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HomeMy WebLinkAbout10-3077THE PRO F? +^ A€?Y 2010 MAY I I AM 10: Ui CUM6Whi%1?4D 30UWy IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. EV.A G DEBRAGANZA Defendant No : l'O - 3 0'Y7 C;V-i, term COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08253751 C A Pit KMJ O 4qa. oo pb A7W Ot- a y 18 4a IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No EV.A G DEBRAGANZA 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: EVA G DEBRAGANZA 407 SCOTT DR SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX0569 . 4. Defendant made use of said credit card and has a current balance due of $11811.07 , as of March 12, 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 entit=led to the addition of interest at the rate of 29.990. per annum on the unpaid balance from March 12, 2010 . A copy of Plaintiff's Statement is attached hereto, marked as Exhibit 11111 and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 . 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for Judgment in its favor and against Defendant , EITA G DEBRAGANZA individually , in the amount of $11811.07 with interest at the rate of 29.9900i5 per annum from March 12, 2010 plus attorneys' fees of $125.00 , and costs. James 436 Pit (41 0 Warmbrocit, 42524 WEINBERG & REIS CO., L.P.A. nth Avenue, Suite 1400 gh, PA 15219 4-7955 2-338-7130 1 C A Pit KMJ This law firm is a debt collector att m ing to collect this debt for our client and any information obtai e will be used for that purpose. Payment Due Date h DISCOV ER Minimum Payment Due Account Number ending in 0569 23, 2010 Marc $2,269.00 Enter Amount Enclosed Behave New Balance $ I $0.00 28 SDSWoA010003580 EUA DEBRAGANZA A N Go paperless and make your accorit 407 SCOTT DR information more secure with password- protected statements only you can access. SHIPPENSBURG PA '.17257-2166 Learn more at discovetcarnl PO BOX 6103 111111 111 so IIIIIII0IIIIIIII CAROL STREAM IL 60197-6103 Address, e-mail or telephone change$ Go to www.Discover.com or print change in spate above. r r r l 00000198645822'7761679000000000000000226900 Opening Date: Februay 20, 2010 - Closing Dais: F ebr Discover More Card Account Summary Cardni mbar since Account number ending in 0569 Previous Balance $11,811.07 Payments And Credits 11,811.07 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finns Charges + 0.00 Other Fees t + 0.00 New Balance 0.00 See Finance Charge Summary section following transactions for detailed APR information Credit Line $10,000.00 Credit Ur Astable---- ---- -------- - -- 30.00- Cash Advance Credit Line $5,000.00 Cash Advance Credit Line Available $0.00 t See transaction detail for o description of any fees Cashbock I3onuse Anniversary Month October Opening Cashbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cad"& Boons Balance $ 0.00 To learn morn log In at www.Discover.eom and select Rewarder ,.... J av, ..,.... rraRJs r N Payment Information New Balance $0.00 Minimum Payment Due $2,269.00 Payment Due Date March 23, 2010 Lab Pay n d Warning: IF we do not receive your minimum payment by the date listed above, you may haw to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 29.99% variable. • Securely access statements and free ardine tools, pay bills online and track and view all transactions simply and easily • Make your money worth moroSm -find easy ways to can and redeem cash rewards - • NEWI Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at www.Diecevwxom 2. Call 1-800DISCOVER (1-800347-2683) Please have your Discoverlb card available 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deal) assistance, please call 1-800347-7449. EXH bit i I Transactions Trans. Post Date Data Paymanrs and Cmdift Feb 28 Feb 28 INTERNAL CHARGE-OFF $ -11,811.07 Finance Charge Summary N Average Daily Daily Periodic PE current billing period: 9 days Igar c Rates Purchases $0 0.08216% Cash Advances $0 0.08216% 29 V = Variable Rate ominal Other NNUAL ANNUAL Periodic Fee RCENTAGE PERCENTAGE FwLma FNANCE TES RATES CHARGES CHARGES .99% V 29.99% $0 $0 .99% V 29.99% s0 A RA 29 $0 s2 side. DISC*VEK VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that he is James Ball Team Lead (Name) 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. ? i j (Signature) WWR# 8253751 Eva G. Debraganza ?? 0569 c~ ~~ ~a~~~ ~-~ PRAECIPE FOR LISTING CASE FOR ARGUMENT (A~lust ba typewritten anti sutmitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argurnezrt Court _ CAPTION OF CASE (enti.re caption must be stated in C a j~ r( -~ 3 0' ~J~~C~~ 1~~, ~ ~~ O ~~q --1 ~s-- ~ ~ ~~ (Plaintiff } ~~~ ''~ ~ :~ ~ ~ ~~ 1 ~ 5 (I~fendant ) I3o. ~~~-~+-~ Civil ~ 1_ State matter to be argued (i_e_, plaintiff's motion for new trial, defendant's demuzrer to complaint, etc.). ~I~~n~~`~S ~o~a~ ~( ~u~nnrna ~~ ~~ 2. Identify cntu~sel who argue case: (~} for plaintiff: ~~, O~ ~ rS ~1 ~ I ~~~1 ~-~Q Address _ ~~S1cu r~Y ~ a 1 ~v~ l ~ ~ ~ ~' (b) for defendant:`~~~.~`~ l~O~~C~t ~S t~/Q ~ 1 ~ S~- ~~ ~~C i~~~3 c~cv~ 3. I will notiSy all parties..ain~wri~ing`vC~two days that this case has been listed fOr a-rrnmant_ 4. Argur~nt Court Date: ~~~~~~ I~l ~~ ~ U IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff. ~ Case Rio.: l~-;~7? CIVIL TER41 vs. MOTION FOR SUMMARY JCJDGMENT EVA G DEBRAGANZA , FILED ON BEHALF OF: Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire Pa. I.D.#93598 Weltman, Weinberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 ;;.._ ~. ~ ,. ~-- €::. r-~ ~ =~- °-. ~ ~~~ ~ ~ w= ' ~ ~ ~ ..~ :~-- .~a ~.. e ~y ~ ~ i ~ c~... ~. ~... ~., WWR No. 8253751 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CNIL DNISION DISCOVER BANK, Plaintiff, Case No.: 10-3077 CNIL TERM vs. MOTION FOR SUMMARY JUDGMENT EVA G DEBRAGANZA . Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. Iri support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $11,811.07 with interest at the interest rate of 29.99% per annum from March 12 2010, Attorneys Fees of $125.00, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made. a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiffs Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around July 21 2010, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests foX admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she has made no payment on the credit card since WWR No. 8253751 August 31 2009; that she applied for the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments, charges, and balances on the account; that she has not submitted any written disputes as to billing inaccuracies; and that $11,811.07 is a correct and accurate balance on the credit card account. 7. By way of his Answer, the documents attached to this Motion, and the Requests for admissions, deemed admitted under Pa.1Z.C.Y. ~O1 ~{b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $11,811.07 with interest at the legal interest rate of 29.99% per annum from March 12 2010, Attorneys Fees of $125.00, and costs. Respectfully Submitted: By: ' Benjami ib er, Esquire Pa. I.D.# 359 Weltman, inberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 W WR No. 8253751 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: vs. EVA G DEBRAGANZA COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: 8253751 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 08253751 C A Pit KMJ ~XXHIBiT IN THE COURT OF COMMON PLEAS OF CUMBERr-nom COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Diaintiif vs. Civil Action No EVA G DEBRAGANZA 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 ages, 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. XOU 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 REDIICED FEE Ok2 NO FEE. LAWYER REFERRAL'SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE; PA 17013 {717') 249-3166 8253751 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- bei.ow EVA G DEBRAGANZA 407 SCOTT DR. SHIPPENSBUR.G, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX0569 _ 4. ~Defen.dant made use of said credit card and has a current balance due of $11811.07 , as of March 12, 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. &. Plaintiff is entitled to the addition of interest at the rate of 29..9900 per annum on the unpaid balance from March 12, 2010 A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1" and made a-part hereof. 8253751 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. ?lair_tiff 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 Ju~gmentin its favor and against Defendant EVA G DEBRAGANZA ,individually in the amount of $11811.0'7 with interest at the rate of 29.990% per annum from March I2, 2010 plus attorneys! fees of $125.00 , and costs. This law .firm is a debt collector at our client and any information obtai James Wa ro t,42524 WEL WEINBERG & REIS CO., L.P.A. 436 ev nth Avenue, Suite 1400 Pit sbu gh, PA 15219 (4 ) 4 4-7955 F 4 2-338-7130 08 S3 1 C A Pit KMJ rEing to collect this debt for will be used for that purpose. 8253751 ~ 2 ~` o ° ~°,~'.~ D~. s `:z~ °s~ ~ ~ 3 DISClVEt~ . n , New Balance $ ~I s4.~ za sOSw6AO, osoosea EYA DEBRA6ANZA co p e„a rrreke yaea aocorai ' 497 SCOTT DR infwsrratfonmaesecte~ swRlspassrNOrd, at~ted stakrne•>te ony l~ r:an aooese. lf ~ m SHIPPENSBURG PA 17257-2168 s carnrrrore ~: 8253751 PO BOX 5103 ~11u.~~....•Lllss~sE~saf CAROL STREAM IL 60197-5103 .address,o-moilortalap}~onscl+ange7~ ~ ~r~~ri~j~r,~trr~~~e~:ti~~n~r{Rrr~rr~~~~rru~~~r~~urrr~~~+~n~{ •~o Eo viww.Diuov+w.cwn ar prirfi cticrbe ;n space above. ^DODDb9Ab4582277bbb790DDD00DOD17DDDDD22b900 Dn1e: Fsbnt~r 20, 2010 - Clositeg Date: February 28, 2010 Discover Mons Card Account Summary Cardmetnber since Acmwd number ending in 0569 Previous Balance 511,811.07 Payments And Credits - 11,811A7 Purchases + 0.00 Baiorra Transfers + ' 0.00 Cash Advances + 0.00 finenoe Chmrges + 0.00 Olhsr Fses t t 0.00 e1Df1 Payment (n{~ntmation hlw 8alanc. sooo Minimum Payment Due 52;269.00 Payment Due Dots tNarelr 23, 201 O late 1!ayr••errt Weeiririg: if vve do not receive your minimum paymerrT by ~ dc6s listed above, you may haw to pay a 1de Fee of up to 539.00 and your purrJrase APRs for new hwssacfians may bs inaeosed up to the Octant AP# of 29.99X variable. See Frnaxa Charge Summary section n8 fransadions Sscweiy occass atotsnrsrds and .bee or>Cine took, pay bills 'far detailed APR infamaSon onKne and }rack and vraw a! transoctiorrz simply and easily CtediFlirw 510,000.00 Make your money worllt moron--hmd easyways to cam -- Credtliiie'Avdlabl3"`" ---- ------'-- -- 50:00-- ----.arrd.cedssmcasltrswmds. - _---- -• -- - -- Cash Advariee Credit line 55,000.00 • mobile phone Ya'r «~ ~~ ~~~ y~ ' Cash Advance Credo L'ne Avaibbis 50.00 +see >taraactian detail kx a deecri on of files eF,arg,d. ~ easy Ways to Contact Us Pt °Ay 1. Access your axarnt securely of www.DGsos+w.oora 2. CaR 1.80Q•DISCRYER ~l$00347.2b83 ~~• ~. AAasdts Please how your Disoovmoamd ava 1YOnO7 3. Writ to us aF Discover PO Bax 30443, October Sat lake Orly, I1T 84I §0 • OpenGg Co•hbodc Bonus Balance S , 0.00 p~ TpD (iek+camrnu-riections Devloe For tlw Deoi) New Cashback Bonus This Period + 0.00 assistance, please call i-800347-7449. Cashbadc Bonus !dance S 0.00 7o room more, fob 1n ar www.D'i•oswreem ad refeeritewmds ---- Transactions ------~-~- Tans. Post DaM Dots Payaranic and Cred'ds feb 28 Feb 28 INTERNAL CHARGbOFF $ -11,811.07 F'incfnce~CTicrcge Summory Nomirart OI{ra age Av er " ~ ~ ~ ~ ~~ p ~ y 'currsrrF bifGrrg period: 9 days og bness' ic P eri od Rdss RATES RATES (9Y1RGC5 rPvrcfwsss 50 0.08216% 29.99% V 29.49% 50 SO Cash Advances SO 0.082167E , 29.99% V 29 9976 50 SO V = Yariabb Rak VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4944 relating to ~Fnsworn falsifications to authorities, that he is James Ball _ (Name) Team Lead of DFS Services LLC , plaintiffherein, that (Title) (Company) he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. WWR# 8253751 Eva G. Debraganza "N~ 0569 8253751 DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff . v. CIVIL DIVISION C a o EVA G. DEBRAGANZA, _~_=~ _~~ 7- _ -~ ~ ~ Defendant NO. 10-3077 Civil Term ;=_;_ c.n ;:=;~ --~ _i._ .t .. ~ T '•~ NOTICE TO PLEAD ..J c.~, ::. ~ TO: Plaintiff, Discovery Bank, and its attorney, James C. Warmbrodt You are hereby notified to file a written response to Defendant's enclosed new matter within 20 days from service hereof or a judgment may be entered against you. KEEFER WOOD ALLEN & RAHAL, LLP Date: ~~~`f jf() By: Bradford Dorrance I.D. No. 32147 210 Walnut Street P.O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8014 (Attorneys for Defendant) EXHIBIT DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff . v. CIVIL DIVISION EVA G. DEBRAGANZA, Defendant NO. 10-3077 Civil Term ANSWER TO COMPLAINT WITS NEW MATTER 1. Admitted on information and belief. 2. Admitted 3-9. Admitted in part; denied in part. To the extent any allegation deviates from the terms of any contractual agreement or obligation, such allegation is denied and strict proof is demanded. Admitted that plaintiff is claiming defendant owes certain amounts; denied defendant owes plaintiff any balance based on new matter below. WHEREFORE, defendant respectfully requests that the complaint be dismissed with prejudice, with all costs taxed against plaintiff. NEW MATTER 10. Defendant lacked mental capacity to incur the alleged debt. 11. Pursuant to the Fair Debt Collection Practices Act, defendant disputes the validity of the alleged debt and demands verification thereof. 12. Plaintiff has failed to comply with governing state and federal law, including Act 6, Act 91, and/or the Fair Debt Collection Practices Act. 13. Plaintiff has failed to attach any contract to the complaint, has failed to allege any contractual obligation owed by defendant, and has failed to provide verification of the debt. 19. Based on plaintiff's violations of the Fair Debt Collection Practices Act, defendant is entitled to statutory attorneys' fees, costs, and related damages, as well as an invalidation and cancellation of plaintiff's alleged claim. 15. Defendant defends the complaint based on such other reasons as will become apparent during discovery or at trial. WHEREFORE, defendant respectfully requests that the complaint be dismissed with prejudice, with all fees, costs, and related damages taxed against plaintiff under the Fair Debt Collection Practices Act. Defendant requests such other relief as the Court deems appropriate. Respectfully submitted, Dated: ~S~/?.c~ 1 ~ KEEFER WOOD ALLEN & RAHAL, LLP B y : '~._ radford Dorrance I.D. No. 32197 210 Walnut Street P. O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8014 ATTORNEYS FOR DEFENDANT 2 I, the undersigned, hereby verify and state that: 1. I am agent/power of attorney for defendant ire the foregoing matted and I am signing this verification in accordance with Pa. R.C.P. No. 1024(c). 2_ The facts contained in the foregoing ar_swer with new matter are true and correct to the best of rry knowledge, information, and belief. 3. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904, relating Lo unsworn falsification to authorit'_es. Dated: 5/24/10 ~ ~~ ~~ G Holly M~ re PDA/ gent for Defendant CERTIFICATE OF SERVICE I HEREBY CERTIFY that I am this day serving true and correct copies of the foregoing document upon the person(s) and in the. manner indicated below: First-Class Mail Postage Prepaid Addressed as Follows: James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Ave., Suite 1400 Pittsburgh, PA 15219 (Attorneys for Plaintiff) Dated:~~~~~, ~ - -Q Bradford Dorrance IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK Plaintiff, v. NO.: 10-377 CIVIL TERM EVA G DEBRAGANZA , Defendant. PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REOUEST FOR PRODUCTION .OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil. Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. In these Requests for Admissions: EXHIBIT .~~.~ A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a erson s means to state the full name and present or last known address and business address of such erson s and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each ep rson wlio have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identi ", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identi each and every erson s participating in such an act; (3) identi all other erson s (if any) present when such act occurred; (4} state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identi the erson s presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period oftime more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REOUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1 Defendant has made no payment on the credit card since August 31 2009 . Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION N0.2: Defendant signed the attached credit card application. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION N0.3: The attached monthly statements, from November 19 2007 through February 19 2010, correctly identify the payments, charges, and balances on the account. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial. REQUEST FOR ADMISSION N0.4: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies. REOUEST FOR ADMISSION NO. 5: $11,811.07 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. .---- Be gamin ~ er, E uire Pa. I.D. #93598 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR:8253751 CERTIFICATE OF SERVICE A true and correct copy of Plaintiffs First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the ~}day of ~(It.~ , 2010, upon the following: Bradford Dorrance,Esquire 210 Walnut St Po Box 11963 Harrisburg Pa 17108 By: ~~sc v~~~ YOUR DISCOVER" ACCOUNT CARDMEMBER AGREEMENT ................Pages 7-f3 Tiie terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right 'to Reject Arbitration' section at page 13. PRIVACY POUCY .........................Pages 13-16 A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 15. BILLING RIGHTS ..........................Pages 16-18 Important information about your rights and our responsibilities under the Fair Credit Billing Act DESCRIPTION OF COVERAGE ...............Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTUNE ..................Page 25 The terms and conditions of tfiis flee travel assistance benefit. ®2070 Discover Bank, Member FDIC TL22H.0210 t000M0_~280K_TL22H0210_01363_reader.kidd 1-2 1?l75/09 1:37:03 PM C+~RDMEMBER AGREEMENT Please read this Agreement carefully before using your Dls<over~ Card Account K contains the terms and conditans of yorr Acrount some of which may have drarlged from eafiier nulterials provided to you 6r the event of arty differences, this Agreement sh~l control 1Ne respect you ' prlrfatX See the hivacy section on page 10 and our Privacy Pobcy for additional information. The Arbitration of D section on page 11 includes a vraiver of a number of rights, including the r. Tn a jury trial. The Right to Reject Arbitration section on page 13 desm'6es the procedu re you must foAow if you desire to reject the Arbitration of Disputes section. DEFINI'IIONS ................................................... 2 USING YOUR ACCOUNT ......................................... 2 Your Acceptance oftha Agreement ............................ 2 Permitted Uses of Your Account ............................... 2 Prohibked Uses of YourActount ............................... 2 Purdrases and Cash Advances in Foreign Currencies ............... 3 CasirAdvances :..:.......................................... .3 Balance Trarufers ............................................ 3 Cred'R Authorizations ........................................ 3 Authorized Users ............................................ 3 Unauthorized Use ........................................... 3 Your Credit Lines ..................... ....................... 4 CHANGES TO THIS AGREEMENT ................................... 4 MAKING PAYMENTS ............................................. 4 Promise to Pay .............................................. 4 Mouthy Billing Statement .................................... 4 Mouthy Payment Options .................................... S Automatic Billing Arrangements ............................... 5 How We Appy Payments ..................................... 5 Minimum Mouthy Payment .................................. 5 Skip-A-Payment Offers ....................................... C di B l 5 re a t ances .............................................. S FlNANCE CHARGES .............................................. 6 How We CaklBate Periodic Finance Charges ..................... b How We Cakvlate Your Balances .............................. 6 Variablelnterest Rates ........................................ 7 Defauh Rate ................................................ 7 Cash Advance Treruaction Fee Finance Charges .................. 8 Balance Transfer Traruaction Fee Finance Charges ................ 8 Foreign Currency Transaction Fee Finance Charges ............... 8 Minimum Finance Marge ..................................... 8 AccountSet-up Fee Fnance Charge ............................ 8 FEES ........................................................... 8 Annual Fee .......................... ....................... 8 Late Fee .................................................... 9 Returned Payment Fee ....................................... 9 ftetumed Discover Card Check Fee ............................. 9 Pay-By-Phone ........................ ........................ 9 Research Fee ................................................ 9 DEFAULT AND CANCELLATION .................................... 9 Types of DefauR ............................................. 9 Coruequences of Defauh ..................................... C ll i 9 ance at on ................................................ 9 PRNACY AND OUR COMMUNICATIONS WITH YOU ................. 1 0 Our PrivacyPolicy ........................................... 1 0 Reportingto Credit Reporting Agencies ........................ 1 0 -1- tODCMO_02601LTL22H0210_01363_reader.indd 3-4 ty15/Dy 1.37.03 pM Our Communications with You ............................... 1C Releasing Information About Your Account .................... 1C Electronic Notices to You .................................. . . 1C Notices-Oranges to Yourlnformation ........................ 1C CLAIMS AND DISPUTES ......................................... 