ye F 20.999e $0 $0 Balance Transfers $309.16 0.027129e 9.90% F 37.67% $2.51 $54.00 the rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. QUeStlonS? Manage your acco nt at Discover com or ,.nu ~.Ann.rncrnvcQ tl_ann_z.t~_ . /,R~1 V J~.~~V CK I July 9, 2006 I Account number ending in 6925 page 3 of 3 Cashback Bonus Award Summary Cashback Bonus Anniversa ate: Janua 9 Balance Previous Cashback Bonus Awa d Balance $ 50.10 Purchase Award This Period + 0 00 5% Cashback Bonus . 11 O1 Cashback Bonus Award Tota 61.1 1 6/25 Account Credit - 40.00 Cashback Bonus Award Balanc 21.11 Award Available to Redeem i I ~, III ~, ~'~ I '~ $ 20.00 I, i I estrictions apply fo the Cgshback Bonus Pa etails. For program details, see the Cashba ~er offers visit Discowr.com or call 1.800•DISCOVER (1.800.347.2663) for k Bonus i'ro ram Ter d C di I g ms an on tions. ~'~\e~V~K 52,971.91 09 SDSN6A010002997 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070-1458 $59.00 ~ Enter Amount Enclosed Below Payment Dua Date September 8, 2006 please make check paYable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illn~ll~rrllnrl~lr~nrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes: Print hangs in space ~~i~i~~~i~i~~~~l~iii~iil~~iir~~~~~ii~~~~~i~ii~~i~~~ilii~~~i~~l above, or go to Discoveccom. Print your a-nail address to receive important Account information and special offers. 00000198645858403221680297],9100150000005900 Discover Platinum Card mccount Summary Closing Date: August 9, 2006 page 1 of 1 Account number ending in 6925 Payment Due Date September 8, "1006 Minimum Payment Due $59.00 Credit limit $5,000.00 Credit Available $2,028.00 Cash Credit Limit $2,500.00 Cash Credit Available $2,028.00 Previous Balance $3,082.15 Payments And Credits 150.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charles __ + 39.76 New Balance = $2,971.91 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ccshback Banus® Cashback Bonus® Since Anniversary Month January: $38.91 CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800.DISCOVER (1.800.347-26831 ro get your share of America's #1 Cash Rewards Program. Opening Cashback Bonus Balance $ 2 ~ , ~ ~ New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 21,E ~ How Can We Hel YOU? I!, 1 • Visit Discowr.com to pay your bbl for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2b83) 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) s reverse side 3. Write us at Discover Card, PO Box 30943, Sett Lake City, UT 84130 Transactions $0 Fraud Lic}bility ©uarantee Use your Discover Card with confidence. Trans. Pos Date Dat~s Payments and Credits Aug 2 Au j 2 PAYMENT • THANK YOU $ -150.00 Finance Charge Summc Average Daily Balances current billing period: 31 days Nominal Daily ANNUAL ANNUAL Periodic PERCENTAGE PERCENTAGE Rates RATES RATES Transaction Periodic fee fCINH A~N~S FI AANC S Purchases $1237.42 0.063679e 23.2490 V 23.24% $24.43 $0 Cash Advances $0 0.057515'0 20.99°a F 20.99% $0 $0 Balance Transfers $1825.33 0.027125'0 9.9090 F 9.909'0 $15.33 $0 The rates that apply to your Account are eith~r fixed (F) or they may vary NI as noted above. V~,~rr'~%~V CK $3,002.37 I $60.00 I Enter Amount Enclosed Below Payment Due Date Cktober 8, 2006 please make check payyable to Discover Platinum Card or pay online ~ Discovercard,com. 09 SDSN6A01 0002998 ' KEEPER, RICHARD G Gopaperlessandmakeyauraccount 1718 LOCUST ST information more secure with password- NEW CUMBERLND PA 17070-1458 protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illurllurllnrlrlnnrlll Address, a-mail or telephone chdnge~ Print hangs in space CHARLOTTE NC 28272-1084 above, or go to Discover.com. Print your e- ail address to ~rrlrll~~l~~~lrllr~~lrilrlrrrll~~irr~irlrilrillrrlrilrilrlrrll receive important Account information and pecial offers. 0000019864585840322~68030023 700150000006000 Discover Platinum Card ~-ccount Summary ', Closing Date: September 9, 2006 page 1 of 2 Account number ending in 6925 ' Previous Balance $2 971 91 Payment Due Date October 8, 20p6 , . Payments And Credits - 150 00 Minimum Payment Due $60.00 Credit Limit $5 00 0 00 . Purchases + 140.78 , . . Credit Available $1,997.00 Cash Advances + 0.00 Balance Transfers + 0 00 Cash Credit Limit $2,500.00 Cash Credit Available $1,997.00 . Finance Charges _ __ + 39.68 Nevr Bala nce = $3,002.37 You may be able to avoid Periodic finance Charges, see the reverse side for details. CcShbGCIC BOrtUS® Opening Cashback Bonus Balance $ 21. ~ ~ New Cashback Bonus This Period + Q~ ' Cashback Bonus Balance $ 21.46 Cashback Bonus® Since Anniversary Month', January: $39.26 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit ' Discovercard.com or call 1.800.DISCOVER (1.800.347-2683) fo get your share of America's #1 Cash Rewards Program. How Can We Hel You? ' P ' 1 • Visit Discowecom to pay your bbl for no cost, view ur latest Account information earn and redeem rewardso d It s your choice ' 3 Ways tO h~ Ip , an more 2. Call 1-800-DISCOVER (347-2683) For fast, easy self-service Please have your Discover Card available. ~~ options or to speak with a Customer Service Account Manager For TDD (assistance For hearing impaired) se ~ reverse side 3. Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions $0 Fraud Lf bility Guarantee Use your Discover Card with confidence. Trans. Pos Date Da Payments and Crodits Sep 3 Sep ~ 3 PAYMENT -THANK YOU $ -150.00 Warohouss Clubs Sep 4 Sep 4 BJ'S # 025 2540316751 HARRISBURG PA 140.78 Information For You The address provided in your Cardmember greement to request a beneficiary designation Form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, Suite 2100, Chicago, Illinois 60606-6613. Balance Transfer offer for current billing perm: Daily Periodic Rafe: 0.027129'0; corresponding ANNUAL PERCENTAGE RATE: 9.909'0. Rate is subject to the terms of a offer including expiration. Shop confidently. Your Discover(R) Card has you covered with Complete fraud Protection For your peace of mind. With our advanced Fraud warnings, we'll call you right away if there's unusual activity on your account. And iF someone makes Fraudulent charges with your card, our $0 Fra d liability guarantee means you're not responsible. Get 5% Cashback Bonus(R) From October to and evervthina alsa nt AMA7C)N ('C1M Rnr :ember at restaurants, movies theaters and rental stores; and on books, music R Nnhla Rnrrdn~elGl r~.,...~r r^~r„ r «.d..L.Lial.Jlp1 r.i...,,~...ro~ .._a ui~L~ vrK ~~' I ~ DISCYER' ~ Account number ending fn OY'LO Get added security wi no paper trail ....- Make your account information m re secure with. password•protected statements the only you can access. ~'~ • Access up to 24 months of do nloadable, Sign up todgy at printable statements. ~ Discovercom/paperless • See your statement as soon as it's available rather than wait for it to arrive. in your mailbox. i • Get helpful payment reminder through e-mail or text messoges on your mob le phone. :r.; 1 • Print a paper copy of your sta ement anytime. tfJ2009 Dircwer Bank, Member FDIC I ill -- Closing Date: September 9, 2006 page 2 of 2 I III I II I it i i it I I i Finance Charge Summa Average Dail Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee P i di PERCENTAGE y glances er o c PERCENTAGE FINANCE FINANCE Rates RATES RATES C RG CHARGES current billing period: 31 days Purchases $1289.37 Cash Advances $0 0.06367% 23.24% V 23.24% $25.45 $0 0 Balance Transfers $1694.95 .05751% 20.99% F 20.99% $0 $0 0.02712% 9.90% F 9.90% $14.23 $0 the rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. QUeSt10nS? Manage your acco nt at Discover.com or ....n >ISenn_ntcrnvt:o ti ann ~,t~_ ,cast uls ~„' r C~( $3,255.51 7 $65.00 ~ Enter Amount Enclosed Below Payment Due Date I November 8, 2006 please make check payyable to Discover Platir Card or pay online ~ Discovercard.com. 09 SDSN6A01 0002999 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST 5T information more secure with password- NEW CUMBERLND PA 17070 rotected statements only you can access. 1458 earn more at discover.com/paperless. ~ PO BOX 71084 Illrrrllrrrll~rrlrlrurslll Address, e-mail or telephone changes' Print CHARLOTTE NC 28272-1084 hangs in space above, or go to Discover.com. Print your e- 'rrlillrilrr~Ir~I~rilrrlllrr~"Ilr',~111"Ir'II',I't111I11"~~ ail address to receive important Account information and pecial offers. 0000019864585840322 I ,8032555700100000006500 II Discover Platinum Card /~ -ccount Summary ~ I Closing Date: October 9, 2006 page 1 of 3 Account number ending in 6925 II Payment Due Date November 8, Previous Balance $3,002.37 006 Payments And Credits Minimum Payment Due $65.00 - 100.00 Purchases + 308 00 Credit Limit $5,000.00 . Cash Advances + 0 00 Credit Available $1,744.00 II . Balance Transfers + 0 00 Cash Credit Limit $2,500.00 ~ . Finance Charges + 45 20 Cash Credit Available $1,744.00 ~ . New Balance $3,255.57 i You may be able to avoid Periodic Finance Charges, see the ~ reverse side for details. Cash bcuk Bonus Opening Cashback Bonus Balance $ 21.46 I New Cashback Bonus This Period + 1.54 I Cashback 8onus~ Since Anniversary Month I Cashback Bonus Balance $ 23.00 January: $40.80 How Can We Hel You? P 1 • Visit Diacovsr.com to pay your bill for no cost, view your l It's your choice - 3 ways to h atest Account information, earn and redeem rewards and mo Ip 2. Call 1-800.DISCOVER (347.2683) for fast eas selFservice Please have your Discover Card available. , y options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li fifty Guarantee Use your Discover Card with confidence. Trans. Po Dots Da Payments and Crodits Oct 3 Oct 3 PAYMENT • THANK YOU $ -100.00 Merchandise/Retail Sep 14 Sep 14 AMAZON.COM AMZN.COM/BILLWA 1 19.59 66252041820502 Sep 14 Sep 14 AMAZON.COM AMZN.COM/BILLWA 188.41 87740601943048 Information For You The address provided in your Cardmember greement to request a beneficiary designation form For your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza Suite 2100, Chieago, Illinois 60606.6613. , Balance Transfer offer far current billing pert d: Daily Periodic Rate: 0.027129e; corresponding ANNUAL PERCENTAGE RATE: 9.90go. Rate is subject to the farms of he offer including expiration. Discovercard.com provides you with the east st online self-service options that put you in control of your account. Make a payment today or schedule one in advance. ign up for timely a-mail reminders to help you avoid fees. Easy account management is just a click awayl Register o log in to Discovercard.com/registermyaccount Manage your account your way - whether y .,.a t.,,. «e .~,.I,r ..,.,..,....r ........,..e...e..+,,..r: u prefer to speak with a live person or manage things on your own, Discover(R) ... r.,. ,,.... r..u i onn nic~nvco ri OM 7 A7 7~CC41 .,. ....:~ n:-..,... _-...J ..--. um \•L I ~~a~. ~ M iiR ~ ~~SC yER I Hccoupt number ending In OYZO Get added security wi no paper trail Make your account information m re secure with password-protected statements th t only you can access. • Access up to 24 months of do nloadable Sign up today at ~ printable statements. Discovercom/poperless • See your statement as soon a iYs available rather than woit for it to arriv in your mailbox. • Get helpful payment reminder through e-mail - or text messages on your mob le phone. f v, • Print a paper copy of your sta ement anytime, ®2009 Discover Bank, AAember FDIC ~I Closing Date: October 9, 2006 page 2 of 3 Hey, Juniors) We are searching For outstan ing high school juniors to apply for the Discover(R) Card Tribute Award(R) Scholarship Program. Scholarships will be warded to high school juniors who have excelled beyond academics. To And out more, visit our website at www.Discover ard.com/tribute Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lance Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $1698.53 Cash Advances $0 0.06367% 23.2490 V 23.24% $32.45 $0 0.05751 % .20.99% F 20.99% $0 $0 Balance Transfers $1568.96 0.02712% 9.90% F 9.90% $12.75 $0 the rates that apply to your Account are eith r Fixed (F) or they may vary (V) as noted above. QUeSt1OnS? Manage your acco nt at Discover.com or -ryll l.ftnn.nlc('AVFR rl_anr>_~.t~_ ~u~l V~JL V CK I October 9, 2006 ~ Account number ending in 6925 page 3 of 3 Cashback Bonus Award Summary Cashback Bonus Anniversa ate: Janua 9 Balance Previous Cashback Bonus Awa d Balance $ 21.46 Purchase Award This Period + .1.54 Cas back Bonus Awar Tota 23.00 Cashback Bonus Award Balance 23.00 Award Available to Redeem ~ $ 20.00 Restrictions apply to }h4 Cashback Bonus Pa~ner offers visit Discowr.com or call 1-800-DISCOVER (1.800-347-2683 for details. For program details, see the Cashba k Bonus program Terms and Conditions. UIS(.~~~'VtK $3,372.6,,1 j $67.00 I Enter Amount Enclosed Below ', Payment Due Date $ ~--~ December 8, 2006 please make check payable to Discover Platinum Card or pay online 0? Discovercard.eom. 09 SDSN6A01 0003000 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070 Go paperless and make your account information more secure with password- protected statements only you can access. 1458 Learn more at discover.com/paperless. ~~ PO BOX 71084 ~~~nr~~nr~~nr~r~unr~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change6 Print Ihange in space )~~)~~)~~)~~~)~))~~~)~I)~I1t1))))„')'~I~~)„I''~',~I'tltl"~) above, or go to Discover.com. Print your e• ail address to receive important Account information and pecial offers. 0000019864585840322~80337261001000000D6700 Discover Platinum Card ccount Summary Closing Date: November 9, 2006 page 1 of 2 Account number ending in 6925 6 Previous Balance $3,255.57 Payment Due Date December 8, 2 06 Payments And Credits - 100.00 Minimum Payment Due $67.00 Purchases + 167 96 Credit limit $5,000.00 ', Cash Advances . + 0.00 Credit Available $1,627.00 ', Balance Transfers + 0 00 Cash Credit Limit $2,500.00 ', Finance Chars . + 49.08 Cash Credit Available $1,627.00 ', New Balance $3,372.61 ', You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaShbatk BOnUSe '~ Opening Cashback Bonus Balance $ 23.00 ', New Cashback Bonus This Period + 0.84 Cashback Bonus Balance $ 23.84 Cashback Bonus Since Anniversary Month January: $41.64 CONGRATULATIONSI Your Cashback i Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800.DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel You? P 1 • Visit Discowr.cam to pay your bill (or no cost, view ur latest Account information earn and redeem rewardsoand me It's your choice - 3 ways to h , Ip 2• Call 1-BOaDISCOVER (347-2683) For fast easy self-service Please have your Discover Card available, , options or to speak with a Customer Service Account Manage For TDD (assistance for hearin im aired se g p ) reverse side 3' Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li Flity Guarantee Use your Discover Card with confidence. Trans. Pos Date Da Payments and Credits C~ct 22 Oct 22 PAYMENT -THANK YOU $ -100.00 Gasoline Oct 12 Oct 12 EXXONMOBIL P7H0777 LEMOYNE PA 34.04 180 965 581 2 Oct 23 Oct 23 EXXONMOBIL P7H0492 LEMOYNE PA 48.72 180 965 581 2 Oct 25 Oct 25 HESS 38424 HARRISBURG PA 20.00 Nov 3 No 3 AMOCO OIL 06955405 CAMP HILL PA 25.01 Nov 5 No 5 BJS FUEL #9025 WOX HARRISBURG PA 25.00 Supermarkets Oct 15 Oct 15 KARNS QUALITY FOOD NEW CUMBERLANPA 35.19 Information For You Balance Transfer offer for current bi-ling peri d: Daily Periodic Rate: 0.0271.2%; corresponding ANNUAL PERCENTAGE RATE: 9.909'0. Rate is subject to the terms of he offer including expiration. VI J~a)~ v GR ~ DISC~VER~ I ncw~ru n~inun~ nnuinc~ ui vy~;2 Get added security wi h no paper trail :~~:_::; Make your account information m re secure with password-protected statements th t only you can access. ~ ;' • Access up to 24 months of do nloadable, ~ , Sign up today at printable statements. ;, ~ISCOV@GCOItt~pOp@rl@SS • See your statement as soon a i t's available ~ <: rather than wait for it io nrriv in your mailbox. • Get helpful payment reminder through e-mail y ~~ or text messages on your mob l e phone. • Print a paper copy of your sta e ment anytime, c~zoo9 ofxover tiaok, Member FDIC I -__ Closing Date: November 9, 2006 page 2 of 2 Cut back on mailbox clutter! Sign up for Pa erless Statements and simplify the way you manage your account. We'll send you on e-mail as soon as your statement is ailable online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard com/ps Through the generosity of our Cordmembers Discover(R) Card has donated more than $15 million fo the Make-A•Wish Foundation(R). You can make a child's dre m come true by electing to donate your Cashback Bonus(R) to the Make•A Wish Foundation. To learn how, pl se visit Discovercard.com or visit Wish.org Visit ShopDiscover at Discovercard.com/sh p to earn additional Cashback Bonus(R) when you shop online. You will Find great offers from retailers like Barnes and N ble, FTD, Magazines.com and morel I 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 $1872.35 0.06367% 23.24% V 23.243'0 $36.95 $0 Cash Advances $0 0.057519'0 20.99% F 20.999e $0 $0 Balance TransFers $1443.48 0.02712% 9.90% F 9.90% $12.13 $0 'The rates that apply to your Account are eith e fixed (F) or they may vary (V) as noted above. QUeSt10nS? Manage your acc o nt at Discover.com or ~nll t.