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10-3599
BLED- Wra OF THE PPCiT TTARY 2010 JUN -I PM 3: 17 $?s??C}UN?'Y `'Yl.Y11t? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: fUf 3 S?g 4'"V. ? felts vs DENISE A STARNER COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08251326 C A Pit EMR IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No DENISE A STARNER 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: DENISE A STARNER 299 STARNER STATION RD GARDNERS, PA 17324 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX8304 . 4. Defendant made use of said credit card and has a current balance due of $8308.37 , as of March 11, 2010 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 20.240% per annum on the unpaid balance from March 11, 2010 . A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1" 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 , DENISE A STARNER individually , in the amount of $8308.37 with interest at the rate of 20.2400 per annum from March 11, 2010 plus attorneys' fees of $125.00 , and costs. James C. WELTMAN, 436 Seve Pittsbu (412) 4 FAX: 4 2 082513 6 This law firm is a debt collector attemp our client and any information obtained ar ro t,42524 EINBERG & REIS CO., L.P.A. h Avenue, Suite 1400 PA 15219 7955 38-7130 A Pit EMR to collect this debt for be used for that purpose. R Payment Due Date Minimum Payment Due DISCOVEMarch 23, 2010 $1,495.00 New Balance $0.00 28 SDSN8A01 0005457 DENISE STARNER 299 STARNER STATION RD GARDNERS PA 17324-8960 Address, e-mail or telephone change? Go to www.Ditc0~x= or print change in space above. Account Number ending in 8304 Enter Amount Enclosed Below $ r? Go paperless and make your account information more secure with password_ protected statements only you can access. Leam more at discovercorNpaperless. PO BOX 6103 Illurllunatrllnlrllu?l CAROL STREAM IL 60197-6103 Irllrrllrrrrrrlllrlrrlrrrlrllrrrrrllllrrrrrllrllrrrrrllrrlrrll 000001986458111910309000000000000000149500 Opening Date: February 3, 2010 - dosing Date: Discover More Card Account Summary Cardmember since Account number ending in 8304 Previous Balance $8,308.37 Payments And Credits - 8,308.37 Purchases + 0 00 Balance Transfers + . 0.00 Cash Advances + 0.00 Finance (barges + 0 00 Other Fees * + . 0.00 New ce 000 See Finance Charge Summary section following transactions for detailed APR information Credit Line $6,800.00 Credit Una Available $0.00 Cash Advance Credit Line $3,400.00 Cash Advance Credit Line Available $0,00 +See transaction detail for a description of any fees charge --- -- -- Anniversary Month November Opening Cashback Bonus Balance $ 0,00 New Coshbock Bonus This Period + 0.00 Cashbock Bonus dafance $ 0.00 To learn more, log In oI www.Dimovor.com and select Rewards iry 28, 2010 page 1 of 1 Payment Information New Balance $0.00 Minimum Payment Due $1,495.00 Payment Due Date March 23, 2010 Lops Payment Warring: 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 25.24% variable. Manage Your Account Online at www.Diswvw.com Securely access statements. and free online tools, pay bills online and track and view all transactions simply and easily • Make your money worth more 5M -find easy ways to earn -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.Discover.com 2. Call 1-800-DISCOVER (1.800.347-2683) Please have your Discovers card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 8,4130 For TDD (Telecommunications Device for the Deal) assistance, please call T-800.347-7449. Transactions Trans. teDat Payments and Credits Feb 28 Feb 28 INTERNAL CHARGE-OFF -- - $ •8,308.37 Fi n ance Charge Summary - (rage current billing period: 26 d y ays B91dilm Daily Periodic Rates Nominal ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RAT Periodic Fes Other Fee FINANCE Purchases $0 Cash Advances $0 0.05545% 20.24% V ES 20.24% - $0 $QJARQEL_ 0 V = Variable Rate 0.08216% 29.99% V 29.99% $0 $0 r 825 a side. RISC'?VFR' VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that he is James Ball (Name) Team Lead of DFS Services LLC , plaintiff herein, that (Title) (Company) he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. WWR# 8251326 Denise A. Starner 1 8304 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ~~~~ vy-~.,~~~ Sheriff r . r n~ r i i+ ;'r,4jZ~{ ~~~~~ts+ of l.Itri~Ger~~~~~ ~~iF ~'{~ ~s .-.y Jody S Smith Chief Deputy ~~ ~, ~~~~ ~~RQ~~ "`~ ~~~~~ 44 Richard W Stewart ~~ Solicitor aFric~~aw~~~=~c~iF~ eUl~'~').~ h ~_' ,~ ~.'.}rui~f ti, Discover Bank vs. Case Number Denise A. Starner 2010-3599 SHERIFF'S RETURN OF SERVICE 06107/2010 07:54 PM -Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on June 7, 2010 at 1954 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Denise A. Starner, by making known unto herself personally, at 299 Starner Station Road, Gardners, Cumberland County, Pennsylvania 17324 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $37.90 June 08, 2010 DENNIS Y, DEPUTY SO ANSWERS, ~~ ~f~_""""--,- RON R ANDERSON, SHERIFF lcj CnunfySuite Sheriff. Teieosoft. Inc. ' ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Discover Bank, Plaintiff(s) v. Denise A. Starner, Defendant(s) Docket No.: 10-3599 PRELIMINARY OBJECTIONS TO COMPLAINT Filed on Behalf of Defendant Counsel: The J. Murphy Firm 210 Grant Street, #301 Pittsburgh, PA. 15219 (412)521-2000 Joseph Murphy, Esquire Pa. Supreme Court I.D. 83120 n C_ 'f7 t'~ i f ,-i r` `': .. ~' ~ !',_ ~: .. ;,. c ~~~~ .-~ osisiN N O i- 1::~ -S7 C-.. -.~ i ~.'.'.:~ i 11 -~ r~ _. ~: a _~ -~ C,,J `--~ i• ~Ti •< ' ` - IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Discover Bank, Plaintiff(s) Docket No.: 10-3599 v. Denise A. Starner, Defendant(s) CERTIFICATE OF SERVICE I, Joseph Murphy, counsel for the Defendant in the above captioned matter, do solemnly swear that the foregoing RELI ARY OBJECTIONS TO COMPLAINT I IN SUPPORT OF PRELIMINARY OBJECTIONS TO COMPLAINT OTION/REQUEST/PRAECIPIE FOR ARGUMENT were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below: James C. Warmbrodt, Esq Weltman, Weinberg and Reis Co., LPA 436 Seventh Avenue, Suite 1400 Pittsburgh, Pa 15219 ' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Discover Bank, Plaintiff(s) Docket No.: 10-3599 v. Denise A. Starner, Defendant(s) PRELIMINARY OBJECTIONS TO COMPLAINT Now comes the Defendant, by and through counsel, the J. Murphy Firm, and Joseph Murphy, Esquire and bring(s) and file(s) the within Preliminary Objections to Complaint, averring in support thereof as follows: OBJECTIONS TO CONTRACT CLAIMS 1. The Complaint references a credit agreement or contract. 2. No averment is made as to whether said agreement is oral, or written. 3. The foregoing amounts to a violation of Pa. R.C.P. §1019(h), as amended, which requires that, °When any claim or defense is based upon an agreement, the pleading shall state specifically if the agreement is oral or written." 4. Accordingly, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. 1028(a)(2) for violation of rule of court 1019(h). 5. Although the Complaint references a credit agreement or contract, no copy of the agreement or contract is attached thereto. ' 6. The foregoing amounts to a violation of PA. R.C.P. §1019(1). 7. Accordingly, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. §1028(a)(2) for failure to conform to Rule of Court 1019(1). OBJECTIONS DIRECTED TOWARD LACK OF SPECIFICITY 8. Pa. R.C.P. 1019(f) requires, inter aiia, that items of special damage be pled with specificity. 9. In the context of a credit card case, items of special damage, which are to be specifically pled, include the dates and amounts of charges, fees, fines, interest, and the like. 10. In the context of a credit card case, the requirements of 1019(f) are normally met by attaching copies of an un-interrupted chain of credit card statements, starting with a zero balance and ending with a statement showing the amount sought in the complaint. 