1C Merchant Disputes .......................................... 10 Claim Notices .............................................. 11 Arbitration of D~'sputes ...................................... 11 Right to Reject Arbitration ................................... 13 LEGALINTERPRETATION OF THIS AGREEMENT ...................... 13 Severability ................................................ 13 Compliance with Interest Rate Limitations ...................... 13 Governing Law ............................................. 13 ASSIGNMENT OF ACCOUNT ...................................... 13 DEflNIT10N5 "AttArrnY means your Discover Card Account "Authorized User^ means any person whom you authorize to use your Account or a Card, whether you notify us or not "Card' mearm any one or more Discover Cards issued to you or someone else with your authorization, "Pricing Sdredule" means the document aaomparrying your Card and listing the Fnance Charge rates that apply to your Account The Pricing Schedule is part of this Agreement "We; "us" and 'our" refer to Discover Bank, the issuer of your Discover Card. 'You,"'your" or "yours" refer to, in addition to you, the Cardmember, an?r other person or persons who are also contractually liable under this Agreement USING YOUR ACCOUNT Your Aaeptance of this Agreement The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept tha Agreement, including the Arbitration of Disputes section on pa a 11. You may, however, reject the Arbitration of Disputes section as explained on page 13. Permitted Uses of Your Account. Your Account maybe used for. • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by sing promotional checks, which we may fumBh to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash•advances from participating automated teller madrines, finanrial institutiors or other kxatiors, the purchase of lottery tickets, racetrack wagers, vouclrers redeemable for cash or for casino chips, money orders, travelers checks, savings bonds, foreign currency and wire transfers, or by means of checks which we may fumsh to you, all in accordance with suclr additional terms and conditions as we may offer from time to time • Balance Transfers - to transfer balances from other creditors or to make other transactions b means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservatioru at particpatng establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time spedfied by the establishment Your Account may be used for personal, family, household and kharitabte purposes. -2- 10DCM0_02801(_TL22H0210_013fi3_resder.indd 5-6 Prohibited Uses of Your Account. Your Account may not be used to obtain loans to Purchase, carry or trade insecurities, to pay any amount you owe under this Agreement or for arty transactioru that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited TrarrsacGonsh. Purchases and Cash Advances in Foreign Crrrrerrdes. tf you make a ppurclrase or rash advance in a foreign cunerrcy, rt will be converted to U.S. dollars usingeither a government-mandated rate, a government-published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made. The rate used will be the rate in effect on the conversion date for the transaction, whidr may be different than the Transaction Date as shown on your statement. VYe drarge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign cvrcerrcy as described in tfie Foreign Crurency Transaction Fee Finance Charges section on page 8. Cash Advances. We may periodically offer you promotional rates on cash advances for the time period specified in the offer, subject to the Defauk Rate section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. Balance Transfers. We may periodically offer you the opportunity to make balance transfers from other credkors or to make other transactions to your Aaount by means of balance trarmier coupons or dredks. Each offer will contain a promotional rate, whiclr will be the Anrxral Percentage Rate that will apply to trarnferced balances for the time period specified m the offer, subject to the Defauk Rate section and may contain a Balance Transfer Transaction Fee Finance Charge for each balance traroier made during the term of the offer, as disclosed in the offer and as set forth in the Pncing Schedule, 'd applicable. Balance transfers subject to the promotional rate are referred to as promotional rate balance transfers; balance transfers for which the promotional rate has expired are referted to as purchase rate balance transfers. Each offer wiR contain an expiration date. ff you attempt to tramfer balances by mears of a chedk after the e~iration date, we will treat the transaction as a cash advance. VVe will not make balance transfers attempted by means of a wupon after the expiration date. Credit Autlroraatiors. Certain transactions will requ're our authorization prior to wmphttion. In some cases, you may be asked to provide identification. We have the right not to authorze a transaction for security or other reasons. Also, if our authorization system a not working, we may not be able to authorize a transaction. We will not be liable to you 'rf any of these events happen. Authorized Users. H you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notiffyy us acrd destroy any Card in that personY possession. You can rroYdy us by tP0 B~pox 309 37~-800-DISCOVER (1-801E347-2663), or by writing Discrnrer, City, UT 84130-0943. None of your rights under tha Agreement (other than to pay amourrts owed) may be exercised by any person not a party to this Agreement acting prusuant to a power of attorney, without our separate written agreement (vuhich we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be . ned by the person to whom it a issued. ff a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning t-800-DISCOVER (1-800.347-2683), or by wrting Discover, PO Box 30943, Sak lake Gty, UT -3- 12/15/09 1:37:04 PM 84130-0943. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Aaourrt or a Card and to comply with such procedures as we may regmre in conneRion with our irnest- igation. Your Credit Lines. We will advise you of your Account credh line. We may impose a knver line that will appy to cash advances, referred to as the cash advance credit line. We may also impose a lower line that will apply to balance transfers, refereed to as the balance transfer credk line. You agree not to allow your unpaid balance, incuding Finance Charges and fees, to exceed your Account credit line. U you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account credit line. We may increase or decrease your Account vedit line, your cash advance credit line or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of detenninirg your available credit, we reserve the right to postpone for up to 15 busrness days redudng your unpaid balances by the amount of arty payment that we receive. Your available credit will not 6e increased by the amount of any credk balance. CHANGES TO THIS AGREEMENT From time to time, we may, to the extent pemritted by law, drarge any tens of this Agreement indudirg, but not limked to, an finance duuge rate, fee or method of computing arty balance upon which the finance drarge rate is assessed, or add or delete arty term to this Agreement. We will gnus you notice of the change in the time and manner required by law, which irKhdes 45-days advance written notice in some drcurrrsWnces. M addition, to the extent required by law, we wr7 offer you the opportunity to reject a dwnge For example, law requires, with certain exceptions, that we offer you the opportunity to rejeR an increase in a late fee or the elimination of a grace perK>d prior to the effective date of the dsarge. N you reject a dwnge in accondance with the instructions in fire notice provided, we will dose your Account and you will no longer be abk to use rt for further transaRions. You ran then pay the remaining balance under the unchanged term. We may also dwnge any teen of any product, service or benefit offered in connection with ur Account. We wUl notify you as required by law or by the terms of the product service or benefit. MAKING Fh4YMENTS Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash advances and balance Vansfers including applicable Finance Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even 'd you do not notify us that others are using your Aaount or a Card. H you pay us in other than US. dollars, we may refuse to accept the payment or charrgge your Account our cost to convert your payment to US. dollars. All drecks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card amount to make payments on your Account H your Account is a joint Account each of you agrees to be liable individually and jointly for the entire amount owed on your Attount We ran accept late payments or partial payments or cheda and money orders marked "payment in futl" or with any other restriRive endorsement wittwut kxing any of our rights under this Agreement Monthly Billing Statement We will send you a billing statement after each -4- monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by laic The billing statement will show all purchases, cash advances, balance transfers, Rnarxe Charges and other charges or fees and all payments or other aedks posted to your Account during the billing period. h will show your Never Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period, H your prior month's payment is returned unpaid, your required Minimum Payment Due ma be higher than shown on your Mlling statement See the Minimum Month~y Payment section on page 5. Morrihly Payment Options. You may at any time pay the entire New Balance shown on your billing statement but each month you must pay at least the Minimum Payment Due as descried in the Minimum Monthly Payment section. All payments must be made in aaordance with the terms stated on your monthly billing statement as wet as the payment cutoff time stated in this section, and vre will aedk your Account in accordance with those terms and this section. Payments received in proper form at our processing fadlity by SPM local time on arty day will be credited as of that day. Payments received in proper form at our processing facility after SPM kxal time will be credited as of the next day. Automatic BiM'ng Arrangements. ff your Aaount number andlor Card expiration date changes and our records indicate you have automatic billing established with a merchant we will attempt to provide your new Account information to that merchant To ensure uninterrupted billing, we recommend thatyou verifythe merchanthasyournewAccount information. You must contact the merchant directly if you do not wish to continue the automatic biNing arrangement. How We Apply Payments. Each bilUng period, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will apply these excess amounts in order of the Annual Percentage Rate applicable to the balance of each traruaction category (as referenced in the Finance Charges section), generally from highest to lowest, beginning with the balance subject to the highest Annual Percentage Rate. Otherwise, we will apply hymen and credits at our discretion, including in a manner most favorable or cotrirvenieM for us. In all cases, we will apply payments and credits in accordance wRh applicable law. Minimum Monthly Paymeru. The Minimum Payment Due each month will be the greater of: • the New Balanced it is less than f 15; • S15 if the New Balance is f 15 or more; or • any past due amount plus the greater of: • 2% of the New Balance (exduding current Periodic Finance Charges and late Fees) rounded up to the nearest ddlar or • current Perodic Finance Charges plus late Fees plus S 15 (not to exceed 3°,6 of the New Balance) rounded up to the nearest dollar. We may also indude some or all the amamt by whichyou exceed your Aaount credit line. We may subtract certain fees to the Minimum Payment Due. The Minimum Payment Due will never exceed the New Balance. Skip-A-Payment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. H you take advantage of this offer and do not make a minimum monthly payment finance charges and any applicable fees will acwe on your Account in accordance with tha Agreement and you must pay the Minimum Payment Due for the fdbwing billing periods. l.redit Balances. We will refund any credit balance within seven business -5- tODCMO_02BOK_TL22H0210_01363_reader.indd 7~8 rzJneroy rar.o4 PM days from receipt of your written request ff you do not request a refund, we will automatically refund credR balances greater than St that remain in your Attount after 6 months. FRANCE CHARGES How We Calculate Periodk Finance Charges We begin to impose Periodic Finance Charges on all trarrsacCans from the Transaction Date for the transaction shown on your billing statemen; unless a transaction is posted to Your Account after the dose of the billing period in whkh it occurs, in which case we begin to impose Periodk Finance Charges on that transaction from the first day of the btBing period in which it is posted to your Account We continue to impose Peri rc Finance Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. However, 'if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statemenrt, we will not impose Periodk finance Charges on new purchases, that is, purchasesfintappearing onthe curentbilling statemen; or any portion of a new purchase, paid by the Payment Due Date on your current bilfing statement We call this the "grace period." There is no grace period on balance transfers or cash advances. As more fully described in the section titled "How We Apply Payments," we generally apply p nts to your Auount based on the Annual Percentage Rate applicable to the balance of each transaction category. This means that "rf you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purdlases We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the trarructions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as Varlsaction categories At the end of each billing period, we compute balances and Penodk Finance Charges for each day of the billing penod for eadl transaction category. We use the following equation to wmpute Periodk Finance Charges for each transaction category: (Average Daily Balance) times (days in billing period) times (Daily Periodic Rate). You may refer to the Finance Charge Summary on your billing statement for these amounts. Then we add up the Periodk Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account The Average Daily Balance is shown as zero if, because of the grace period, no Perodk Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is 7r365th of the corresponding Annual Percentage Rate. How We Cakulate Your Balances We use the Average Daily Balance (inducting new tromactiom) method of cakulating tfie balance upon whidl we impose Periodic Finance Charges We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a tramactan category and dividing the total by the number of days in the billing period. We compute the daily balance for each transaction category on eadr day by first adding the following to the previous dayY daily balance: transactions with a Transaction Date of that day as shown on your billing statement, unleu the transaction is posted to your Acmunt after the close of the billing period in which it occurs, in which case the trarnaction will be added to the daily balance as of the first day of -6- 10DCM0_02BOrLT122H0210_01363_reader.indd 9-10 the billing period in which R is posted to your Aaoun; fees charged that day and Periodic Finance Charges accrued on the previous day's daily b trce• and by then subtracting any credits and payments that are applied agairnt the balance of the transaction category on that day. In calculating the daily balance for the firrt day of the billing period, we consider the "prev'aus day's daily balance" to have been your balance for eadr transaction category on the last day of your previous billing period. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction fee Finance Charges which are added to the applicable cash advance transaction category and Balance Trarrsfier Trorgaction Fee Finance Charges which are added to the applicable balarxe transfer transaction category. Variable krterest Rates One or more Daily Periodic Rates and corresponding Annual Percentage Rates that apply to a transaction category may be variable rates as set forth in your Pridng Sdredule or in any spedal offers you receive from us. Variable Annual Percentage Rates are determined by adding a spetffied number of percentage poirrts to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points)." For ~rposes of this Agreement the Prime Rate is the highest rate of interert irted as the "prime rate' in the Money Rates section of The Wall Sheet Journal on the last business day of the month. The Prime Rate is merely a pricinngg index and does rat represent the lowest or best interest rate available to a borower at any bank at arty given time. M you have a variable rate, your Annual Percentage Rate will increase w decrease when the Prime Rate dwnges This flange will be effective beginning with the first day of the billing period that begins during the same month as the dlange in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum Payment Due. Defauh Rate. Each time that you do not make the Minimum Payment Due by the Payment Due Date we may, in accordance with applkable law: (7 terminate the availability of any promotional Annual Percentage Rates on new transactions: and (i) increase your Annual Percentage Rates for new transactions to variable Defauk Rates Earh new variable Defauh Rate for a new transaction is determined bbyy adding up to 5 additional percentage poirrts to the otherwise appliicable Annual a Rate and wiR vary based on any changes in the Prime Rate. (For exam , 'd the promotional purchase rate was 2.99% and the rate for other purchases was 15.99% and you paid Tate once, the rate for all new purchases could increase up to 20.99% variable and vary thereafter with the Prime Rate.) When we flirt determine the vaziable Defauk Rates, we use the Prime Rate effective for the billing period in which you p late. The variable Defauh Rates are determined in accordance with the Variable Interest Rates section. We will base your DefauR Rate on your creditworthiness and other factors wch as your curtent Annual Percentage Rates and your Account history. If we irxrease any of your Annual Percentage Rates to a Defauh Rate, we will send you a notice, in accordance with applicable law, advising of Gj the date the new Defauh Rate wiB apply (the 'Defauk Rate Effective Date"), f) the type of new Vansactions to which it will be applied (note: the new DefauR Rate will not apply to any other transactions) and, (iii your right to reject the new Defauh Rate. New transactions are those transactions which eRher (~ have a Transaction Date, as shown on yore billing statement, of more than fourteen days after we mail or deliver the ratke to you or, (~ if permitted by a irable law, were posted to your Aaount after the current Default Rate E ective Date. Your Account will not be subject to a Default -~- 72/15/09 1:3794 PM Rate for the first twelve billing periods after your Account is first opened. H your Annual Percentage Rate for purchases, balance transfers or cash advances waz increased to a Defauk Rate, we NnN, to the extent required by applicable law, periodically review your Aaount to determined any of your Annual Percentage Rates should be reduced. Any reduced Annual Percentage Rates on new and existing balances may be different and may be higher than your previous standard Annual Percentage Rates for purchases, balance transfers and/or cash advances or any promotional rate. Cash Advance Transaction Fee Finance Charges. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee FINANCE CHARGE of S% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of S70 and no maximum. The imposition of Cash Advance Transaction Fee Finance Charges may rewk in an Annual Percentage Rate for cash advances that is higher than the nomina{ Annual Percentage Rate. AR forms of cash advances, including the use of Discover Card clrecks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add air Cash Advance Transaction Fee Fnance Charges for the billing period charged under this section to any Periodic finance Charges calculated under the Periodic Finance Charges section for each cash advance transaction category and add up these amounts. Balance Transfer Transaction Fee Fnarrce Charges. Unless otherwise specified in a balance transfer offer, we will charge you a Balance Transfer Transaction Fee FR~WNCE CHARGE of 5% of the amount of each new balance transfer with a minimum Balance Transfer Transaction Fee FINANCE CHARGE of S70 and no maximum. The imposition of Balance Transfer Transaction Fee Finance Charges may rewk in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance TransferTransaction Fee Finance Charges for the billing period charged under this section to any Periodic finance Charges calmlated under the Periodic Finance Charges section for each balance transfer transaction category and add up these amounts. Foreign Currency Transaction Fee FirrarKe Charges We will charge you a foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar amount of each purcluse made in a foreign currency. The imposition of Forego Currenq Transaction Fee Finance Charges may resuk in an Annual Percentage Rate for Purchases that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on purdtases for each billing period, we add any Forego Currency Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FlNANCE CHARGE of 5.50 for any billing period in whKh Periodic Finance Charges of less than 5.50 would otherwise be imposed. Account Set-up Fee Fnance Charge ff your Pricirx,~ Sclredule affomparrying your Card includes an Account Set-up fee, we Krill charge you aone-time Account Set-up Fee RNANCE CHARGE in the amount indicated when we open your Account FEES Annual Fee. If your Pricing Schedule accompanying your Card includes an Annual Fee, we will charge you an Annual Fee in the amount indurated. We will charge you this fee when we open your Account and at the beginning -8- 10DCM0_0260K_TL22H0210_01363_reader.indd 11-12 of each anniversary year your Account a open. The Annual Fee is not refundable, except az provided by taw. late Fee. We wi6 dlarge you a late fee if you have failed, az of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges of the end of the billing period for which we did not receive timely payment k the sum is 5250 or less, the fee is S 19. H it h greater than 5250, the fee is 539. Returned Payment Fee. We will charge you a Returned Payment Fee of S35 eaclr time you pay us with a check or other instrument that is returned unpaid. This fee will oho apply if a debk transaction to a deposit account from which you have authorized us in writing, electronically or oraYy to periodically deduct all or a part of an amount you owe us under this Agreement h returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission. Returned Diswver Card tlnedr Fee. We will charge you a Returned Discover Card Check fee of S35 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. Pay-By-Phone We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit affount to your Account We will not dwrgeyou a Pay-By-Phone Fee. Researdr Fee. We may charge you a Research Fee of SS for each copy of a billing statement or sales slip that you request However, we will not charge a fee if you request copies in connection with a biNirg error. DEFAULT AND CANCELLATION Types of Default You are in defauk 'd you become insolvent 'd you file a banlwptcy petition or have one filed against you; if we have a reasonable belief thhaatt you are unable or unwilling to repay your obligations to us; 'd you are declared incompetent by a wurt or if a court appoints a guardian for you or a conservator for your assets; 'rfyou die; 'd fad to comply w'tth the terms of this Agreement, including fading to make a required payment when due, exceeding your Account uedk hoe or using your Card or Account for a Prohibited Transaction; or 'rf you fail to make a required payment when due on any other account you have with us Consequences of Default M you are in default, we may declare the entire balance of your Affount immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable att fees and court or other cdlection costs az permitted bylaw and az a incurred by us, inducting fees and costs in connection with any appeal. We may delay enforclng or not enforce arty of our rghts under this Agreement without losing or waiving any of them. CanK:epatioa You may cancel your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that ove have provided you. You ran notdy us by telephoning 1-80B~DISCOVER (1-80t}347-2683), or by writing Discover, PO Box 311943, Sak Lake Gty, UT 64130.0943.Of course, you will rtill be responsible to pay any amount you owe us according to the terms of this Agreement H your Account is a ornt Account, either Cardmember may cancel the Account, but you will remain responsible to pay any amount owed to us affording to the terms of tha Agreement. We may cancel or suspend your Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the fate of a Card) without notice. You murt -9- 1vlsros laroaeM return any Card or unused d7ecks to us upon request PRNACY AND OIRt COMMUMCAITONS WITH YOU Our Privacy Polio We may from time to time review your credit employment and irxome records. We respect the privacy of information about you and your Account Our Privacy Policy includes a wmmary of the personal mformatwn we collect, when k may be shared with others, how we safeguard the cordidentialky and security of irdortnation and the steps you may take to limit our sharing of wch inforrtiation with others. Please read k carefully as k is part of your Cardmember Agreement Reporting to Credit Reporting Agenries. As ind'Kated in our Privacy Polity, we may report to credit reporting ager7des and other uedkors the status and payment hktory ofyourAttount, including negativeuedk information. Late payments, missed payments or other defaults on your Account maybe reflected in your credit report We normally report to such uedk reporting agendas each month. ff you believe that our report of your Attount status is inaccurate or incomplete, please wrke us at the folk7wing address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home teephone number and Account number. Our Communicatioris wkh You. You agree that our personnel may listen to or record telephone calk between you and our representatives without additional notice to you, indudiny but not limited to ralk we make to collect debts. We may use any medwm permitted bylaw, including but not limited to mail, live telepphhone calk, automated telephone equipment, prerecorded telephone calls, e-mail and calk to your cell phone to contort you about your Account or to offer yyoou products or services that may be of value to you. H you prefer not to be contacted in one or more of these wags, you must either telephone us at 1-800•DISCOVER (t-800347-2683) or wnte to us at Discover, PO Box 30%1, Sak lake City, UT 30%1-0961 Releasing Information About Your Accr>tnt We provide various methods by which you can obtain information about your Acwunt. We will only release sudi information to you, arty Authorized User that our records indicate k an authorized buyer on your Attount, and any other person with your prior permission, in addition to as provided in our Privaq Policy or as required by law. Our security measures cannot insure agairut unauthorized inquiries. You agree that we will rrot be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristic about you such as your personal identification number, Account number a soda) security number. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us electronically rather than througfi the mail, including monthly billing statemerits and charr~e of ter7rrs notices. The terms and conditions for receiving these electrornc comrtwnications will be desuibed in the offer. Notices -Changes to Your Information ff you change )rour a-mail address, mailing address or telephone number you must notdy us of your new address or telephone number within 15 days. You can notify us by telephoning 1.800-DISCOVER (1-800-347-2683) or by writing Discover, PO Box 30943, Sak lake City, UT 841300943. tf your Account k a joint Account any notce we mad to an address yy~i7 have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant l>isputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept dledcs that we have provided you. ff a t0 10DCM0_D260K_TL22H0210_01363_reader.indd 13-14 merchant faik to provide your purchase to your satisfaction and you request a uedtt to yore Attount we will investigate the dispute. H we resolve the dispute in your favor, we will ksue a ued'd to your Attount and you will be deemed to have assigned to us your claim against the merchant andlor any third party for the uedked amount. Upon our request you agree to provide us with written evidence of wcl7 assgnment Claim Notices In the event that you or we have a claim that arises from or relates to your Account any prK7r account you had with us, your appppGcatioq the relatiorrships which rewh from your Account or the enforceabiliily of the Agreement or any prior agreement before initiating, jointng or participating in airy judidal or arbitrat'Kxi proceeding, as either an individual I'figant or member of a class ("Proceeding"), the mmplaining party shall give the other party' (1) a written notice of the claim ("claim Notice"), at least 15 days bef -ore initiating any Proceeding, explaining in reasonable detail the nature of the claim and arty w ing facts; and (2) a reasonable good faith opportunky to resolve tfre claim without the necessity of a Proceeding. This includes any claims involving orr parent corporation, subsidiaries, affiliates (including, without limitation, DFS Services LLC), Predecessors, successors, assgrs, as well as the officers, directors and employees of each of these entities. Any Claim Notce shall be sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other address as we shall wbsequently provide to you) (the "claim Notice Address') or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Dkprrtes. Agreement to arbitrate. In the event of any past present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your Attount any prior acmunt you have had with us, your application, the relationships which rewk from your Account or the enforceability or scope of thk arbitration provision, of the Agreement or of arty pnor agreemerit, you or 1Ne may elect to resove the claim or dispute by bin id ng arbitration. ~ EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY 11tU11 ON THAT CWM. PRE-HEARING DISCOVERY RIGHTS AND POST-NEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOUDAIE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRNATE ATTORNEY GENERAL CAPACITY ('doss Action Waiver"). Notwitixtanding arrything eke to the contrary in thk arbiVatiai provision, only a murt and not an arbitrate, shall determine the validity and effect of the Class Action Waiver. Evenrf a6 parties have opted to litigate a claim in court, you or we may elect arbitration wkh respect to arty claim made by a new party or any new claims later asserted in that lawwk and nothirK~ undertaken therein shaA corxtkute a waiver of airy rights. under the arbitration provkion We will not invoke our right to arbitrate an individual claim you brim in small claims court or your state's equivalent court, 'rf any, unless such action k transferred, removed or appealed to a different court Governing Law and Rules Your Account involves interstate commerce and this provision shall be governed by the Federal Arbitration AR (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) or JAMS in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, _11_ 12!75/09 1:37:05 PM contact AAA at 335 Madison Ave., Fbor 10, New York, NY 10017-59D5, wwwadrorg (phone 1-8~-778-7879) or JAMS at 620 Eighth Ave., Fbor 34, New York, NY 10018, www.jamsadreom (phone 1-800-352-5267). No other arbitration forum will be permitted, except as agreed to purwant to either the Changes to this Agreement section or a writing signed by both parties. ff neither AAA nor JAMS is able or wiNing to serve as the arbitration administrator and we and you are unable to agree on a repplIacement administrator or arbitrator, then a court of competent jurisdiction will appoint an administrator or arbitrator or arbitrators (in the case of an appeal to a panel of three arbitrators as desvibed below). Unless coruented to by all parties, no arbitration may be administered by arty administrator or arbitrated by any arbitrator that has any formal or infomwl policy, rule or procedure that is inconsistent with or purports to ovenide the terms of this section. ff we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with respell to which you wouk not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees and/or other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Costs. At your written request, we mTl advance any arbitratxm filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a resuk of our electing to arbitrate that claim or dispute. Send requests to Discover, PO Box 30421, Sale Lake Gty, Ui 84130-0421. The arbitrator will decide who will ukimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attorneys' fees and court or other cdlection costs" had the action proceeded in court In no event will you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where wch a payment or reimbursement is prohibited by applicable law. Hearings and Dedsions. Any arbitration hearing will take place in the tederal 'udicial district where you reside. The arbitrator shall folkwv applicab~ substantive law to the extent coruistent with the FAA and applcabe statutes of limitations and shah horar claims of privilege recogn¢ed at law and shall be authorized to award all remedies permitted by the substantive laves that would apply 'rf the action were pending in cou2 ff requested by any party, the arbitrator shall mite an opinion containing the reasons for the award. The arbitrataoY decision wiN be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds 5100,D00, any party may appeal the awarcl within 30 days to a threearbitrator panel, wh' shall review the award de noun. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and-the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Other Benefrciaries of this Provision. Our rights and obligatioru under this arbtraton provsion shall inure to the benefit of and be binding upon our parent coryoratiorn, subsidiaries, affiliates (including, without limitation, DFS Services LLC) predecessors, successors, assigns, as well as the offrcers, directors and employees of eadl of these entities, and will also inure to the benefit of any third party named as a co~eferdant with us or with arty of the foregoingg in a claim which is sub~'ect to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the _t2- 10DCM0_02BOK_TL22H0210_01363_reader.indd 1516 benefit of and be binding upon aN persons contractually liable under this Agreement and aN Authorized lhers of the Account. Survivai of this Provision. This arbitrafKln provision shall survive termination of your Account as well as wluntary pa ent in fuN by you, any legal proceedings by us to collect a debt owed by you, any banluuptq by ycw and any sale by us of your Account Right to Reject Arbitration. You maY reject the Arbitration of Disputes section by ing us a notice of refection witlrin 30 days after receiving a Card, at f~Novvrng address: Discover, PO Box 30938, Salt lake City, to 84130-0938. H you were previously cab"ect to arbitration with respell to arty auount with us, this right to reject a~ration will not apply to you. Your rejection notice must uldude your name, address, telephone number, Account number and signature and must not be sent with any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or fomrot that does not cemPN with all applicable requirements is insuffident notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbitration vw l not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other attount as to which you and we have agreed to arbitrate disputes. M you do not send a rejection notice, you vn'll be obligated by the Arbitraton of Disputes section with respect to this and any prior aaount you hare had with us, even'rf you have previously sent a rejection notice with respect to that prior account LEGAL NVTERPRETATION OF THIS AGREEMENT SeverabiNgc k any part of this Agreement becomes unenforceable, it will not make any other part unerdorceable, except that 'd the ~ Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are inwlved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with Interest Rate limitations. We intend that this Agreement will comply with applicable interest rate limitations. You wi rat be required to pay Finance Charges or other dwrges at a rate that a greater than the maximum amount permitted bylaw. If it'e; ever fina8y determined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and other diarges will be reduced to the maximum lawful amount Any excess amount that you have already laid wiN be used to reduce the outstanding baWnce of )rour Account or will be refunded to you by mearx of a check in our disvetron. Governing law This Agreement and any claim or dispute air' out of this Agreement wiN be governed by applicable federal law and, to the extent state law appNes, Delaware law ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account without fiat obtaining our prior mitten corxent. PRNACY POl1CY We are required by federal law to provide you vvitlr a copy of our Privacy Policy each year. R You have previously notified us about your privary preferences, as desmbed in Section 4, k is not necessary to do so again unless you deride ib change your preferences. -13- 12/lb/09 1:37:0.5 PM We Respect Your Privacy Our mission is to provide you with wperar products and services, along wRh the peace of mind knowing that the security of your personal infommation is our top priorAy We understand your corKerrms about guarding information about you and your Aaount We want to assure you that vve have taken steps, and wiN continue to take steps, to safeguard that information. This Privaq Polity describes our efforts to meet these objectives. h includes a wmmary of the following important infommation: • A listing of the personal information we collech • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Pdicy carefully. tt will help you understand how we colleR and share information. 1. What Personal Infommation Do We CoBeR? To serve you better and manage our business, k is important that we collect and maintain accurate peisorial informatan about you. We obtain this information from applications and other forms you submit to us, from your dealings with us acid others, from consumer reporting agerxies, and from other sources, such as our Web sftes. For example: • We may obtain information such as your name, address and date of birth from applications and otherforms you submRto us. • We may obtain information such as Account balances, payment history, your use of your Account and the types of services you prefer from your traruaRiorms and other dealings with us and others. • We may obtain information wch as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provider, your e-mail address, your computer's operating system and Web browser, your Web site use and your produR and service preferences from your visits to Web sites 2. k Personal IMomiatiorm Shared with Others? We limit the sharing of information with others. Many of the offers you rece'nre for products and services are provided directly to you from us. For example, a retailer that aaepts the Discovers lard may come to us with a special offer for Cardmembers, such as a discount certificate a product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who may be interested in the offer based on certain dmaraReristia We will send the offer directly to those Cardmembers on behalf of the retailer bbyy for example, induding an insert in their monthly biding statement or mailing the offer ourselves. We control the information used to make the offer, we do not share the list or any information about our Cardmembers with the retailer. However, please understand that if you do receive this type of offer from us and chose to take advantage of iL the retailer may then loam information about you because only Cardmembers with certain dmaraderistia received the offer. There are, however, circumstances in which we may share the information we collect about yoµ as described in Section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these companies to -14- adhere to our privacy standards and to use this information only for the limited purpose for vvliidm it was shared. We do not allow them to d'isdose it to atfiers without our prior approval. a. Sharing Personal Information with Our Corporate Family Our corporate farm offers a variety of products and services that can help you manage your inarxes In order to provide You with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies indude financial service providers that offer credtt protection, card servKing and payment processing services. b. Sharing Personal Information with Non-Affiliated Parties for Marketing Purposes We may share the information we colleR about yoµ as described in Section 1, with ran-affiliated third parties, induding those that accept the Discover Card, in order to provide you with access to products and services offered directly by these comPan'ies that maybe of value to you. These companies indude financial service providers, such as irmwrarmce companies, and non- financial companies, such as retailers. c Sharing Personal Informator with Others We may share the irrfarmation we collect about yoµ as described in Section 7, wkh companies that perform w or marketing services on our behalf, suds as maBing, market researdi and data processing; other finarxial institutions with which we have pint marketing agreements or companies that are ourpartnersfor co-brand credit wrd programs or reward progrars. We may also share such information as permitted bylaw 3. How Do We Protect the Confidentiality, Searity and Ymtegrity of Information about You? We maintain physical, electronic and procedural safeguards to protect the information we cdkct about you. Aaess to such information is restricted to individuak who need it in order to service yourAorouM or provide products and services to yoµ and who are trained in the proper handling of suds information. Employees who violate these confdentiality requirements are subject to our disciplinary process. Where third parties provide support servKes, we require them to conform to our privacy standards. h is important that the information we maintain about you is accurate and complete. If you see information in your mormtlmly billing statements or elsewhere which suggests that our information is iricormplete a inaoarrate, please write to us at Discover, PO Box 30943, Sak lake Ciyr, lJi 84130-0943 so that we can update this information. 