~nn.nt~nvFR 11_ann_~~i~ _ ,~R~- V~~~a~~lt $3,322.86 $80.00 ~ Enter Amount Enclosed Below Payment Due Date January 8, 2007 please make check paya ble fo Discover Platinum Card or pay online ~ Discovercard.com. 09 SDSN6A010003001 KEEPER, RICHARD G ~ Go paperless and make your account 1718 LDCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 170701458 Learn more atdiscoveccom/paperless. PO BOX 71084 Illrrrll~rJLrrlrlrrrrJll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print ~hange in space IiiI~II~iI~~~I~llii~~~~I~I~~~IIII~~~I~~I~~111'I~~I'~I„I1I'~II above, or go to Discover.com. Print your email address to receive important Account information and special offers. 0000019864585840322b8033228600200000008000 Discover Platinum Card ~q-ccount Summary • Closing Date: December 9, 2006 page 1 of 2 Account number ending in 6925 ' Previous Balance $3,372.61 Payment Due Date January 8, 20x7 Payments And Credits - 200,p0 Minimum Payment Due $80.00 ', Purchases + 86 13 Credit Limit $5,000.00 Cash Advances . + 0.00 Credit Available $1,677.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charles + 64.12 Cash Credit Available $1,677.00 __ New Balance $3,322.86 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. CdshhdtlC BonuS® Opening Cashback Bonus Balance $ 23.84 New Cashback Bonus This Period + 0.33 Cashback Bonus Since Anniversary Month. January: $41.97 '', 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. Cashback Bonus Balance 24.17 How Can We Hel You? 1 • Visit Discovsocom 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, easyselFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance For hearin im aired se reverse side 3. Write us at Discover Card, PO Box 30943, g p ) 1s Salt Lake City, UT 84130 Transactions Payments and Crodits Rsstauranh Gasolins Warohouss Clubs $0 Fraud lic~bilfty Guarantee Use your Discover Card with confidence. Trans. Pos Dab Dal~i Nov 28 Nor 28 PAYMENT -THANK YOU ~ _400.00 Dec 4 Deck 4 PAPA JOHNS #0795.COM LEMOYNE PA 23.15 Nov 20 Nod 20 EXXONMOBIL PN 18544 ENOLA PA 45,11 180 965 553 1 Dec 1 Dec', 1 B1'S WHOLESALE HARRISBURG PA Information For You 37.87 Balance Transfer offer For current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.909'0. Rate is subject to the terms of the offer including expiration. Cut back on mailbox clutter) Sign up for Pa~erless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is a ailable online. And, while you're at Discovereard.com, you can pay your bill quickly and easily. Sign up at Discovercard. om/ps ui~c.v tK ~~SC , y~R I Account number ending in 6925 Get added security wi no paper trail Make your account information m ore secure with password-protected statements th t only you can access. • Access up to 24 months ofd printable statements. nloadable, ~'' Sign up today at ~ Discovercom/paperless • See your statement as soon a Inther than wait for it to arriv~ it's avoilable ~ in your mailbox. • Get helpful payment reminder or text messages on your mo through a-mail ~, , ile phone. ---„ i~ ` • Print a paper copy of your sta ement anytime. td2009 Dlxover Bank, Member fDIG ICI Closing Date: December 9, 2006 page 2 of 2 Through the generosity of our Cardmember ,Discover{R) Card has donated more than $15 million to the Make-A-Wish Foundation(R). You can make a child's dre m come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation. To learn how, pl ase visit Discovercard.com or visit Wish.org Visit ShopDiscover at Discovercard.com/sh~p to earn additional Cashback Bonus{R) when you shop online. You will find great offers from retailers like Barnes and N ble, FTD, Magazines.com and morel Finance Charge Summa Average Dail Daily P i di Nominal ANNUAL PER ANNUAL Periodic Transaction Fee y Balances- er o c Rates CENTAGE RATES PERCENTAGE RATES FINANCE FIN ~GE current billing period: 30 days CHARGES C Purchases $3356.51 Cash Advances $0 0.063679e 23.24°o V ' 23.24% $64.12 $0 0.05751 q° 20.993 ° F 20.99°:° $0 $p The rates that apply to your Aceount are eith fixed (F) or they may vary (V) as noted above. QUestlOnS? Manage your acco nt at Discover.com or ~nll >t.stnn.nlcr•nvrp tt_Rnn_~~~_. ~Q~t ~' V \rr _„' V ~ I\ $3,186.25 L$79.00 I Enter Amount Enclosed Below Payment Due Date February 8, 2007 please make check paYable fo Discover Platinum Card or pay online ~ Discovercard.com. 09 SDSN6A01 0003002 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST intormationmoresecurewRhpassword- protected statements only you can access. NEW CUMBERLND PA 17070..,-1458 Learn more atdiscover.com/paperless. . !~ PO BOX 71084 Illrrs~lrrrllrrrlrl~rnrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print I hangs in space I~~I~II~iI~~iI~II~I~I~~'~I~~IIIII„~I„I11'~1II"I1tI„ItIL'll above, or go to Discover.com. Print your e- ail address ro receive important Account information and pecial offers. 00000198645858403221~8031862500200D00007900 Discover Platinum Card ~-ccount Summary Closing Date: January 9, 2007 Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit limit Cash Credit Available 6925 Februory 8, $79.00 $5,000.00 $1,813.00 $2,500.00 $1,813.00 2807 page 1 of 2 Previous Balance $3,322.86 Payments And Credits - 200.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers. + 0.00 Finance Charges + 63.39 New Balance = $3,186.25 You may be able to avoid Periodic finance Charges, see the reverse side for details. COShhaCIC BOflUS® Opening Cashback Bonus Balance $ 24.17 New Cashback Bonus This Period + O,Qp Cashback Bonus®Since Anniversary Month Cashback Bonus Balance 24.17 January: $41.97 'i How Can We Hel You? ~ P 1 • Visit Discover.com to pay your bill for no cost, view your l I It's your choice - 3 ways to he atest Account information, earn and redeem rewards and m lp 2. Call 1-800.DISCOVER (347-26831 For fast eas self-service Please have your Discover Card available. '~ , y options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) set s reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Pos Daro Da Payments and Crodits Dec 19 Ded 19 PAYMENT -THANK YOU $ -200.00 Information For You Balance Transfer offer for current billing peri d: Daily Periodic Rate: 0.027129'0; corresponding ANNUAL PERCENTAGE ~ RATE: 9.909'0. Rate is subject to the terms of the offer including expiration. Cut back on mailbox clutter) Sign up for Pa erless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is a ailable online. And, while you're at Diseovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard. ~om/ps Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba nc Rates RATES RATES CHARGES. CHARGES current billing period: 31 days Purchases $3211.91 Cash Advances $0 0.063679'0 23.2490 V 23.24°e $63.39 $0 0.057519'0 20.999a F 20.999'e $0 $0 1'he rates that apply to your Account are eith Fixed (FI or they may vary NI as noted above. ore ~w~r • t~ I Janua 9, 2007 Account number ending in 6925 page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversa ~D te: Januar 9 Balance Previous Cashback Bonus Awa d Balance $ 24 ~ ~ Purchase Award This Period + 0.00 Cas back Bonus Awar Tota 24 ~ ~ 24.17 20.00 for U~~`f Y ~K 53,098.99 I $78.00 I Enter Amount Enclosed Below Payment Due Date March 8, 2007 please make check paYable to piscover Platinum Card or pay online ~ Discovercard.com. i 09 SDSN6A01 0003003 KEEPER, RICHARD G Gopaperlessandmakeyouraccount 1718 LOCUST ST information more secure with password- Protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.com/paperless. ~~ PO BOX 71084 ~~~ns~~ur~~nr~r~nnr~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print hangs in space ~~~I~I'~~I~~~I~~~r~~l~~l~f~~~'II'~~~I~~I~~I~~Il~rl„I11I~~,'~II above, or go to Discover.com. Print your e• ail address to receive important Account information and pecial offers. 0000019864585840322~8030989900150000007800 II Discover Platinum Card ~-ccount Summary Closing Date: February 9, 2007 page 1 of 1 Account number ending in 6925 Previous Balance Payment Due Date March 8, 200 Payments And Credits Minimum Payment Due $78.00 Purchases Credit Limit $5,000.00 ' r„~t, ea.,,,,,,.e. Credit Available $1,901.00 Cash Credit limit $2,500.00 Cash Credit Available $1,901.00 $3,186.25 150.00 0.00 0.00 tSalance I ransters + 0.00 Finance Charges + 62.74 New Balance $3,098.99 Yau may be able to avoid Periodic finance Charges, see the reverse side for details. Cashback Bonus® I Opening Cashback Bonus Balance $ 24.17 New Cashback Bonus This Period + 0.00 ~ Cashback Bonus Balance $ 24,7 Cashback Bonus® Anniversary Month: January 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? P 1. Visit Discover.com to pay your bdl for no cost, view your l atest Account information, earn and redeem rewards and me (t's your choice - 3 ways to h Ip 2. Call 1.800-DISCOVER (347-2683) for Fast; easy self-service Please have your Discover Card available, options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943; Salt lake City, UT 84130 Transactions $0 Fraud lF bility Guarantee Use your Discover Card with confidence. Trans. Po Date Da Payments and Credits feb 2 Feb 2 PAYMENT -THANK YOU $ -150.00 information For You Balance Transfer offer for curcenf billing peri :Daily Periodic Rate: 0.027129'0; corresponding ANNUAL PERCENTAGE RATE: 9.909'°. Rate is subject to the terms of the offer including expiration. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3178.07 0.06367% 23.249:° V 23.249'° $62.74 $0 Cash Advances $0 0.057519'° 20.99% F 20.99% $0 $0 The rates that apply to your Account are eith r fixed (F) or they may vary (V)as noted above. r. V ~J~r v.~? V i.l\ S2,143.84 $60.00 - Payment Due Date April 8, 2007 09 SDSN6A010003004 KEEPER, RICHARD G li 1718 LOCUST ST ~ NEW CUMBERLND PA 17070-1458 Enter Amount Enclosed Below Please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure wdh password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~iri~~ru~~rrr~r~unr~~~ CHARLOTTE NC 28272-1084 Address, a-mail or telephone change$ Print change in space (rr~~(~ri~~ir~i~~ri~~r~(~~r~~~(~~~rr~~~~i~~ri~~ri~ii~~i~~{ii~~ above, or go to Discover.com. Print your a-rhail address to receive important Account information and special offers. 000001986458584D322b8021438401000000006000 Discover Platinum Card Account Summary Closing Date: March 9, 2007 page 1 of 1 Account number ending in 6925 Previous Balance $3,098.99 Payment Due Date April 8, 2007 Payments And Credits - 1,000.00 Minimum Payment Due $60.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $2,856.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finance Chargss + 4 4.85 Cash Credit Available $2,500.00 ______ New Balance _ = $2,143.84 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaShbatk BOOUSe Opening Cashback Bonus Balance $ 24.17 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: January Cashback Bonus Balance $ 24.17 CONGRATUTATIONSI Your Cashback Bonus(R) is waiting for you, Visit Discovercard.com or call 1-800-DISCOVER (1-800-347.2483) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1. visit Discaver.cain to pay lour bill for no cost, view our latest Account information earn and redeem rewards and more ~t'S your cho+ce - 3 ways to help , 2. CoN 1-BOaDISCOVER (347.2683) For fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Wtite us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) se® reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trnns. Posh DaM Dahl PaymsMa and Credits Feb 21 Feb'~21 PAYMENT -THANK YOU $ -1,000.00 Information For You - Balance Transfer offer for current billing peric{d: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba anc s Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $2515.53 0.06367% 23.24% V 23.2d% $44.85 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are eithe`• fixed (F( or they may vary (V) as noted above Manage your account your way -whether yo~ prefer to speak with a live person or manage it on your own, Discover(R) Card has the right acrnunt mnnnnwmant nnti nc Fnr vnn f nll 1.R(N1.tl1.Sr-'fIVFR f 1_Af1r1.'iA7.9AAQ1 ,.. ,.~~~~ rl~....,.,e.......7 ....«. I~ISC.~.~~V tK 52,691.9!9 $5I 6.00 ~ Enter Amount Enclosed Below Payment Due Date May 8, 2007 please make check payYable to Discover Platinum Card or pay online ~ Discovercard.com. 09 SDSNGAOt 0003005 KEEPER, RICHARD G Gopaperlessandmakeyouraccount 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.com/paperless. PO BOX 71084 III~~JIrrrllrrrLlrrrr~lll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change!: Print change in space lirlrllnlur~rllnr~ulr~nrlll~nrln~ulnllulnlnlilull above, or go to Discover.com, Print your a-ryiail address to receive important Account information and gpecial offers. OD0001986458584D322b802691990D060DDOD05600 Discover Platinum Card ~-ccount Summary Closing Date: April 9, 2007 page 1 of 2 Account number ending in 6925 Previous Balance $2,143.84 Payment Due Date May 8, 2007 Payments And Credits - 1,260.00 Minimum Payment Due $56.00 Purchases + 0 00 Credit Limit $5,000.00 Cash Advances . + 0 00 Credit Available $2,308.00 Balance Transfers . + 1,700.00 Cash Credit Limit $2,500.00 Finance C1~arBes + 108.15 Cash Credit Available $2,308.00. ___ _ New Balance $2,691.99 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaSI1bQCIC BcntJS® Opening Cashback Bonus Balance $ 24.17 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 24.17 Cashback Bonus® Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of ~ America's #1 Cash Rewards Program. i~ How Can We Hel You? ~ P 1 ~ Visit Discoveacom to pay your bill for no cost, view our latest Account information earn and redeem rewords and more r It s your choice - 3 ways to he lp , 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 im aired se p ) reverse side 3. Write us at Discover Card, PO Box 30943, ~ Salt lake City, UT 84130 Transactions $0 Fraud Li~ ilfty Guarantee Use your Discover Card with confidence. Trans. Po Data Dat e Payments and Credits Mar 24 Ma~ 24 PAYMENT -THANK YOU $ -1 200 00 Apr 4 Aprl 4 PAYMENT -THANK YOU , . -60.00 Balance Transfers Mar 12 Ma 12 BALANCE TRANSFER CHECK 0388 600.00 Mar 12 Ma 12 BAL TRANS TRANSACTION FEE FINANCE CHARGE 24,00 APR 9.909e EXPIRES 07/2007 Mar 22 Ma 22 BALANCE TRANSFER CHECK ACH 0391 400.00 Mar 22 Ma 22 BAL TRANS TRANSACTION FEE FINANCE CHARGE 16,00 APR 9.903'o EXPIRES 07/2007 FIA CARDSERVICES Mar 22 Ma 22 BAIANCE TRANSFER CHECK 0389 300.00 Mar 22 Ma 22 BAL TRANS TRANSACTION FEE FINANCE CHARGE 12.00 APR 9.9090 EXPIRES 07/2007 Mar 23 Ma 23 BALANCE TRANSFER CHECK 0390 400.00 Mar 23 Ma 23 BAL TRANS TRANSACTION FEE FINANCE CHARGE 16.00 APR 9.90° EXPIRES 07/2007 ul J~.