11. It is respectfully submitted that the neither the Complaint, nor the documents attached thereto, specifically plead the items of special damage underlying the case. 12. This renders the Complaint the proper subject of preliminary objections, pursuant to Pa. R.C.P. 1028(a)(2), for failure to conform to Rule of Court 1019(f), and the proper subject of preliminary objections, pursuant to Pa.R.C.P. 1028(a)(3) for insufficient specificity. ' WHEREFORE, Defendant respectfully prays that the Complaint filed by the PlaintifF be dismissed with prejudice, or, in the alternative that the complaint be stricken, and the PlaintifF be required to plead over in accord CA~AL ~l F~;_ -_ _ ? i ~,,pV ZGtO?i:? I~ ~ar !~ ~~ C~,~~~~= PRAECIPE FOR LISTING CASE FOR ARGUMENT r ,w~f?~r (Must be typewr[tten and submitted in triplicate) TO THE PRO ONOTARY OF CUMBERLAND COUNTY: (List the witt-in matter for the next Argument- ) CAPTION OF E (enUra caption must be~sfatediiin fu!!) ~ISC© ~-ec" ~lL vs. No. ~ ~ ~ ZOt b Term 1. State after to be argued (i.e., plaintiffs motion for new trial, defen`,danYs demurrer to 1 comp int, ebc.): ~~~e~~ cn.` ICtc.,tw cti ~ r C~"- 5 ~ C~• 1~.~^ ~ 2. Identi all counsel who will argue cases: (a) far plaintiffs: AA • (Name nd Address} /' ~~ ~i ~i~ ~ S ~ (b) r defendants: 3. I will notify all parties in writing wi#hin two days that this cas~,.has•-been listed for 4. Argur>hent Court Date: Signa ~ Y)~ "`Pl~'7' your na ~-~;~.ti~,,,~- Z ~ Attorney for Date: INST UCTIONS: 1. Two copies of all Briefs must be filed with the COURT ADMINISTRATOR RI61NA (not the Prothonotary} before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding patty shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be flied with the COURT ADMINISTRATOR (not the Prothonotary) after the case is rellsted. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff(s) v. DENISE STARNER, Defendant(s) Docket No.: 10-3599 -ORDER- On this day of , 20 , it is hereby ORDERED that Plaintiff's Preliminary Objections is stricken. Plaintiff may file an amended complaint within 120 days. If Plaintiff fails to file an amended complaint within the time set forth above, the Prothonotary, upon Praecipe of the Defendant, shall dismiss this case with prejudice. BY THE COURT: J. SENTEDI T~ ENTRY OF THE ABOVE ORDER: Y Rowland _ ~ `~; ~. ~= c~,~ _ ~ '~~ ~"~~ < < ~, v ~ ~ M` THE ]. MURPHY FIRM 210 GRANT STREET, SUITE 301 PITTSBURGH, PA 15219 (412)521-2000 Cumberland County Prothonotary 1 South Court House Avenue Carlisle, PA 17013-3323 RE: DISCOVER BANK v. DENISE STARNER Cumberland County Docket No.: 10-3599 Dear Prothonotary, Enclosed you will find an original and one copy of a consented-to order disposing of Defendant's preliminary objections to Preliminary Objections. Kindly forward this through channels so that a judge can sign this order, cancel any scheduled argument (if any has been scheduled), and return the signed order to me in the enclosed SASE. ,Yours, ]osep~: Murphy IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ,CIVIL DIVISION r DISCOVER BANK, Plaintiff(s) Docket No.: 10-3599 C" V. cry DENISE STARNER, Defendant(s) -ORDER- On this /A* ? day of oo , 20 to . it is hereby ORDERED that Plaintiffs Preliminary Objections is stricken. Plaintiff may file an amended complaint within 120 days. If Plaintiff fails to file an..amended complaint within the time set forth above, the Prothonotary, upon Oraecipe of the Defendant, shall dismiss this case with prejudice. BY THE COURT: 1. RE ABOVE ORDER: ? v IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AuU CIVIL DIVISION ?U10 DISCOVER BANK, » 0 Plaintiff(s) Docket No.: 10-3599 Q V. DENISE STARNER, 16 Defendant(s) -ORDER- `1. On this /q" day of 20 "a , it is hereby ORDERED that Plaintiff's Preliminary Objections is stricken. Plaintiff may file an amended complaint within 120 days. If Plaintiff fails to file an amended complaint within the time set forth above, the Prothonotary, upon Praecipe of the Defendant, shall dismiss this case with prejudice. BY THE (COURT: J. NTEQ TAPS ENTRY OF THE ABOVE ORDER: oseph M r by J L ds Rowland ? L £ S IYL,? L to s jw? to IN TI-=IE C'OURT OI' COMMON PI ~I;AS OF CUMI3I~,~L,r~ND C'OUN`~I°Y, PENN SY1_.V ~j~~ I ~, C'IVII. AC"LION t~ DISCOVER BANK, Plaintiff, V. I)I?NISI.:~. S'L.AIZNE:.K, D~f~~~aa~,t c ~~ c~ R~ ~~ cn ~ ~~ ~ c-~ ~~ ~~.: I Q-) ~~~~~-CIV III rIL.I;I) ON BI?1-LAI,F OF: Plaintiff CC)t NSI:E, t)I~ I:E('OEZ1) t)I~' I }IIS 1'AIZ"1'Y: ~ubb~~itid I?v: Plaintiff N 0 ----a r.~ ~~ cJ i c~ -n --~ m~ ~~ ~°, --s o ~~ o -'n ~~ --i'~~' ~~1~atth~~~~ I) trban, l.:'.squire I'%~ E.I. 20>>2() WII."I~~IAN. ~'I~,INI3I:RG & RI~]S Ct).. I ,.I'.:~ 1400 Kc~pPe~°s Builclinr 4 ~6 5evet~th .h.~~3~ue Pittsb~.~r~h. PA I S? 19 ~'4'~'~'I~' R?~il ~~(i IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff vs. Civil Action No. 10-3599 DENISE A. STARNER, Defendant AMENDED COMPLAINT 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. TF 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) 24.9-3166 AMENDED COMPLAINT Plaintiff is DISCOVER BANK, a corporation with offices at c/o DFS SERVICES, LLC, 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054-0000. 2. Defendant, DENISE A. STARNER is an individual residing at 299 STARNER STATION ROAD, GARDNERS, PA 17324. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. COUNT I-BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. On or about November 20, 2006, the Defendant submitted an application to the Plaintiff requesting that the Plaintiff issue the Defendant a DISCOVER BANK credit card. A true and correct copy of the November 20, 2006 application is attached hereto and made a part hereof as Exhibit "1." 6. Thereafter, the Plaintiff made an offer to the Defendant to open a credit card account by mailing a DISCOVER BANK credit card, bearing account number 6011002072178304, along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit " 2." 7. Defendant subsequently accepted Plaintiff s offer to open the above credit card account by using said card to transfer balances. $. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 9. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from January 2, 2007 -February 28, 2010 are attached hereto and made a part hereof as Exhibit " 3." 10. Throughout the term of the account the Defendant was sent updated written terms and conditions for the account, with the most recent applicable terms attached hereto and made a part hereof as Exhibit "4." 11. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 12. Defendant made periodic payments on the account with the last payment made on the aforementioned account occurring on June 25, 2009 in the amount of $132.00. 13. Defendant has breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 14. The balance due and owing to the Plaintiff on the aforementioned credit card account as of March 11, 2010 was $8,308.37. 1 S. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 16. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. 17. The Plaintiff avers that the "Default Acceleration -Collection Costs" provisions of the cazdholder agreement provides that he Defendant will pay Plaintiff's reasonable attorney fees. 18. Plaintiff avers that such reasonable attorney fees shall amount to $125.00. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, DENISE A. STARNER in the amount of $8,308.37, with interest at the rate of 20.24% per annum from Mazch 11, 2010, plus costs and attorney's fees in the amount of $125.00. COUNT II-UNJUST ENRICHMENT 19. The averments contained in Paragraph 1 through 18 above, aze incorporated herein by reference thereto as though herein set forth at length. 