4. How Car You limit Sharing of Information About You? We respell your privacy and offer you choices as to whether we may share information about you with others. You have the option to tell us sotto share the information we collect about yoµ as descried in Section t, with non- affiliated third parties You also have the option to tell us not to share the information we collect about you,. as described in Section 1, with companies in our corporate famrTy. M u indicate a preference far either of these options, please understand that you may not receive offers for products and services provided by other companres that could help you kmwer your costs, maxim'¢e your financal resources, or manage your finarxes. To irdirate your preferences, please call us at 1,800-225-5202 or write to Discover, PO Box 30961, Soh lake Gty, UT 84130-0967. M you have previously notified us about your privacy preferemes, it is rat rmecessary to do so again wless you deride to dmarmge your prefererces. Your written request should indude your name, address, telephone number and Account -15- tODCMO_0280K_T122H0270_01363_reader.irWd 17-18 12/15/09 1:37:05 PM number(s) and should not be sent with any other cortespondence. In order to process your request, we require that the request be provided by you directly and not through a third party. You wiN need to provide us with your preferences for each vedit card accourrt you have with us. You may notify us about your preferences at any time. Your request will remain m effect until you notify rn otherwise. We will honor your request and not share this information ex pt as permitted by law. For example, federal law permits us to share incofwmation about you with consumer reporting agencies, service providers and finarscial institutions with which we have Point marketing agreements. ff you are a new Cardmember, we will not share any irrfomtatron about you, except as permitted bylaw, for thirty days after we provide this Poliq to you in order to give you an op unity to inform us about your preferences. ff you are an exirtmg Camber, please understand that you may continue to receive marketing offers directly from other companies that were already in production prior to the processing of your request This Privacy Policy is proved to the ppnnmary Cardmember listed on the Account However, any fomt Cardmember has the right to notdy us about preferences and we will treat that request as applying to the entire Account We do not share information about former customers, except as permitted by law. This notification supersedes all previously iswed Privacy Polities We reserve the right to amend this Pmrary Policy from time to time and we will notify you 'd we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC Insurance Agency, Nsc and Discover Products Inc, Unless otherwise spedfied, it applies to the family of Discover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (wrdi the exception of any information registered in conrvaction with the service, which will not be shared). K is part of your Cardmember Agreement and provides a further explanation of how we coNeR and share information. You may have other rights under state laws that apply to this information. Please note that you wiN ako receive privacy rsotices for other credit ord accourrts you have with us, as well as other finandal products and services provided to you by us and our affiliates. You wiN need to indicate your preferences for each of these separately as disclosed in the notice. Vermait Residents -Your state law requires finandal insttUtions to obtain your corssent pnor to sharing information about you with others. Except as permitted by law, we wiN not share information we colect about you with nonaffiliated third parties or companies in our corporate family unless you caN us at 1-SOf>`DISCOVER (1-800-347-2683) and authorize us to do so. California Residents-Yourstate law requires finandal inutitutions to obtain your consent prior to sharing information about you with nonaffiliated thud parties. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act 1. Notify Us in Case of Emors a Questions About Your Bill ff you think your bib is wrong or 'rf you need more information about a traruaction on your bill, write us on a separate sheet of paper at the address -16- 10DCM0_02nOILTL22H0210_01363_reader.indd 120 listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bid on which the enor or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • your name and Account number. • your dollar amount of the suspected enor. • describe the error and explain, if you Cary why you believe there is an error. H you need more information, describe the item you are not wre about N you have authorized us to pay your credit card bill automatically from your savings or d~ed:ing account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatrc payment K sclxduled to occur. 2 Your Rights and Our Responsibilities After H/e Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the enor by then. Within 90 days, we must either correct the enor or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question or report you as delinquent We can contimm to bill you for the amount you question, including finance charges and we can apply any unpaid amount agairxt your Account vedit limit You do not have to any questioned amount while we are irnestigating, but you are still ob' ated to pay the parts of your biN that are not in question. ff we find that vve made a mistake on your bill, you will not have to pay any finance charges related to airy questioned amount ff we didn't make a mistake, you may have to pay the finance charges, and you will have to make up arty missed paymersts on the questioned amount In either rase, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you az delinquent However, 'rf our explanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, vve must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell arryone we report you to that the matter has been settled between us when it finally is. ff we donY follow these rules, we can't collect the first S50 of the questioned amount, even if your bill was correct 3. Spedal RuM forCredt Card Purrhases If you have a problem with the quality of goods or services that you purcliased with a credit card, and you tried in faith to correct the problem with the merchant, you may have a right not to pay the remajning amount due on the goods or services There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state, within 100 codes of your current mailing address; and (b) the purchase price must have been more than 550. These imitations do not apply ff we own or operate the merchant or if we mailed you the advertisement for the goods or servxes 4. Purdrases Made with fhedcs or Cazh Advances The Special Rule for Credit Card Purchases does not apply to purchases made wkh a balance transfer check, cash advarxe or promotional purchase cliedc. Therefore,d you have a problem with the quality of goods or _ 77_ tuisros 1:3ros rx+t services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED ABt TRAVEL ACCIDENT INSURANCE Discover® Cardmembers are provided with SS00,000 kheduled Air Travel Aaident Insurance.* You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purdwsed on your Card (as defined bebw) will be automatically imured ayaimt Accidental Loss of Life arising from and occurring on a Covered Tnp while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card are riding as a passenger in or enteri exiting or being struck b~ a kheduled Aircraft or a conveyance operated~y a military transport service or riding as a passenger in or enteric or exiting arty conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately precedinngg the departure of a kheduled AirQaftonwhichthe lnwre~ Person has purchased passageand immediately following the arrival of a Schedule AirQaft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Inwrance Company, a member insurer of the Chubb Group of Inwrance Companies Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount (5500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Acoderrt MAXIMUM LIMB OF INSURANCE: ff more than one Iruured Person wffers a Loss in the same Accident, the Company wi6 not pay more than the maximum limit of insurance (420,000,000) per Accident If an Accident results in Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of inwrance shown above, the maximum limit of inwrance will be divided proportionally among tfie hwrced Persona, based on each applicable Benefit Amount In the event of muhiple Accdental deaths per Account arising from any one Accdent, the Comparg/s liability for all such Losses will be limited to a maximum limit of insurance equal to two times the appliable Benefit Amount for Loss of life. Benefits will be Proportionately divided among the Insured Persons up to the maximum unit of inwrance. DEflNR10N5: Acddent or Accdental means a sudden, unforeseen and unexpected event happening by charx:e, and includes unavoidable expowre to elements arising from a corered Hazard. Acddental Bodilvsjurvfresl means bodily injury which a Accdental, is the direct source of a Loss, is independent of diseaze, itlness or other cause and oaurs while this policy is in force. A crwM means a Card account Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account means the Discover Card. Cardmember means the holder of the Card whose name appears on the credit card. Comoanv means the Federal Insurance Company. red Tri means travel on a Scheduled Airvaft when the entire cost of the passenger fare for wdh transportation, lea redeemable certificates, vouchers a coupons, has been dharged to tthe Irhwred Person4 Account _tg_ tODCMO_02BOI~TL22H0210_01363_readecindd 21-22 nil ~n means those children, inducting adopted chi dren and those driklren placed for adoption, who are primarily dependent upon the Inwred Person for maintenance and support and who are: (1) under the age of 19 and reside with the Inssured Person; (2) beyond the age of 19, permanently mentally or physically drallenged and irxapabM of self suppork or (3) under the age of 25 and classified as fu6-time students at an institution of higher teaming. means a person who: (1) is at least 18 years of age and competent to enter into a contract; (]~ is not related to the Insured Person by blood; (3) has exclusively I'rved with the Insured Person for at least one year prior to the date of enrollmer~ (4) is not legally married or separated; and (5) as of the date of enrollment, has with the Inwred Person at least two of the following finandal arrangemerds: (a) a joint mortgage or lease; (b) a joint bank account; (~ joint title to or ownership of a motor vehicle or status as a jant lessee on a motor vehicle lease; or (d) a joint vedit card account with a finandal irotitution. Neither the Insured Person nor the Domestic Partner can be married to, nor in a civil union with, anyone ehe. Hazard means the covered circumstances for which this inwrance is Provided as stated in SeRion NI of the Declarations, Hazards, and described m the Hazards form, as desvibed on page 1 of this Description of Coverage. Insured Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account ~ means the toss of Life. loss of Life means death, including clinical death determined by the local governing medical authorities. Pol' older means DFS Servkes LLB the entity resporuible for the payment of premium Scheduled Aircraft means an aircraft owned and/or operated by a kheduled Airline. kheduled Airl'me means an airline which is either of United States registry and certified by the United States government to carry pa ers on a regularly scheduled basis or of foreign register and approved by the Unked States government and the appropriate foreign authority. 11~ means hostilities following a declaration of War by a government authority. N tfiere is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFITS: ff the Insured Person has rat been found within one year of the discppearance,stranding, sinking, wredrirg or breakdown of any Scheduled Aircraft or wnveyano in which the Inwred Person was covered as an ocarpant, it will be aswmed, wbject to ap other terms of the poky, tfiat the Irrarred Person has suffered Loss of l.rfe mvered under this poli~r. EXPOSURE BENEFITS: Auident includes unavoidable exposure to elements arising from a covered Hazard. ELIGIBILITY: This insurance plan is provided to Inwred Persons automatically when the entire cost of the passenger fare(s) on a Scheduled Airline n dutrged to the Cardmember's Account while the insurance is effective. It is not necessary for you to notify the Policyholder or the Company when kheduled Airline tickets are purchased. EFFECTIVE DATES: Your insurance under this insurance plan is effeRive on the later of: 1) April 1, 2007; or 2) the date you become an eligible Cardmember. Your insurance coverage under this insurance plan will cease _ tg_ 12/15/09 1:37:06 PM on the earlier of: {1) the date the irsurance coverage is terminated; or (2) the date you cease to bean eligible Cardmember. COST: This insurance plan is provided at no additional cost to eligible Inwred Persons for Covered Trips. Policyholder pays the full cost of the inwrance. THE BENEFICIARY: The Loss of Life benefit will be paid to the benefidaryry designated bbyy you. ff no wch designation has been made, that benefit wn'll be paid to the first wrviving beneficiaryry in the following order. a) your spouse; b) your children; ~ your parents dl your brothers and sisters, e) your estate. All other indemnities will be paid to you. If you wish to change your benefidary, you may request a beneficiary designatron form by writing to the plan administrator at The Direct Marketing Group, Inc, 13265 Bedford Avenue, Omaha, NE 68164 or at Beneficiaryrequest~TheDirectMG.com. EXCLUSIONS: This inwrance plan does not cover Loss resulting from: (1) an Accident occurring while an Insured Person is in, entering, or exiting aarrty1y aircraft owned, leased or operated try this Policyholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to airvaft drartered with pilot or vew on one time charter basis), (2) an acddent while an Insured Person is in, entering, or exitingg any aircraft while aging or training as a pilot or vew member (this exclusion does not apply to passengers who temporarily perform pilot or crewfunctions in a lifethreatening emergenry); l3) emotional trauma, mental or physical illness, disease, pregnanry, childbirth a miscarriage, bacterial a viral infection, or bodily maHunctions (except bacterial infection caused by an Atddent or from A¢idental consumption of a wbstance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is interrtionallywlf-inflicted; or (5) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the oaurrerce of any Loss covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid daim'rf notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a daim, the Comparryr will send you forms fir giving proof of loss to us within 15 days. H you do not receive the forms, you should send the Company a written desvipiion of the Lou. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Lou, or as soon as reasonably possible. Failure to give complete proof of Lou within these time frames will not invalidate any otherwise valid daim if notice is given as soon as reasonably pouible and in no event later than one year after the deadline to submit complete proof of Loss. CLAIM PAYMENE The Company will pay you or your beneficiary the applicable Benefit Amount wnthin 60 days after compplIete proof of loss is received and if you, the Policyholder andlor the beneficiary have complied with all the terms of the polity. ARBITRATION: In the event of a dispute under this policy, either the Comparry or the Insured Person may make a written demand for arbitration. In that rase, the Company and the Inwred Person will each select an arbitrator. The two arbitrators well select a third. ff they pnrat agree within 15 days, either the Company or the Insured Person may request that the dwice of arbitrator be submitted to the Ameripn Arbitration Assodation. The arbitration will be held in the state of the Inwred Person's principal residence. _20_ IF YOU HAVE ANY CLAIM RELATED QUESTdONS, PLEASE CALL THE CWMS SERVICE CENTBt AT 1-S00-CLAMS-0 (1-B00-252J670). You can oho go to the Company Web site (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a daim by mail or fax. Mad'ing Address CHUBS GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 233271700 Fax Number: 1-800.300-2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of inwrarKe but k a wmmary of the prndpal provisions of the insurance while in effect Complete policy provrsrorls are contained in the Master Policy, which can be obtained from the Pol'cyhokler. Policy #990f.18-06 Pol'~ty Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc a member inwrer of the 13265 Bedford Avenue Chubb Group of Inwrance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, N107061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discovers Cardmembers can benefit from the securrly and safety offered through Excess Cogaion Damaaggee Waiver, ff you rent a vehicle for 31 consecutive days or less (or 45 da under certain dreumstances described below) with gar Card (as defined below), you may be eligible for benefits under this coverage. Excess Collision Damage Waiver rs an inwrance program, underwritten by Federal Inwrance Corrrparry Policy fi990G-17~b3 (the "Policy'). DEFINITIONS: Aaou means a Card account Actual Cash Value means the cost to repair or replace the Rented AutomobiM at the time of loss, leu depreciation. Caidnlember means the holder of the Card whose name appears on the vedit card Grd means the Dscover Card. Colision Damage means the direct and accidental damage to a Rented Automobile posed by upset or cogision with another object Collision Damage does not include loss caused by miuiles, faging objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malidous mischief or varxdalsm, riot or dull commotion. S9ID~agC means the Federal Insurance Company. lrls r~ means Cardmembers and authorized users of the Account. Pori~hQl~e means DFS Services LLC, the entity responsible for the payment of premium. Rental Acencv means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automobile means afour-wrheeled prdvate passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to prry passengers. A Rented - 27 - 10DCM0_02BOI~TL22H0210_01363_reader.indd 23-24 12/15/09 1:37.06 PM Automobile must be designed for travel on public roads and rented from Rental Agerxy. TO GET COVERAGE: • The Collision Damage waiver Coverage a provided to yoµ as an Insured, automatiwlk when the entire rerrtal fee for the Rented Automobile is charged or ited to your Aaount R is not necessary for you to notify the Company at the time the rental fee is charged or debited to your Account • You must decline the LosslDamage Waiver offered by the vehicle Rental Agency. • You must rent the vehide in your own name and sign the vehicle rental agreemenUconVact • The coverage period will not exceed 31 consecutive days, or 45 consecutive days rf the Insured is an employee of an organization which has provided a Card to the Insured for business use. THE KWD OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Policyholder az required, and subject to all the terms of the Poligy the Company agrees to reimburse on an Actual Cash Value basis either the Inwred or the Rerrtal A~erKy for repair or replacement of the Rented Autortabile az a rewh of CoBisron Damage to the Rerited Automobile. The Company's liability will be for a maximum reimbursementof X25,000. m no eventwiB the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency. • K you or an Inwred's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your. deductible and arty other eligible amounts not covered by other insurance. • This coverage is not alNrxlusive, which means it does not cover such things az personal in11'urryy or personal liability. K does not coveryou for any damages to other vehicles or properly. tt does not cover you for any injury to any party. WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Offtoad, antique or limited edition motor vehicles tnxkr, recreational vehicles, campers, pickup trucks, and mini-buses limited edition motor vehicles or high value, exotic, hgh performance or collector type. Hr'gh value motor vehicles are motor vehicles whose replacement value exceeds f50,000, and antique motor vehicles are defined az any vehide over 25 years old, or any vehide which has not been manufactured for 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented arrywhere in the world. • Coverage is not available where prohibted bylaw. WHAT IS ~ COVERED: Coverage does not apply to loss rewking from the following: • Any dishonest, fraudulent or criminal ad of the Insured. • Forgery by the Insured. • Loss due to war or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination. • The Insured being intoxicated, az defined by the laws of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physician. • Use of the Rented Automobile to carry passengers and property for hire. • Use of the Rented Automobile by a person other than the one authorized -22- iDDCMO_02BOK_R22H0210_01363_reader.indd 2526 to operate the Rented Automobile by the terms of the Rental Agreement • Loss of use of the Rented Automobile. • Intentional damage to the Rented Automobile by the Insured. • Damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure. • Damage to tires unless the loss is coincident with a covered loss. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESENTS: To the extent that this plan provides insurance against damage to a rented motor vehide, the folkwving terms and conditions ~ (1) the period of insurance coverage wiB not exceed 31 corsecutive or 45 consecutive days'rf the Insured is an empksyee of an organvation Kh has provided the Card to the Ir~ured for business use; and {2) the insurance prodded this plan will be excess over arty other valid and collecU'ble inwrance coven" g the Rented Automobile. However, the inwrance provided under this plan may be primary if spedficapy provided fw under the terms of this plan and 'rf the following criteria is met (a) the Rented Automobile a rented fir use outside the United States, its territories and possessions Ib) the Insured is an empk»ree of an ~rganizatan which has provided the Card to the Instxed for business use; anrJl (~ the Rented Automobile is rented without a driver. HOW TO FILE A CLAIM UNDER EXCESS COL11510N DAMAGE WAVER: In the event of a daim, written or verbal notce must be provided az soon az reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SER1fICE CENTER AT 1-800-CLAMS-0 (1-&10252.1670). You can also go to the Company Web site (www.dHJbbcom), d'x:k on Report a loss, select Ataderrt, Benefits and Life claims, selectthe appropriate forrr4 prirrt out the daim form, fdl out and mai. You can file a daim by mail ar fax. Ma~irg Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS $ERVK~ CENTER fiOD INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number. 