°~>' V CI'C i, ~_ DISCYER' ~ „~~~~~~~ ~,~~„~o, ~,~~~~~y ~„ ~,~~ Get added security wi h no paper trail ; Make your account information m re secure with password-protected statements th t only you can access. t i ' Sign up today at `~ • Access up to 24 months of do bl nlaadable, ; Diseovercom/ a erless '-' printa e statements. p p • See your statement as soon a i t's available III '' ~' rather than wait for ii to arriv in your mailbox. I - • Get helpful poyment reminder through a-mail or text messages on your mob l e phone. • Print a paper copy of your sta e ment anytime. (92009 Discover bank, Member FDIC ', Closing Date: April 9, 2007 page 2 of 2 Information For You ~', Balance Transfer offer For current billing peri d: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90°le. Rate is subject to the terms o the offer including expiration. Build rewards faster when you use ShopDisc ver to shop for Spring) Earn 5% Cashback Bonus and more at top online retailers such as Macys.com, Apple.com, a d DicksSportingGoods.com when you link through ShopDiscover at Discovercard.com/shop Through generous Cardmembers like you, D scoverjR) Card has donated more than $15 million to the Make-A•Wish Foundation~R). Consider contributing your ashback Bonus to the Make-A Wish Foundation to help make a ehi{d's dream come true. To further your donation, Discov r will add an additional 20%. Visit www.discovercard.com or www.wish.org I i it Finance Charge Summa Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1491.39 0.06367% 23.24% V 23.24% $29.44 $0 Cash Advances $0 0.07121 % 25.94% F 25.99% $0 $0 BalanceTransFers $1275.35 0.02712% 9.90% F 55.56% $10.71 $bB.00 The rates that apply to your Account are eit h r fixed (F) or they may vary (V) as noted above. QUeStlonS? Manage your acc o nt at Discovar.com or ~,.u >I.ann.nicrnv~e ti_ann_zx~ aavt ~,~7~r.~V~IZ $3,333.15 09 SDSN6A010003006 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070,,-1458 $66.00 ~ Enter Amount Enclosed Below Payment Due Date $ June 8, 2007 Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure wdh password- protected statements only you can access. Learn more at dlscovercom/paperless. PO BOX 71084 IIIusIIn~IInJJntnlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print hangs in space I~~I~I)~~)~~~IiII111I~~I~~I~~lIII111I~~1',I111I,1I~~I"ItIstIl above, or go to Discover.com. Print your e• ail address to receive important Account information and pecial offers. 0000019864585840322~68033331500100000006600 Discover More Card Account Summary Closing Date: May 9, 2007 page 1 of 2 Account number ending in 6925 Payment Due Date June 8, 2007 Minimum Payment Due $66.00 Credit Limit $5,000.00 Credit Available $1,666.00 Cash Credit limit $2,500.00 Cash Credit Available $1,666.00 Previous Balance $2,691.99 Payments And Credits - 100,00 Purchases + 703.78 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Char s~ s _ + 37.38 New Balance = $3,333.15 You may be able to avoid Periodic Finance Charges, see the reverse side for details. COSIII~CIC B011US® Opening Cashback Bonus Balance $ 24.17 New Cashback Bonus This Period + 1.75 ', Cashback Bonus Balance $ 25.92 Cashback Bonus® Anniversary ', Month: January ', CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800.DISCOVER ' {1-600.347-2683) to get your share of ', America's #1 Cosh Rewards Program. How Can We Hel YOU? 1 • Visit Diacover.com to pay your bill for no cost, view our I~ latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-BOaDISCOVER {347-2683) for Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD {assistance For hearing impaired) set reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 ~` Transactions $0 Fraud Lf bf(fty Guarantee Use your Discover Card with confidence. Trans. Pos Date D Payments and Crodits Apr 29 Apr 29 PAYMENT -THANK YOU $ -100.00 Gasoline Apr 18 Apr 18 SUNOCO LEMOYNE PA 44 33 Apr 19 Apr 19 SUNOCO LEMOYNE PA . 28.25 Apr 21 Apr 21 SUNOCO IEMOYNE PA 8 21 Medical Services Apr 9 Apr 10 MENDELSON. FOER&HARRIS MECHANICSBURGPA 161,00 May 8 Ma 8 MENDELSON. FOER&HARRIS MECHANICSBURGPA 400.00 Warohou:e dubs Apr 19 Apr 19 BJ'S WHOLESALE HARRISBURG PA 61.99 Information For You Balance Transfer offer for current billing peri d: Daily Periodic Rate: 0.027120; corresponding ANNUAL PERCENTAGE RATE: 9.909'0. Rate is subject to the terms of he offer including expiration. Earn 59o Cashback Bonus and more at these new online retailers! ShopDiscover has just added more top online retailers such as Kohls.com, AnnTaylorLok.com, Pets art.com and American Eagle (AE.com), to an already great selection so you can build rewards Faster. Visit ShopDiscover at Discovercard.com/shop and start shopping today) Your Discover(R) Card has you covered with omplete Fraud Protection for your p~a~e of mind. Our advanced Fraud wnrninna mAnn vnn'll know rinh+ nwnv ati~nl nnv visni~inne n~}ivifir nr~nr Anrl iF vnur rnrr~ is Inet nr a#nlnn ~irni hnvn RA ui~c,vtK Get added security wi no paper trail Make your account informotion m re secure with password-protected statements th t only you con access. • Access up to 24 months of do nloadable, printable statements. • See your stotement os soon o it's available rather than wait for if to orriv in your mailbox. • Get helpful payment reminder through a-moil or text messages on your mob le phone. + Print a paper copy of your sfa ement anytime. ©2009 Discover ~dnk, Member FDIC Closing Date: May 9, 2007 pogo 2 of 2 Finance Charge Sum Average Daily Ba nc s current billing period: 30 days Purchases $1212.4b Cash Advances $0 Balance Transfers $1748.99 The rates that aaaly to vnu. a~~.,~ ~.,+ ,..._ _ i '~ I ~~SCVER• I Account number ending in 6925 Nominal Transaction Daily ANNUAL ANNUAL Periodic fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES 0.063673'• 23.249'• V 23.249'• $23.16 $0 0.071219'0 25.99% F 25.99% $0 $0 0.027129'0 9.9090 F 9.909'0 $14.22 $0 ~ixed (F) or they may vary (V) as noted above. ltUeStlonS! Manage your acco~nt at Discover.com or ~~II 1-AAA-IIIC('AVFR I1_Rf1r1_'2~17_ ~A'21 U1~ v;,,„. r G R a~ ~ a.. a i a i o.uv~ Enter Amount Enclosed Below ~ ~ Payment Due Date July 8, 2007 please make check payable to Discover Card ~i pay online ~ Discovercard.com. 09 SDSN6A010003007 KEEPER, RICHARD G ~ Gopaperlessandmakeyouraccount 1718 LOCUST ST information more secure with password- NEW CUMBERLND PA 17070 I protected statements only you can access. -1458 Learn more at discovercomlpaperless. PO BOX 71084 IIlr~sllrrrllrrrlrl~rnrlll Address, d-mail or telephone change? Print CHARLOTTE NC 28272-1084 hangs in space above, or go to Discover.eom. Print your e- I~~I~'~~~I~~~I~'I~~~I~~I~'~~~IIII~~II~~I„I11IIr~l11I"I1I'tl~ ail address to receive important Account information and pecial offers, 0000019864585840322 80017375D05D000OD01500 Discover More Card Acc unt Summary- Closing Date: June 9, 2007 page t of 2 Account number ending in 6925 I Previous Balance $3 333.15 Payment Due Date July 8, 2007 , Payments And Credits - 3 200.00 Minimum Payment Due $15.00 , Purchases + 0 00 Credit Limit $5,000.00 . Cash Advances + 0 00 Credit Available $4,826.00 . Balance Transfers + 0 00 Cash Credit Limit $2,500.00 . Finance Charges + 40.60 Cash Credit Available $2,500.00 New Balance $173.75 You may be able to avoid Periodic Finance Charges, see the I~ I reverse side For details. Cashback Bonuse O enin Cashback Bonus Bal c ~ B en • S 25.12 New Cashback Bonus This Period + 0.00 I! Cashback Bonus Balance $ ys,gy Cashback Bonus® Anniversary Month: January I 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? p 1 ~ visit Discevsr.com to pay your bill.fw~ no cost, view our lat t A t i f i s ItrS yOUr ChO1Ce - 3 WQyS t0 h es ccoun n ormat on, earn and redeem reward and mo Ip 2. Call 1.800-DISCOVER (347.2683) For fast easy self-seryiee Please have your Discover Card available, , options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943, Sak Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Pos Date Da Payments and Credits Jun 1 Jun 1 PAYMENT -THANK YOU $ -2,700.00 Jun 2 Jun PAYMENT -THANK YOU -500.00 Information For You Balance Transfer offer For current billing peri d: Daily Periodic Rate: 0.027129'0; corresponding ANNUAL PERCENTAGE RATE: 9.9090. Rate is subject to the terms of the offer including expiration. Set 59o Cashback Bonus(R) from July through September on gas, hotels, and admission to theme parks, water porks nneAnme nnnnrinme nnrl Anne wi1t~ ft~n C;nf , nrn nrnnrnm .Sinn nn n# rlie~rniur~nrrt ~nm n~ rntl 1-ArNLtILC(-(1VFR or VBJC.~r.,:'V ~K I ~ DISCOVER' Get added security w th no paper trail Make your account information ore secure with password-protected statements th t only you can access. • Access up to 24 months ofd wnloadable, printable statements. • See your statement as soon o iYs available rather than wait for it to arriv in your mailbox. • Get helpful payment reminds s through a-mail or text messages on your mo ile phone. • Print a paper copy of your st tement anytime. Account number ending in 6925 f ', Sign up today at Discovercom/paperless ~; tt72009 Discover Bank, Member FDIC Closing Date: June 9, 2007 page 2 of 2 Finance Charge Summa currant billing period: 31 days Purchases $1237,22 Cash Advances $p Balance Transfers $1207.79 The rates that apply to your Account are eitl QU®StionS? Manage your acc~ ~rrll 7.ann.ntcrn~ico t i onn o e ~ Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily R tesd~c RATESNTAGE P~ER,~CESNTAGE FINANCE FINACMA GES Balances CHARGES 0.079429'e 28.99% F 28.99% 0.07942% 28.99% F 28.99% 0.02712% 9.905e F 9.90% Fixed (FI or they may vary N) as noted above. it at Discover.com or :ool $30.46 $0 $0 $0 $10.14 $0 ICJ! • ~K $127.42 ', lb 1515.00 I tnter Amount tnciosea tseiow . w Payment Due Dale ~, August 8, 2007 please make check payable to Discover Card o~ pay online ~ Discovercard.com. 09 SDSN6A01 0003008 Gopaperlessandmakeyouraccount KEEPER, RICHARD G information more secure with password- 1718 LOCUST ST protected statements only you can access. com/paperless: Learn more at discover NEW CUMBERLND PA 17070- I' . 1458 , ' Po sox 11084 III~~~IL~rIIt~~LI~~~~Jll CHARLOTTE NC 28272-1084 lddress, e-mail or telephone change8 Print c ange in space I~rl~ll~~l~~~l~llr~~li~lil~r~l~lliirli~l~ili~lliiliiliilili~ll ibovs, or go to Discover.com. Print your e• ail address to eceive important Account information ands cial offers. 0000019864585840322 8001274200050000001500 Discover More Card ACCO I Unt Summary i Closing Date: July 9, 2007 page 1 of 1 4count number ending in 6925 Previous Balance $173.75 'ayment Due Date August 8, 200 Payments And Credits - 50.00 VlinimumPaymentDue $15.00 Purchases + 0.00 ~redit limit $5,000.00 ~ Cash Advances + 0.00 ~redit Available $4,872.00 ~ Balance Transfers + 0.00 ash Credit Limit $2,500.00 I + 3.67 Finance Charges ash Credit Available $2,500.00 ', _ New Balance $127.42 You may be able to avoid Periodic Finance Charges, see the ', reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 25.92 ~ New Cashback Bonvs This Period + 0.00 I~ Cashback Bonus Balance $ 25.92 Cashback Bonus® Anniversary ~~ ~ Month: January ' CONGRATULATIONSI Your Cashback I Bonus(R) is waiting For you. Visit li Discovercard.com or call 1-800-DISCOVER (1.800.347-2683) to get your share of America's #1 Cash Rewards Program. How, Can We Help You? 1. visit Disco,-er.com to pay your bRl for no cost, view ya~r latest Account information, earn and redeem rewards and mo s to h It's our choice - 3 wa 2. Call 1.8oaDISCOVER (347-2683) for Fast, easy self-service I y y p options or to speak with a Customer Service Account ManagE Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired s e reverse side Salt Lake Cify, UT 84130 Transactions $0 Fraud Li bility Guarnntee Use your Discover Card with confidence. Trans. Po Dats Da Payments and Credits Jun 30 1u 30 PAYMENT -THANK YOU $ -50.00 Finance Charge Summo Balance Transfer offer For current billing per od: Daily Periodic Rate: 0.05477°; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $152.17 0.07942% 28.99% F 28.999'° $3.62 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 Balance Transfers $6.79 0.027129'° 9.909'° F 9.909'° $0.05 $0 The rates that apply to your Account are eit er fixed (F) or they may vary (VI as noted above. Manage your account your way -whether ou prefer to speak with a live person or manage it on your own, Diseover(R) C'arrl has the right ncenunt mannneme~f n inns far vnu Visit Disrovercard eom nr call 1.A00-DISC~VFR IJC.~.tN tK $79,63 !! I $15.00 I Enter Amount Enclosed Below ! Payment Due Date September 8, 2007 please make check payable to Discover Card day online ®Discovercard.com. 09 SOSN6A01 0003009 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 -1458 Learn more at discover.comlpaperless. II PO BOX 71084 Illnelln~llnel~lne,elll ! CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print above, or go to Discover.com. Print your e• hangs in space ~e1lelle1le1elell11tle1lele1el'Ile1ele1le1le1lle1llele1l'le1'I ail address to receive important Account information and pecial offers. 0000019864585840322 680D07963000500DOOD1500 Discover More Card Acc unt Summary Closing Date: August 9, 2007 page 1 of 1 Account number ending in 5925 Previous Balance $127.42 Payment Due Date September 8, 007 Payments And Credits - 50.00 Minimum Payment Due $15.00 Purchases + 0 00 Credit Limit $5,000.00 . Cash Advances + 0.00 Credit Available $4,920:00 Balance Transfers + 0 00 Cash Credit Limit $2,500.00 . Financs Charges + 2.21 Cash Credit Available $2,500.00 _ ____ New Balance $79.53 j You may be able to avoid Periodic finance Charges, see the ~ reverse side for details. Cashback Bonus® ~ Opening Cashback Bonus Balance $ 25.92 I New Cashback Bonus This Period + Q,QQ Cashback BonusBalance $ 25.92 Cashback Bonus® Anniversary Month: January !i CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800.DISCOVER (1.800.347-2583) to get your share of America's #1 Cash Rewards Progr a m. ~ / How Can We Hel 1 o(J? I~ 1 . Visit Discovsr.com to pay your bill for no cost, view our latest Account information earn and redeem rewards and ma It's your choice - 3 ways to h , Ip 2. Call 1-800.DISCOVER {347-2583) for fast easy selFservice Please have your Discover Card available. , options or to speak with a Customer Service Account Manage For TDD assistance For hearin ( g impaired) s 3. Write us at Discover Card, PO Box 30943, e reverse side Salf Lake City, UT 84130 Transactions $o Fraud Li bf(ffy Guarantee Use your Discover Card with confidence. Trans. Po Date Da Payments and Crodits Jul 17 Jul 17 PAYMENT -THANK YOU $ -50.00 Finance Char ge Summa Balance Transfer offer for currant billing peri d: Daily Periodic Rate: 0.027123'°; corresponding ANNUAL PERCENTAGE RATE: 9.905'0. Rate is subject to the terms o the offer including expiration. Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ale es Rates RATES RATES CHARGES CIiARGES current billing period: 31 days Purchases $89.89 Cash Advances $0 0.079425'° 28.99% F 26.995'° $2.21 $0 0.079425'° 28.99`Y° F 28.995'° $0 $0 the rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. Manage your budget, track your spending a d d avoid Fees with FREE timely email reminders. Learn more about e-mail remin ers and nthwr wnsv nnlinw n~rniinl mn nnamane nneinne „e nt.....~.e....,..J ,.,,,„ /.-...;...J.... V ~,(r!;,,,,1V CK 576.35 1515.00 I Enter Amount Enclosed Below J Payment Due Date October 8, 2007 please make check payable to Discover Card pay online ~ Discovercard,com. 09 SDSN6A010003010 KEEPER, RICHARD G Gopaperlessandmakeyouraccount 1718 LOCUST 5T information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.comlpaperless. I PO SOX 71084 ~~~nr~~ur~~u~~r~-rnr~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print hangs in space ~~~I~II~~I~i~Iill~i~l~~l~'~~~IIII~~~I~~I~~I~~II~iI~~I~~I I I' above, or go to Diseover.com. Print your e- ~ ~~ ail address to receive important Account information and pecial offers. 0000019864585840322 68000763500040000001500 Discover More Card Acc unt Summary, Closing Date: September 9, 2007 page 1 of 1 Account number ending in 6925 Previous Balance $79.63 Payment Due Date October 8, 2 07 Payments And Credits - 40.00 Minimum Payment Due $15.00 Purchases + 34.90 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $4,923.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges ___ + 1.82 Cash Credit Available $2,500.00 I New Balance $76.35 !I You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® i Opening Cashback Bonus Balance $ 25.92 New Cashback Bonus This Period + 0.09 ~', Cashback Bonus Balance $ 26.01 Cashback Bonuses Anniversary Month: January ~, 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 Progr am. V How Can We Hel 1 OU? P 1 • Visit Discovsr.com to pary your bill kr no cost, view your l A f atest ccount in ormation, earn and redeem rewards and me ~t'S your choice ' 3 Ways t0 h ~p 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 Manage For TDD (assistance for hearing impaired) s 3. Write us at Discover Card, PO Box 30943, reverse side Salt Lake City, UT 84130 Transactions So fraud a bility Guarantee Use your Discover Card with confidence. Trans. Po t Date D Payments and Credits Aug 29 A g 29 PAYMENT -THANK YOU $ -40.00 Government Services Sep 2 Se 2 US MINT LANDHAM MD 34.90 Finance Charge Summa Balance Transfer offer for current billing pe od: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms f the offer including expiration. Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $74.07 0.079429'0 28.99% F 28.99% $1.82 $0 Caih Advances $0 0.079423'0 28.99~o F 28.993e $0 $0 The rates that apply to your Account are sit er fixed (F) or they may vary (V) as noted above. VIJC.~VtK Payment Due Date November 8, 2007 please make check payable to Discover Card or pay online 0? Discovercard.com. 09 SDSN6A010003011 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070-1458 $15.00 ~ Enter Amount Enclosed Below Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~nr~~nr~~ni~r~rnn~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print hangs in space I~~I~II~~I~~~~~II~~~I~~I~'111II~I111I~~I'~I'1II„I11I~1I,I~tI' above, or go to Discover.com. Print your o- ail address to receive important Aeeount information and pecial offers. 0000019864585840322680~4952300080000001500 Account number ending in 6925 Discover More Card Payment Due Date November 8, Minimum Payment Due $15.00 Credit Limit $5,000.00 Credit Available $4,504.00 Cash Credit Limit $2,500.00 Cash Credit Available $2,500.00 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Cashback Bonus® Anniversary Month: January 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. Previous Balance $76.35 Payments And Credits - 80.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 477.00 Finance Chargsa _ + 21.88 New Balance $495.23 Opening Cashback Bonus Balance $ 26.01 New Cashback Bonus This Period + 0,00 Cashback Bonus Balance $ 26.01 How Can We Hel You? p ' 1. visit Oiscaver.cam to pay your bill for no cost, view our latest Account information earn and redeem rewards and m ~t S your choice - 3 ways to h , ore Ip 2. Call 1-800.DISCOVER (347.2683) for fast eas self-service Please have your Discover Card available. , y options or to speak with a Customer Service Account Manager For TDD (assistance For hearing impaired) s reverse side 3. Write us at Discover Card, PO Box 30943, Self Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Pos Data Da Paymsnta and Credits Sep 16 Se 16 PAYMENT -THANK YOU $ -80.00 Balance Transfers Sep 19 Se 19 BALANCE TRANSFER CHECK 0402 477 00 Sep 19 Se . 19 BAL TRANS TRANSACTION FEE FINANCE CHARGE 19.08 APR 9.90% EXPIRES Ol /2008 Wish you could sort these purchases by vnur nnretinswe n~linra ne Fnr hnr4 ne 19 nt Summary Closing Date: Ocrober 9, 2007 page 1 of 2 ,description or categoryi' You can - re aster at Discovercard.com to view i e,,... ,,..,.- ..r m.,.,,.,,,......a ...._ i-... ~_.-- u ~~\s~;~s s ~K I p'SCV~~ Account number ending m ouzo Get added security wi no paper trail ----, Make your account information m re secure with '-~f ~! password•protected statements tha only you can access. 3 i • Access up to 24 months of do rintable statements nloadable, ~ Sign up today at ~~ Discovercom/paperless p . • See your statement as soon as it's available ju ~' rather than wait for it to arrive in your mailbox. • Get helpful payment reminder through a-mail `~° ' r or text messages on your mob r, ' ~, le phone. ---~~ ,~ • Print a paper copy of your std .. ernent anytime. ~ a2oo9 iscrnor 60nk, FAember FDIC Closing Date: October 9, 2007 page 2 of 2 Finance Charge Summa Balance Transfer offer for current billing per od: Daily Periodic Rate: 0.021649'0; corresponding ANNUAL PERCENTAGE RATE: 7.90%. Rate is subject to the terms the offer including expiration. Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily lanc s Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CfARGES CbARGES current billing period: 30 days Purchases $0 0.079429:0 28.9990 F 28.999'0 $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 Balance Transfers $345.63 0.02712% 9.909'0 F 55.049'0 $2.80 $19.08 The rates that apply to your Account are sit er fixed (Fl or they may vary N) as noted above. QUeStlOnS? Manage your acc unt at Discover.com or ,.,,n ~_Rnn.nlcrnvcQ tl_ann_~~t~ ~~azt V~~~,V `K $398.72 09 SDSN6A010003012 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17076 $15.00 Enter Amount Enclosed Below Payment Due Date ~ ~_~ December 8, 2007 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access, • 1458 Learn more at discover.comlpaperless. PO BOX 71084 Ilir~rlt~~~llr~~l~l~r~~rlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print hangs in space li~lil~iil~r~l~l~~iiliililii~~lll~~ili~~iiliillr~li~l~ilil~ill above, or go to Discover.com. Print your e• aii address to receive important Aeeount information and pedal offers. 0000019864585840322680039872001D0000001500 Discover More Card Account number ending in 6925 Payment Due Date December 8, Minimum Payment Due $15.00 Credit Limit $5,000.00 Credit Available $4,601.00 Cash Credit Limit $2,500.00 Cash Credit Available $2,500.00 Cashback Bonus® Cashback Bonus® Anniversary. Month: January 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. Summary Closing Date: November 9, 2007 page 1 of 2 Previous Balance $495.23 Payments And Credits 100.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges _ + 3.49 _ New Balance _ m $398.72 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Opening Cashback Bonus Balance $ 26.01 New Cashback Bonus This Period + 0,00 Cashback Bonus Balance $ 26.01 How Can We Hel 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 h Ip 2. call 1-800-DISCOVER (347-2683) for Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager for TDD assistance for hearin 3. Write us at Discover Card, PO Box 30943, ( g impaired) s e reverse side Salt Lake Cify, UT 84130 Transactions $0 Fraud Trans. Date Payments and Crodits Oct 16 Wish you could sort these purchases by ~innr nnr~tin<ae nnlinn n. Fnr t..,~L ..r 19 Guarantee Use your Discover Card with confidence. 16 PAYMENT • THANK YOU $ -100.00 description or category$ You can - re~ister at Discovercard.com to view J ~J~ • ~" ~ DISC VER ~ Account number ending in OY'LJ Get added security wit no paper trail n Make your account information m re secure with password•protected statements the only you can access. • Access up to 24 months of do Sign up today at nloadable, printable statements. I~ISCOVer COItI a erless ~ /p p r+ ' • See your statement as soon as it s available rather than wait for it to arrive in your mailbox. ~ • Get helpful payment reminder through a-mail `':~ ~ ~ or text messages on your mob --'rF'i'16 le phone. - ,~,,, .. • Print a paper copy of your sta »~re•• _ _ 11!!'^ ement anytime. oypoq Discover Bank, Member FDIC Closing Date: November 9, 2007 page 2 of 2 Finance Charge Summa Balance Transfer offer fur current billing per od: Daily Periodic Rate: 0.021643'°; corresponding ANNUAL PERCENTAGE RATE: 7.903'°. Rate is subject to the terms f the offer including expiration. Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.07942% 28.999'o F 28.99% $0 $0 Cash Advances $0 0.07942°'° 28.999'° F 28.99% $0 $0 Balance Transfers $416.32 0.02712% 9.90% F 9.909'° $3.49 $0 previous billing period: 30 days Purchases $0 0.079429'° 28.999'° F 28.499'° $0 none The rates that apply to your Account are eit er fixed (F) or they may vary (V) as noted above. QUeStIOnS~ Manage your acc unt at Discover.com or ,.,.n ~_>ann_nicrnvco tt ann~e~ ~,cQ~t ~V\rV.CK $301.3 $15.00 I Enter Amount Enclosed Below Payment Due Date $ ~--~ January 8, 2008 please make check payable to Discover Card pay online ~ Discovercard.com. 09 SDSN6A010003013 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 1707 -1458 Learn more at discover.com/paperless. PO BOX 71084 Illuelluellnelelnenlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeR Prin above, or go to Discover.com. Print your change in space ~i~lilln~~iilill~i~~iilili~illl~~iiliili~~~i~li~liil~~lil~ill mail address to receive important Account information and special offers. 000001986458584032 6800301390010D000001500 Discover More Card Acc unt Summary Closing Date: December 9, 2007 page 1 of 1 Account number ending in 6925 Previous Balance $398 72 Payment Due Date January 8, 2 . 8 Payments And Credits - 100 00 Minimum Payment Due $15.00 . Purchases + 0 00 Credit Limit $5,000.00 . Cash Advances + 0 00 Credit Available $4,698.00 . Balance Transfers + 0 00 Cash Credit Limit $2,500.00 . Finance C har~ss + 2 67 Cash Credit Availab-e $2,500.00 _ _ _ . New Balance _ $301.39 You may be able to avoid Periodic Finance Charges,. see the reverse side for details. CaSI16aCIC BOr1US® Opening Cashback Bonus Balance $ 26.01 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 26.01 Cashback Bonus® Anniversary Month: January 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 Prog ra m. ~ / How Can We Hel 1 oU? P 1 • Visit Discover.com to pay your bill for no cost, view our latest Account informotion earn and redeem rewards and mo It's your choice - 3 ways to h , Ip 2. Call 1.800-DISCOVER (347-2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manage For TDD assistance for hearin ( g impaired) s 3 • Write us at Discover Card, PO Box 30943, e reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. D s D f ate Payments and Credits Nov 19 N v 19 PAYMENT -THANK YOU $ -100.00 Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic fee Periodic PERCENTAGE PERCENTAGE F INA FIN Balances C Rates RATES RATES ~R ES C G ES current billing period: 30 days Purchases $0 Cash Advances $0 0.07942% 28.999'o F 28.99% $0 $0 0.079429'e 28.999a F 28.999.0 $0 $0 Balance Transfers $330.08 0.027129a 9.909e F 9.909'0 $2.67 $0 the rates That apply to your Account are eit er Fixed (F) or they may vary (V) as noted above. V I,~~~ ~~( $253.66 $15.00 I Enter Amount Enclosed Below Payment Due Date February 8, 2008 please make check payable to Discover Card pay online ~ Discovercard.com. 09 SDSN6A01 0003014 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.comlpaperless. PD sox 71084 Ill,r~llrrrllrrrl~l~rrr~lll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print hangs in space I~~I~II~~I~~~~~Il~i~li~I~I~~~II"~~~I~ l l ll ' I I I II above, or go to Discover.com. Print your e- ~ i~ ~~ ~i ~~ ~I ~ ~~ ail address to receive important Account information and pecial offers. ^000019864585840322 8002536600050000001500 Discover More Card Acc unt Summary Closing Date: January 9, 2008 page 1 of 1 Account number ending in 6925 Previous Balance $301.39 Payment Due Date February 8, 2 08 Payments And Credits - 50.00 Minimum Payment Due $15.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $4,746.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finance Chargss + -2,27 Cash Credit Available $2,500.00 New Balance $253.66 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CCSIIIaCtIC Bct1US® Opening Cashback Bonus Balance $ 26.01 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 26.01 Cashback Bonus® Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1.800-347.26831 to get your share of America's #1 Cash Rewards Program. How Can We Hel YOU? p 1 • Visit Discoverxom to pay your bill {or no cost, view ur latest Account information, earn and redeem rewardsaand me It's your choice - 3 ways to h Ip 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 AccounYManag~ For TDD assistance for hearin im aired s ( 8 ~ P ) e reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 fraud li bility Guarantee Use your Discover Card with confidence. Trans. Po t Date D Payments and Credits Dec 22 De 22 PAYMENT -THANK YOU $ -50.00 Finance Charge Summa Balance Transfer offer for current billing per od: Daily Periodic Rate: 0.021649'0; corresponding ANNUAL PERCENTAGE RATE: 7,909e. Rate is subject to the terms F the offer including expiration. Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.07942% 28.999e F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.999'0 $0 $0 Balonce Transfers $271.89 0.027129'0 9.90% F 9.909'0 $2.27 $0 The rates that apply to your Account are sit er Fixed (F1 or they may vary N1 as noted above. Wish you could sort these purchases by am vour h li F b k 12 unt, description or categoryZ You can -- regaster at Discovercard.com to view h purc ases on ne as ar ac as m nt s. Learn more at Discovercard.com/purchases V~ ~,LV tK $158.14 I $15.00 I Enter Amount Enclosed Below Payment Due Date ~ ~-~ March 8, 2008 please make check payable to Discover Card pay online ~ Discovercard.com. 09 SDSN6A01 0003015 KEEPER, RICHARD G Gopaperlessandmakeyouraccount 1718 LOCUST ST Information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 -1458 Learn more at discover.com/paperless. PO BOX 71084 III~~rII~~rII~~~I~I~~~~~III CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print above, or go to Discover.com. Print your e- hangs in space I~~I~II~~I~~~I~II~~~~~~I~I~iiIII~~~~~~~Ii~~~~I~~ilii~i~Iil~i~I ail address to receive importonT Account information and pecial offers. 0000019864585840322 68001581400100000001500 Discover More Card Acc unt Summary Closing Date: February 9, 2008 page 1 of 1 Account number ending in 6925 Previous Balance $253.66 Payment Due Date March 8, 200 Payments And Credits - 100.00 Minimum Payment Due $15.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $4,841.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance_ C_h_argss + 4.48 Cash Credit Available $2,500.00 New Balance = $158.14 You may be able to,avoid Periodic Finance Charges, see the reverse side for details. CdSlthtlClC BOt1USe Opening Cashback Bonus Balance $ 26.01 New Coshback Bonus This Period + 0.00 Cashback Bonus Balance $ 26.01 Cashback Bonus® Anniversary Month: January 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 Progr am. V How Can We Hel IOU? P 1 • Visit Discover.com to pay your bdl foc no cost, view our l t t A f s ItrS yOUy ChOICe - 3 Ways t0 h a es ccount in ormation, earn and redeem reward and me Ip 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 Manngi For TDD (assistance For hearing impaired) s e reverse side 3. Write us at Discover Card, PO Box 30943, Salt lake Cify, UT 84130 Transactions $0 Fraud Li bllfty Guarantee Use your Discover Card with confidence. Trans. Po Dais Da Payments and Crsdits Jan 18 Ja 18 PAYMENT -THANK YOU $ -100.00 Finance Charge Summa Average Dail Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee P PERCENTAGE PERCE i di T y Balances er o c N AGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $181.86 Cash Advances $0 0.079429'0 28.99% F 28.99`Yo $4.48 $0 0.079429'0 28.99~o F 28.99°e $0 $0 The rates that apply to your Account are sit er fixed (F) or they may vary (V) as noted above. Visit the NEW Discover Insurance Center to online nr use the Knnwlerlne Rnilrler fn renr~ find high quality protection for your family, home and auto. Reqquest a quote w{+nl t o eY..e.~. <.,., n4 .~~~ ...,., L ~; c : G ,, .. .. ~..~~,.,....,, ,,,,.., ,,,,. ... _ ...,,.-~:__ ....:. V ~J~^'v CK 5131.37 ~ ~ 15.00 I Enter Amount Enclosed Below L Payment Due Date $ April 8, 2008 Please make check payable to Discover Card ~ pay online ~ Discovercard.com. 09 SDSN6A010003016 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Leammoreatdiscover.com/paperless. PO BOX 71084 Ill~~rll~~rll~r~lrlr~~„III CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print hangs in space I~~I~II~iI~~~I~II~~~I~~I~'~i~~III~~~I~~l~~'~~II~~I~rl~~l~l~rll above, or go to Discover.com. Print your e- ail address to receive important Account information and pecial offers. 0000019864585840322 8001313700030000001500 Discover More Card Acc unt Summary Closing Date: March 9, 2008 page 1 of 1 Account number ending in 6925 Previous Balance $158.14 Payment Due Date April 8, 2008 Payments And Credits - 30.00 Minimum Payment Due $15.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $4,868.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charles + 3.23 Cash Credit Available $2,500.00 New Balance = $131.37 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 26.01 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 26.01 Cashback Bonus® Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800.347-2683) to redeem. How Can We Hel You? p 1. visit Discuver.cem to pay your bJl for no cost, view your l t t A f d es a ccount in ormation, earn an redeem rewards and mo It's your choice - 3 ways to h Ip 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 Manage For TDD assistance for hearin im aired s ( 9 ~ P ) e reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po t Date D Payments and Credits Feb 20 Fe 20 PAYMENT -THANK YOU $ -30.00 Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $140.11 0.079429'0 28.99% F 28.999e $3.23 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are sit er Fixed (F) or they may vary (V) as noted above. IJC.