20. Defendant has used her DISCOVER BANK credit card to purchased goods, merchandise, and services. 21. By making use of said card, the Defendant has had a benefit conferred upon her through the use and enjoyment of those goods, merchandise and services purchased. 22. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit " 3," and as such has improperly retained the benefit(s) conferred upon her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, DENISE A. STARNER in an amount not in excess of the arbitration limits. Respectfully ' mitt d, It~latth4~v 1) [ r[ian l~;;yun•e PA I.D. 2t),>~~[~ W~II."CM~Iv, WE(Nl3I-,RCi & RI~~;IS CU.. I,.P.A 1 X00 Koppers liui Idin~~ 4i6 Se~cntli ~~>~.enue Pittsburgh., P:1 1 X219 VIrWR: 825132Fi •~;iAfr'f':'!:T.-'~n :~?-,Ti•~•c ~?:''R~;'ki a..9;-n...rg7,E~-,-ra .Y~'I~i, ~...~K^~'^~'14 ~yWL~-•'~ML9niu.w~ . -•~ ~ ... ~ .. ... ~ .._ - ~"^~ea~~~~?'~~J.-. aunt: -~',.... - - @ PERSONAL INFORMATION 'a.:„nr.n~p'~aKdkmeplr.dd,aPd~Ea. d 9 ~ - ~ 5n . T` ~ ~~ I 'MVK~ PHONE . _ ~ EMPIAYFR IENi~enfy SAT~4 FS W 1 J •lE1JGTH OF 71ME Ai PRESENT ADDRESS ~ YJARK;PFIONE ~7: ~ ~ 7" a V S a Y O D • c I7enise'A. Shmer 299 Sbrnet sbhon Rd. : : veAFS ~,:fr .. - ~ F; Gardners,PA,7324.B960 .. i OWN rJ RENT ~ 'rr'tl .(~ S e 7•C e ~ ~ . fi , ~ ~(- ::. ~: ` , ' MON1H[i HOUSING PAYMENT`: ; . • ~ ; , ' , ', p ~ ~ r ? J ' JO[AL HDlY~9fO10 MKOMF" - - • , . 1 a 6. m leer 1 a r.. ~ayl • ~ ~. NFU „„w~ ~. ,.,.-d. m.,,..«K. M. m....e ~'s. +i rn.cM~am..w.wl.~:... rod.,rnm bmb kr. ~.fawr , s 9 a wi.....,~., r~.'•'.~'he.: • ~~...~ na.. ~.. 1 ~ INVRATION 1i: .~cZ a ~, Q °':,S.x"""' ~'"'da"e "`. °" °"°`"`'d. 7 9 23 3 5 9 0 987 5 3 ~ 'CHECK IF. ^ FUILTIME STUDEM ~ ~~ // ~~~ ~~ /-- ~~// /~~ /-~ ~~ ~-p~/-y1'Vf•1rIL i ( ElAAR ADDRESS Swv:d'yF'+•^wY wide..aaWieiwladdw...w.«d'p.'+~o~q'•'A<ww.'sdx~kwa,dw~e'd~.l ~x ~•upp b.P25~ • 20D6 3Q i - _ , ~er RiPLY BY: Decm ADDITIONAL CARD __ ~ Add Ri• p•opk doseai w you to your occouN fa FREE. Pnpor• them for emxg•nci•s and •,+.ydoy PurcAm.s-wFil• you s.+v fo i i - ~i ____....-...._~................... ~ .. ~ - -... .... con~ral of yo.r ec _. //, l.~Olo 4.: ~1~~T'O',~tl.na.. iia.:ea.:ei»v:~r~ ~;~ ~: .:Ajyi~MP!~?~v'L"Pua'+Hbo~ia'6p~dn'IrLCb.«4::r: I~. i' . -~ - program. You can redeem for cash credit your Discover Card Account, make a deposit to your be or request a check) or increase your Casbback Bonus when you redeem for gift cards from our 70 Partners. (~:. Who are some of the Casfs6ock Bonus Poriraers? A: We have brand-name Partners across marry categories: restaurants, home, entertainment, fashion, ' travel. Great Partners such os Red Lobster, Bed Bath & Beyond®, Staples®, The Shorper Images, BL( Borders Books 8~ Music®, Gap, land's End®, Omaha Steaks and Enterprise RentA-Car. FlSV311A1S Y~ canpkld AppfKation in the envebpe prDYided tac PO Box 31200. Salt laws Gty, UT84t31-9806 ! _ ~ ~r ~ 7 r~ ~ , ..- '~ a - _.. DISCOVER' IMPORTANT INi"ORMATiON ABOUT YOUR DISCOVER• PLATINUIUi CARD ACCOUNT CAROMEMBER AGREEMENT The terms and conditions of your Account, inducting how we taiculate finance charges, our fees and an Arbltratlon of D[sputes section. You have the right to reject the arbl~atlon provision with respect to your new Aaount within 30 days after nrcelving your Card, as explained in the "Acceptance of Agreement and Right to RejedAr6itratfon"section. SEE PAGES 1.12 PRIVACY POLICY A summary of the personal information we collect, when it maybe shared with others, and how we safeguard the confidentiality and severity of information. You may limit our sharing of such information with other ... , .... ,SEE PAGES 13 - 16 l3Il.UNG RIGFfTS Important information about your rights and out responsibilities under the Fair Credit Billing Act , , .. . ............................:.SEE PAGES 16-17 DESCRIPTION OF COVERAGE The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Colfuion Coverage that is provided at no dzarge to you when you use your Card to purchase airline tickets or rerrt an automobile..... SEE PAGES 17 - Z3 02008 Drover Bank, Member FDIC P314001.0406TL17 w.. ,~.yj ~:, - _ __ URDMEMBER AGREEMEid7 Please read this Agreement raretugy before usltg your Discover' Caryl Aaowtt. ft contains the terms and tartdlgorts of your Account, some of whkh mayhave clanged tree Barger materials provkkd to you: In the evaM of any diffe-enees, lids Agreement shag control. liye respect your privacy: Sea the Pr-tracy Secifat on page 9 grid our Privary Pogq. for additional Mfarrrratbn. The Arbitration of Disputes Section on page 11 indudes a waiver of a number of rights, inducting the right to a jury trial. Acceptance of Agree- tnent and Rrght m Refett Arbitration section. on page 2 describes the procadtxa yet must follow ff you desire to reject the Arbitration of Disputes Secgon. CARDMEMBER AGREEMENT Agreement Terms .............................,,............ 1 Acceptance of Agreement and Right to Reject Arbitration ......................................... 2 'Use of Your Account ......................................... 2 Authorized Users ................ ......................... 3 Unauthorized Use ......:.................... ... 3 Credit Limit Ava0abk Credit .................................. 3 Promise to Pay .................................... 4 Monthly Billing Statement .................................... d Monthly Payment Options ................................. A Minimum Monthly Payment ................................... 4 Credk Balances ................:.............:.............. 5 Balance 7rarnfen ...................... ................. 5 Periodic finance Charges ..................................... 5 Default Rate Plan ....... ...... ....................... 7 Cash Advance Transaction Fee Finance Charges ........:.......... 7 Balance Traroier Transaction Fee Finance Charges .................. 7 Minimum Finance Charge ..................................... 8 Late Fee. ...... ............ ......................8 OverlimitFen. ....................................8 Returned Payment Fee.... ................................ 8 Retuned 4uoover Card Check Fee ............................. 8 Stop Payment Fee ........................................... 8 Pay-byPhate Fee ........................................... 8 Research Fee ............................................... 8 Defauh-Acceieration•Coilection toils ........................... 8 Cancellation..... .:...... .............................. 9 Electronic Communications ...................................10 Credit Authorizations ....................................... 10 Change of Terms ........................................... 10 Change of Address or Telephone Number ...................... 10 Assignment of Aocaunt ......................:............... 10 Claim Notices ...............................................10 Arbitration of D'spates ...................................... 