1-800-3002538 CLAIM PROCEDURE: The lswred must send the Comparry written notice of a daim, inducting the Inwred's name and Polity number, within 90 days after a covered kra occurs. H notice cannot be given within that time, it must be given az soon az reasonably possible To file a sworn Proof of Loss, the Insured must send ttre following information to the Comparry or its authorized representative: • A mpy of the Accourt statement showing the automobile rental traruactiort A copy of the automobile rental agreement • A copy of the police report. • A copy of the initial daim report submitted to the automobile Rental AgerKX • A copy of the paid daim presented by the automobile Rental Agency for the Collision Damage for whidi the Inwred is responsible. • Proof of submission of the loss to, and the resuks of any settlement or denial by the applicable insurance carrier(s). • If no other insurance is applicable, a notarized statement from the Insured to that effect 23 - 12/15A9 1 ~7A6 PM Reminder. Pleaze refer to the Insurance Drsdosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of inwrance but is simply an informative statement to e{igibk Insureds of the principal provisions of the inwrance whik in effect Complete provisions pertaining to this plan of iruurarrce are mrrtained in the master poky on fik with DFS Services LLC, herein referred to az the Policyholder. H a statement in this Summary of Coverage and any provision in the policy d-dfer, the polity will govern. Policy Underwritten By Plan Administrator Federal Insurance Company ( Company") The Direct Marketing Group, Inc a member of the" 13265 Bedford Avenue Chubb Group of Irrwrance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, N107061-1651 Master Policy Number. 9906.17-63 Effective date of benefits: EffeRive April 1, 2007, this gguide replaces aN prior disclosures, p m descriptiorls, advertising, arrrUor brodwres by any party. Po{'icyhofder and Company reserve the right to drange the benefits and features of these prograns at any time. CanceNation: Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. ff Policyholder does cancel these benefits, you will be nofrfied at least 60 days in advance.If the Companyterminates, cancek, or chooses notto renewthe coverage to Policyholder, you will be noted az soon az k practicable, Inwrance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. fmandal institutions. The United States is defined az the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Vrgin Islands. No person or entity other than the Cardmember shall have any legal or equitable right remedy, or claim for insurance proceeds arldlor damages under or arising out of this coverage. These benefits do not apply ff your Card ivileges have been cancelled. However, inuronce benefits vviR stiN apply four arty benefit you were eligible for prior to the date that your Aaount is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits: No rights or benefits provided under these inwrance benefits may be assigned widrout the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured will be void'rf, at any time, the Insured haz concealed or misrepresented-any material faR or circumstance concerning this coverage orthe subject thereof orthe interest of the Insured herein, or in case of arty fraud or false swearing by the Insured relating thereto. Coverage for an Itnsrred wiN be void if, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or misrepresented any material fact or circumstance concerning this coverage or the wbject thereof or the interest of the Insured therein, or in case of any fraud or fake swearing by the Policyholder or its subsvibing organization(s) relating hereto. -24- 10DCM0_02BOiLTL22H0210_01363_reader.indd 27-28 Addition of New Insureds: All eligible persons will be automatically inwred under this Policy. Examination Urrder Oath: R is a condhan of thk insurance that the Irrsured and the Polighokfer, az often az may be reasonably required by the Company, wrl submit and within its power cause rs to wbmit to examinatioru under oath and will produce for examinatron aN writirx~s, books of account bilk, invoices and other lrouchers, or certified copies thereof if originak are lost, at such reasonable time and place as may be designated by the Comparry or its represerrtatrve, and will pennk extracts and copies thereof to be made. No such examination under oath, examination of documents or arty other act of the Company, its empbvees or representafrves in connection with the investigation of arty loss or claim will be deemed a waiver of any defense and wdr acts shall be deemed to have been made or done without prejudice to the Compary/s Lability. No Benefit to Odlers: Thk coverage will in noway inure directly or indirectly to the benefit of any usurer, person or organization or other bailee. Subrogation: K is a condition of thk inwronce that if the Comparry pays the Insured for a loss, it will require the Irrwred to assign and transfer any claim or right of action aggainst any individual, fine or corporation for such loss to the Company or wbrogate or hold in trust atl wch rights to the extent of the amount paid. The Irsured wiU agree to take action az requested by the Company to enforce such rights. Upon payment by the CompariY to the Inwred, the Insured agrees to direct enforcement of wch rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of Ions has been made by the Company. Arbitration: In the evert of a dispute under this policg either the Company a the Mwred may make a written demand for arbitraton. M that case, the Company and the ksured will each select an arbitrator. The two arbitrators wiN select a third.'rf they cannot agree within 15 days, either the Company or the Irsured may request that the droice of arbitrator be submitted to the American Arbitrator Association. The arbitration wiN be held in the state of the Inwred3 prndpal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDI110N5 The Global Traveler's Ratline provides Cardmembers and their families a wide range of free travel asistance benefits. ft k operated by AXA Assistance USA, Inc Wait D'scovercardconVtravel to learn more. EligihNity. You must be a Cardmember whose Account k in 1~ood standing, the Cardmembers spouse or dependerit child traveling with the Cardmember or an Authorized User of an Account in good standing. Third-Party Charges. Gobal Travelers Hotline a not insurance, so you will be responsible for aN third-pa fees and expenses for services requested, such az professional or medical fees. AvaNabNity of Services. Certain services may not be available in all areas. Call. us at 1-BOU~DISCOVER (1-81111.347-2683) for azsisWrrae or 'rf you have questions about a specific destinatwn. Outside the U.S, call us collect at 1-801-40Z 3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Dscover Bank a our respective affiliates wiN be Nable if a service is not provided or for arty services that are provided by third parties. The sennices aril these terms and condtiors are wbject to dlange without notice. -25- 12/15/09 1:3797 PM ~~,~'••.'~~~ $1,748.80~~ $35.00 ~r~ v vVV~ Enter Amount Enclosed Below vv, _.__. _ -- Payment Due Date ~ ~ -~ December 18, 2007 please make check payable to Discover Card or ~,,,• ~' pay online ~ Discovercard.com. 19 SDSN6At)1 0007825 ~ ~ DEBRAGANZA, EVA G Go paperless and make your account information more secure with password- 407 SCOTT DR protected statements only you can access. SHIPPENSBURG PA 17257-2168 ~ Learn more at discover.com/paperless. t PO BOX 71084 ~~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes Print change in space ~~~~~~~~~f~~~~~~~~~~~~~~~I~~~~~~~~~~~~~~~~~~~~I~~~i~~~~Ii'gill above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458227761679017488000000000003500 Discover More Card Account Summary Closing Date: November 19, 2007 page 1 of 2 Account number ending in 0569 Previous Balance $0.00 Payment Due Date December 18, 2007 Payments And Credits .0.00 Minimum Payment Due $35.00 Purchases + 1,748.80 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $8,251.00 Balance Transfers + 0.00 Cash Credit limit $5,000.00 Finance Charges + 0.00 Cash Credit Available $5,000.00 New Balance = $1,748.80 You may be able to avoid Periodic finance Charges, see the reverse side for details. Cashback Banus® Cashback Bonus® Anniversary Month: October Opening Cashback Bonus Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus-Balance $ 4.36 - 2.28 $ 4.36 Cashback Bonus(R) is America's #1 Cash Rewards Program) Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 %Cashback Bonus on all your other purchases. How Can We Hef YOU? 1. Visit Discover.com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more lt'S your choice - 3 ways to help 2. Call 1-8oaDISCOVER (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) sea reverse side Salt Lake Cify, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dais Date Merchandiae/Retail Nov 2 Nov 2 BATH&BODY HAGERSTOWN MD $ 54.60 Nov 3 Nov 3 RUE 21 331 HAGERSTOWN MD 35.72 - - Nov 3 Nov 3- -PACSUN OUTLET #1112 HAGERSTOWN MD 155:36 Nov 10 Nov 10 COACH 00047019 HAGERSTOWN MD 300.72 Nov 14 Nov 1 d WAL-MART SC - #5358 SHIPPENSBURG PA 319.49 Warehouse Clubs Nov 17 Nov 17 SAMS CLUB - #8193 HAGERSTOWN MD 456.60 Department Store Nov 3 Nov 3 MACY*S EAST #0159 BALTIMORE MD 425.31 Information For You Knowing your credit score makes a difFerencel Discover's new Credit ScoreTracker provides easy to use tools so you can understand your credit rating and help you reach your financial goals. Visit Discovercard.com/CreditScoreTracker to enroll. Wish you could sort these purchases by amount, description or category8 You can - reyisfer at Discovercard.com to view VISC.~ _~~?YtK ~r pays ro ~~---Dl5C-~EI~=-_i Account number ending in 05b9 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for if to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobiVe phone. • Print o paper copy of your statement anytime. _ ~,--r Sign up today at FI' Discover•com/paperless Rr ®2009 Discover Bonk, Member FDIC Closing Date: November 19, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding A NNUAL PERCENTAGE RATE: 5.90%. Rafe 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 G~iARGES CHARGES current billing period: 31 days Purchases $0 0.04586% 16.74% V 16.74% $0 $0 Promotional Purchases $0 0.00521% 1.90° F 1.90% $0 $0 Cash Advances $0 0.062999'° 22.999'° F 22.999'° $0 $0 previous billing period: 30 days Purchases $0 0.04586% 16.74% V 16.74°'° $0 none The rags that aAAb t9.1't:Y~ ~a4RlYnt t~,~,~it~1,f„,fyl ,(Fl er they. mar vary N) as note! a~stw. ~:~ QU@StlOns? Manage your account at Discover.com or ..~...,.,,....~.. ......,..,~......,.,,..,.. ,.~.. I . ,......~,....~ ..............,..~ .......... ~r~-~:.' ~ $7,075.05 I $175.00 __ `~ Enter Amount Enclosed Below L_.--_____.___... _. __ Payment Due Date January 1$, 2008 please make check payable to Discover Card. Minimum payment due includes a past due amount of $35.00. 19 SDSN8A01 0007828 DEBRAGANZA, EVA G Go paperless and make your account information more secure with password- 407 SCOTT DR protected statements only you can access. SHIPPENSBURG PA 17257-2168 Learn more at discover.comlpaperless. PO BOX 71084 III"rll""r'lll'I"II"'I CHARLOTTE NC 28272-1084 Address, a-mail or telephone change8 Print change in space I~~I~~I~~I~~~I~Ilii~l~~l~liiillll~iil~iliili~lliilii~iililiill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458227761679070750500000000017500 Discover More Card Account Summary Closing Date: December 19, 2007 page 1 of 2 Account number ending in 0569 Previous Balance $1,748.80 Payment Due Date January 18, 2008 Payments And Credits - 0.00 Minimum Payment Due $175.00 Purchases + 5,248.44 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $2,924.00 Balance TransFers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 77.81 Cash Credit Available $2,424.00 New Balance = $7,075.05 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 4.36 New Cashback Bonus This Period 53'o Cashback Bonus + 8.32 Everywhere Else + 35.73 Cashback Bonus® Since-Anniversary Month Cashback Bonus Balance $ 48.41 October: $48.41 How Can We Het 1 OlJ? 1 • Visit Discover.com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for Fast, easyselFservice Please have our Discover Card available. options or to speak with a Customer Service Account Manager y 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 Liabilify Guarantee Use your Discover Card with confidence. Trans. Post Data Date Merchandise/Retail Nov 20 Nov 20 LANE BRYANT MECHANICSBURGPA Nov 21 Nov 21 WAL-MART SC - #5358 SHIPPENSBURG PA Nov 21 Nov 21 WAL-MART SC - #5358 SHIPPENSBURG PA Nov 22 Nov 22 WAL-MART SC - #5358 SHIPPENSBURG PA Nov 25 Nov 25 BONAVENTURE CLUB LOS ANGELES CA Nov 26 Nov 26 KIM'S MERCHANDISE SANTA MONICA CA Dec 4 Dec 4 TARGET CHAMBERSBURG PA Dec 4 Dec 4 LANE BRYANT MECHANICSBURGPA - ~ - -- - - Dec 5 Dec-5 - ZALES JEWELERS CHAMBERSBURG PA Dec 6 Dec 6 TARGET CHAMBERSBURG PA Dec 8 Dec 8 HARRY AND DAVID M/O 800-345-5655 OR Dec 8 Dec 8 LANE BRYANT MECHANICSBURGPA Dec 10 Dec 10 WAL-MART SC - #5358 SHIPPENSBURG PA Dec 11 Dec 11 MATTHEW'S HALLMARK #20 CHAMBERSBURG PA Dec 1 1 Dec 1 1 WAL-MART SC - #5358 SHIPPENSBURG PA Dec 16 Dec 16 ZALES JEWELERS CHAMBERSBURG PA Dec 16 Dec 16 CIRCUIT CITY #4144 CHAMBERSBURG PA Dec 18 Dec 18 WAL•MART SC - #5358 SHIPPENSBURG PA Restaurants Nov 26 Nov 26 CHEESECAKE LOS ANGELES LOS ANGELES CA Dec 4 Dec 4 CHINA HOUSE SHIPPENSBURG PA Other/Miscellaneous Dec 19 Dee 19 LATE FEE Trawl/l;ntsrtainmertt Nov 23 Nov 23 REGAL VALLEY MALL 16 HAGERSTOWN MD Nov 25 Nov 25 WESTIN BONAVENTURE HTL F LOS ANGELES CA 486.00 109.56 49.49 51.24 330.00 84.35 101.12 133.00 530.00 243.57 429.52 107.00 173.23 98.05 107,60 568.41 329.95 107.03 52.28 28.57 39.00 85.50 98.60 ~i~C;l~:;~'0/ tK _D1SG~l~R.~ Account number ending in 0569 Get added security with no paper trait Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. Sign up today at Discovercom/paperless ~;' c~2009 Discover Dank, Member FDIC Closing Date: December 19, 2007 page 2 of 2 Services Nov 21 Nov 21 ROTO ROOTER LEMOYNE PA 456.00 Supermarkets Dec 4 Dec 4 WEGMANS #45 SE 1 MECHANICSBURGPA 100.17 Dec 5 Dec 5 GIANT FOOD #061 SHIPPENSBURG PA 139.51 010001 Dec 6 Dec 6 GIANT FOOD #061 SHIPPENSBURG PA 101.36 010004 Dec b Dec 6 GIANT FOOD #061 SHIPPENSBURG PA 45.33 010005 Department Sroro Nov 23 Nov 23 MACY*S EAST #0195 HAGERSTOWN MD 63.00 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. For this holiday season, give a Discover(R) Gik Card and let them choose something that's just right. Discover GiR Cards ore now available at many retail locations. Visit Discovergiftcard.com/shop to Find a retail location near you. To purchase your Discover Gik Card online, visit Discovergikcard.com Finance Charge Summary Balance Transfer offer for currant billing period: Daily Periodic Rate: 0.054779'°; 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 o c Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.054779:° 19.999'° F 19.99% $0 $0 Promotional Purchases $4680.10 0.054779'° 19.99% F 19.999'° $76.89 $0 Cash Advances $0 0.06299% 22.999'° F 22.99% $0 $0 previous billing period: 31 days Purchases $0 0.04586°/.0 16.74% V 16.74% $0 none Promotional Purchases $573.49 0.00521 % 1.90% F 1.90% $0.92 $0 The rata that apply to your Atestrnt 4t~ tither fixed (F) dr they may vary (V) as noted above. QlfeSttonS? Manage your account at Discover.com or $7,713.97 $23A.00 ~ Enter Amount Enclosed Below Payment Dve Date February 18, 2008 please make check payable to Discover Card. Minimum ayyment due includes a past due amount oFp$75.00. 19 SDSN6A01 0007827 DEBRAGANZA, EVA 407 SCOTT DR SHIPPENSBURG PA G 17257-2168 Go paperless and make your account Information more secure with password- protected statements only you can access. Learn more at discover.coMpaperless. PO BOX 71084 fff"'ff""iifffrf"ff"'f CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space I~~f~II~~I~~~I~II~~~I~~f~l~~~~'I'~~~'~~f~~`~~Ifi~~~~I~~l~l~~f~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OOD001986458227761679077139700100000023400 - ..._ Discover More Card Account Summary Closing Date: January 14, 2008 page 1 of 2 Account number ending in 0569 Previous Balance $7,075.05 Payment Due Date February 18, 2008 Payments And Credits - 100.00 Minimum Payment Due $234.00 Purchases + 545.12 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $2,286.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Chargss + 143.80 Cash Credit Available $2,286.00 New Bolonce = $7,713.97 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 48.41 New Cashback Bonus This Period + 5.56 Cashback Bonus® Since-Anniversary Month October: $53.97 Cashback Bonus Balance $ 53.97 How Can We Help You? 1 • Visit Discover.com to pay your bill For no cost, view your latest Account information, earn and redeem rewards and more ft's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for ktst, easyself-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 Dats Date Payments and Gedits Dec 22 Dec 22 PAYMENT -THANK YOU $ -100,00 Merchandise/Retail Dec 20 Dec 20 JOHN'S HALLMARK SHOP HAGERSTOWN MD 97.05 Ocher/Miscellaneous Jan 19 Jan 19 LATE FEE 39.00 Gasofins Dec 19 Dec 20 TURKEY HILL #283 Q69 SHIPPENSBURG PA 65.07 Services Jan 8 Jan 8 ROTO ROOTER LEMOYNE PA 394.00 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Wish you could sort these purchases by amount, description or category8 You can -register at Discovercard.com to view ~0~~.~ ~~~/~1~ u pays ro i ~..~., ,.,. ,~ . ... ... L ,~~~R__; ___I Account number ending in 0569 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 2d months of downloadable, printable statements. • See your statement os soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime, Sign up today at ', Discovercom/paperless ~. ®2009 Discrner bank, Ahember FDIC Closing Date: January 19, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.06299%; corresponding ANNUAL PERCE NTAGE RATE: 22.99`Y°. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $39.37 0.062999'° 22.499'° F 22.999'° $0.77 $0 Promotional Purchases $7325.25 0.062999'° 22.999'° F 22.99% $143.03 $0 Cash Advances $0 0.068479'° 24.99% F 2d.999`° $0 $0 Th,. rgt~s thet;~~wt(trart A~tlMwtt ere sither first (F( isr thstr may varyr (V) ®e nsts+d ®Iro~e, QUeStIOnS~ Manage your account at Discover.com or _. $7,630.24 5166.00 j Enter Amount Enclosed Below Payment Due Date $ ~---~ March 18, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. 19 SDSN6A01 0007828 DEBRAGANZA, EVA G Go paperless and make your account information more secure with password- 407 SCOTT DR protecteds#atementsonlyyoucanaccess. SHIPPENSBURG PA 17257-2168 Learn more at discover.com/paperless. PO BOX 71084 IIl.rrll"""111'1..11"'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print change in space I~~I~II~~I~~~lill~~~l~il~l~~~f111~~~1~il~~l~~f1~~l~~l~~1~1~~11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458227761679076302400234000016600 .~ Discover More Card Account Summary Closing Date: February 19, 2008 page 1 of 1 Account number ending in 0569 Payment Due Date March 18, 2008 Minimum Payment Due $166.00 Credit Limit $10,000.00 Credit Available $2,369.00 Cash Credit Limit $5,000.00 Cash Credit Available $2,369.00 Previous Balance $7,713.97 Payments And Credits - 234.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 150.27 New 8olance = $7,630.2.4 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Cashback Bonus® Since Anniversary M6nifi October: $53.97 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. Opening Cashback Bonus Balance $ 53.97 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 53.97 How Can We He) You? 1 • Visit Discover.com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) For Fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Solt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Feb 8 Feb 8 PAYMENT -THANK YOU $ -234.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CI~RGES CHARGES current billing period: 31 days Purchases $79.52 0.062999'° 22.99% F 22.499'° $1.55 $0 Promotional Purchases $7616.87 0.06299°'0 22.99°'° F 22.99°'° $148.72 $0 Cash Advances $0 0.06847% 24.99% F 24.99°'° $0 $0 The rates that apply to your Aeeount are either fixed (F) or they may wry (V) as noted above. Wish you could sort these purchases by amount, description or category$ You can - register at Discovercard.com to view c p IVtlW DUIUIILO ~.~~~~~~~~„~~~ ~ „r„~a~~~ ~~o ®'JCrF.:~VER $7,898.78 ~ 5341.00 Payment Due Date April 18, 2008 19 SDSN8A01 0007829 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 Address, e-mail or telephone changer Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below Please make check payable to Discover Card. Minimumpaymeat due includes a past due amount of $166.00. Go paperless and make your account information more secure with password- prokected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28jj272-10j84 'I II IIIII'IIIII'lllll llll~I IIIII~111I11I111111I11I11Illllllll) 000001986458227761679078987800000000034100 Discover More Card Account Summary Closing Date: March 19, 2008 page 1 of 1 Account number ending in 0569 Previous Balance $7,630.24 Payment Due Date April 18, 2008 Payments And Credits 0.00 Minimum Payment Due $341.00 Purchases + 109.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available 101.00 $2 Balance Transfers + 0.00 Cash Credit Limit , 000.00 $5 Finance Charges + 159.54 Cash Credit Available , $2,101.00 New Balance $7,898.78 You may be able to avoid Periodic finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 53.97 New Cashback Bonus This Period + 0.70 Cashback Bonus Balance $ 54.67 Cashback Bonus®-Since Anniversary Manth October: $54.67 How Can We Help You? 1. Visit Discover.com to a our bill for no cost, view our latest Account informationyearn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1.800.DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Other/Miscellaneous Mar 19 Mar 19 LATE FEE $ 39.00 Travel/Entertainment Mar 12 Mar 12 PTC EZ PASS CSC HARRISBURG PA 70.00 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ian s Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $81.13 0.071213'° 25.99° F 25.99°!° $1.68 $0 Promotional Purchases $7645.02 0.07121 % 25.99% F 25.999'° $157.86 $0 Cash Advances $0 0.07668% 27.99% F 27.999'0 $0 $0 Th. rata that apply to seer +~eseunt er..et,•r filed (F) ear thry mesy vary (W) ae noted above. r ~ ,. ~ ............~..... ~ ......~~....~.~ ... J~.w......,.. ~~~L -.. • ~~ $8,134.5b I $553.00 Payment Due Date May 18, 2008 t 9 5DSN6A01 0007830 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. ,. . ,.,~ .,y . ....,.. Enter Amount Enclosed Below ~~ Please make check payable to Discover Card. Minimum payyment due includes a past due amount ofp$341.