~N tK $275.88 ~ $15.00 Enter Amount Enclosed Below Payment Due Date May 8, 2008 Please make check payable to Discover Card pay online ~ Discovercard.com. 09 SDSN6A010003017 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 1.7070 1458 Learn more at discover.comlpaperless. PO BOX 71084 Illn~ll~nlln~l~lnu~lll CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print above, or go to Discover.com. Print your o- hangs in space I~iI~II~~I~~~lilli~~~~~I~I~~~II~I~~~I~~I~~I~IIII~I~~l11I'I~~II ail address to receive important Account information and pecial offers. 0000019864585840322 68002758800050000001500 'Discover More Card Acc unt Summary Closing Date: April 9, 2008 page 1 of 1 Account number ending in 6925 Previous Balance $131.37 Payment Due Dafe May 8, 2008 Payments And Credits - 50.00 Minimum Payment Due $15.00 Purchases + 189.74 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $4,724.00 Balance Transfers + 0 00 Cash Credit Limit $2,500.00 . Finance Charms + 4.77 Cash Credit Available $2,500.00 _ New Balance = $275.88 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 26.01 New Cashback Bonus This Period + 0.47 Cashback Bonus Balance $ 26.48 Cashback Bonus Anniversary Month: January CONGRATULATIONSI Your Coshback Bonvs(R) is waiting For you. Visit Discoveccom or call 1-800-DISCOVER (1-600-347.2683) to redeem. How Can We Hel YoIU? P 1. Visit Discover.com to poy your bbl (or no coat, view your l It's your choice - 3 ways to h atest Account information, earn and redeem rewards and me Ip 2. Call 1-800-DISCOVER (347-2683) for Fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manage For TDD asstsfance for hearin ( g impaired) s 3. Write us at Discover Card, PO Box 30943, e reverse side Salt Lake City, UT 84130 Transactions $0 fraud li biliry Guarantee Use your Discover Card with confidence. Trans. Po Date Da Payments and Credits Apr 2 Ap 2 PAYMENT -THANK YOU $ -50.00 Merchandise/Retail Mar 29 M r 29 APL*APPLEONLINESTOREUS 800-676-2775 CA 189.74 10587488 Finance Charge Summa Average Dail Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee P i PERCENTAGE di y I nc er o c PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $193.78 Cash Advances $0 . 0.079423'0 28.9930 F 28.9996 $4.77 $0 0.079429'0 28.99% F 28.99% $0 $0 The rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. Visit the Discover Insurance Center to Find hi h quality protection For your family, home and auto. Request a quote online or L139 thn KrtoWlRrIf1A RIIItfIAf t(1 rAllr~ WttlY} ft~p VACr4! ll~./ nt1/.i .{ nn~.i~ne .ne..~rrnnu r.r.ne~i r~nn ~/:. it L i~a~+ Y ~~ ~s3Y.~s I 1516At) Enter Amount Enclosed Below Payment Due Date June 8, 2008 Please make check payable to Discover Card pay online ~ Discovercard.com. 09 SDSN6AOt0003018 KEEPER, RICHARD G Gopaperlessandmakeyouraccount 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Leammoreatdlscover.corn/paperless. PO BOX 71084 III~~~II~~~II~~~I~I~~„~III CHARLOTTE NC 28272-1084 Address, e-mail or telephone change;? Print above, or go to Discover.com. Print your e• hangs in space I~~I~II~i~~~il~l'~~~I~~I~I~~~IIII~~~I~~I~~I~~II~~I~~I~II~I11II ail address to receive important Account information and pecial offers. 0000019864585840322 8003398100050000001500 Discover More Card Acc unt Summary Closing Date: May 9, 2008 page 1 of 1 Account number ending in 6925 Previous Balance $275.88 Payment Due Date Jvne 8, 2008 Payments And Credits - 50.00 Minimum Payment Due $15.00 Purchases + 106.94 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $4,660.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Finance Char as + 6.99 Cash Credit Available $2,500.00 New Balance = $339.81 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus° Opening Cashback Bonus Balance $ 26.48 New Cashback Bonus This Period + 0.26 Cashback Bonus Balance $ 26.74 Cashback Bonus®.Anniversaty Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800-347-2683) to redeem. How Can We Hel YOU? P 1 • Visit Discover.com to pay your bill for no cost, view our latest Account information, cam and redeem rewards and ma It's your choice - 3 ways to h Ip 2. Call 1.800.DISCOVER (347.2683) for fast easy self-service Please have your Discover Card available. , . options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) s reverse side 3. Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po Dare Da Payments and Crodits Apr 25 Ap 25 PAYMENT • THANK YOU $ -50.00 Services May 3 Ma 3 PAYPAL *HILL6128 4029357733 CA 21,70 Home Improvement Apr 28 Ap 28 WOODCRAFT SUPPLY 800.535.4482 WV 85.24 09957422000 Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CF~ARGES CHARGES current billing period: 30 days Purchases $293.26 0.079420 28.99~e F 28.999'0 $6.99 $0 Cash Advances $0 0.079429`0 28.999e F 28.999'0 $0 $0 The rates that apply to your Account are eith r fixed (F) or they may vary N) as noted above. u ~J~ V CK $351.19 I $15.00 I Enter Amount Enclosed Below Payment Due Date July 8, 2008 Please make check payable to Discover Card pay online ~ Discovercard.com. 09 SDSN6A010003019 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST 5T information more secure with password- NEW CUMBERLND PA 17070 protected statements only you can access. -1458 Learn more at discover.comlpaperless. PO BOX 71084 Illeerllerelleerlrlreerelll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print above, or go to Discover.com. Print your e- hangs in space Ie1~elle1~~eelelle1~'e1IeI1e1'II'~eele1l„~e1lle1Ie1I~1I~le1I' ail address to receive important Account information and pecial offers. 0000019864585840322 68003511900050000001500 Discover More Card Acc unt Summary Closing Date: June 9, 2008 page 1 of 1 Account number ending in 6925 Previous Balance $339.81 Payment Due Date July 8, 2008 Payments Arid Credits - 50 00 Minimum Payment Due $15.00 . Purchases + 51 94 Credit Limit $5,000.00 . Cash Advances + 0 00 Credit Available $4,648.00 . Balance Transfers + 0 00 Cash Credit Limit x2,500.00 . Finance Charges + 9.44 Cash Credit Available $2,500.00 _ _` New Balance $351.19 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 26.74 New Cashback Bonus This Period + 0. ~ 2 Cashback Bonus Balance $ 26.86 Cashback Bonus® Anniversary. Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800.DISCOVER (1.800.347.2683) fo redeem. How Can We Hel You? p 1 • Visit Discovsr.com to pay your bRl for no cost, view our latest Account information earn and redeem rewards and mo It's your choice - 3 ways to h , Ip 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manage for TDD (assistance for hearing impaired) s e reverse side 3. Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions $0 Fraud Li bflfty Guarantee Use your Discover Card with confidence. Trans. Po Date Da Payments and Crodits tun 3 Jun 3 PAYMENT -THANK YOU $ •50.00 Merchandise/Retail May 1 1 M 1 1 APL*APPLEONLINESTOREUS 800.676-2775 CA 51.94 11311390 Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Raies RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $383.42 Cash Advances $0 0.07942% 28.99% F 28.999'0 $9.44 $0 0.07942% 28.9990 F 28.999'0 $0 $0 The rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. u ~,~f:;~ ;1 v CK $578. I0 $18.00 Enter Amount Enclosed Below Payment Due Date August 8, 2008 Please make check payable to Discover Card pay online ~ Discovercard.com. D9 SDSN6A01 0003020 KEEPER, RICHARD G Gopaperlessandmakeyouraccount 1718 LOCUST ST information more secure with password- pprotected statements only you can access. NEW CUMBERLND PA 17070 1458 Leammoreatdiscover.com/paperless. PO BOX 71084 ~~~+~~~~~~~~~~~~~~~~~~~~~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print hangs in space II~I~II~~~IIII~II~~~I~~I~I~~~IIII~~~I~I~~~I~~~I~~~I~I~~I~I~ II above, or go to Discover.com. Print your e- I ail address to receive important Account information ands ecial offers. 000001986458584032.2 8005781000025000001800 Discover More Card Acc unt Summary Closing Date: July 9, 2008 page 1 of 1 Account number ending in 6925 Previous Balance $351.19 Payment Due Date August 8, 200 Payments And Credits - 25.00 Minimum Payment Due $18.00 Purchases + 241.20 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $4,421.00 Balance Transfers + .0.00 Cash Credit Limit $2,500.00 Finance Charges + 10.71 Cosh Credit Available $2,500.00 New Balance $578.10 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 26.86 New Cashback Bonus This Period + 0.60 Cashback Bonus Balance $ 27.46 Cashback Bonus® Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1-800.DISCOVER (1-800.347.2683) to redeem. How Can We Hel You? {~ 1 • Visit Discowr.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and ma It's your choice - 3 Ways t0 h ~p 2. Call 1-BOaDISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manog~ For TDD (assistance for hearing impaired) s 3. Write us at Discover Cal•d, PO Box 30943, reverse side Salt Lake City, UT 84130 Transactions $0 fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po Date Da Payments and Crodits 1ul 1 Jul PAYMENT -THANK YOU $ -25.00 Merchandise/Retail tun 30 Jun 30 THE MEDICINE SHOPPE #427 N CUMBERED PA 47.39 Gasoline Jun 17 Jun 17 .SUNOCO LEMOYNE PA 48.81 Medical Services tun 30 Jun 30 WOOD & MYERS ORAL AND MA CAMP HILL PA 145.00 Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily B ces Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $449.85 0.07942% 28.99% F 28.99°/.0 $10.71 $0 Cash Advances $0 0.07942% 28.993'° F 28.999'0 $0 $0 The rates that apply to your Account are eiih r fixed (F) or they may vary (V) as noted above. Wish yov could sort these purchases by am unt, description or category You can -register at Discovercard.com to view vnnr nnrr•t.ncee nnlina n¢ fnr hnr•ir ne 1 7 mn f{~< I enrn mnro ni fli¢rrniarnnrrl rnm /nnrnhnee¢ V "`c;, v CK $703.14 $22.00 ~ Enter Amount Enclosed Below 1 Payment Due Date September 8, 2008 please make check payable to Discover Card pay online ~ Discovercard.com. 09 SDSN6A01 0003021 KEEPER, RICHARD G Gopaperlessandmal<eyouraccount 1718 LOCUST ST Information more secure wdh password- pprotected statements only you can access. NEW CUMBERLND PA 17070 1458 Leammoreatdiscover.comlpapertess. PO BOX 71084' III~r~II~~~IL~~I~Lrr~~lll CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes Print above, or go to Discovar.com. Print your e- hangs in space I~~'iII~~I~~~I~II~~~I~~l~l~~~'lll'~~I~I~"I„II11I„I11I1I"'I ail address to receive important Aecount information and ecial offers. 0000019864585840322 8007031400050000002200 Discover More Card Acc unt Summary Closing Date: August 9, 2008 page 1 of 1 Account number ending in 6925 Previous Balance $578.10 Payment Due Date September 8, 008 Payments And Credits - 55.45 Minimum Payment Due $22.00 Purchases + 162.93 Credit Limit $5,000.00 Cash Advances + 0 00 Credit Available $4,296.00 . Balance Transfers + 0 00 Cash Credit Limit $2,500.00 . Finance Char es + 17.56 Cash Credit Available $2,500.00 __ New Balance = $703.14 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaShbatk Bdnus® Opening Cashback Bonus Balance $ 27.46 New Cashback Bonus This Period + 0.39 Cashback Bonus Balnnce $ 27.85 Cashback. Bonuses Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800.DISCOVER (1-800.347.2683) to redeem. How Can We Hel YOU? p 1 ~ Visit Dis<owr.com to pay your bill for no cost, view our l t t A t i f s It's your choice - 3 ways to h a es ccoun n ormation, earn and redeem reward and mo Ip 2. Call 1-800.DISCOVER (347-2683) for Fast eas self-service Please have your Discover Card available. , y options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li ility Guarantee Use your Discover Card with confidence. Trans. Po Dots Da Payments and Crodits Jul 29 Jul 1 EAGLE AMERICA CORPORATIO CHARDON OH $ -5.45 Aug 3 Au 3 PAYMENT • THANK YOU -50.00 Merchandise/Retail Jul 18 Jul 8 EAGLE AMERICA CORPORATIO CHARDON OH 66.20 Home Improvement Jul 8 ]ul 0 WOODCRAFT 5523 HARRISBURG PA 59 78 Jul 15 Jul . 5 TYLER TOOL CO INC TYLERTOWN MS 36.95 Finance Charge Summa Average Dail Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee P i di PERCENTAGE y Balances er o c PERCENTAGE FINANCE FIN~~3 Rates RATES RATES CHARGES current billing period: 31 days Purchases $713.30 Cash Advances $0 0.07942°0 28.9990 F 28.999'0 $17.56 $0 0 079 ' ' ' . 429 0 28.999 0 F 28.999 0 $0 $0 The rates that apply to your Account are eith r Fixed (F) or they may vary (V)as noted above. ~f~~~~:~~v~~ $889.56 09 SDSN6A01 0003022 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070 1458 $27.00 I Enter Amount Enclosed Below Payment-Due DateI ~ r~ October 8, 2008 Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Ill~rrlir~rll~~~irlrrr~~lll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print ange in space I~~(~((~~I~~~I~I(~~~'~~I~I~~~I~II~~~I~~(~~I~~I(~~I~~I~~I~I~~II above, or go to Discover.com. Print your e- ail address to receive important Account information ands ecial offers. 0000019864585840322 8008895800100000002700 Discover More Card Account number ending in 6925 Payment Due Date October 8, Minimum Payment Due $27.00 Credit Limit $5,000.00 Credit Available $4,110.00 Cash Credit Limit $2,500.00 Cash Credit Available $2,500.00 nt Summary Closing DaFe: September 9, 2008 page 1 of 2 Previous Balance $703.14 Payments And Credits - 100.00 Purchases + 266.56 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Chargsa + 19.88 New Balance ~ $ggq,$8 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Cashback Bonus®.Since Anniversary Month. January: $8.26 CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1-800-DISCOVER (1-804-347-2683) to redeem. Opening Cashback Bonus Balance $ 27.85 New Cashback Bonus This Period 59o Cashback Bonus + 6.19 Everywhere Else + 0.23 Cnshback Bonus Bnldnce $ 34.27 How Can We Hel You? {3 It's your choice - 3 ways to h Please have your Discover Card available. For TDD assistance For hearin im fired se ( g p° ) 1 • Visit Discover.com to pay your bill for no cost, view ur latest Account information, earn and redeem reward and more Ip 2. Call 1-800-DISCOVER (347-2683) For fast, easy selFssrvice options or to speak with a Customer Serviee Account Manager .reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Li ilfty Guarantee Use your Discover Card with confidence. Trans. Pos Dais Da Payments and Credits Sep 1 Sep 1 PAYMENT -THANK YOU $ -100.00 Gasoline Aug 11 Au 1 1 SUNOCO LEMOYNE PA 15.33 Aug 12 Au 12 SUNOCO LEMOYNE PA 50.49 Aug 13 Au 13 SUNOCO LEMOYNE PA 10.47 Aug 26 Av 26 BJS FUEL #9025 CAMP HILL PA 50.01 Aug 30 Au 30 BJS FUEL #9025 CAMP HILL PA 50.06 Sep 4 Sep 4 SUNOCO LEMOYNE PA 23.71 Sep 7 Sep 7 BJS FUEL #9025 CAMP HILL PA 50.05 Horns Improvement Sep 8 Sep 8 COOKING AND CANNING BUCKEYE AZ 16.44 IJL~V ~„ ~ DISC?VER' ~ Account number ending in 69ZS Get added security wi no paper trail - . - Make your account information m re secure with password-protected statements tha only you can access. • Access up to 24 months of do ~ !, Sign up today at nloadable printable statements. , ' ; DISCOV@GCOftl~pap@I'~@SS • See your statement as soon as i; it's available ~ ' ~> rather than wait for it to arrive in your mailbox. ~, • Get helpful payment reminders through a-mail or text messages on your mobi a phone. ~ " • Print a paper copy of your stat :, ment anytime. 6'32000 Dixwer (conk, Member FDIC Closing Date: September 9, 2008 page 2 of 2 Finance Charge Summa Average Daily Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $807.45 Cash Advances $0 0.07942% 28.99°k F 28.99% $19.88 $0 0.07942% 28.993'° F 28.993'° $0 $0 The rates that apply to your Account are eith r Fixed (F) or they may vary (V) as noted above. QUeSt10nS? Manage your acco nt at Discover.com or ,.~u ti.ann_nlcr^nvco rt_ann_~.i~_ ~A~- UISC: VtK $375.12 i $15.00 Enter Amount Enclosed Below Payment Dve Date November 8, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. 