11 Severabgity .. ... .. .........................12 Compliance with interest Rate limitations .......................12 Governing Law .............................................12 AGREEMENT TERWIS. The word "Attourtt" means your Discover Card AuouM. The word "Card" means any one or.more Discover Cac~ issued to ~rou or someone else with your authonzatlon. The words "you", "your", or "yours" refer to, in addition to you, the Cardmember, any -1- other person or persons who are ako corttractuagy liable under this Agreement. The words "we", 'us" and `our" refer tD 1Nstover Bank, the issuer of Dtswver Card. The words "Atrthotized Use" mean any ixtrson whom you authorize to use your Aaount or a Card, whether you notiy ro or trot. The words `Pricing Sdtadule" mean the docunent accomparritirtg yotrCard and I~inq the Essence dlu~ti+at apply to your AccotNrt. The Pricing S~e k part of this ACCEPTANCE OF AtrltEt:MENT AND THE RIGHT TO RE>EQ AABTiRATION. The use of your Account or a Card ~yyou or an Authorized User, or your .failure to cancel your Account w ihm 30 days after receivir+g a Card, means you accept this q~reement, inchrdirtg the Arbitration of pispputes ovisron on pages t t-1~. You rosy, hovweveti reject Ure Arbibation of section by us a noNte of widtirt 3a days after retching a at the lowing addres~ Card, P.O. Box 30938, Sale lake CilK UT E4130~3& ff you were previously subject to arbitration with respell to any account wrth us, this rig to reed arbitration will not ply to you. Your rejection notice must tndude your name, address, tE v~tone number, AtcaurK twrnber and sgnature and must rat be sent vtth any arther correspatde~xe. Caging us to intScate that you reject the Arbitration of Drspu~s section or n a rry'ection rotice Gr a matuter or format that does rat mmpy with cif applicable retlydranettts b iruufficent rtotlce. In order to process yotr notice. we regsdre that y-a notice be ptoykfad by ytw dkecdy and rat througft a third Refection of tration q rat affect ~ other rights or respomi~ urwier this Agreement or ablrgatian to arrbbhrate disputes under any other accowtt as to whidr you and we have al~eed >p arbitrate disputes. ff you do oat send a rejection notice, you veil be abggated by the Arbitration of Disputes section with respect to the and any atmtstt you have had with us, even ff you have previously sent a re notice with respect to that prior aaourtt. USE OF YOUR ACOOt1NL Your Aaarrtt may be used for. • Purchases - to purchase or lease goods or services from particpating merdiartts by presents your Card ar Accourft number or by using promotional drecks, wh~ we fumbh to you, in accordance with such additional terms and cond as we may offer from time to tittle • Cash Advance -to obtain cash advarxes from parttcipatirg auborrwted teger machines, financal institutions or other krcatans, the purchase of lottery tickets, racetrack wagers, votrcters redeemable far cash or for cashes d~ money orders, traveler`s ctedcg savings bonds, foreign cturertty, and wire trmasfer; or by mess of diedcs which we may ftrm'sh to you, sit in aomnfance with such addrtional terms and conditiarts as we may offer from time to time. . • Balance Transfers - to trertsfer balar-eed from other creditors or to make other trarssactiokts by means of balance trarnfer coupons or dtedcS in accordance with wd+ additional terms amf cond'ttian as we may offer from time to time. in additioon, your Aaaurtt may be used to guarantee reservations at partidpaUng establishments. You will be gable for guaranteed reservations that are rat cancelled prior to the time specified by the establbhment Your Actarnt may be used for personal, family, hotaehoW and dtatitable proposes. Your Aokautt may rat be used to obtain loans to purchase, carry or trade in searitles, in arty amount you awe kinder the gyrer ment or for ~Y transactions that are unlawful where you reside or _Z_ where you are physicagy hated when you use the Account to Mitiate a~iuacG'on "PPrrohibtted Transaction". Prior to its use. each Cat'd sired by the won to atiwm k b iced. We are not respons~le the refusal of to aaept or honor a Card or to accept chedti thrt we have pr~you. You must return any Card or unused checks ~ us upon request. ff a merdtant folk to provide ya~x purchaaee Tn your satisfaction and recprest a credrt to your Account, wrs wilt imes<igate the dispute. tf wit resohre the dispute m your fava` we will issue a «ed'd to your Account and you will ire deemed to have assitined to us your claim against tfie merchant and/or aryr third party for the credited amount Upon our request you. agree to provide us wkh written evidence of such assignment Your riqq~~ts and responsr'bil'dies under the Fair Credit BiNing Act described in the bikinngg rights summary on owes 16-17 and on the back of your monthly billing statement apply on y to credit card transactions. The Special Rule for Credit Wrd Purchases does not apply to purdtases made with a balance transfer check, cash advance, or promotional purchase check. Therefore, ff you have a problem whit tits quality of goods or services that you purdtased with a balance transfer chedy promotiorwl yothave the rk~tfa~ wRhhold paymadtt of die amo~nt du~'ce' Al1THORRED USt3tS. ff you want to arxel the authority of a.areM Authorized User to use your Aooutrt err a Card. you rnusC rwtdy us in writing or by a and destroy any card in t personY possession. None of yourtr gander this Agreement (other than to ay amounts owed) may be exercised by a~I person not a party to thisp Agreement acting pursuant to a pourer of a omey wthout our separate written agreement (which we are not oblttgat de to give). UNAUTHORRED USE. If a Card a bst or stolen, or if you think that someone b using your Account or a Card widtout your permasfan, us imtned'~te1y You an ratlip us tokphoning 1-800-DiSCOYER ( - 800-347-268.3), or by wrong DIXOVER CARD, PO Box 15156, Wilmington, DE 1 1002. You a ee to assist us in determining the facts relating to any theft or~urwudarized use of your AacouM or a Card and to wmply th such procedures as we may rreeqqtusire in connection with our investigation, ff u have enrdled in an a< ti oimatK baling arrangement such as a mont~r gym membership, and wish to continue the autontadc bi~r-g arrangement, you must provide the merd-ant with your new Acwunt number. CREDTT LIMTFAVAtIABLE /REDIL We wiq advise you of your Aaount aedif IimiL We may iripoae a krwer Ilnrit that will a to cash advances, referred to as the cash advance oedk limit may also impose a Iowa Ilrnk that wql apply to balance transfers, rrFerced to as the balance transfer a~edk limit au cwt to allow your unpaid balance, inducting Faience Charges and fees, to exceed your Aeomtnt uedk gmit. ff you exceed your AaouM credit Rmft we may request immediate payment of the anwunt by whkh you exceed your Aaount vedK limit We may increase or decrease your AccWrrrt aedk ihnit, your ash advance crept limit or your balance transfer credk limk without notice. The aed'd aragatrle for your use may, from time to time, be les than your Account credit Ignk. For purposes of determining your available credk, we resew the right to postpone for up to 15 business days reducing your unpaid balances by the amount of arty payment that we _3_ receive. Your avagabie credk will not be increased by the amount of any aed'd balance. PROMISE TO MY. You aggrreeee to pay us in US. Ddlars for aq purchases, cash advances and balance transfers inducting appgable Finance Charges and other dtarges or fees, irrrarrred by you or anyone you authorbe or permit to use Aaount or a Card, even ff you do not notify us that others are yarr Account or a Card. We will convert purchases and cash advances made In a foreign currency to US. Dollars at the rate Hre are charged on the date of comrersion. if you pay us in other than U.S. Dollars, we may refuse to accept the payment or charge your Attount our cost to convert your payment to US. Dollars. All checks must be drawn on funds on deposk in the U.S. You may not use a cash advance dteck, balance transfer check or coupon, or any other promotional dtedc drawn on arty Discover Bank credk card amount to make payments on your Account. if Qur Account is a Joint Aaount each of you agrees to be liable individually and jointly for the entire amount awed on your Account We Carr accept late payments or partW payments or checks and money orders marked " Min full" a with any other restrictive endorsement whhout losing arty of our rights under this Agrae<nent. MONTHLY BILI,M~i STATEMENT. wb win send