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illrrrll"""111'lrrll...I CHARLOTTE NC 28272-1084 Ir~l~ll~rlr~~l~llrr~lrrl~lrr~llil~r~i~rl,rlr~ll~~lr~lr~lrl~~ll 000001986458227761679081345600000000055300 Discover More Card Account Summary Closing Date: April 14, 2008 page 1 of 1 Account number ending in 0569 Previous Balance $7,898.78 Payment Due Date May 18, 2008 Payments And Credits - 0.00 Minimum Payment Due $553.00 Purchases + 39.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $1,865.00 Balance Transfers + 0,00 Cash Credit Limit $5,000.00 Finance Charges + 196.78 Cash Credit Available $1,865.00 New Balance = $8,134.56 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback 8onus® Opening Cashback Bonus Balance $ 54.67 New Cashback Bonus This Period + 0:00 Cashback Bonus Balance $ 54.67 Cashback Banus® Since Anniversary Month - - - October: $54.67 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-SOO•DISCOVER (347-2683) For Fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dais Other/Miscellaneous Apr 19 Apr 19 LATE FEE $ 39.00 {nformation For You * * * ATTENTION * * * We previously requested the past dve amount on your account. We have no record of receiving payment. The amount due should be paid of once. 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 $122.45 0.079429'0 28.4990 F 28.999'0 $3.01 $0 Promotional Purchases $7871.15 0.079429'0 28.99% F 28,999'0 $193.77 $0 Cash Advances $0 0.07942% 28.9990 F 28.999'0 $0 $0 The rates that apply ro your Account are either fixsd (F) or they may very (V) es noted above. VIJ~i'~o;:_,'V`K $7,769.65,.0 19 SDSN6A01 0007831 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 $204.00 __ _ _ ~ Enter Amount Enclosed Below Payment Due Date June I8, 2008 Please make check payable to Discover Card or pay online ~ Discovercard,cam. Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and specie{ offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.coMpaperless. PO BOX 71084 ~Ilnrl~ruru~llr~nllnrl CHARLOTTE NC 28272-1084 ~nlrllnlni~r~~ni~u~rlni~~~~ni~n~n~n~lu~ulnli~n~l 000001986458227761679077696500553000020400 Discover More Card Account Summary Closing Date: May 19, 2008 page 1 of 1 Account number ending in 0569 Previous Balance $8,134.86 Payment Due Date June 18, 2008 Payments And Credits - 553.00 Minimum Payment Due $204.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $2,230.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Financs Charges + 188.09 Cash Credit Available $2,230.00 New Balance = $7,769.65 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CashbQCk Bonus® Opening Cashback Bonus Balance $ 54.67 New Cashback Bonus This Period + 0.00 Redeemed This Period - 54.67 Cashback Bonus® Since Anniversary Month Cashback Bonus Balance $ 0,00 October: $54.67 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? 1 • Visit Discover.com to pay your bill kr no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cali 1-800-DISCOVER (347.2683) for fast, easy selFservice Please have our Discover Card available. options or to speak with a Customer Service Account Manager y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Snlt Lake City, UT 84130 Transactions $0 Fravd Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dats Payments and Crodits May 2 May 2 PAYMENT -THANK YOU $ •553.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARG S current billing period: 30 days Purchases $164.90 0.07942%° 28.499'° F 28.49% $3.93 $0 Promotional Purchases $7729.97 0.07942% 28.999'° F 28.99%° $184.16 $0 Cash Advances $0 0.07942% 28.99°I° F 28.99% $0 $0 The rates that apply to your Aecount on either Fixed (F) or thty may vary Nl as noted above. ®f~~r~.....'V ~K $8,002.24_., 19 SDSN6A01 0007832 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 $413.00 __, _~ Enter Amount Enclosed Below Payment Due Date July 18, 2008 Please make check payable to Discover Card. Minimum pa ment due includes a past due amount of $204.00. Go paperless and make your account information more secure wrath passwrord- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 i~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space '~~'i)~~~I~~~)~I~~~~~~~'~~~~~~~~~~~~~~~f~~~~~~~~~~~~)~~~~~~~)~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019864582277616790800224D0000000041300 Discover More Card.Account Summary Closing Date: June 14, 2008 page t of 1 Account number ending in 0569 Previous Balance $7,764.65 Payment Due Date July 18, 2008 Payments And Credits - 0.00 Minimum Payment Due $413.00 Purchases + 39.00 Credit limit $10,000.00 Cash Advances + 0.00 Credit Available $1,997.00 Balance Transfers + 0.00 Cash Credit limit $5,000.00 Finance Charges + 193.59 Cash Credit Available $1,997.00 New Balance = $6,002.24 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback 13onus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus® Since Anniversary Month October: $54.67 Cashback Bonus Balance $ 0.00 How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more ft's your choice - 3 ways to help 2• Call 1-800.DISCOVER (347-2683) for fast, easy self-service Please have our Discover Card available. options or to speak with a Customer Service Account Manager Y 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 Data CMher/Miscellanoous Jun 19 Jun 19 LATE FEE $ 39.00 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Congratulations to they-008-Discover(R) Scholarship Program winners; Destiny Beal, Laura D'Asaro, CaitlymDornel{, Sejal Hathi, Trey Jones, Rebecca Robison, Rhonda Samples, Marilyn Sanchez, Sarah Wooten and Ge Zhang. Each won $30,000 For post high-school education or training. Visit www.Discoverfinancial.com/community to learn more. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE IBa antes Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $7862.92 0.079425'0 28.9990 F 28.993'0 $193.59 $0 Cash Advances $0 0.07942% 28.99% F 28.999'0 $0 $0 The rates that apply to your Aateunt are either fixed (F) or they may vary (V) as noted above ~1SC~..:~'0/ER IS7,775 511ce 19 SDSN6A010007833 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 IV11111111 VIII rVyillplll VUp I /1l.V VUI11 1\1J111Np1 IIUII ItJ l I VVV• $202.00 `~ _ , Enter Amount Enclosed Below Payment Due Date $ ~--~ Augvst 18, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Address, e-mail or telephone changeZ Print change in space above, or go to Discover.com. Print your email address to receive important Account informotion and special offers. Go paperless and make your account information more secure vlnth password- protected statements only you can access. Leam more at discover.com/paperfess. PO BOX 71084 111"'11"""'111'1"II"'I CHARLOTTE NC 28272-1084 InI~11u1u~1~11n~In1~In~1111u~In1u1u11n1u1n1~~u11 0000019864582277616790777551D0413000020200 Discover More Card Account Summary Closing Date: July l9, 2008 page 1 of 1 Account number ending in 0569 Previous Balance $8,002.24 Payment Due Date August 18, 2008 Payments And Credits - 413.00 Minimum Payment Due $202.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advonces + 0.00 Credit Available $2,224.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 186.27 Cash Credit Available $2,224.00 New Balance $7,775.51 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Coshback Bonus This Period + 0.00 Cashback Bonus Balance ~ $ 0.00 Cashback Bonus® Since Anniversary Month October: $54.67 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Con We Help You? It's your choice - 3 ways to help Please have our Discover Card available, y For TDD (assistance for hearing impaired) see reverse side 1 • visit ois<ovar.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2. Call 1-SOaDISCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 30 Jun 30 PAYMENT • THANK YOU $ -413.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $7817.66 0.07942% 28.993'° F 28.99% $186.27 $0 Cash Advances $0 0.07942° 28.99% F 28.99% $0 $0 The rates that apply h Your Aaeeunt en either fixed (f)or they mey very (Y) es noted ebeve. Wish you could sort these purchases by amount, description or category2 You can -register at Discovercard.com to view U6~~.:.'ii' ~~ ~g%ib%i~ y~ 19 SDSN6A01 0007834 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 Go paperless and make your account information more secure v~nth password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~ ~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28272-1084 Address, a-mail or telephone change6 Print change in space I~il~l'~~'ii~I~~)~~~~~~I~~~~~f~~( ~ii~~~~ii~i~I)i~~~i~ii~~~~~I~ above, or go to Discover.com. Print your a-mail address to receive important Account information and specio) offers. 000001986458227761679077671 700200000020700 -- -_ Discover More Card Account Summary -- Closing Date: August 19, 2008 page 1 of t Account number ending in 0569 Previous Balance $7,775.51 Payment Due Date September 18, 2008 Payments And Credits - 200.00 Minimum Payment Due $207.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $2,232.00 Balance Transfers + 0.00 Cash Credit limit $5,000.00 Finance Chargss + 191.66 Cash Credit Available $2,232.00 New Balonce = $7,767.17 You may be able to avoid Periodic F inance Charges, see the reverse side For details. Cashback Bonus® Cashback Bonus® Since Anniversary Month October. $54.67 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). ..,.,.~.,, ,. . ............ . ........... .... .a , . _..... $207.00 ~ __ V, Enter Amount Enclosed Below Payment Due Date $ September 18, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Opening Coshback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 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-D{SCOVER (347-2683) for fast, easy self-service Please have our Discover Card available, y options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Crodits Aug 7 Aug 7 PAYMENT -THANK YOU $ -200.00 Information For You DiscoVer(R) Card proudly supports Junior Achievement; dedicated to teaching K-12 students how to be workforce ready, entrepreneurial, and Financially literate. Contribute your Cashback Bonus(R) to Junior Achievement and Discover Card will add an additional 20%. Visit www.discovercard.com or www.ja.org. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE alances Rates RATES RATES CHARGES _ CHARGES current billing period: 31 days Purchases $7784.58 0.07942% 28.9990 F 28.999e $191,66 $0 Cash Advances $0 0.07442% 28.99% F 28.99% $0 $0 The rates that apply fo your Account pro •ithv fixed (F) or they may vary (V) as noted above. ®~~~(..~:' • File $7,404.63 ~~ 19 SDSN8A010007835 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 „r,.~o~., ., , .e . .,_. $208.00 vV { Enter Amount Enclosed Below Payment Due Date October 18, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. Po sox 71084 Ill~r~llrr~~„lllrl~~ll~~~l CHARLOTTE NC 28272-1084 , Address, email or telephone change$ Print change in space I~~lill~~l~iil~ll~~~l~~l~l~~~llll~~~l~~l~~l~~ll~~liil~ilil~~ll above, or go to Discover.com. Print your e-mail address to receive important Aceount information and special offers. 0000019864582277616?9079046300207000020800 Discover More Card Account Summary Closing Date: September 14, 2008 page 1 of 1 Account number ending in 0569 Previous Balance $7,767.17 Payment Due Date October 18, 2008 Payments And Credits 207.00 Minimum Payment Due $208.00 Purchases + 151.80 Credit limit $10,000.00 Cash Advances + 0.00 Credit Available 095.00 $2 Balance Transfers + 0.00 Cash Credit Limit , $5,000.00 Finance Charges + 192.66 Cash Credit Available $2,095.00 New Balance $7,90d.63 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 1.51 Cashback Bonus Balance $ 1.51. Cashback Bonus® Since Anniversary Monfh- - October: $56.18 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R}. How Can We Help You? 1 ~ Visit Discover.com to pay your bbl for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683} for fast, easy self-service Please have our Discover Card available. options or to speak with a Customer Service Account Manager Y 3, Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Tronsactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Poet Date Date Payments and Crodits Sep 3 Sop 3 PAYMENT -THANK YOU $ -207.00 MerchandiseJRetaii Aug 30 Aug 30 TWX*AOL VOICE SVCS 080 866-265.4415 NY 9.90 M8T10007804276N0 Aug 30 Aug 30 TWX*AOL SERVICE 0808 800.827.6364 NY 21.90 - . - . -. _. _ _. _.. __._ M871~00780427310 - _ _ _........ _ _ _ . . TraveliEnbrtammsnt Aug 20 Aug 20 PTC EZPA5S CSC WEB iVR HARRISBURG PA 50.00 Sep 17 Sep 17 PTC EZ PASS AUTO RE HARRISBURG PA 70.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $7825.26 0.079423'0 28.99% F 28.99% $192.66 $0 Cash Advances $0 0.07942go 28.99% F 28.99go $0 $0 The rata that apply t• your Aeeount are etthar fixed (F) er they mrry vary (V} es noted above. ~'.~L.(._.,.>'Y t~ 59,462.15 ~ $441.00 ~ ~ Enter Amount Enclosed Below Payment Due Date ~ ~--~ November 18, 2008 please make check payable to Discover Cord. Minimum ayymment due includes a past due amount oFp$208.00. 19 SDSN6A010007fi3fi DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. 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 ~~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28272-1084 ~n~~~~u~ni~~~~ui~u~~{n~{~~~ui~n~n~n~~n~u~n~i~n~~ 000001986458227761679099621500000000044100 Discover More Card Account Summary Closing Date: October 19, 2008 page 1 of 2 Account number ending in 0569 Previous Balance $7,904.63 Payment Due Date November 18, 2008 Payments And Credits - 0.00 Minimum Payment Due $441.00 Purchases + 1,840.38 Credit limit $10,000.00 Cash Advances + 0.00 Credit Available $37.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges 217.14 Cash Credit Available $37.00 New Balance = $9,962.15 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 16.77 New Cashback Bonus This Period Cashback Bonus® Since Anniversary Month - October: $72.95 Cashback Bonus Balance $ 18.28 How Can We Help You? 1 • Visit Discovsr.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more lt's your choice - 3 ways to help 2• Call 1-8oaDISCOVER (347.2683) For Fast, easy self-service Please have our Discover Card available. options or to speak with a Customer Service Account Monager y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired see reverse side Sak Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail Sap 22 Sep 22 1.800-FLOWERS.COM,INC. 800.468-1 141 NY $ 103.98 Sep 25 Sep 25 Sep 28 Sep 28 Sep 30 Sep 30 Sep 30 Sep 30 Sep 30 -Sep 30 Oct 1 Oct 1 Oct 5 Oct 5 Oct b Oct 6 Oct b Oct 6 Restaurants Sep 29 Sep 29 Oct 5 Oct 5 Othor/Miacsllaneous Oct 19 Oct 19 Gasoline Oct 7 Oct 7 Services Oct 7 Oct 7 Supermarkets Sep 29 Sep 29 Department Store Oct 4 Oct 4 2502298085 TARGET CHAMBERSBURG PA 142.34 WAL-MART SC - #5358 SHIPPENSBURG PA 164.41 TWX*AOL VOICE SVCS 090 866-265-4415 NY 4.95 M9T10007804276N0 TWX*AOL SERVICE 0908 800.827.6364 NY 10.95 M9T1000780427610 TARGET CHAMBERSBURG PA 314.31 BATH&BODY BALTIMORE MD 175.43 BURLINGTON COAT FACT 599 CHAMBERSBURG PA 134.92 TARGET CHAMBERSBURG PA 162.46 NORLAND AVENUE PHARMACY, CHAMBERSBURG PA 69.49 MEMPHIS BLUES BBQ MECHANICHSBURPA 64.69 CRACKER BARREL OCS CARLISLE PA 83.17 LATE FEE 39.00 RUTTER'S FARM STORE #31 SHIPPENBURG PA 60.00 ATTM*876932842N81 ALPHARETTA GA 222.68 GIANT FOOD #061 SHIPPENSBURG PA 58.42 010057 KOHLS 1156 CHAMBERSBURG PA 29,18 ®ISC~:'~VER ~ u pays ro ~..~., ..., ,~ . ., ~ . , ,. i Account number ending in OSb9 ~____r~t~c.c~1 Get added security with no paper trai) Make your account information more secure with password-protected statements that oniy you can access. • Access up to 24 months of downloadable, printable statements. • See your stotement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ~.. r Sign up today at Discover.com/paperless R' 02009 Discover bank, Member FDIC Closing Date: October 19, 2008 pope 2 of 2 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary 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 $9113.54 0.079429e 28.9990 F 28.999e $217.14 $0 Cash Advances $0 0.079429`0 28.9996 F 28.999'a $0 $0 The rates that a'ply to your ~letount en either Fixed (F) ar they may vary (V) as noted above. QUeStIOnS? Manage your account at Discover.com or ~~e7~'' _.l • ~~ 59,570.93w 5257.00~__~,` .~~ ~ Enter Amount Enclosed Below -, Payment Due Date December 18, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. 19 SOSN6A01 0007837 DEBRAGANZA, EVA G Go paperless and make your account information more secure with password- 4 07 SCOTT DR protected statements only you can access. SHIPPEN5BURG PA 17257-2168 Leammoreatdiscover.comJpaperless. PO BOX 71084 III"'ll"""111'1"IIs„I CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeZ Print change in space I~~I~II~~I~~~l~ll~~rl~~l~~~~~llll~~~l~~l~~l~~ll~~l~~l~~l~l~~ll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458227761679095709300441000025700 --- - - __ Discover More Card Account Summary Closing Data: November 19, 2008 page 1 of 2 Account number ending in 0569 Previous Balance $9,962.15 Payment Due Date December 18, 2008 Payments And Credits 649.00 Minimum Payment Dve $257.00 Purchases + 15.90 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $429.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 241.88 Cash Credit Available $429.00 New Balance = $9,570.93 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 18.28 New Cashback Bonus This Period + 0.03 Cashback Bonus® Anniversary Month: October Cashback Bonus Balance $ 18.31 How Can We Help You? 1 • Visit Diuover.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 X347-2683) 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 4assistance For hearing impaired) see reverse side Salt lake City, UT 84130 Transactions Poymsnts and Credits Merchandise/Retail $0 Fraud Liabi)ity Guprantee Use your Discover Card with confidence Trans. Post Date Date Oct 22 Oct 22 PAYMENT -THANK YOU $ •208.00 Nov 15 Nov 15 PAYMENT • THANK YOU •441.00 Oct 30 Oct 30 TWX*AOL VOICE SVCS 100 866-265-4415 NY 4.95 MAT l 0007804276N0 Oct 30 Oct 30 TWX*AOL SERVICE 1008 800.827.6364 NY 10.95 MAT1000780427610 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE antes Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $9824.61 0.07942`Ye 28.999a F 28.993'0 $241.88 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The robs that apply to your Aceaunt are either fixed ~f) ar they may vary (`d) as noted above. ®15C~~: ~~VER I' dosing 'u~are~•~ ~~~~..,.,,,~.~,,, ~. ., t_~Io~l$mbEr L2,2Q0~ Account number ending in 05b9 page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: October 19 _ Balance Previous Cashback Bonus Award Balance $ 18.28 Purchase Award This Period + 0.03 Cas bac Bonus Awar Tota 18.31 Cashback Bonus Award Balance Award Available to Redeem 18.31 $ 0.00 I~etr'ctiolte o'l1~T h th~ Ce~ehYael9et~r~ Part~or ofhrea~hit ®i~~st*nesm ev ea~l 1•ti1N•91fa1'fa'~!~ (1 •titJO.9d7•Zi~3j for detal~a. or ptogram etai s, see the ashbac Bonus rogram srms and Con ltions. 19 SDSN8A01 0007838 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 $245.00 _-_~ _ , Enter Amount Enclosed Below Payment Due Date January 18, 2009 please make check payable to Discover Card or pay online (~ Discovercard.com. Address, email or telephone change$ Print change in space above, or go to Discover.com. Print your email address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 111"'ll"""111'1"11"'1 CHARLOTTE NC 28272-1084 Inlillnln~lilliulnliln~lllluilnlnln~lnlnlnlilull 000001986458227761679095589100257000024500 Discover More Card Account Summary Closing Date: December 19, 2008 Account number ending in 0569 Payment Due Date January 18, 2009 Minimum Payment Due $245.00 Credit Limit $10,000.00 Credit Available $441.00 Cash Credit Limit $5,000.00 Cash Credit Available $441,00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges page 1 of 1 $9,570.93 - 257.00 + 15.90 + 0.00 + 0.00 + 229.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashb~ck Bonus Balance $ 18.31 New Cashback onus This Period + 0.03 Cashback Bonbs Balance $ 18.34 Cashback BonustID Anniver'sdry " " - _ _ " ' _ _ . _ ...... _ __ . . - Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). ~ 1. Visit Discove~.com to pay your bill for no cost, view your How Can We Help You . latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2b83) For fast, easy selFservice Please have our Discover Card oval{able. options or to speak with a Customer Service Account Manager y 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 Dats Payments and Crodits Dec 1 1 Dee 1 1 PAYMENT -THANK YOU $ -257.00 Merchandise/Retail Nov 30 Nov 30 TWX*AOL VOICE SVCS 1 10 866.265-4415 NY 4.95 MBT 10007804276N0 Nov 30 Nov 30 TWX*AOL SERVICE 1 108 800.827-6364 NY 10.95 " MBT10007f30427610 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba an s Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $9615.30 0.07942% 28.9990 F 28.993e $229.08 $0 Cash Advances $0 0.079429'e 28.99go F 28.99% $0 $0 The rates that apply to your Account an either Fixed (F) or ihey may vary (V) ns nrt~d ebsve. ~r..,~,.. , .~ ,. A~ `. , ,.... ,,,....,...,. ..............~ . ...... , ,......,,,., ...,,...,.., ,,., .. 6!'J~ri.~:'V EK $9,565.90 l $252.00 ~ Enter Amount Enclosed Below Payment Due Date February 18, 2009 please make check payable to Discover Card or pay online ~ Discovercard.com. 19 SDSNeA01 0007839 DEBRAGANZA, EVA G Go paperless and make your account information more secure with password- 407 SCOTT DR protected statements only you can access. SHIPPENSBURG PA 17257-2168 Learn more at discover.com/paperless. Address, e-mail or telephone changeit Print change in space above, or go to Discovor.com. Print your a-mail address to receive important Account information and special offers. PO BOX 71084 ~~~"'~~"""~~~'~"~~"'~ CHARLOTTE `NC 28272-1084 ff I11)II~IIIIIIII II111111~1)IIII'I)111~11)11~111~11'11'l II IIIIII 000001986458227761679095659000245000025200 Discover More Card Account Summary Closing Date: January 19, 2009 page 1 of 1 Account number ending in 0569 Previous Balance $9,558.91 Payment Due Date February 18, 2009 Payments And Credits - 245.00 Minimum Payment Due $252.00 Purchases + 15.90 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $434.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 236.09 Cash Credit Available $434.00 New Balance $9,565.90 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CgSI1~aCk BOt1U5® Opening Cashback Bonus Balance $ 18.34 New Cashback Bonus This Period + 0.03 Cashback Bonus Balance $ 18.37 Cashback Bonuses Anniveridry - _ . Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help Yov? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy selFservice options or to speak with a Customer Service Account Manager Please have our Discover Card suet{able. Y 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 Data Dare Payments and Crodits Jan 8 Jan 8 PAYMENT -THANK YOU $ -245.00 Merchandise/Reta1 Dec 30 Dec 30 TWX*AOL VOICE SVCS 120 866-265.4415 NY 4.95 MCT10007804276N0 Dec 30 Dec 30 TWX*AOL SERVICE 1208 800.827-6364 NY 10.95 __ -- MCT1000780A27610 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a es Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $9589.26 0.079429:0 28.99% F 28.999a $236.09 $0 Cash Advances $0 0.079429'° 28.993'° F 28.993'0 $0 $0 the r~tet that apply is year Aeesvnt •rs either f{xed (F) or they mety vary (V) as noted abo~~. iLI'~aJir . ~~ ~~ $9,567.05 { 5252 00 J Enter Amount Enclosed Below 4.._-.. _ __._.__ _- _ Payment Due Date $ March 18, 2004 please make check payable to Discover Card or pay online ~ Discovercard.com. 19 SOSN8A01 0007840 DEBRAGANZA, EVA G Go paperless and make your account information more secure with password- 407 SCOTT DR protected statements only you can access. SHIPPENSBURG PA 17257-2168 Learn more at discover.comlpaperless. PO BOX 71084 111"'ll""srlll~lrrll"' CHARLOTTE NC 28272-1084 Address,a-mail or telephonechange9Printchangeinspace 1~~1~11~~1~~~1~11~~~1~~1~1i~~1fV1~i~1~~1~i1~~11~~1~~1~~1~1~~f1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458227761679095670500252000025200 Discover More Card Account Summary Closing Date: February 19, 2009 page 1 of 2 Account number ending in 0569 Previous Balance $9,565.40 Payment Due Date March 18, 2009 Payments And Credits - 252.00 Minimum Payment Due $252.00 Purchases + 16.94 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $432.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 236.21 Cash Credit Available $432.00 New Balance _ $9,567.05 You may be abk to avoid Periodic Finance Chorges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 18.37 New Cashback Bonus This Period + 0.04 Cashback Bonuse Anniversary Month: October Cashback Bonus Balance $ 18.41 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 lt's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) For fast, easy selFservice Please have our Discover Card available. options or to speak with a Customer Service Account Manager y 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 Daro Date Payments and Crodits Feb 8 Feb 8 PAYMENT -THANK YOU $ -252.00 Merchandise/Retail tan 30 Jan 30 TWX*AOL VOICE SVCS 010 866-265.4415 NY .4.95 M1T10007804276N0 Jan 30 Jan 30 TWX*AOL SERVICE 0109 800-827-6364 NY 11.99 M1T1000780427610 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 $9594.34 0.07942° 28.99% F 28.999'0 $236.21 $0 Cosh Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Aeeount are either Fixed (f)or they moy vary (V) as noted above. Income Gap Protection gives you cash when you need it most -when your income is interrupted by involuntary ~ ,i ~ dosing ~are• VI~~~ .,t Y tK 1 ~~~~~ Account number ending in 0569 page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: October 19 Balance Previous Cashback Bonus Award Balance $ 18.37 Purchase Award This Period + 0.04 Cashback Bonus Awar Tota 18.41 Cashback Bonus Award Balance Award Available to Redeem 18.41 $ 0.00 Reatrietiees mpplp to the Gaskbaak Banus Partner offers visit Disco~+lr.com or call 1~900•DIBCOVER (1.800.347.2693) For details. for program details, see the Cashback Bonus program Terms and Conditions. V~~L~•,. ~Y tlt 59,544.66 ( 5228 00 -_-__ _ -- Payment Due Date April I8, 2009 19 SD5N8A01 0007841 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPEN5BURG PA 17257-2168 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Illrrrll"""111'lirll"'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ PrinT change in space I~~I~Il~~li~~l~ll~~~l~il~l~~~llll~~~l~~l~~l~~ll~~l~~l~~l~l~~ll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458227761679095446600252000022800 Discover More Card Account Summary Closing Date: March 19, 2009 page 1 of 2 Account number ending in 0569 Previous Balance $9,567.05 Payment Due Date April 18, 2009 Payments And Credits - 252.00 Minimum Payment Due $228.00 Purchases + 16.94 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $455.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 212.67 Cash Credit Available $455.00 New Balance = $9,544.66 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 18.41 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 18.45 Ca3hbdck-Bonus® Annivei•4ary - _ Month: October 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 1347.2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data Payments and Credits Mar 7 Mar 7 PAYMENT -THANK YOU $ •252.00 Merchandise/Retail Mar 2 Mar 2 TWX*AOL VOICE SVCS 030 866-265-4415 NY 4.45 M3110007804276N0 Mar 2 Mar 2 TWX*AOl SERVICE 0309 800.827-6364 NY 11.99 M311000780427610 Information For You _ _ _ _ _. . * *ATTENTION * * The day of the month that your payment is due will be changing. Your new Payment Duo Date will be printed at the top of the remittance coupon on the statement you receive for your billing period that ends aRer May 1, 2009. Your Payment Due Date will continue to be at least 25 days from the Closing Date shown on the billing statement. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE elan es Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $9563.74 0.07942% 28.99° F 28.99q° $212.67 $0 Cash Advances $0 0.07942q° 28.99°!° F 28.99`Yo $0 $0 The rates that apply to your Aceount an •ithsr fixed IF) or they may vary (V) as noted above. A r `,` ~iosm ware: ~I~~rr,<::;;' • L~ ! " 9 ~ Account number ending in 0569 i ~narsh.~92539.2--- page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: October 19 Balance Previous Cashback Bonus Award Balance $ 18.41 Purchase Award This Period + 0.04 Cash ac Bonus Award Total 18.45 Cashback Bonus Award Balance 18.45 Award Available to Redeem $ 0,00 ostrietiops aPe~ fo th C ihlrack ~a ~s Pa~~ar athri Nit ~1y~gneeni or caU 1•i9®•91i~•Ytt (1•B~i•34~•2~i3) for ~f4t811s, Fbt PYe tc1Pfi ~eia~3, see the ~ashback Bonus •~rogram Terms and Conditions. .................. i ..,.,,,,.,..,... ,.r.,...,., ...,., I , ...,..,,.,,, , ...,,,.,.., ...,.,.,.a ,,, ....,,. ~~~~ ;:::'~ ~~ $9,568.23 ! $250.00 I Enter Amount Enclosed Below Payment Due Date May l8, 2004 please make check payable to Discover Card or pay online ffd? Discovercard.com. 19 SDSNeA01 0007842 DEBRAGANZA, EVA G Go paperless and make your account information more secure with password- 407 SCOTT DR protected statements only you can access. SHIPPENSBURG PA 17257-2168 Learn more at discover.com/paperless. Po sox 71084 Illrrrll~~~rr~lllrlr~llrr~l CHARLOTTE NC 28272-1D84 Address, e-mail or telephone changeZ Print change in space li~l~lliil~~ilill~~iliilil~iillllii~li~liiliilliiliili~l~liill above, or go to Discover.com. Print your email address to receive important Account information and special offers. OODD01986458227761679095682300228000025000 Discover More Card Account Summary Closing Date: April 19, 2009 page 1 of 2 Account number ending in 0569 Previous Balance $9,544.66 Payment Due Date May 18, 2009 Payments And Credits - 228.00 Minimum Payment Due $250.00 Purchases + 16.94 Credit Limit $10,000,00 Cash Advances + 0.00 Credit Available $431.00 Balance Transfers + 0.00 Cash Credit Limit 000.00 $5 Finance Charges + 234.63 Cash Credit Available , $431.00 New Balance = $9,568.23 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 18.45 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 18.49 Cashback Bonus® Anniversary Month: October How Can We Hefp You? 1 • Visit Discover.com to payyour 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 Dais Date Payments and Credih Apr 1 Apr 1 PAYMENT -THANK YOU $ -228.00 Merchandise/Retail Mar 30 Mar 30 TWX*AOL VOICE SVCS 030 866.265-4415 NY 4.95 M3T10007804276N0 Mar 30 Mar 30 TWX*AOL SERVICE 0304 800-827-6364 NY 11.99 M3T1000780427610 Information For You * *ATTENTION* * The day of the month that your payment is due will be changing. Your new Payment Due Date will be printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1, 2009. Your Payment Due Date will continue to be at least 25 days From the Closing Date shown on the billing statement. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ian Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $9530.06 0.079429'° 28.99% F 28.99% $234.63 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to y~er Aeceunt are either fined (f)or they moy vary (V) as noted above, t ~ ~ dosing ware: ~IJC.'-~r`N~~ i~nril 19,~t~ Account number ending in 0569 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: October 19 Balance Previous Cashback Bonus Award Balance $ 18.45 Purchase Award This Period + 0.04 Cash ack Bonus Awar Tota 18.49 Cashback Bonus Award Balance 18.49 Award Available to Redeem $ 0.00 Rgtr etions apply to th~ CgqshraeM Ystttus'ertger efhrswlsit OI~SMver.cein or ea~l 1.900•DfiGOVIR (1.800.347.2883) far ddefame. For program stalls, see the Cashback Bonus rogram Terms and Con itions. ~B~L~ ,.:' Y ~~- $9,863.12 5504 00 ~ Enter Amount Enclosed Below Payment Due Date June 14, 2009 Please make check payable to Discover Card. Minimum,paymentduc includes a past due amount of $250.00. 19 SDSN6A01 0007843 EVA G DEBRAGANZA Go paperless and make your account , information more secure Huth password- 407 SCOTT DR protected statements only you can access. SHIPPENSBURG PA 17257-2168 Learn more at discover.comlpaperless. PO BOX 71084 III"'II"""III'I"II"'I CHARLOTTE NC 28272-1084 Address, a-mail or telephone changeZ Print change in space I~~I~II~~I~~~IiII~~~I~~I~I~~iIIII~iiI~~I~iIiiII~~I~il~il~I~il) above, or go fo Discover.com. Print your e-mail address to receive important Account information and special offers. OOD00198645822776167909863120000000005D400 Discover More Card Account Summary Closing Date: May 19, 2Q09 page 1 of 1 Account number ending in 0569 Previous Balance $9,568.23 Payment Due Date June 14, 2009 Payments And Credits - 0.00 Minimum Payment Due $SOd.00 Purchases + 55.94 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $136.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 238.95 Cosh Credit Available $136.00 New Balance = $9,863.12 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 1$.49 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 18.53 Cashbaci~ B3rius~ Anniversary Month: October How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more ItrS yOUr ChOICe - 3 Ways t0 help 2. Call 1-800.DISCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Date Dais Merchandise/Retail Apr 30 Apr 30 TWX*AOl VOICE SVCS 040 866-265-4415 NY $ 4.95 M4T 10007804278N0 Apr 30 Apr 30 TWX*AOL SERVICE 0409 800-827-63b4 NY 11.99 M4T1000780427610 CHher/Miscellaneous May 19 May 19 LATE FEE 39.00 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to. make other arrangements. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al nc s Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $9694.48 0.082189'° 29.999'° V 29.999:° $238.95 $0 Cash Advances $0 0.0821 b% 24.99% V 29.999'° $0 $0 The rates that apply to your Account ore either fixed (F) or they may vory (V) as noted above. u~~L`~.:a;~Y tK rS9,8b7.97.,0 19 SDSNBAOt 0007844 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 rnuun wnr r urn wnr vuv n~~uunr rvunwm vnuur~y r r va~i $468.00 _} Enter Amount Enclosed Below Payment Due Date July 14, 2009 Please make check payable to Discover Card. Minimum pa ment due includes a past due amount of $204.00. Address, e-mail or telephone chonge2 Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71D84 ~~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28272-1084 InIiIInln~~illni~n~~Iu~~~~~ui~u~uln~In~nlnl~~ull 000001986458227761679098679700300000046800 Discover More Card Account Summary Closing Date; June 19, 2009 page 1 of 2 Account number ending in 0569 Previous Balance $9,863.12 Payment Due Date July 14, 2009 Payments And Credits - 300.00 Minimum Payment Due $468.00 Purchases + 55.94 Credit limit $10,000.00 Cash Advances + 0.00 Credit Available $132.00 Balance Transfers + 0.00 Cash Credit Limit 000.00 $5 Finance Charges + 248.91 Cash Credit Available , $132.00 New Balance = $9,867.97 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 18.53 New Cashback Bonus This Period + 0.0.4 Cashback Bonus Balance $ 18.57 Cashback Boriusf® Arini3ersdry - - _ Month: October H l Y C ? H W 1 • Visit Discover.com to pay your bill for no cost, view our s p ou an e e ow and more latest Account information, earn and redeem reward 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 our Discover Card available. y 3. Write us at Discover Card, PO Box 309.43, 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 Crodits May 28 May 28 PAYMENT -THANK YOU $ -300.00 Merchandise/Retail May 30 May 30 TWX*AOL VOICE SVCS OSO 865-265-4415 NY 4.95 M5T10007804276N0 May 30 May 30 TWX*AOL SERVICE 0509 800-827-6364 NY 1 1.99 M5T1000780427610 Other/Miscellaneous tun 15 Jun 15 LATE FEE 34.00 fnformatiorrForYou-- __.- -____ _.- --_.-_ __-__.-_-"---_ _..--__ _ _--._---. _._ _._-.-- * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $9772.61 0.08216% 29.993'° V 29.99% $248.91 $0 Cash Advances $0 0.08216% 29.99% V 29.993'° $0 $0 The rates that opply to your Account are either fixed (F) or they may vary (V) as nntsd above. ~iosmy vats: ~~~~`, , '•'~ tK ! Account number ending in 0569 i__ ____June~L4,2QQQ_--' page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: October 19 Balance Previous Cashback Bonus Award Balance $ 18.53 Purchase Award This Period + 0.04 Cashback Bonus Awar Tota 18.57 Cashback Bonus Award Balance 18.57 Award Available to Redeem $ 0.00. f~ahictiori a plr t~ th~ CglhMtal~ ~~pv~ Portnir~ofFsr~~visit Diitilnr.eem ea~l 1•~00•DIfCOYiR (1•i0G347•?i~3) for 9ef~U~. er ~ tam Ala s,aoe hs ashbae onus rogram Terms and ~on itions. V ~~Lr'::..~~Y t~'~. 59.654.80.... 19 SDSN8A01 0007845 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 $253.00 ~~ Enter Amount Enclosed Below Payment Due Date August 1 b, 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 discover.com/paperless. PO BOX 71084 ~~~~~~~~~~~~~~~~~~~~~~~~~~1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changei: Print change in space ~~~~~~~~~fi~~~~~~~~~~~~~~~~~~~~ll~~~~~~~~~~~~~~~~~~~1~~~~~~i~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458227761679096548000468000025300 Discover More Card Account Summary Closing Date: July 19, 2009 page 1 of 2 Account number ending in 0569 Previous Balance $9,867.97 Payment Due Date August 14, 2009 Payments And Credits - 468.00 Minimum Payment Due $253.00 Purchases + 16.94 Credit Limit $10,000.04 Cosh Advances + 0.00 Credit Available $345.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 237.89 Cash Credit Available $345.00 New Balance - $9,654.80 You may be able to ovoid Periodic Finance Charges, see The reverse side for details. Cashback Bor-us® Opening Cashback Bonus Balance $ 18.57 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 18.61 ry -- CcrshbackBnnus® Anniversa __ ._- .__.__._-_.......___...---.---....._....._, -_ ..__-._.._..._..___.-_- Month: October 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 our Discover Card available. y 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 Data Payments and Credits Jun 28 tun 28 PAYMENT -THANK YOU $ -468.00 Merchandise/Retail Jun 30 Jun 30 TWX*AOL VOICE SVCS 060 866.265.4415 NY 4.45 MbT10007804276N0 Jun 30 Jun 30 TWX*AOL SERVICE 0609 800.827.6364 NY 11.99 M6T1000780427610 Information For You This month, the Featured Cashback Bonus~R) Redemption Partner is Bed Bafh & Beyond(R~. Redeem $20 Cashback Bonus fore a $25 Bed Bath & Beyond gift card. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al nces Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $9651.64 0.08216% 29.99% V 29.999° $237.89 $0 Cash Advances $0 0.08216% 29.999'o V 24.999'° $0 $0 The rates that apply to your llceaunt are either fixed (F) er they may vary (V) as Hofer above. Jul _ 19 200 Account number endin in 05b9 --- Y-~ - - page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: October 19 Balance Previous Cashback Bonus Award Balance $ 18.57 Purchase Award This Period + 0.04 Cashback Bonus Award Total 18.61 Cashback Bonus Award Balance 18.61 Award AvaiVable to Redeem $ 1$.61 estrietiors apply to th++ Cgqshbai-k iq w Partner ofhrs v+sR ®is ~wr~~arn a toll 1•~®©~®15~a1-ER ii •>100.3d7.2®83) far ~i~ftlll~. Fair re tdm detalla, ase fhe ~ashback Bonus Grogram ~~rms and conditions. ®'~~ri~:?'V~~ $9,858.25 ~ $416.00 ~ Enter Amount Enclosed Below i ~ ` Payment Due Date ~ ~-~ September 14, 2009 please make check payable to Discover Card. Minimum payment due includes a past due 00 f $153 t amoun o . . 19 SDSN6AOt 0007846 DEBRAGANZA, EVA G Go paperless and make your account information more secure with password- 407 SCOTT DR protected statements only you can access. SHIPPENSBURG PA 17257-2168 Learn more at discover.com/paperless. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. PO BOX 71084 lllirrllnnnlllrlullnrl CHARLOTTE NC 28272-1084 1~~1~11~~1~~~1~11~~~I~~I~I~~~Ilil~~~l~~l~~l~~lf~~1~~1~~1~1~~11 000001986458227761679098582500100000041600 Discover More Card Account Summary Closing Date: August 19, 2009 page 1 of 2 Account number ending in 0569 Previous Balance $9,654,80 Payment Due Dote September 14, 2009 Payments And Credits - 100,00 Minimum Payment Due $416.00 Purchases + 55,94 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $141.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 247.51 Cash Credit Available $141.00 New Balance = $9,858.25 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashback Bonus® AriniJersary - " Month: October Opening Cashback Bonus Balance $ 18.61 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 18.65 l C H You? H W 1 • Visit Discover.com to pay your bill for no cost, view your p an e ow e latest Account information, earn and redeem rewards and more lt'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 our Discover Card available. y 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 Dote Payments and Crodits 1ul 30 Jul 30 PAYMENT -THANK YOU $ -100.00 Merchandise/Retail Jul 30 Jul 30 TWX*AOL VOICE SVCS 070 866-265-4415 NY 4.95 M7T10007804276N0 1ul 30 Jul 30 TWX*AOL SERVICE 0709 800.827-6364 NY 11.99 M7T1000780427610 CMher/Miscellaneous Aug 15 Aug 15 LATE FEE 39.00 Information for You - * * * ATTENTION * * * Yovr account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE B ne s Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $9718.01 0.082163'° 29.99% V 29.99% $247.51 $0 Cash Advances $0 0.0821 b% 29.99% V 29.99q° $0 $0 The robs that apply to your Asaovnt are eithsr fixed (F) or they ~t,ay vary (v) es noted above. ~ ~.iwuiy voles. Account number endin m 05b9 . ~~~~.' ,., ~'~~~ ~--August 19, 2009) s page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: October 19 Balance Previous Cashback Bonus Award Balance $ 18.61 Purchase Award This Period + 0.04 Cashback Bonus Award Total 18.65 Cashback Bonus Award Balance 18.b5 Award Available to Redeem $ 0.00 Rutrictions apply t~ th~ Ca~ahbaek 6s~r+us Partner ofhra vhit Disciwr.ran or call 1.800•DISCOYE!! (1.800.347.2663) for details. For program etas s, see the Cashback Bonus grogram Terms and Conditions. IVtlW DOIarrCtl D15C~`:::~VER~ slo,oaB.Bo 19 SDSN6A010007847 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 rvununum ruynltlrn wn $584.00 _ _ _ hcwunl IVUnlunl tliwniy m vdvs , Enter Amount Enclosed Below Payment Due Date $ ~--~ Cktober t4, 2009 please make checkpayable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $88.80. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discoveccom/paperless. Address, e-mail or telephone changey Print change in space above, or go to Discover.com. Print your email address to receive important Account information and special offers. PO BOX 71084 iii"'li"""iii'i"li"'I CHARLOTTE NC 28272-1084 I~~I~ill~l~l~l~llll~l~ll~l~rlllll~llll~l~ll~lll~~l~~ll~l~lllll D000019864582277616791008880D010DOOOD58400 Discover More Card Account Summary Closing Date: September 19, 2009 page 1 of 1 Account number ending in 0569 Previous Balance $9,858.25 Payment Due Date October 14, 2009 Payments And Credits - 100.00 Minimum Payment Due $58d.00 Purchases + 78.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $5 000.00 Finance Charges + 252.55 Cash Credit Available , $0.00 New Balance = $10,088.80 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback. Bonus Balance $ 18.65 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 18.65 Cashback Bonus® Anniversary _ ..... . _ . .. _ .. _ Month: October 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 our Discover Card available. y 3. Write us at Discover Card, PO Box 309.43, For TDD (assistance For hearing impnired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Date Date Payments and Crodits Aug 31 Aug 31 PAYMENT -THANK YOU $ • 100.00 Other/Miscellaneous Sep 15 Sep 15 LATE FEE 39.00 Sep 19 Sep 19 OVERUMIT FEE 39.00 Information For You * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due shouldbepaid at once. 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 $9915.70 0.08216% 29.99% V 29.995'0 $252.55 $0 Cash Advances $0 0.06216% 29.99°!a V 29.99°!.0 $0 $0 The rates that apply is your Accaunt are either fixed (F) or they may vary (V) as noted abov®. m ~ ~i ~~~' _.-~ • E~Z rvorr vu,uii~o ~ rvunnnuur r uymern vuv raovunr rvuuwm ernwny ui v.ivv $10,418.45 ~ ,$851 A0 ~ Enter Amount Enclosed Below Payment Due Date November 14, 2009 please make check payable to Discover Card. f th li it th m nthl Y P ou are over . ay e sum o e o y m minimum payment plus the overlimit amount of $418.45. 19 SDSN6A01 0007848 DEBRAGANZA EVA G Go paperless and make your account , information more secure wdh password- 4 07 SCOTT DR protected statements only you can access. SHIPPENSBURG PA 17257-2168 Learn more at discover.com/paperless. PO BOX 71084 III"rll"""111'1"II"'I CHARLOTTE NC 28272-1084 Address, email or telephone change8 Print change in space I~rl~ll~~li~~lillrirl~~lrlr~r~lllrrrl~~l~rlr~llrrl~rlr~l~~r~~~ above, or go to Discover.com. Print your email address to receive important Account information and specie{ offers. 