09 SDSN6A01 0003023 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070 Address, e-mail or telephone change$ Print above, or go to Discover.com. Print your e-r receive important Account information and Go paperless and make your account information more secure with password- protected statements only you can access. 1458 Learn more at discoveccomJpaperless. PO BDX 71084 Illurllnrllurlrlnnr CHARLOTTE NC 28272-1084 ige in space ~nlrl~n~uilr~lnilnlilnil~llurlu~ulul~u~uln~r~nll address to ial offers. OOODD19864585840322~800375120090DOODD0150D Discover More Card Account number ending in 6925 Payment Due Date November 8, Minimum Payment Due $15.00 Credit Limit $5,000.00 Credit Available $4,624.00 Cash Credit Limit $2,500.00 Cash Credit Available $2,500.00 Cashback Bonus® Cashback Bonus®Since Anniversary Month January: $21.53 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800.347-2683) to redeem. Summary Closing Date: October 9, 2008 page 1 of 2 Previous Balance $889.58 Payments And Credits - 900.00 Purchases + 385.54 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges _ + 0.00 New Balance $375.12 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Opening Cashback Bonus Balance $ 34.27 New Cashback Bonus This Period 59o Cashback Bonus + ~ 2, 83 Everywhere Else + Q.Q~, Cashback Bonus Balance $ 47.54 How Can We Hel You? 1 • Visit Discover.com to pay your bill for no cost, view our I~ latest Account information, earn and redeem rewards and more It's your choice - 3 ways to h Ip 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearin 3. Write us at Discover Card, PO Box 30943, ( g impaired) se reverse side Salt Lake City, UT 84130 Transactions $0 fraud Trans. Date Payments and Credits Sep 19 Merchandise/RetaN Oct 4 Gasoline Sep 13 Sep 17 Sep 19 Sep 20 Sep 28 Warehouse Clubs Oct 4 Guarantee Use your Discover Card with confidence. Sep 19 Oct 4 Sep 13 Sep 17 Sep 19 Sep 20 Sep 28 Oct •900.00 PAYMENT -THANK YOU STAPLES 001 16442 CAMP HILL PA BJS FUEL #9025 CAMP HILL PA SUNOCO LEMOYNE PA SUNOCO LEMOYNE PA BJS FUEL #9025 CAMP HILL PA BJS FUEL #9025 CAMP HILL PA BJ'S WHOLESALE HARRISBURG PA 10.59 50.07 28.03 28.68 50.01 50.04 168.12 ui~ ~''~"'~`~ Y C(R ~ DISCOVER' ~ Account number ending in 6925 Get added security wit no paper trail - ~ , . Make your account information m re secure with password-protected statements tha only you can access. • Access up to 24 months of do 5? Sign up today at [ nloadable printable statements. , ,'' Discovercom/paperless • See your statement as soon as it's available ~` rather than wait for it to arrive in your mailbox. r` • Get helpful payment reminders through a-mail ~~ I - or text messages on your mobi a phone. ~` •~ • Print a paper copy of your stat ment anytime. tp2009 Dixwer bank, Ahember FDIC Closing Date: October 9, 2008 page 2 of 2 Finance Charge Summary Average Daily Nominal Transaction gaily ANNUAL ANNUAL Periodic fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rotes RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 Cash Advances $0 0.07942% 28.999'o V 28.99`Yo $0 $0 0.079429e 28.9950 V 28.99% $0 $0 The rates that apply to your Account are eithe fixed (F) or they may vary (VI as noted above. QUeStlOnS? Manage your acco nt at Discover.com or ..,,II ~_ann_ntcrn~ico ti sznn ~~~ .co~i u~l I~~f~ ~w ~~ $354.15 $15.00 Enter Amount Enclosed Below Payment Due Date December 8, 2008 please make check payable to Discover Card i pay online ~ Discovercard.com. 09 SDSN6A010003024 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.corNpaperless. PO BOX 71084 ~~~rrr~~sn~~nr~r~nnr~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print ange in space Ir~Irl~rr~i~~Ir~Irrrl~~~rlrrrllllrr~Ir~Irr'rr~'r~I~r'rrlrlrill above, or go to Discover.com. Print your e- ail address to receive important Aceovnt information and ecial offers. 000001986458584D322 8DD3541500D30000D015D0 Discover More Card Acc unt Summary Closing Date: November 9, 2008 page 1 of 1 Account number ending in 6925 Previous Balance $375.12 Payment Due Date December 8, 2 08 Payments And Credits 70.00 Minimum Payment Dve $15.00 Purchases + 35.49 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $4,645.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 13.54 Cash Credit Available $2,500.00 New Balance $354.15 You moy be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 47.54 New Cashback Bonus This Period + 0.08 Redeemed This Period 40.00 Cashback Bonus® Since Anniversary Month Cashback Bonus Balance $ 7.62 January: $21.61 Keep building your rewards with every purchase. Start redeeming once you reach $20 Coshback Bonvs(R). How Can We Hel You? p 1. visit Discever.com to pay your bill for no cost, view ur latest Account information, earn and redeem rewardsoand mo It's your choice - 3 ways to h Ip 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 Manage For TDD (assistance for hearing impaired) s 3. Write us at Discover Card, PO Box 30943, e reverse side Salt Lake City, UT 84130 Transactions $0 Fraud L( bflity Guarantee Use your Discover Card with confidence. Trans. Po Dote Da Payments and Credih Nov 4 N 4 PAYMENT -THANK YOU ~ $ -30.00 Award and Rebate Credits Nov 2 N 2 REWARD REDEMPTION CREDIT -40.00 Merchandise/Retail Oct 13 Oc 13 OTHER WORLD COMPUTING WOODSTOCK IL 35.49 Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $399.78 0.07668% 27.99% V 27.99% $9.50 $0 Cash Advances $0 0.07668% 27.99% Y 27.99% $0 $0 previous billing period: 30 days Purchases $169.60 0.07942% 28.99% V 28.99% $4.04 none The rates that apply to your Account are cif r fixed (F) or they may vary (V) as noted above. VI~~,~F;,„~VtK $733.60 09 SDSN6A010003D25 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070- $22.00 ~ Enter Amount Enclosed Below Payment DDue DaDate -~ ~ ~--~ January 8, 2009 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. 1458 Learn more at discover.com/paperless. Address, e-mail or telephone changed Print hangs in space above, or go to Discovar.com. Print your o- ail address to receive important Account information and cial offers. PO BOX 71084 IIInr~~sisllnr~rlrrrrr~~I CHARLOTTE NC 28272-1D84 ~n~i~~u~u~~t~~n~~n~i~u~~~~~m~u~u~n~~u~n~n~~~n~~ 0000019864585840322~8007336000000000002200 Discover More Card Account number ending in 6925 Payment Due Date January 8, Minimum Payment Due $22.00 Credit limit $5,000,00 Credit Available $4,266,00 Cash Credit Limit $2,500.00 Cash Credit Available $2,500.00 Cashbock Bonuse Cashback Bonuses Since. Anniversary Montl January: $24.51 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Opening Cashback Bonus Balance $ 7.62 New Cashback Bonus This Period 5qo Cashback Bonus + 2,01 Everywhere Else + 0.89 Cashback Bonus Balance $ 10.52 How Can We Heln You? 1 • Visit Discovsr.com to pay your bill for no cost, view our P latest Account informotion, earn and redeem rewards and more ItrS your CIlo1C@ - 3 Ways t0 h Ip 2. Call 1-800.DISCOVER (347-2683) For Fast, easy selFservice Please have your Discover Card available, options or to speak with a Customer Service Account Manager For TDD (assistance for hearin im aired se reverse side 3. Write us at Discover Card, PO Box 30943, g P ) Salt Lake City, UT 84130 Transactions $0 Fraud Lia Trans. Post Date Dafr Payments and Credits Dec 6 Dec Merchandise/RstaR Nov 10 Noy Nov 18 Noy Dec b Dec Gasoline Nov 24 Noy Supsrmarkeh Nov 18 Noy Nov 26 Nov Summary Closing Date: December 9, 2008 page 1 of 2 Previous Balance $354.15 Payments And Credits 30.00 Purchases + 396.25 Cash Advances + 0.00 Balance Transfers + 0.00 Financs_Chargss + 13.20 _ New Balance = $733.60 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Guarantee Use your Discover Card with confidence. S INTERNET PAYMENT • THANK YOU $ -30.00 10 RITZCAMERA.COM 877-690.0099 CA 136.94 18 BEER AND SODA DEPOT ENOLA PA 19.60 5 AMAZON.COM AMZN.COM/BILLWA 158.85 OQUC7UGZTDB 24 SUNOCO LEMOYNE PA 40.67 18 WEIS MARKETS #125 CAMP HILL PA 17.09 26 WEIS MARKETS #125 CAMP HILL PA 23.10 u ~~L~a,V tK ; DtSC~VER Hccount number enaing m ov[a Get added security wit no paper trail ; ; ~ . Make your account information m e secure with 3 '{ password-protected statements that only you can access. ; 1 '' • Access up to 24 months of do nloadable, ', Sign up today at printable statements. ' DISCOVer.COm~pgperless is • See your statement as soon as is available R, rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail A,~ + . or text messages on your mobi a phone. - • Print a paper copy of your slat ment anytime. 02009 Discover Bank, Member FDIC Closing Date: December 9, 2008 page 2 of 2 Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Pe ri o dic Fae Daily ces N p ~ Periodic PERCENTAGE PERCENTAGE FICHARGE FINANCE Rates RATES RATES CHARGES current billing period: 30 days Purchases $573.56 0.076683'0 27.99% V 27.99% $13.20 $0 Cash Advances $0 0.07668% 27.99% V 27.999'0 $0 $0 The rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. QUOStlOnS~ Manage your acc unt at Discover.com or ,...n ~_anr,_ntcrnvcu n_ann_z,t~_ ~,a~t L~IJC.~V tK Payment Due Date ~ -~ February 8, 2009 Please make check payable to Discover Card or pay online ~ Discovercard.com. 09 SDSN6A01 0003026 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070- Address, a-mail or telephone change8 Print above, or go to Discover.com. Print your e-r receive important Account information and 0000019864585840322~8020422400000000004500 'Discover More Card Account number ending in 6925 Payment Due Data February 8, Minimum Payment Due $45.00 Credit Limit $5,000.00 Credit Available $2,957.00 Cash Credit limit $2,500.00 Cash Credit Available $2,500.00 $45.00 ~ Enier Amount Enclosed Below Go paperless and make your account information more secure wrath password- pprotected statements only you can access. 1458 Leam more at discover.com/paperless. PO BOX 71084 Illrrrllrrrllsrrlrlrn~rlll CHARLDTTE NC 28272-1084 :ge in space I~~I~IInIn~I~Ilnrlnl~In~IIIIu~InInI~~IIuInInI~InII address to ial offers. rat Summary Closing Date: January 9, 2009 page 1 of 3 Previous Balance $733.60 Payments And Credits 22,00 Purchases + 1,301.50 Cash Advances + 0.00 Balance Transfers + 0.00 Fin_ancs Char ss + 29.14 New Balance $2,042.24 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ccshback Bonus® ashback Bonus® Since Anniversary Month January: $32.50 Opening Cashback Bonus Balance $ 10.52 New Cashback Bonus This Period 59o Cashback Bonus + 2.46 Everywhere Else + 5.53 Cashback Bonus Balance $ 18.51 x/ How Can We Hel 1 o~J? N 1 • Visit Discovercom to pay your bill for no cost, view our latest Account information earn and redeem rewards and ItrS yOU~ ChO1Ce - 3 Ways t0 Ile , more P 2. Call 1-800.DISCOVER (347-2683) For fast eas self-service Please have your Discover Card available. , y options or to speak with a Customer Service Account Manager For TDD lassistance for hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud LFa ility Guarantee Use your Discover Card with confidence. Trans. Post Date. Da Payments and Credits Jan 7 Jan INTERNET PAYMENT -THANK YOU $ -22.00 Merchandise/RsMil Dec 21 Dec 21 AMZ*AMAZON PAYMENTS AMZN.COM/BILLWA 22,24 SABAA0007J0 Jan 7 Jan CANON ESTORE COSTA MESA CA 271 34 Jan 8 Jan . APL*MOBILEME WWW.ME.COM CA 99.00 04622960 Gasoline Dec 9 Dec 10 SUNOCO LEMOYNE PA 36.15 Automotive Dec 26 Dec 6 CALLEN KINBACK INC LEMOYNE PA 793.98. Supermarkets Dec 9 Dec 10 WETS MARKETS #125 CAMP HILL PA 9 92 Dec 21 Dec . 1 WEIS MARKETS #125 CAMP HILL PA 39.14 Warehouse dubs Dec 26 Dec 6 BJ'S WHOLESALE HARRISBURG PA 29.75 Valentine's Day is just around the corner. Fin the perfect gik online and earn extra rewards througph ShopDiscover. Earn 59'0 #n 9A9:. Gcht~n~4 RnnualR) of nvn~ inn ~,,., .. li..e .eMde.. libe 0.L.e Alila r...J ~.... .....J cTn ......, ..5......_.. I:.I, d..-..-L V ~~~~~ v CK ~~SC ,VAR Hccount numaer ending in ouzo Get added security wit no paper trail Make your account information m re secure with password-protected statements that only you can access. • Access up to 24 months of do nloadable, Sign up today at printable statements. ' ' D15COVeGCORl~paper~eSS • See your statement as soon as is available rather than wait for it to arrive in your mailbox. ~ • Get helpFul payment reminders through e-mail '.,~ ar' . ~~'~ or text messages on your mobi u a phone. ' ~w~ • Print a paper copy of your scat l1 ment anytime. c920o9 Discover Bank, Member FDIC Closing Date: January 9, 2009 page 2 of 3 Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee DaiBalanc Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1259.53 0.074639e 27.24% V 27.24% $29.14 $0 Cash Advances $0 0.07463% 27.249e V 27.249'e $0 $0 The rates that apply to your Account are eith r fixed (F) or they may vary (V)as noted above. Questions? Manage your acc nt at biscover.com or r,nll I.Rnn.nlC!'nvFR tl_Ann_z.t~_ ~a~l VISC.~~V tK ~ January 9, 2009 ( Account number ending in 6925 page 3 of 3 Cashback Bonus ~ Award Summary Cashback Bonus Anniversa D te: Januar 9 Balance Previous Cashback Bonus Awar Balance $ 10.52 Purchase Award This Period + 5.53 5% Cashback Bonus 2:46 Cashback Bonus Award Tota 18.51 Cashback Bonus Award Balanc ~ g,51 Award Available to Redeem $ 0.00 Resfrictions apply to the Cashback B< details. For program details, see the offers visit Discovsr.com or call 1-800-DISCOVER (1.800.347-2683) for onus ('rogram Terms and Conditions. V i'„E v ~~ 52,652.O p 69.00 I Enter Amount Enclosed Below 'i Payment Due Date March 8, 2009 please make check payable to Discover Card pay online ~ Discovercard.com. 09 SDSN6A010003027 ~ KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- Protected statements only you can access. NEW CUMBERLND PA 17D70 1458 Learn more at discoveccomlpaperless. PO BOX 71084 Illn~lln~llnrlrinn~lil CHARLOTTE NC 28272-1084 Address, e-mail or telephone changey Print hangs in space ' ~ II I I II I I I IIII I I I II 1 1 I I II above, or go to Diseover.com. Print your e- ~~ ~ ~~ ~~~ ~ ~~~ ~~ ~ ~~~ ~~~ ~~ ~~ ~~ ~~ 11 „ ~ I~ ail address to receive important Account information and ecial offers. 0000019864585840322 8026520000045000006900 Discover More Card Acc unt Summary Closing Dab: February 9, 2009 page 1 of 2 Account number ending in 6925 Previous Balance $2,042.24 Payment Due Date March 8, 20 Payments And Credits - 45.00 Minimum Payment Due $69.00 Purchases + 292.09 Credit Limit $5,000.00 Cash Advances + 300.00 Credit Available $2,348.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 62.67 Cash Credit Available $2,200.00 New Balance = $2,652.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 18.51 New Cashback Bonus This Period + 0.73 Cashback Bonus Balance $ 19.24 Cashback Bonus® Anniversary Month: January ~/ How Can We Hel 1 oU? p 1 • Visit Discowr.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and me It's your choice - 3 ways to h Ip 2. Call 1-800-DISCOVER (347.2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manage For TDD (assistance For hearing impaired) se 3. Write us at Discover Card, PO Box 30943, reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po Date Da Payments and Credits Feb 2 Feb 2 PAYMENT -THANK YOU $ -45.00 Merchandise/Retail Jan 9 Jan 10 OFFICEMAX, INC. 0746 CARLISLE PA 138.83 Feb 2 Feb 2 BEER ZOO HARRISBURG PA 20.03 Gasoline Jan 20 tan 20 SUNOCO LEMOYNE PA 33.91 Jan 21 Jan 21 SUNOCO LEMOYNE PA 11.81 Jan 22 Jan 22 SUNOCO LEMOYNE PA 30.69 Jan 30 Jan 30 SUNOCO LEMOYNE PA 26.14 Cash Advances Feb 5 Feb 5 CASH ADVANCE CHECK #0251 300.00 Feb 5 Feb 5 CASH ADVANCE TRANS FEE FINANCE CHARGE q,00 Supermarkets Jan 25 Jan 25 KARNS QUALITY FOOD SNQ LEMOYNE PA 13.39 Feb 1 Feb 1 WEIS MARKETS #125 CAMP HILL PA 17,49 finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2270.25 0.07463% 27.249'o V 27.24% $52.52 $0 Cash Advances $49.91 0.07463% 27.24% V 40.59% $1.15 $9.00 The rates that apply to your Account are eith r fixed (F) or they may vary (V) as noted above. Income Gap Protection gives you cash when you need it most -when your income is interrupted by involuntary iinwmr~Invmanr rli.e~Fiilihv nr Fnmily lartva nF ennrA I nnrn i~~w i11!'