you a billir>9 statement after eadt mptrtltly bigirg period in vrhMr you bare a d~iit or credft balance, iarlers we waive our ' td do so as permitted by law. The bil~~nqq statement vvtii show aR pundtases, cash advances, balance trartsTas, finance Charges and other dtarga o- fees and all pa~ymerrts or other credits posted to your Aaarnt during the biging period. It vwll show your New Balance, Minimum Payment hue mid Payment Due Date, MONTHLY PAYMEHi OPTIONS. You may st arry time pay file entire New Balance shovvtt on your bitgrg statement but ~ erordFr you must pay at least the Mirdmum Payment Due. Aq payments must be made in aaordarxe wkh the tams, hrduding the payment artoff time, stated on your monthly M'Ring statement, acct uue will credk your Account m aaordance vufdi tiwse terms. ldaddrtlon, we reserve the right to rhonge -those terms .wkhout prior notice u permitted by law. tNe will spph~ payments and aedds o the New Balance shown on your current bi ng statement m order of the Annual P~atxntage Rate applkable to the balance of eadt transaction (as referenced m the Periodic Finance Charges Section), general kwrest to highest beginning wig the batarsoe wbiect to die lowest Annual Percentage. We then crests to new pptrppayynsactions the same balances cultic higher Annual Per~certtage ><aies ~ to badlarxas with lour Annual Percentage Rates, such as when there are taro hritlal spedal rates appgca to r AaouM and the lower Annual Peroarfage Rate wIA expire before the hitter Annual Percentage Rate. MINBtWM MONTHLY PAYMENT. The Minimum Payntent.Due each month wilt be the of: (~ S15 or d-e New Balasrce tf the New Balance h less than 15; or (~ any amount past due plus tfie greater of (a) 2% of the New ealartce (excl~q current Period Finaixe Charges, late and Overlimit Fees)) or (b) arrrenf Period Finance Charges pka Late and ONargmit Fees pus s15 (not to exceed 3% of the Nrw Balance), wkh (a) and (b) rounded up to the nearest dollar. However the Minimum Payment Due will- never exceed the Hew Balance: in wkulating the Mmimum Payment Due, we may subtract certain fees added to your Accotutt during the billing Period 1Ne may oho include in your Minimum _q_ mt Due all or a portion of the amour-t by which your outsta x exceeds pour Aaount uedit limit as of the last day of the I. Paying the Minknum Payrrxnt Due may be inwffiaent to yourAOCOirm wtar-cetuiowyour acoosuit aeon taiiitantl„ w may not avoid the impodtion of an additional r)verNmft Fee de/ the Overtimit fee Section. We may from time to time aNow you to not make a minimum monthly paymerrt, and will notify you when this option Is avail~le. M you take advarrtage of this offer and do not make a minimum montfily payment, finance diaryes and any ~plkable fees will acaue on your Auount in accordance with this Agreement, and you must pay the Minimum Payment Due for the following billing periods. CREDIT BAIJINCE3. We will refund any pzdit balance within seven iwsirre% days frorn receipt of ur written request tf you do not re oast a refund, we wNl automatkal~i refimd aedk balances greater than ~t.00 that remain in your Aaount after 6 months. BALANCE TRANSFERS. VYe may periodically offer you the opportunity to transfer balances from other cred+tors or to make other transactans to your Aaarnt by means of balance transfer coupons or d!iecks. Eadi offer will contain an initial special rate, which will be the Annual Percentage Rate that vtnTi apply to transferred balances for the time period spedfled in the offer, subject to the Default Rate Plait Section, and may captain a Balance Transfer TrarisaNon fee finance age for each balance transfer made durhrgthe farm of the offer, as~drsdasadat the offer and as set forth in the rig Schedule, ff applkabk. After the expiration of wiN ~lytraristferredbal cent a safe wbJect two die specal rate are referred to as spedat rate balance transfers; balance trsrisfers for which the IniWl special rote has expired are referred to as purchase rate balance transfers. Each offer Nn contain an ration date. ff you attem~ to transfer balances by means of a check a the expiretan date, we will treat the transaction es a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. PERIDDIC FINANCE CHARGES. Pertodk finance Charges are imposed on ail transaotkris from the date the 4aroaction is d to your Aocourit urdtl the dateyou Pay your entire New Bala-xe, mabrg payments or receiving credits. Hovveve6 if you paid the New 8a on your previous 6iNtix} statement by the Payment Due Data shown on that statement, and you pay the New Balarioe by the Payment Diu Date on you currerrt bflfmg statanent we will not impose Periodic finaiice Charges on new pur~h~ that h, purdwses first a rig on the current rtatemerrt. We call tfiis the "gran period.' a is no grace period on balarroe transfers or tadt advances. We sort your transactions into groups of purdhases, cash ~lvarxes, and balance transfers and then furtt>er sort the bad within each group by their Annual Percentage Rate. For example, purchases s to a prwrwGonal rate and purchases subject to a standard rate mMar be separate groups. We refer m these groups as transaction categories. At the end of Berlin btifm9 period, we carnpute batanoes and Periodic finance charges for eacFi daX of the biNing period for each transaction category. We use die follomvrng equation tb compute Periodk flnarmce Charges for each transaction w Arenage Dally Balarmx z number of days 1n the bilNrmg period x Dal Periodic. Rate. (You may refer to the finance dwrge surt~wq on yourTlfng rtaternent for these amounts.) Then we add up the PerioeNc Fnwnce Charges for each transaction -S- category to the total Periodic Fk-ance Charges fory~r Account The Average Dal~ytBalarice is shown as zero if, because of the grace perkd, no Periodic F'mance Charges apply to the balance in a transactton category. We use the average daily Isaknce (mclutNng new transactions) platted of i~a atlng the balances upon whidt wee impose Periodic Furarice t]sarges. This means ff you did not psyr the New Balance shown on the M'lltng statemerstyou retehied during the previous 6iAirsg period by the Payment Due Date shown on that statement, we call impose Periodic Emance Charges an new purchases that first appeared on that billing statement, as well as new purchases that lint appear on the current bilhng statement, unless vre already apposed Periodic Finance Charges on the purdrases on your previous bilNng statement We compute the Average Daily Balance far each transaction category by adding up all the daily balances in a billing period for a transaction mtegorq and dividin the total by the number of days in the billing c/de. We compute the dai~j balance for each traruacdan ca on earls day by first adding the fdlowing to the previous days dales balarxe: traruections made that day, fees that day and Periodic finance Charges accrued on the previo~ dally balance; and by then subtracting any credits and payments that are applied against the belarice off the trarssaction category on that day. In cakulatlr~g.tlte.daily batarice fo~tlie previous 1>Bling period, we coraider the 'previous day's daily balance" to have been zero on the first day of the bilNng period. M a transaction is posted to your Account after the dose of the titlinngg period in whkh ft Doors, we vn11 treat the traraaction as having otturred on the first day of the billing period in whfd- it is posted to your Accourd. ' AN fees dwrged to your Acuwunf are added to the standard purdwse trarisactfoh category wnlh the exce can of Cash Advance Transaction Fee Finanoe Charges whah are added to the aaplkable cash advance transaction category and Balance Trarafer Transaction Fee Finance Charges which are added to the •applkable balance