000001986458227761679104184500000000085100 Discover More Card Account Summary Closing Date: October 19, 2009 page 1 of 1 Account number ending in 0569 Previous Balance $10,088.80 Payment Due Date November 14, 2009 Payments And Credits - 0.00 Minimum Poyment Due $851.00 Purchases + 78.00 Credit limit $10,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 251.65 Cash Credit Available $0.00 New Balance $10,418.45 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 16.65 New Cashback Bonus This Period + 0.00 Redeemed This Period - 16.65 Cashback- Bonus® Anniversary - - Cashback Bonus Balance - $ O.OD. Month: October How Can We Help You? 1 • Visit Diseover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 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 take City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Posy Date Date Other/Miscellaneous Oct 15 Oct 15 LATE FEE $ 39.00 Oct 19 Oct 19 OVERLIMIT FEE 39.00 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for Future payments should be made immediately. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al nc s Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $10209.92 0.08216% 29.99% V 29.99% $251,65 $0 Cash Advances $0 0.08216 29.94% V 29.99% $0 $0 The rotes that apply ro yoWr Acaenf ore either fined (F) or thq mey varq (V) es Hated obaw. ®~SC=,., ~~~yt $16,765.10 19 SDSN6AD1 OD07849 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 ,.r~.~o„~ ,. ..,...,,,.,.,a .,. ...,,.. !`51,135_00 v~ Enter Amount Enclosed Below Payment Due Date December 14, 2009 please make checkpayable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $765.10. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. Address, e-mai) or telephone ehange2 Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and specia{ offers. Po sox 71084 III111111111111111111111111 CHARLOTTE NC 28272-1084 1111111111111111111111111111111111111111111111111111111'111111 000001986458227761679107651D000000001135D0 Discover More Card Account Summary Closing Date: November 19, 2009 page 1 of 1 Account number ending in 0569 Previous Balance $10,416.45 Payment Due Date December 14, 2009 Payments And Credits - 0.00 Minimum Payment Due $1,135.00 Purchases + 78.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit 000.00 $5 Finance Charges + 268.65 Cash Credit Available , $0.00 New Balance = $10,765.10 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Coshback Bonus® Anniversary Month: October 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 our Discover Card available. y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Loke City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dafe Date CNher/Miscellaneous Nov 15 Nov 15 LATE FEE ~ 39.00 Nov 19 Nov 19 OVERLIMIT FEE 39.00 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al ces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $10547.88 0.082169'0 29.999:° V 29.99% $268.65 $0 Cash Advances $0 0.08216°'° 29.99°'° V 29.99°l° $0 $0 The rotas that alsply to your Aeeeant are slther fi><ad (F) or they m>ay vary (V) as noted above. Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase Fee of each pik card -plus get FREE shipping tiI'Q~~r4..;:.;'~~~ $11,111.63 ; 51,419.00 Payment Due Date January 14, 2010 i9 SDSN6A01 0007850 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPEN5BURG PA 17257-2168 Address, e-mail or telephone change6 Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below -~. Please make check payable to Discover Card. Minimumpayment due includes a past due amount of $1,135.00. 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 fffurffnuufffrfnffnif CHARLOTTE NC 28272-1084 f..f.vf..f...i,n..,f..~,~,,,nfi,,,f„~~,f„if„~„i„i,i„>> 000001986458227761679111116300000000141900 Discover More Card Account Summary Closing Date: December 19, 2004 page 1 of 1 Account number ending in 0569 Previous Balance $10,7b5.10 Payment Due Date January 14, 2010 Payments And Credits - 0.00 Minimum Payment Due $1,419.00 Purchases + 78.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 268.53 Cash Credit Available $0.00 New Balance = $11,111.63 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshback Banus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback 8onus® Anniversary - - - Month: October How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more ft's your choice - 3 ways to help 2. Call 1.800-DISCOVER {347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Date Date Other/Miscellaneous Dec 15 Dec 15 LATE FEE $ 39.00 Dec 19 Dec 19 OVERLIMI T FEE 39.00 Information For You *" * ATTENTION * * * Your account is seriously pass due. Payment of the amount due and arrangements-for future payments should be made immediately. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Qgtes RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $1089d.33 0.08216°Ye 29.99`Ye V 29.99% $268.53 $0 Cash Advances $0 0.082165e 29.94% V 29.99% $0 $0 The rata that apply to your Aasount an either fixed (F) or they may vary {V) ds noted dbbvi. Discover{R) gift cards make easy holiday giks, Now save $2 on the purchase fee of each gift card -plus get FREE shipping. ~65~~~.;~~bIER $11,47b.~15~ j $1,T21.OO~r~~~~~~~ ~~~ Payment Due Date February 14, 2010 19 SDSN6A01 0007851 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum pa meat due includes a past due amount of $1,419.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 111"'11"""111'1"11"'1 CHARLOTTE NC 28272-1084 I~~Ir1lr~lr~~l~ll~~rf~~l~lr~~1111~rrl~rlr~l~rll~rl~rl~rl~ir~11 000001986458227761679114761500000000172100 Discover More Card Account Summary Closing Date: January 19, 2010 page 1 of 1 Account number ending in 0569 Payment Due Date February 14, 2010 Minimum Payment Due $1,721.00 Credit Limit $10,000.00 Credit Available $0.00 Cash Credit limit $5,000.00 Cash Credit Available $0.00 Previous Balance $11,11 1.63 Payments And Credits 0.00 Purchases + 78.00 Cash Advonces + 0.00 Balance Transfers + 0.00 Finance Charges + 286.52 New Balance - $11,476.15 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Aririiversary Month: October How Can We Help You? 1 • Visit Diseover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER {347-2683) for fast, easy selFservice Please have ur Discover Card available. options or to speak with a Customer Service Account Manager 1'O 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Jan 15 Jan 15 LATE FEE $ 39.00 Jan 19 Jan 19 OVERLIMIT FEE 39.00 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements For future payments should be made immediately. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al ces Rates RATES RATES CHARGES CfiARGES current billing period: 31 days Purchases $1 1249.67 0.08216% 29.999'0 V 29.99% $286.52 $0 Cash Advances $0 0.082169'0 29.999'0 V 29.99% $0 $0 The rats that apply to your Aeesunt an either flxtad (F) er they may vary (V) na noted above. 19 SDSN6A01 0007852 DEBRAGANZA, EVA G 407 SCOTT DR SHIPPENSBURG PA 17257-2168 $2,032.OOvr V vvV I Enter Amount Enclosed Belowyv, Payment Due Date March 14, 2010 please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $1,811.07. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercom/paperless. Address, e-mail or telephone change8 Go to www.Discovor.com or print change in space above. PO BOX 71084 III"'Il"""111'1"II"'I CHARLOTTE NC 28272-1084 inl~~lnln~i~lln~lnl~ln~lilln~lnlulullniniuiiluli 00000198645822776167911811D700000000203200 Opening uate:.tanuary zu, zu i u - ~lostng vats: reor Discover More Card Account Summary Account number ending in 0564 Previous Balance $11,476.15 Payments And Credits - 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 295.92 Other Fees t + 39.00 New Balance 11,811.07 See Finance Charge Summary section Following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available- ~ $0:00 Cash Advance Credit Line $5,000.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side For details. t See transoction detail for a description of any fees charged.) CasllbatlC BOnUS® Anniversary Month October Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in al Www.Diseover.comana select Rewards 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. -Call-}-800-DISCOVER (1-800-347-2683 - - Please have your Discover®card availab~e. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 for TDD (Telecommunications Device for the Deaf assistance, please call 1.800.347-7449. nary 19, 2010 page 1 of 2 Payment Information New Balance $11,811.07 Minimum Payment Due* $2,032.00 Payment Due Date March 14, 2010 *Includes past due amount of $1,721.00 Laro Payment Waming: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 29.99% variable. Minimum Payment Waming: IF you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: IF ycu mck~ tto '~ati vgtlE poyoffthe Atid ~rou wtll ~srstl gdditional C~igC,g(s3 I~Ctftirtc~ 91rAWh cyrt ttp payer dri USin9 this hard and tAta:Rldt~me~ tati ~5ttlrgtadt4~al #~ ,: sash man#tt !you pay gbpt~t ; Only the minimum 52 years $56,833 payment If you would like information about credit counseling services, call 1-800.347.1 121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to,pay.down your_balance, securely access_statements, pay bills online and easily track all transactions Make your money worth moreSM-find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Daro Daro Other/Miscellaneous Feb 14 Feb 14 LATE FEE Foes TOTAL FEES FOR THIS PERIOD Inrorost Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 39.00 39.00 295.92 0.00 0.00 295.92 ®'`~ ~~/ Gp n pays ro I Account number ending in 0569 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee current billing period: 31 days Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES Purchases $1 1,618.71 0.08216% 29.99% V 29.99% $295.92 $0 Cash Advances $0 0.08216% 29.999'° V 29.99% $0 $0 V =Variable Rate Information For You Notwithstanding the payment due date on this statement, iF you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing statement. Questions? visit www.Discover.com or CERTIFICATE OF SERVICE A true and correct copy of the /within Plaintiff s Motion for Summary Judgment has been served by U.S. Mail, Postage Pre-Paid, on ~l day of _~~J' , 2010 upon the following: Bradford Donance,Esquire 210 Walnut St Po Box 11963 Harrisburg Pa 17108 By: Be j in Bib er, Esquire Pa. .#93598 Weltman, Weinberg & Reis, Co. 1400 Koppers Building 436: Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR No. 8253751 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, VS. EVA G DEBRAGANZA, Defendant. Case No.: 10-3077 CIVIL TERM TYPE OF PLEADING: MOTION TO ENTER PLAINTIFF'S SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Matthew D. Urban, ESQUIRE Pa. I.D, #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR #08253751 C M -, = cn r" z ,? -? r- C ?? M v :?cz .. CD nl IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, VS. EVA G DEBRAGANZA, Defendant. Case No.: 10-3077 CIVIL TERM MOTION TO ENTER PLAINTIFF'S SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion to Enter Plaintiff's Summary Judgment and in support thereof, Plaintiff avers as follows: 1. On or about May 11, 2010, Plaintiff brought this action against Defendant for payment of a credit card debt. 2. On or about May 13, 2010, the Sheriff s Office of Cumberland County served Defendant with a copy of the Complaint. 3. On or about June 12, 2010, Defendant's Counsel, Bradford Dorrance, Esquire, filed an Answer to Plaintiff s Complaint. 4. On or about October 25, 2010, Plaintiff filed a Motion for Summary Judgment against the Defendant. 5. On or about December 02, 2010, Plaintiff received notice that Plaintiff's Motion for Summary Judgment will be heard on December 15, 2010. 6. On or about December 06, 2010, Plaintiff received a letter from Opposing Counsel, Bradford Dorrance, Esquire, stating that his client, Holly Moore, power of attorney for Eva G. Debraganza, does not oppose the entry of Plaintiff's requested Summary Judgment. A true and correct copy of the letter is attached hereto, marked as Exhibit "1" and made a part hereof. 7. On or about December 13, 2010, Plaintiff faxed over a request to Court Administration, to have the judgment entered in Plaintiffs favor without the need of either part attending, due to Opposing Counsel's letter. A true and correct copy of the fax and the fax confirmation, are attached hereto, marked as Exhibit 'T' and made a part hereof. 8. On or about February 11, 2011, Plaintiff contacted Court Administration. Plaintiff was told that due to Opposing Counsel's letter, that Plaintiff should Motion the Court to enter the Summary Judgment in Plaintiffs favor. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant and enter Summary Judgment in Plaintiffs favor. Respectfully Submitted: Matthew D. Urban, Esquire Pa. I.D, #08253751 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 08253751 KEEFER WOOD ALLEN & RAHAL, LLP ROBERT L. WELDON ATTORNEYS AT LAW EUGENE E. PEPINSKY, JR. 210 WALNUT STREET JOHN H. ENOS M GARY E. FRENCH P. O. BOX 11963 BRADFORD DORRANCE HARRISBURG, PA 17108-1963 JEFFREY S. STOKES ROBERT R. CHURCH PHONE (717) 255-8000 STEPHEN L. GROSE R. SCOTT SHEARER FAX (717) 255-8050 ELYSE E. ROGERS CRAIG A. LONGYEAR EIN No. 23-0716135 JOHN A. FEICHTEL www.keeferwood.com STEPHANIE KLEINFELTER DONALD M. LEWIS III TODD F. TRUNTZ December 6, 2010 LAUREN S. WELDON Phone No.: Fax No.: David D. BiiP71_. Prothrnnnt?rt1 Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013-3387 Re: Discover Bank v. Eva G. Debraganza Cumberland Co. 10-3077 Civil Term Dear Mr. Buell: ESTABLISHED IN 1878 OF COUNSEL: N. DAVID RAHAL SAMUEL C. HARRY CHARLES W. RUBENDALL II WEST SHORE OFFICE: 635 NORTH 12TH ST., 4TH FLOOR LEMOYNE, PA 17043 (717) 612-5800 WRITER'S CONTACT INFORMATION: (717) 255-8014 (717) 255-8042 In response to your recent letter, my client, Holly Moore, power of attorney for Eva G Debraganza, does not oppose the entry of plaintiff's requested summary judgment. I request that the December 15, 2010 argument be canceled. I believe plaintiff's attorney, Benjamin Bibler, consents to the requested cancellation. Thank you. Sincerely, KEEFER WOOD ALLEN & RAHAL, LLP By: D Bradford Dorrance BD/raw cc: Melissa H. Calvanelli, Court Administrator Benjamin R. Bibler, Esquire Holly Moore, POA EXHIBIT i. ? () S ?-? _y- / WELTMAN, WEINBERG & REIS CO., L.P.A. ATTORNEYS AT LAw 1400 Koppers Bldg., 436 7' Ave. Pittsburgh, PA 15219 Main Phone: 412 434-7955 Fax Number: 412 434-7959 www.weltman.com Fax Transmittal: Date: December 13, 2010 To: Court Administration From: Wayne A. Jones Comments RE: DISCOVER BANK vs. EVA G DEBRAGANZA WWR#08253751 No. of Pages: 2 Fax Number: 717-240-6460 Direct Line: 412-338-7111 CASE#:10-377 CIVIL TERM In regards to the scheduled Summary Judgment hearing for Wednesday December 15, 2010, Plaintiff has attached a letter from (Defendants Power of Attomey), Holly Moore. Defendants (P.O.A.) states that she will not oppose the entry of judgment against the Defendant. Eva G. Debraganza. Plaintiff prays that this Honorable Court will enter Judgment in Plaintiffs favor without the need of our office attending. Thank you for your time and consideration and have a great day! Please confirm or should You have any questions. Please do not hesitate to contact me at 412-338-7111 Legal ista Wayne A Joi 412-338-711' CONFIDENTIALITY NOTICE "211 The documents accompanying this telecopy transmission contain confidential information belo"s to Me SC%ItP which is legally privileged. This information is intended only for the use of the individual or entity named above. If you are not the intended recipient, you are hereby notified that disclosure, copying, distribution or the taking of any action in reliance on the contents of this telecopied information is strictly prohibited. If you have received this telecopy in error, please immediately notify us by telephone to arrange for return of the original documents to us. P. 1 Communication Result Report ( Dec.13. 2010 3:1OPM ) 2) Date/Time: Dec.13. 2010 3:09PM File Page No. Mode Destination Pg(s) Result Not Sent ---------------------------------------------------------------------------------------------------- 3545 Memory TX $917172406460 P. 2 OK ----------------------------------------------------------------------------------------------- Reason for error E. 1) Hang up or line fail E.2) Busy E.3) No answer E.4) No facsimile connection E.5) Exceeded max. E-ma i 1 size WEf TMM, , WRMZRG $ RM Co., L.P.A. . Anw?asnta larratwatK,asTa. eaw..M FA loo W WRNp253751 r+.e? maatasa kw..ynmOF'As ww..a.rr. Fax Transmittal; Dec DtanOtr 13.2MO tb. dpq w: 2 TO: GiNd bieht/m RKNmibr. 717,21D4gf0 ;ey Fe Wow A.Jmw DbtatLbrc 412 30.7111 COMKn b RE D19LMMSAWyLEVA60E?FTMy1lQA QAM 10a77CIVL7ERM hmg? b M rh?6Yd Srm?rr,lu?a? hrArr br W?diadur. DmmBr 15.7MQ. PlreiFTr ?olyd a WW bm Mdmbi8 PoardAOaeed Hob Mme Ddrdefa 1P.OA1 mbt a1r a/ not aware fe Oy d hdm rd ambd to Deudre. Er Q Deb? FWW m Od fit Hmobbb God M arfer Adam* inM MJmK%ofWfrnrddardioaa0rdm.TbmkrmIyy=e taidanriddanaid bola aaaddsM Pbrs axfim or ahouM rm here vw= dwL dwrde not haft baabd art t41211f-7111 Thu* nOWL M mAJaw WAW4iZ=! 130 y The &=.w ft aoaryr A ft hborpT eveoladm easab owifadid Yatmunoa brogbM b 6t amdQ whbhb LpOy? 2Lt leLmrlbe 6i brfrw ofa,rhdlrSbrlorf fta atwrs tf 7tpstaut tadpbeS 7w??l dfratrrR wpfiaa dWbaloa a'fwwftOfwf alive is adtaam w fr aaatreb of fdr aleeopkd brlmrkr A atefcfl• PmbLbad 1f yta lion no?wfd fdr tamapya MM Pbw bmat o i lyno IP Ubyrbphowbeamifrum offs aldwidoerer.tor. J evu BIT CAN .z, -wounow VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities, that he is an attorney for the Plaintiff herein and makes this Verification based upon the facts as supplied to him by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for the filing of this pleading; and that the facts and circumstances set forth in this pleading, are true and correct to the best of his knowledge, information and belief. Matthew D. Urban, Esquire CERTIFICATE OF SERVICE ect co of Motion to Enter Plaintiffs Summary Judgment has been served by A true and corn PY A_ 20_L--, upon the following: U.S. Mail, on the 11 day of BRADFORD DORgANCE, ESQUIRE EET & RAHAL, LLP KEEFER WOOD ALLEN 210 WALNUT STREET PO BOX 11963 HARRISBURG, PA. 17108 By: Matthew D. Urban, Esquire #8. DISCOVER BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. EVA G. DEBRAGANZA Defendant NO. 2010 - 3077 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER, GUIDO JJ. ORDER OF COURT 6? ICJ < C; w? "T 1 ? c C? AND NOW, this 25TH day of JULY, 2011, upon Plaintiff's Motion to enter Plaintiff's Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that the Motion is GRANTED and Judgment is entered in favor of Plaintiff for $11,811.07 with interest at the rate of 29.99% per annum from March 12, 2010, Attorneys' Fees of $125.00, plus costs. the Court, Benjamin R. Bibler, Esquire 1400 Koppers Building 436 Seventh Ave. Pittsburgh, Pa. 15219 S Q Bradford Dorrance, Esquire 210 Walnut Street P.O. Box 11963 Harrisburg, Pa. 17108-1963 Edward E. Guido, J. Court Administrator - in le IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION (7) r DISCOVER BANK r- -<> rn o° r ; N --t Plaintiff Case No.: 10-3077 TYPE OF PLEADING = -- ?rn x vs. PRAECIPE FOR JUDGMENT PER ORDER OF COURT EVA G DEBRAGANZA FILED ON BEHALF OF: Defen&nt. Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T Molczan, Esquire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 08253751 $17127.97 14.00 PD ATt'/ all 10105580 E0 a&4Mal? ?crhee ?.?C? IN THE COURT OF COMMON PLEAS OF CUMBERLANDCOUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. EVA G DEBRAGANZA Defendant. TO THE PROTHONOTARY: Case No.: 10-3077 PRAECIPE FOR JUDGMENT In light, of the Court Order granting Plaintiffs Motion for Summary Judgment in favor of Plaintiff on July .:5, 201 1 kindly enter Judgment against the Defendant, EVA G DEBRAGANZA, in the amount of $17127.97 computed as follows: Amount Awarded per Order: $11811.07 Interest a•. the interest rate of 29.99% $5191.90 From March 12, 2010 to August 29, 2011 Attornevs' Fees TOTAL: $125.00 $17127.97 Attached is a copy of the Court Order in favor of Plaintiff for Judgment. WELTMAN, WEINBERG & REIS, CO., L.P.A. By: l?iUc , William T Molczan, Esquire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Sevent>> Avenue Pittsburgh, PA 15219 (412) 434-7955 Plaint`.'ffs address is: c/o Weltman, Weinberg & Reis, Co., L.P.A., 1400 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219 And Defendant's address is: 407 SCOTT DRIVE, SHIPPENSBURG, PA 17257 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that the parties against whom Judgment is to be entered according to the Praecipe attached are not members of the Armed Forces of the United States or any other military or non-military service covered by the Soldiers and Sailors Civil Relief Act of 1940. The undersigned further states than. the information is true and correct to the best of the undersigned's knowledge and belief and upon information received from others. WELTMAN, WEINBERG & REIS CO., L.P.A By:" William T Molczan, Esquire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08253751 #8. DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. EVA G. DEBRAGANZA NO. 2010 - 3077 CIVIL TERM Defendant IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER, GUIDO. JJ. ORDER OF COURT AND NOW, this 25TH day of JULY, 2011, upon Plaintiff's Motion to enter Plaintiff's Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that the Motion is GRANTED and Judgment is entered in favor of Plaintiff for $11,811.07 with interest at the rate of 29.99% per annum from March 12, 2010, Attorneys' Fees of $125.00, plus costs. the Court, Benjamin R. Bibler, Esquire 1400 Koppers Building 436 Seventh Ave. Pittsburgh, Pa. 15219 Bradford Dorrance, Esquire 210 Walnut Street P.O. Box 11963 Harrisburg, Pa. 17108-1963 Court Administrator Edward E. Guido, J. L9 E- z 3 q s- IN THE COURT OF COMMON PLEAS OF CUMBERLANDCOUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff Case No.: 10-3077 VS. EVA G DEBRAGANZA Defendant. NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendants ( ) Garnishee You are hereby notified that th fo lowing Order or Judgment was entered against you on _ (xx) Assumpsit Judgment in the amount of $17127.97, plus interest at 29.99% per annum, plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of (xx) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration Award ( ) By Consent Prothonot EVA G DEBRAGAN7_A 407 SCOTT DRIVE SHIPPENSBURG, PA 17257 By: PR unru TY)