!1T/1 r,nn Prnriar#inn inn i+eln ~in~i r'nll iie Inrln~i of VIJ`.V CK February 9, 2009 ~ Account number ending in 8925 page 2 of 2 Cashback Bonus ~ Award Summary Cashback Bonus Anniversa D te: Janua 9 Balance Previous Cashback Bonus Awa d Balance $ ~ 8,51 Purchase Award This Period + 0.73 Cas bac Bonus Awar Tota to ~~ Cashback Bonus Award Balanc 19.24 Award Available to Redeem $ 0.00 Restrictions apply to the Cashback Bonus Pa ner offers visit Discowr.com or call 1-800-DISCOVER (1-800.347-2683? for details. For program details, ses the Cashba k Bonus ('ro8ram Terms and Conditions. Uta(,, +~ ~~( S2,634.0 09 SDSN6A01 0003028 KEEPER, RICHARD G 1718 LOCUST ST NEW CUMBERLND PA 17070 1458 I $71.00 ~ Enter Amount Enclosed Below Payment Due Date April 8, 2009 Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at dlscover.com/paperless. PO BOX 71084 Illnrlhnlluslrlu~ulll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print c above, or go to Discover.com. Print your e- ange in space l~~l~ll~~l~i~l~lli~~l~~1~1~~~111111111111111111111111111111111 it address to receive important Account information ands ecial offers. OODD019864585840322 802634010000000D007100 Discover More Card acco nt Summary Closing Date: March 9, 2009 page 1 of 2 Account number ending in 6925 Previous Balance $2,652.00 Payment Due Date April 8, 2009 Payments And Credits 100,00 Minimum Payment Due $71.00 Purchases + 26.02 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $2,365.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charles + 55.99 Cash Credit Available $2,200.00 New Balance $2,634.01 You may be able to avoid Periodic Finance Charges, see the I reverse side For details. Cashback BonuS® Opening Cashback Bonus Balance $ 19.24 New Cashback Bonus This Period + 0.06 Cashback Bonus Balance $ 19.30 .Cashback Bonus® Anniversary Month: January How Can We Hel YOU? P 1 • Visit Discover.com to pay your bdl for no cost, view your l atest Account information, earn and redeem rewards and me It's youlr choice - 3 ways to he p 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 Manage For TDD (assistance for hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Lia Ilfty Guarantee Use your Discover Card with confidence. Trans. Pos Date Da Payments and Crodits Mar 3 Ma 3 INTERNET PAYMENT -THANK YOU $ -100.00 Gasoline Feb 1 1 Feb 1 1 SUNOCO LEMOYNE PA 26.02 Information For You * *ATTENTION* * The day of the month that our payment is due will be changing. Your new Payment Due Date will be printed at the top of the remittance coupon o the statement you receive For your billing period that ends after May 1, 2009. Your Payment Due Date will continue to be a least 25 days from the Closing Data shown on the billing statement. Finance Charge Summary Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Ba antes Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $2365.89 0.074639e 27.24~v V 27.249'0 $49.44 $0 Cash Advances $313.29 0.07463°'0 27.2490 V 27.249'0 $6.55 $0 The rates that apply to your Account are eithe fixed (F) or they may vary N) as noted above. i V~"tom V t K I March 9, 2009 I Account number ending in 6925 page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversa D te: Janua 9 Balance Previous Cashback Bonus Awa Balance $ 19.24 Purchase Award This Period + 0.06 Cas bac Bonus Awar Total , o ~n Cashback Bonus Award Balc Award Available to Redeem Restrictions apply to thQ Cashback B~ details. For program details, see the 19.30 $ 0.00 offers visit Discover.com or call 1-800-DISCOVER (1.800.347-2683) for onus program Terms and Conditions. U iIJC:~~ V ~K $2,777.61 $76.00 ~ Enter Amount Enclosed Below Payment Due Date May 8, 2009 Please make check payable to Discover Card pay online ~ Discovercard.com. 09 SDSN6A010003029 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.com/paperless. _ PO BOX 71084 IIIr~~IIr~JI~r~IJ~~~~rlll .CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print c ange in space ~~~I~II~~I~~~I~Ili~~l~~~~l~i llll I I I I' I I ~ I II above, or go to Discover.com. Print your e-m ~ ~„ ~~ ~~ ~~ 11 '~ „ ' 11 it address to receive important Account information ands steal offers. OODD019864585840322 8027776100100000007600 Discover More Card Acco nt Summary Closing Date: April 9, 2009 page 1 of 2 Account number ending in 6925 Previous Balance $2,634.01 Payment Due Date May 8, 2009 Payments And Credits - 100.00 Minimum Payment Due $76.00 Purchases + 182.74 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $2,222.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Chorgss + 60.86 Cash Credit Available $2,200.00 New Balance - $2,777,-b j You may be able fo avoid Periodic Finance Charges, sae the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 19.30 New Cashback Bonvs This Period + 0.45 Cashback Bonus Balance $ 19.75 Cashback Bonus® Anniversary Month: January How Can We Hel You? I~ 1 • Visit Discover.com to pay your bill For no cost, view our latest Account information, earn and redeem rewards and me It's your choice - 3 ways to he p 2. Call 1-800-DISCOVER (347-2683) for Fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manage For TDD assistance For hearin im ved se ( 9 f~ I reverse side 3. Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions $0 Fraud Lia ility Guarantee Use your Discover Card with confidence. Trans. Post Dots Da Payments and Crodits Mar 25 Mar 25 PAYMENT -THANK YOU $ -100.00 Merchandise/Retail Apr 5 Apr 5 REDLAND BEER & SODA OUTL ETTERS PA 17,38 Automotive Apr 7 Apr L.B. SMITH FORD LEMOYNE PA 165.36 Information For You * *ATTENTION* * The day of the month that our payment is due will be changing. Your new Payment Due Date will be printed at the top of the remiNance coupon o the statement you receive for,your billing period that ends alter May l , 2009. Your Payment Due Date will continue to be a least 25 days from the Closing Date shown on the billing statement. Finance Charge Summary Average Nominal Transaction Daily ANNUAL ANNUAL periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2310.36 0.07463% 27.24% V 27.240 $53.45 $0 Cash Advances $320.27 0.07463% 27.243'° V 27.24% $7.41 $0 The rates that apply to your Account are eith fixed (F) or they may vary (V) as noted above. VIJC.~fV tK April 9, 2009 I Account number ending in 6925 page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversa D te: ,lanua 9 Balance Previous Cashback Bonus Awar Balance $ 19.30 Purchase Award This Period + 0.45 s Cashback Bonus Award Balance Award Available to Redeem Restrictions apply to thg Cashback B. details. for program details, see the 19.75 $ 0.00 offers visit piscovsr.com or call 1.800-DISCOVER (1.800-347-2683) for onus grogram Terms and Conditions. V~~~ '~ ~~( $2,829.06 ~ $79.00 ~ Enter Amount Enclosed Below Payment Due Date June 4, 2009 please make check payable to Discover Card or pay online ~ Discovercard.com. 09 SDSN6A01 0003030 ! KEEPER, RICHARD G ' 1718 LOCUST ST NEW CUMBERLND PA 170701458 Go paperless and make your account information more secure wdh password- protected statements only you can access. Learn more at discover.coMpaperless. PD Box 71084 IIIr~~IIrrJI~~JJ~r~rrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print c above, or go to Discover.com. Print your e- ange in space I~ililliili~ilill~~il~ililiiilllli~~liiliil~illi~liil~ililiill ail address to receive important Account information ands ecial offers. DOOOD19864585840322 8028290600000000007900 Discover-More Card Acco nt Summary !,I Closing Date: May 9, 2009 page 1 of 2 Account number ending in 6925 I Previous Balance $2,777.61 Payment Due Date June 4, 2009 'i Payments And Credits - 76.00 Minimum Payment Due $79.00 I Purchases + 64.44 Credit Limit $5,000.00 ', Cash Advances + 0.00 Credit Available $2,170.00 I Balance Transfers + 0.00 Cash Credit Limit $2,500.00 ', Finance Chargsa + 63.01 Cash Credit Available $2,170.00 ', New Balance $2,829.06 ', You may be able to avoid Periodic Finance Charges, see the I~ reverse side for details. _ Cashback Bonus® ~ Opening Cashback Bonus Balance $ 19.75 New Cashback Bonus This Period + 0.15 ~~, Cashback Bonus Balance $ 19.90 Cashback Bonus® Anniversary ~', Month: January How Can We Hel YOU? P 1 • Visit Discover.com to pay your bill for no cost, view our latest Account information earn and redeem rewards and me It's your choice - 3 ways to he , p 2. Call 1-800-DISCOVER (347-2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $O Fraud Lla ilfy Guarantee Use your Discover Card with confidence. Trans. Post Date Da Payments and Credits May 7 Ma 7 INTERNET PAYMENT -THANK YOU $ -76.00 Merchandise/Retar May 4 Ma 4 BEER AND SODA DEPOT ENOLA PA 19.60 Gasoline May 5 Ma 5 RUTTER'S FARM # 27 HARRISBURG PA 20.03 Warohousa Clubs May 2 Ma 2 BJ'S WHOLESALE HARRISBURG PA 24.81 Finance Charge Summary Average Dail Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee P i di PERCENTAGE PER y Balances er o c CENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2486.53 0.07463% 27.24% V 27.24% $55.67 $0 Cash Advances $327.64 0.07463% 27.249'° V 27.249'0 $7.34 $0 The rates that apply to your Account are eithe fixed (F) or they may vary (V) as noted above. VIJC.V tK May 9, 2009 I Account number ending in 6925 page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversa D te: Janua 9 Balance Previous Cashback Bonus Awar Balance $ 19.75 Purchase Award This Period + 0.15 Cas bac Bonus Awar Tota t o on Cashback Bonus Award Balc Award Available to Redeem Restrictions apply to th Cashback B. details. For program details, see the 19.90 $ 19.90 offers visit Discowr.com or call 1-800-DISCOVER (1-800.347-2683) For onus ('rogram Terms and Conditions. ~~.7L~<~~V tK $2,916.94 I $88.00 Enter Amount Enclosed Below Payment Due Date July 4, 2009 Please make check payable To Discover Card pay online ~ Discovercard.com. 09 SDSN6A01 0003031 KEEFER, RICHARD G Gopaperlessandmakeyouraccount 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070- 458 Learn more at discover.comlpaperless. PO BOX 71084 Illrrrllr~rll~~~lrlrrsrrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print c ange in space I~~I~~I~il~~ilill~iiliililiiill~~ri~l~~li~~i l~ l l l l ~l above, or go to Discover.com. Print your e-m i ii ~i ~~ ~ ii it address to receive important Account information ands ecial offers. ^000019864585840322 8029169400100000008800 Discover More Card Acco nt Summary Closing Dats: June 9, 2009 page 1 of 2 Account number ending in 6925 Previous Balance $2,829.06 Payment Due Date July 4, 2009 Payments And Credits 100.00 Minimum Payment Due $88.00 Purchases + 114.10 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $2,083.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Finance Charges + 73.78 Cash Credit Available $2,083.00 New Balance $2,916.94 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 19.90 New Cashback Bonus This Period + 0.18 Cashback Bonus Balance $ 20.08 Cashback Bonus® Anniversary Month: January How Can We Hel 1 O~J'7 p 1 • Visit Discowr.com to pay your bbl for no cost, view your l A f d atest ccount in ormation, earn an redeem rewards and me It's your choice - 3 ways to he p 2. Call 1-800-DISCOVER (347.2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) se 3. Write us at Discover Card, PO Box 30943, reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Lie ility Guarantee Use your Discover Card with confidence. Trans. Post Daro Da Payments and Crodits Jun 8 Jun PAYMENT -THANK YOU $ -100.00 Merchandise/RsMi Jun 2 Jun REDLAND BEER & SODA OUTL ETTERS PA 17.38 Rsataurants May 30 Ma 30 PAPA JOHNS #0795.COM LEMOYNE PA 19.95 Other/Miscellaneous Jun 5 Jun LATE FEE 39.00 Gasoline May 14 Ma 14 0374 SHEETZ HARRISBURG PA 13,71 May 15 Ma 15 0374 SHEETZ HARRISBURG PA 13.71. May 30 Ma 30 SUNOCO LEMOYNE PA 10.35 Finance Charge Summary Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINp~CE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2561.16 0.082169'0 29.9990 V 29.99% $65.23 $0 Cash Advances $335.57 0.08216% 29.99% V 29.999'0 $8.55 $0 The rates that apply to your Account are eith r Fixed IFI or they may vary lVl as noted above. UISC,VtK June 9, 2009 I Account number ending in 6925 page 2 of 2 Cashback Bonus ~ Award Summary Cashback Bonus Anniversa D te: Janua 9 Balance Previous Cashback Bonus Awar Balance $ 19.90 Purchase Award This Period + 0.18 Cas ac Bonus Awar Tota ~n nA Cashback Bonus Award Balanc 20.08 Award Available to Redeem $ 20.08 Restrictions apply to the Cgshback Bonus Pa ner offers visit Discowr.eom or call 1-800-DISCOVER i1.800.347.2683i for details. For program details, see the Cashb cn Bonus ('rogram Terms and Conditions. U ~I~C;~ V tlt $3,623.7 $190.00 I Enter Amount Enclosed Below J ~I Payment Dua Date August 4, 2009 please make check payable to Discover Card. Minimum pa ment due includes a past due amount of $88.00. 09 SDSN6A01 OOD3032 i KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more securewnth password- protected statements only you can access. NEW CUMBERLND PA 17070- 1458 Learn more at discover.com/paperless. Po BOX 71084 IllrrrlL~~ILrJrlrrr~rlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print c above, or go to Discover.com. Print your e-m ange in space I~~I~Il~il~~~l~l~~~~l~ilili~illllii~~iiliil~illiili~lii~il~~ll it address to receive important Account information ands ecial offers. 0000019864585840322 8036237300000000019000 Discover More Card Acco nt Summary Closing Date: July 9, 2009 page 1 of 2 Account number ending in 6925 Previous Balance $2,916.94 Payment Due Date August 4, 2009 Payments And Credits O,pO Minimum Payment Due $190.00 Purchases + 620.70 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $1,376.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Cha_rBes + 86.09 Cash Credit Available $1,376.00 _ _ New Balance _ $3,623.73 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CCShbCCIC BonuS° Opening Cashback Bonus Balance $ 20.08 New Cashback Bonus This Period + 1.115 Cashback Bonus Balance $ 21.53 Cashback Bonus® Anniversary Month: January How Can We Hel You? p 1 • Visit Discaver.com to pay your 6RI for no cost, view your l atest Account information, earn and redeem rewards and me It's your choice - 3 ways to he p 2. Call 1-800.DISCOVER (347-2683) for fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manage for TDD (assistance For hearing impaired) sa reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Lid illty Guarantee Use your Discover Card with conFldence. Trans. Post Dab Da Merchandise/Retail Jun 11 Jun 1 WESTY BEER DIST INC CAMP HILL PA $ 20.66 C+Iher/Miaellansous ,Jul 5 Jul LATE FEE 39.00 Gasoline Jun 14 Jun 4 SUNOCO LEMOYNE PA 30.46 Jun 15 Jun 5 0374 SHEETZ HARRISBURG PA 3.58 Jun 15 Jun 5 SUNOCO LEMOYNE PA 10.35 Jun 16 Jun 6 SUNOCO LEMOYNE PA 12.35 tun 16 Jun 6 RUTTER'S FARM # 27 HARRISBURG PA 2.43 Jun 16 Jun 6 SUNOCO LEMOYNE PA 5.18 Jun 17 Jun 7 SUNOCO LEMOYNE PA 10.35 Jun 18 Jun 8 0374 SHEETZ HARRISBURG PA 3.58 Automotive Jun 12 Jun 2 L.B. SMITH FORD LEMOYNE PA 482.76 Information For You * * * ATTENTION * * * Your account is past ve. Please pay the past dve amount now, or contact us to make other arrangements. This month, the featured Cashback Bonus(R) edemption Partner is Bed Bath 8~ Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card. Vl J~.V CK ~ DISCVER` ~ Account number ending in 6925 Get added security wit no paper trail ~~ Make your account information m re secure with ' password•protected statements tha only you can access. l • Access up to 24 months of do nloadable, Sign up today at printable statements. Discover.com/paperless ~ • See your statement as soon as it's available '' ~ ` rather than wait for it to arrive in your mailbox. • Get helpful payment reminder through a-mail i ` ` or text messages on your mobi le phone. ~---M~~~~. ~ ; p" • Print a paper copy of your sta ment anytime. c~zooc Discover Bank, Idembar FDIC Closing Date: duly 9, 2009 page 2 of 2 Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3148.85 0.082163'0 29.999e V 29.999'e $77.61 $0 Cash Advances $344.08 0.082169'• 29.999e V 29.999'• $8.48 $0 The rates fhat apply to your Account are eit ar fixed ~F) or they may vary IV) as noted above. QUeStlOnS? Manage your acc unt at Discover.com or r,nll t.ann.ntcrnvice tl_>ann_~.t~ ~~a~t VISC.~` ~V ~K ~„ 53,/56.19 5299.00 I Enter Amount Enclosed Below ~ Payment Due Date September 4, 2009 please make check payable to Discover Card. Minimumpayment due includes a past due amount of $190.00. 09 SDSN6A01 0003033 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure with password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discover.comlpaperless. Illnrllrullrrrlrlnrulll PO BOX 71084 CHARLOTTE NC 28272-1084 Address, a-mail or telephone changeZ Print c ange in space liili~li~liii~illii~l~ilil~~~ll~l l l l ll ~ l l l ~l above, or go to Discover.com. Print your a-m iii ~i i~ i~ ~i ii ii i ii it address to receive important Account information and s ecial offers. 