trarufer transaction w When the special rate expires, we move ilia unpaid balance of the ba -lance transfer and the Balance itarisfer Transaction Fee Finance Charges to the standard purchase transaction category. However, H the ~pe~1 rate has been terminated under the Defauk Rate Plan, we leave the txipaid balance of the balano tramfer and the Balance Ttanafer llansaction Fee finance Charges in the applicable balance transfer transaction category unb'I the spedal rate would have expired. The Daffy Parodic Rate and wrrespond'mg Annual Percentage Rate that apply to eadi trarxuctior- are either fba'd rates or variable rates asset-forth in your Prking~k or in speaal~ as you nKeive from us. The Daily Periodk Rate k t/365th of the Pa+ding Armual percentage Rate. Variable Annual Percentage Rates are determined by addkmg a specified number of percentage paints to the Prime Rate. This a shown on the Pricing Schedule as 'Prime + (percentage potrmts)." For purpasa of this Agreapent, the Prune Rate is the filghest rate of interest istl ed as the "prime ra0e" in the Money Rates section of the Nall Street loumal on the I~t busirmess day of the month. The Piime Rate is merely a pri~dng index and does not represent the lowest or txst interest rate avaNable to a borrower at any bank •at airy given time. ff you have a variable rate, your Annual P Rate will mnaease or decrease vrhen the Pririie Rate ra-atwes. This c will be effective beginning with the felt day of the ling period that begins during the same -G- month as the dwnge in the Prime Rak. An increase in the Annual Percerdage Rate wiW im-aNy resuh in an increase in yauc Minimum PaynKnt ue. DEFAULT RATE. PLAN. Wa will review your Aaount on the last day of each bilNnyygroroperiod to dekrmitse tfle Arx-ual Percesrtage Rates that wiB P~Payr~rter-tt Duey~y the P layment Due Date, then the standard ANFRTAL PERCENTAGE RATE for purdtases will be irKreased by five percentage points, not to exceed 28.99%, and remain as either a fixed or variiaaWblee race based on the type of rate in effect before the increase. in addition, any speual rate on balance transfers and any introdudary or prorrational rak on purchases that arrenty appl'~ to your Account, and any such rak that Mre have previously offered to yrou, rvNl temrinate and increase to be the same race and charge to be the same type (fixed or variable) as the new standard Annual Percentage-Rate for purchases. 1f any other Annual Percentage Rate applicable to your Account, wch az your Annual Percentage Rate for cash advances, is less than or eqqual to the raew standard Annual Perce~age Rate for purchases, it.wiN lunge to be the same type (fbced or variable) as the new rate and rf it is less, it will increase io the new rate. if inj- rate exceeds the new rate, it wiN not increase or rhange type. The Prime Rate fs the index for arty variable rates. Asry increa~d rate and change in type wNl apply beginning wNh the first day of the bllNng period in which we did not receive at least the Minimum Payment Due by the Payment Due Date. ff yax standard Annul Percentage Rak foi p~rcduses was Ir-aeased under this or any pprrevious version of the Default Rak Plan and, for any nine coraecutive bRlir-g perbds ending after 11, 2006, you pay at least the Minimum Psyment Due, if any, by the ent Due Dale, then your Antnwl Percentage Rak far your new vrill be reduced and your Annual Percentage Rak for your exis~ wlbalarKe may be reduced. Any r used Annual Percen apply beginNng with the first day of your tenth billing period. CASH ADVANCE TRANSACTION FEE FINANCE CHARGES. Unless otherwise spedfied in a cash advance offer vve will charge you a lash Advance Transaction Fee Finance Charge o{ 3% of the amount of each new cash advance with a minxnum Cash Advance Transaction Fee FINANCE CHARGE of 55.00 and no maximum. The position of Cash Advance TransaRion Fee Finance Charges m tdt in an Annual Percentage Rak far cash advances that is hi~ter than the nominal Annual Pere a Rate. Aq forms of cash advances, ksd the rue of Discover Cards, regardleu of the rlwse for which used, are wb)ect to Cash Advarxe Traraaction Fee France Charges. To obtain the total Finarxe Chargge bn cash advances for earls bNing period, vve add arhr Cash Advance TrarKactfon Fee Frtance Charges for the biN((r~gg period charged urwkr this Sedaon to any Periodic Finance Charges cokuia0ed under the Period'K Finance• Charges Sectlar for each cash advice transaction category and add up these amounts. BALANCE TRANSFER TRANSACTION FEE NNANCE CHARGES. if the baiarKe transfer offer you receive contabu a Balance Transfer Tfans- adaon fee France Charge, we wiN charge you a BaWnce Ttansfer Transaction Fee Finance charge fa the amount of each balance transfer made under that offer. If there is a Balance Transfer Transaction lee Finance Charge in conjurktion with the offer you received when Xosr applied for an Aaount h will be in the amount set forth kr the Prlang khedule. The imposition of Balance iFansfer Trensactiors Fee Finance _~_ Charges may resole in an Annual Percentage Bate for balance traraters that is i-i~gl>er than the nominal Annual ~Rak. To obtain the total F'xwnceCharge onbalancetransfers for eadh W9' we add arty Balance Transfer Transaction fee FinarKe Charges calculated under the Periodic Finance Charges sedtan for ead- balance transfer tram action category and add ~ these amounts. NRNRIAUNI FpfANCE t:HARGE. We will tfiazge you a minimum FINANCE CHARGE of j.50 for any billing period in whkh some FMiANCE CHARGE of few than .5D woo otherwise be imposed LATE FEE. We will charge you a late Fee if you have failed, as of the Payment Due Oate, to make the Minimum Payment Due that was required to be paid for that billinr+gg period. The amount of the late fee is based on the sum of aN outstanding purchases, cash advances, balance transfers, other charges, other fees and finance Char~ss at the end of that bill'mg period. If the wm is equal. to or less than f500, the late Fee is 515, and # the sum is greater than 5500, the Late Fee is 439. OVERUMR FEE. We will charge you an Overlimit fee each time that as of the dose of a bilNrg period, you~outstandmg Aa~oueven~'dathe exceeds your Aaount aedh limit. This may be her transaction which reuses you to exceed your Attourrt credit limit is auttorized by us or if you exceed your AccaaN credit lurut due to the posting of France Charges a fees to your Aaount. The amount of the OverlhnR Fee M based on the sum of aR outstand~q ~Madsases, cash advances, balance transfers, other charges, other fees and finance Charges at the end of the bNting period. ff the wm is equal to or less than SS00 and you exceed yar aed'd limit the OveriimR Fee B 515. ff the wm is greater than 500 and you ex~reed your credit Ilmit, the OverTimit Fee is 539. RETURNED PAYMENT FEE We wRi charge a Returned Payment Fee of 535 each time you pay us with a other instrument that is returned unpaid. This fee will aho apply if a debit trarrsacttan to a deposit account from whkh yyoou have authorized us in vrtiting, electronrrallit or oraNy to periodkally deduct all a a part of an amount you owe us under this Agreemesst is returned urspaid. We wail char~eyou this fee the first time any payment rs retumed.unpaid, even H it a paid upon resubmission. RETURNED DISCOVER CARD CHECK FEE. We wUl dtarge you a Returned Discover Card Check Fee of 529 each time we decline to honor a Discover Card wsh advarsce dreck, balance transfer ~d4 Promotional purchase d>edc. or other promotional deck. STOP PAYMENT FEE. Pile may dwrge a Stop PaymerK Fee of 575.00 each time we stop paymart at your request on a cash advance deck, balance transfer diedc, promotional purchase dveck, ar other promotional check. PAY BY-PFfONE FEE. We may flan lima to tttne allow you to make payments by authorizing us over the tel to transfer or ay funds fmm a deposit account to your P.cwur-t. We wsll charge a Pay~y-Phone Fee of Sts for each such trarafer or payment. RESEARCH FEE..We may dwrge you a Research Fee of 55.00 for each copy of a biNing statement or sales slip that you request. However, we wNl not dwrge a fee if you request copies in connection with a billing error. DEFAULXACCELERATION{OLLECTIONtOSTS. You are in defauh'rf you become insolvent if you file a bar> petitan or have one filed against you; if we have a reasonable be ief that you are unable or -a- unwilling to repay your obiigatiorms to us; ff you are.declazed incompetent by a court or if a court appolr-ts a gguarrhan for you or a • conservator for l~ assets: if yyoouu die; d you faA to cotnpiy widen the temit afi this Agreement; mcludkg h'~q to make a required payment when due, er<ceedingg year Account crept limit, a uskmg you Card or Aaount for a Proh~ited Transaction; or if you fail to make a required ppaayymmermt when due on other account you have with us: if you are in defauh, we may dedare the entire balance of your Account immediately due and payable without notice. !t we refer the collection of .your Auount to an attorney or employ an attorney to represent us with regard to -ecovery of money that you owe us, we maX charge you reasotumete attorneys' fees and court or other collection casts as permitted bylaw and as actually Incurred by us, including fees and costs m connection with arty appeal. We may delay enforcing or not enfarce any orf our rights under this Agreement without losing or waiving any of CANCEIlATiON. You may cancel your Account by notifying mrs in w~rng or telephone and returning or destroying every Card and unused that we have provided you. Of course, you will still be'responsible to pay any amount you owe us to the twtrrs of the Agreement. ff your Account e a JaiM Aaourrt, Cardmernber may ancel the Aaourd, but you vw7 both remain responsible to pay any amount awed to us aaording to the terms of this Agreemern. We may cancel or suspend your Account at arty time without notice. tNe may choose not to renew your Account (beyond the expiration date shown on tfie face of a Card) without notice. PRIVACY. We respect the privary of information about you and your Auain4. Our Privacy Policy intksdes a summary of the personal irmfor- nmatrorm we wNecti when it r~wy be shared v~n'th others, how we safe- gmraril the confideMiaNty and security of information and the steps yar may take to limit our sharing of such information witim others. Please read ff carefuNy as k epart of your Cardmember Agreement. As indi- cated lei our Pnvaq Policy: we may report to credit reporting agendas and other creditors the static and payment history of you Accamt, inducNrg negative credit irmformatan. late paymers mesas payments, or other defaults on your Aaour>t may be reflected in your aed'rt report We rmormalfy report to such credit reporting agencks each month. M you believe that our report of you Account status a inaccurate or be, please write us at the fd address: Discover Card, PO Box 1 16, Wiimirgt DE 19850.5315. Trlease include your name, address home tekp(ane number and Aaourrt number. NVe may from time to time revkw your credit, employment acrd inowrme records. Ou persormd may listen fo or record telephone calls between yorr and ou representativeswithout notice to you as permitted by lam We may use any rrredium gmclud'rng but rat limited to rtrad, live teleplmorme calk, autamaterj telephone equipment: prerecorded tele- phone calls and e-mail to wntaR you about your Account or offer you products or services that may be of vahae to you. If you prefer not to be contacted m one or more of these ~~ys call us at 1-800-DISCOVER or •vrrite to us at Discover Card, P.O. Box 15354, Wihningtan, DE 19850. We provide various mettmods by whkh you can obtain information about your Account: We ur61 only release such irrformation.to you, army Autfiorhed User that our records indicate a an authorized buyer on you Aomsatt, and any other person with you prior permission. in addition to as provided in.our Privacy PoNcy or m required by law. Our security measures cannot iruure against unauthorized inquires. You agree that -9- we will not be responsible for the release of information to anyone who, even if without authorization or permission, has fined possession of a Card or has le~a<tmed other identrfymg dmaracteristks about you such as you personal identification numbs; Account rminriber or sotial security number. ELECTRONK COMNRIHIICATIONS. Wemay offer you the apportmudty to receive certain notices from us~electronicatiy rather than through the mail, induding monthly billing statements and change of terms notices. The terms and conditioru for receiving these electronic communications will be described in the offer. CREDIT AUTHORIZATIONS. Certain tratssactions will require our autfsarizaHon per to completion of the transaction. In some cases„ you may be asked to provide identification. We have the right not to authorize a fansaction for security or ether reasons. Also, if our atittrorkation system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. CHANGE OF TERMS. We may du any terns or part of this Agreement, but not Nmibd to, aarimryy Tmmance dmarge rate, fee or method of arty balance. upon whidr tile itmmrmoe d-xge rate is assessed, or acid airy new term or part >p this Agreanerrt. N required by law we wpl send yoga writtar ar elai:d^a~deNvered notka ae least 15 days before the dsarge is to become We may such change to fire outstarrdkmg balarmce of you Apcount on date of the change acrd to new dwrges made after that dabe.~~ ire offered the opportirnity to reject arouse of the dwges, and H you do, you must notffy us m writing or ekcbcniafly vrNhh 15 days after the rrraNing of the notice of change at tfrtad~ provided in the ratice of change, in vrlmkb asse you Account vrNl be dosed end you must pay us the bafarar: that you owe us under the temrs of the ussdmanged Agreement Odmervrise, you w18 ha+re~ to the dwmges in the rrMice. the of you AccotiM after the effeNve date of the cchhange wpl be deemed aaeptsnoe of the new terms as of such effective date, even ff you re~vioanusyiay notif led us talss*~t you rRd not aigree to the dtan~ We a~orwrectlon with y'o~ur Aaanst. Hie,you req~ bey ~ or by the terms of the product servke, or beret ft. CHANGE OF ADDRESS OR TELEPHONE NUMBER. ff you charge your address or telepFiname number you must notify us of your new Tess or telephone number wittmin 1 S days. ASSIGNMENT Of ACCOUNT: VVe rrwlrseii, assign or transfer your Aaowmt or annyy portion thereof without notice to yes. You may rat sdl, assign a transfer you Account withotrt first obtaining our prior written consent. CLAIM NOTICES. In the everrt that you w we have a claGrm that arises from or reWtes to your Aaourrt, any prior account you had with us your cep icatan, the relationships which result f-om you Aaoiamt or the en eability of the Agreement or arty prior agreement before initi- atirr~sgg,, joirwng or rig in ar-y judidal or arbitration proceeding,~ as either ors indivmual I ' rst or member of a sass ("Proceeding") the oompiainlrmg part~r shall g ve the other (1) a written notice o~ the scrim ("Clainm Notice") at least 15 days ~ fiitiatirt~ any Proceed'mg, explaining in reasonable detaN thge~nadture oofptphe~cula~rm and azry sup- da~'an~witffi ut time~rmecessliy~e Precee~ig. `This axl~des ~'ms invoWing ou parent corporation, si#msidiarres, affiliates (nchrding, wfth -10- out Ikrirtation, Diswver flnarrcial Services LlC), predecessors, successors, assiggn~, as weN as the offxers~ directors and amp of each. of