0000019864585840322 8037561800000000029900 Discover More Card Acco nt Summary Closing Date: August 9, 2009 page 1 of 1 Account number ending in 6925 Previous Balance $3,623.73 Payment Due Date September 4, 2 09 Payments And Credits _ 0,00 Minimum Payment Due $299.00 Purchases + 39.00 Credit limit $5,000.00 .Cash Advances + 0.00 Credit Available $1,243.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance_Char ems + 93.45 Cash Credit Available $1,243.00 _ New Balance = $3,756.18 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CCSI16C1CIC BOIIUS® Opening Cashback Bonus Balance $ 21.53 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 21.53 Cashback Bonus® Anniversary Month: January How Can We Hef You? P 1 • Visit Discover.com to pay your bill For no east, view your l atest Account information, earn and redeem rewards and me It's your choice - 3 ways to he p 2. Call 1-800.DISCOVER (347-2883) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manage For TDD (assistance For hearing impaired) se 3. Write us at Discover Card, PO Box 30943, reverse side Salt Lake City, UT 84130 Transactions $0 Proud Lfa illy Guarantee Use your Discover Card with confidence. Trans. Poet Date Da Ctther/Mittsllaneous Aug 5 Aug 5 LATE FEE $ 39,00 Information For -You * * * ATTENTION * * * We previously reque ted the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. You're just a click away from online assistan e. Visit our secure Web site, 24 hours a day, at hops://www.CardmemberAssistance.com. I you would like to speak with one of our knowledgeable Customer Service Representatives, please call us at 1.800-347- 683. Finance Charge Summary Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily - Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3315.94 0.08216% 29.99°Y° V 29.99% $84.46 $0 Cash Advances $352.81 0.08216`3'° 29.999° V 29.999'° $8.99 $0 the races that apply to your Account are eith fixed (F) or they may vary N) as noted above. V~ J~r"° • CK $3,892. I $411.00 I Enter Amount Enclosed Below 0 Payment Due Date Ocrober 4, 2009 please make check payable to Discover Card. Minimumpa ment due includes a past due 99 $ 0 amount of 2 . 0. 09 SDSN6A01 0003034 KEEPER, RICHARD G Go paperless and make your account 1718 LOCUST ST information more secure wdh password- protected statements only you can access. NEW CUMBERLND PA 17070 1458 Learn more at discoveccorn/paperless. PO BOX 71084 Ill,~rll~~~llr„I~I~r,rrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print hangs in space ~~~I~I'~~'~~~I~II~~~I~~I~I~~~I~II~~~I~~I~~I II ' I I I I' above, or go to Discover.com. Print your e- ~~ ~~ ~~ ~~ ~ ~~ ail address to receive important Account information and pecial offers. 0000019864585840322 8038920300000000041100 Discover More Card Acc unt Summary Closing Date: September 9, 2009 page 1 of 1 Account number ending in 6925 Previous Balance $3,756.18 Payment Due Dats October 4, 2 9 Payments And Credits p,00 Minimum Payment Due $41 1.00 Purchases + 39.00 Credit Limit $5,000,00 Cash Advances + 0.00 Credit Available $1,107.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Chars + 96.85 Cash Credit Available $1,107.00 New Balance $3,892.03 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 21.53 New Cashback Bonus This Period + 0.00 Redeemed This Period 21.53 Cashback Bonus® Anniversary.. Cashback Bonus Balance $ 0.00 Month: January How Can We Hel YOU? P 1 • Visit Discowr.com ro pay your bill, for no cost, view our latest Account information, earn and redeem rewards and me It's your choice ' 3 Ways t0 h Ip 2. Call 1-800-DISCOVER (347.2683) For fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) s 3. Write us at Discover Card, PO Box 30943, e reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Li bflfty Guarantee Use your Discover Card with confidence. Trans. Po Dab Da Olher/Miscsllansous Sep 5 Se 5 LATE FEE $ 39.00 Information For You * * * ATTENTION * * * Your account is sari usly past due. Payment of the amount due and arrangements For Future payments should be made immediately. You're. just a click away. From online assistp ce. Visit our secure Web site, 24 hours,a day, at hops://www.CardmemberAssistance.com. If you would like to speak with one of our knowledgeable Customer Service Representatives, please call us at 1-800.34 -2683. Finance Charge Summa Average Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3440.93 0.082169'° 29.99% V 29.99% $87.63 $0 Cash Advances $361.91 0.08216% 29.9996 V 29.999'° $9.22 $0 The rates that apply to your Account are sit er fixed (F) or they may vary (V) as noted above. ~~ ~~~ ~K $4,028.11 I $524.00 I Enter Amount Enclosed Below Payment Due Date $ ~-~ November 4, 2009 please make check payable to Discover Card. Minimum payment due includes a past due amount of $411.00. 09 SDSN6A01 0003035 Go paperless and make your account KEEPER, RICHARD G information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070- 458 Learn more at discover.com/paperless. PD BOX 71084 ~~~"'~~"'~~"'~'~""'I~~ CHARLOTTE NC 28272-1084 address, e-mail or telephone change$ Print a ange in space I~~I~Ili~li~~l~~l~~~'~~~~~ii~~~~~i~~~~i~i~~~i~~ii~~r~~i~i~ii~~ ibove, or go to Discover.com. Print your e-m it address to statue important Account information ands ecial offers. 0000019864585840322 8040281100000000052400 Discover More Card Acco nt Summary Closing Date: October 9, 2009 page 1 of 1 account number ending in 6925 Previous Balance $3,892.03 'ayment Due Date. November 4, 2 9 Payments And Credits 0.00 Minimum Payment Due $524.00 Purchases + 39.00 ~redit Limit $5,000.00 Cash Advances + 0.00 =redit Available $971.00 Balanee Transfers + 0.00 ash Credit Limit $2,500.00 Financs_Charges_ + 97.08 mash Credit Available $971.00 New Balance = $4,028.11 You may be able to avoid Periodic finance Chargss, see the reverse side For details. ' Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus~_Anniversary . Month: January How Can We Help You? 1. visit Diuover.com ro pay your bill for no coct, view ur latest Account information, earn and redeem reward and mot It's your choice - 3 ways to h Ip 2• Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manage Please hove our Discover Card available. Y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) s e reverse side SaIT Lake City, UT 84130 Transactions $0 Fraud Li biliry Guarantee Use your Discover Card with confidence. Trans. Po t DoM Da Other/Miscsllansous Oct 5 O 5 LATE FEE $ 39.00 Information For You * * * ATTENTION * * * Your account is sari usly past due. Payment of the amount due and arrangements for future payments should be made immediately. You're just a click away from online assists ce. Visit our secure Web site, 24 hours a day, at https://www.CardmemberAssistance.com. ff you would like to speak with one of our knowledgeable Customer Service Representatives, please call us at 1-800.34 -2683. Finance Charge Summa Nominal Transaction Average Daily ANNUAL ANNUAL Periodic foe Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3567.67 0.08216% 29.999'o V 29.99% $87.93 $0 Cash Advances $371.09 0.08216% 29.99% V 29.99% $9.15 $0 The rates that apply to your Account are ei er Fixed (F) or they may vary (V) as noted above. Uh ~~V tK $4,170.98 Enter Amount Enclosed Below $643.00 I _ Payment Due Date- December 4, 2009 please make check payable to Discover Card. Minimumpayment due includes a past due f $524 00 t . amoun o . . 09 SDSN6A010003036 KEEPER, RICHARD G Go paperless and make your account Information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070- 1458 Learn more atdiscover.com/paperless. PO BOX 71084 ~~~ur~~m~~nrlr~unr~~l CHARLOTTE NC 28272-1084 address, e-mail or telephone changed Print c ange in space I~~~~I~~~~~~~~~~I~~~I~~~~~~~~~'~~~~~~~~~~~~~~~I~~~~~~~~~~~~~I~ above, or go to Discover.com: Print your e- ail address to statue important Account information ands ecial offers. 0000019864585840322 80417098000D0000064300 Discover More Card Acc nt Summary Closing Date: November 9, 2009 page 1 of 1 Account number ending in 6925 Previous Balonce $4,028.1 1 ?ayment Due Date December 4, 2 09 Payments And Credits - 0.00 Minimum Payment Due $643.00 Purchases + 39.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balonce Transfers + 0.00 Cash Credit limit $2,500.00 Financs Charles _ + __ 103.87 Cash Credit Available $0.00 New Balance = $4,170.98 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus~.Anniversary.. Month: January How Can We Hel You? 1 • Visit Discovsr.com to pay your bJI for no cost, view our s p latest Account information, earn and redeem reward and mo It's your choice ' ~ WgyS t0 h Ip 2. Call 1-800-DISCOVER (347.2683) for Fast, easy self-service options or to speak with a Customer Service Account Manage Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance far hearing impaired) s e reverse side Salt Lake City, UT 84130 Transactions $0 fraud Li bility Guarantee Use your Discover Card with confidence. Trans. Po t Dats Da CMhsr/Miacsllaneous Nov 5 N v 5 LATE FEE $ 39.00 Information For You * * * ATTENTION * * * Your account is sari usly past due. Payment of the amount due and arrangements for future payments should be made immediately. You're (ust a click away from online assists ce. Visit our secure Web site, 24 hours a day, at https://wwnv.CardmemberAssistance.com. If you would like to speak with one of our knowledgeable Customer Service Representatives, please call us at 1-800.34 -2683. Finance Charge Summa Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a c Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3697.64 0.082169'° 29.999'° V 29.99°k $94.18 $0 Cash Advances $380.51 0.08216% 29.999'° V 29.99% $9.69 $0 The rates that apply to your Account are sit er fixed (F) or they may vary (V) as noted above. Discover(R) gift cards make easy holiday gi s. Now save $2 on the purchase Fee of each giFt card -plus gef FREE shipping. Pnrennnii>n nik rnrrta uiiih nnmee nn.~ more .+ee AA..mi I+n.~n mnl~6inn r.ru.linn ....rrl~l C.,..e it.rnnnt. 19 Z 1 /r10 -- °..Inr u~ ~LV tK 54,314.02 15763.00 Enter Amount Enclosed Below Payment Due Date January 4, 2010 Please make check payable to Discover Card. Minimumpaymeat due includes a past due f $643 00 t o . . amoun D9 SDSN6A010003037 RICHARD G KEEPER Gopaperlessandmakeyouraccount , information more secure with password- 1718 LOCUST ST protected statements only you can access. NEW CUMBERLND PA 17070- 1458 Learn more at discover.comfpaperless. PO BOX 71084 III"'llrr'~~'„~'I""'III CHARLOTTE NC 28272-1084 address, a-mail or telephone change$ Print c ange in space ~~~~~~I~~~~~~~i(~~~~I~~~ilr~~ll~~i~i~i~~ii~~il~ir~i~~~i~il~il~ above, or go to Discovsr.com. Print your e-m it address to eceive important Account information ands ecial offers. OOD0019864585840322 8043140200000000076300 Discover More Card Acco nt Summary Closing Date: December 9, 2009 page 1 of 1 Account number ending in 6925 Previous Balance $4,170.98 'ayment Due Date January 4, 201 Payments And Credits - 0.00 Minimum Payment Due $763.00 Purchases + 39.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 104.04 Cash Credit Available $0.00 New Balance _ $4,314.02 You may be able to avoid Periodic Finance Charges, see the reverse side For details. CashbGCk Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: January 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 mot It's your choice ' 3 Ways t0 h Ip 2• Call 1-800.DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manage Please hove your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) s e reverse side Salt Lake City, UT 84130 Transactions So Frat,d Li bility Guarantee Use your Discover Card with confidence. Trans. Po Daro Da CMher/Miscellaneous Dec 5 De 5 LATE FEE $ 39.00 Information For-You * * * ATTENTION * * * Your account is sari usly past due. Payment of the amount due and arrangements For future payments should be made immediately. You're just a click away kom online assists ce. Visit our secure Web site, 24 hours a day, at hops://www.CardmemberAssistance.com. If you would like to speak with one of our knowledgeable Customer Service Representatives, please call us at 1-800.34 -2683. .Finance Charge Summa Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3830.89 0.08216% 29.99% V 29.99% $94.42 $0 Cash Advances $390.16 0.082169'0 29.999'o V 29.99% $9.62 $0 The rates that apply to your Account are eit er Fixed (F) or they may vary (V) as noted above. Discover(R) gik cards make easy holiday gi l R l F t s. Now save $2 on the purchase fee of each gift card -plus get FREE shipping. ti /' 9 l ~ h h /f Perennn i>s ni ,-nrt e wif i nnmoc nnr mac nne Mnnv nvw mnfn el Snvw f _ nnlar +inn nrnnlinn nnr rmir, 19 il ) CERTIFICATE OF SERVICE I, James C W served on Defendant by 2010, addressed as follows: hereby certify that a true and correct copy of the Amended Complaint was .~ U. S. Mail, postage prepaid, this ~ day of ~~ , MICHAEL PYKOSH, ESQUIRE DETHLEFS-PYKOSH LAW GROUP, LLC 2132 MARKET STREET CAMP HILL, PA 17011 C") ^' 1N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,~~ ~~ PENNSYLVANIA ~,., ~ , : ~~ ; -_,} _r, ~ - .- CIVIL DIVISION ~ ` ~ ~ '"~ ,, ~ _ ~. '_ S, -., DISCOVER BANK ~ ~ ~. =~Cryc .. Plaintiff No.10-2803-CV - vs. PRAECIPE FOR SUBSTITUTION OF VERIFICATION TO AMENDED COMPLAINT RICHARD G. KEEFER Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire PA I.D. #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR#08178570 Jul. 16. 2010 12.24PM VERIFICATION No, 7301 P, 2/2 The undersigned does hereby verify subject tot nalties of 18 PA.C,S, X4904 rslating to un worn falsifications to authorities, that he/she is ~~..,~,, (Name) c~~~~~~P~ ,plaintiff herein, that (Title} (Company) helshe is duty authorized to make this Verification, and that the facts $et forth in the foregoing Amended Complaint are true and correct to the best of hislher knowledge, information and belief. (Signature) Wwr# 08178570 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. RICHARD G. KEEFER Defendant Civil Action No. 10-2803-CV PRAECIPE FOR SUBSTITUTION OF VERIFICATION TO THE PROTHONOTARY: At the request of the undersigned attorney for the plaintiff, you are directed to substitute the verification in the Plaintiff s Amended Complaint in the above captioned matter. By: WELTMAN, WEINBERG & REIS CO., L.P.A. James C. armbrodt, Esquire PA I.D. 4 524 WELT A , WEINBERG & REIS CO., .P.A 1400 op ers Building 436 eve th Avenue Pitt ur h, PA 15219 (4 ) 34-7955 CERTIFICATE OF SERVICE The undersigned certifies that a true and correct co,~y of the within Praecipe for Substitution of Verification to Amended Complaint was mailed on the ~ ' / day of ( , 2010 by United States first class mail, rostage pre-paid, addressed as follows. ~"'- MICHAEL PYKOSH, ESQUIRE DETHLEFS-PYKOSH LAW GROUP, LLC 2132 MARKET ST CAMP HILL, PA 17011 Weltman, Weinberg & Reis Co., L.P.A. tli' ~4er ~ ~,~ ~ ~'l)t~'G 61~5~ + ^ ~~ 7{~' - 1~Lr` ~'dV '' ~ r 't .3 ._ . !'~ t R a IN THE COURrh OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. RICHARD G KEEFER Defendant(s) No. 10-2803 CIVIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Lyndsay E Rowland, Esquire PA I.D. #205520 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#8178570 SGB IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CNIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No. 10-2803 C1VIL TERM RICHARD G KEEFER Defendant(s) PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE TO THE PROTHONOTARY OF Cumberland COUNTY: SIR: Kindly settle, discontinue and end without prejudice to refile the above-captioned matter upon the records of the Court and mark the costs paid. r'_' f WELTI~AN, WEINBE~ &REIS (~., L.P.A. k Hy: ; ~ ,~ Lyndsay E wland, squu-e PA LD. #2055 0 WELTMAN, EINBERG &REIS CO., L.P.A. 1400 Koppe uilding 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 SWORN TO AND/SUBSCRIBED before me this /G' day of l '~ , 2010 TARY PUBLIC COMMONWEALTH OF PENNSYLVANIA Notarial Seal Sheila G. Bevan, Notary Public Rass Twp., Allegheny County My Commission Expires Nov. 15, 2010 Member, Pennsvlvanla Association of Notaries