these entities. Any Claim Notice shall be sent to us at P.. Box 8040. HilNard, • Ohio 43026 (w such other address as we straA subsequently provide to you) (the "CWim Notice Address") w to at your address's rmg in our rewrds oy 'rf you are represented by counsel, to your cep t! w .Heir at yatu attorney's office. ARBITRATION OF DISPUTES. In the event of airy past, present or future claim or dispute (whether based upon coritrad, tort, statute, common law or equdy) between yoyuouand us orising from or relating to your I~atio~iuhipms h tit ~ tfrom y~atr Kcwunt oar tl eWe f~wceabil~ w scope of this arbitration provision, of the Agreemment w of arty prior agreement, you; or we may elect to resolve the claim or d'apute by bmding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO NAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-NEARING APPEAL RIGHTS WILL BE LNiAITED. NERHER YOU NOR WE SIiAIL BE ENTITLED TO JOIN OR CON5OLN)ATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER 4ARDMEAABERS WiTH RESPECT TO OTHER ACCOUNTS, OR LRIGATE IN COURT OR ARBRRATE ANY CLAIhg AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything else to the contrary in this arbitration provaion only a court, and trot an arbitrator, shall determine the valklity and et{fect of the Class Action Wa'nrer. Even if aN parties have opted to litigate a claim in court, you w we may elect arbitration with respect to arty claim made by a new party or aryr new claims later asserted in that lawsuit, and nothing undertaken therein shah torntitute a wa'nrer of any rights under this arbitration Provision. We wNl not invoke. our right to atfritrate an indWidua) claim you bring in small claims court or your state s equivalent court, if any so as the claim is pending only in that court and does not exceed 5,000.60. Your Account involves tritetstate commerce, and this provision shah be .governed by the Federal Arbitration AR (FAA). The arbitratbn shall be conducted, at the option of whoever files the arbitration claim, bb~y either the American Arbitration A~ociation (AaA) or the NatianaT Arbhration Frorum m acmtdance whit ttreir procadtxes in effect when the claim b fN . iron a copy of their procedures, to file a claim w for other NY 1 71005 AAA.1.800-778•.78 ~NAaF art POYBox 50191, Minneapola, MN 5 (phone 1~800~4742371). No other arbitration forum wNl be perrmtted, except as agreed to pursuant to either the Cho of Terms section w a wrmng signed by bolls parties. Unless consersted to by all parties, no arbitratNn may be adminhtered by arty administrator that has arty formal. or ' pnrsf~rmai polk~y rule or pro- adore that h incorrsistetrt with or purports to override the terms of thb cation. At )roar written_request, we will advance any arb'nratlon filing, administrative and hearng fees which you would be required to pay to pursue a claim or dispute as a rewh of our electing th arbitrate that chins w dispute. Setd requests tb P.O. Box 15192, Wilmington, DE 19886- 1020. The arbitrator wiN deride who will ultfnistely be resporwble for pay~g those fees. You wiA only be responsible for paying w reimMsrsing our- bar itration fiNrg, administrative or hearing fees to the extent you -tt- would have been resQorisible for paying •attorneys~ fees and court w other collection costs had the action proceeded in court In no event will you be required to pay any fees or casts Gtwrred by us in connection with an arbitratson proceeding where suds a payment or reimbursanerst s prohibited by appbcabie law. Any arbitration hearing will take place in the federal judicial district whereyou reside. The arbitrator shall follow plkable substaritha law to the extent consistent with the FAA and appiiwble statutes of Ilmitations and shall honor claims of rivilege recognized at law and shall be authorized to award atl remedies permitted by the substantive laws that would appy rf the action were pending in wort It requested by arty partyti the arbitrator shah write an Ion containing the reasors3 for the sward. The arbitratarY derision vh'll be final and isinding excepptt for airy appeal rights under the FAA and except that if the amount in corrtroversy exceeds S t 00,000..00, an party may appeal the award within 30 days to athree-arbitrator panel, which shall review the award de novo. Unless appliwbk law provides otherwise, the appealing party will pay the cwt of the peal, regardless of its outwme. However, we will consider (n good faith airy reasonable request tor us to bear the fees charged by the arbitration administrator and the arbitrators in contraction Nnth the appeal. Judgment upon any award by the arbitrator may be er-forced in arty court having jurisdiction. Our rights end obligations under thk arbitrationr provision shall Enure to the benefit of and be binding upon our pparent •corporations subsidiaries affiliates (including, without Canitatwn, Discover Rrsarxia~ Services LLC), predewuors, successors, assig as weN as tine offkers, directors and employees of each of these entiua, and will also inure to the beneftt of arty third party Harried as a o>defendant with us wwith any. of the Ewegat'rg in a claim which b su~ect to thk arbitration provrsiorr. Your rights and obligations order rids arbkration pn~vision shall inure to the batefit o and be binding upon all persons camacwaly Jiable under this AgreemerrC and all Authorized users of the Aoamt This arbitration provnsion shall survive termination of your Account as wdi as voluntary payment in full by you, amt legal proceeding by us to cdlect a debt owed by you, any bankruptcy by you std arty s byus of your Audart, SEVERABNlTti: H arty part of this Agreement becomes unenforceable, it will rat make any other part unenforceable, except that ff the Class Action Waiver set fords above in the Arbitration of D'aputes section is irrvalideted in amt proceeding in whids you and we are hivolved, then the Arbitration of Disputes sedan will be void with respell to that proceeding. . COMPLIANCE WITH INTEREST RATE LIMITATIONS. We intend that the Agreemdr will comply with applicable interest rate limitations. You will rat be required to pay Finance Charges or other charges at a rate that b greater than the maximum amount ell by taw. ff it is ever finally determined that, but for thh St.~t o Finmroe thanes w other charges under this Bement would exceed the maximum lawful arnaunt, the Finance and other drarges will be reduced to the maximum lawful amount. excess amount that you have already paid will be used to reduce the outstanding balance of your Account a vin11 be refunded to you by means of a d>edc in our discretion. GOVERIr1fItG LAW. This Agreement anid any da6rr or dispute arising out of this Agreariast wNl be governed by appNwbk federal law and, to rile erttent stste taw rgspNa, Delaware law. -tz- PRIVACY POUCY We Respect Your Privaicy Our mission is m pro~de you with superior products and services, al with the peace of mind knowkg that that the senuk~r of yarr persar>al inftumatia- h our top priority. We understand concerns eborrr guarding infornwtion about you and your Aaoount. We wantm assure you that we have taken steps and w81 wrrtlntre m take steps m safeguard that inforrrr~tion. This Privacy Policy describes our efforts to meet these objectives. tt includes a summary of the following Important information: • A listing of the personal information we collect; • The clrturrrstanaes in which we may share infomration with'others; • Th~ways we safeguard the confidentiality and security of irdorenation; • The steps you may take to Gnat our sharing of such inforration wrth others. See Section 4 for complete detaih. Please read our Privag Pdicy carefully. tt wi8 help you understand lww we mllect and share information. 1. What Personal Mfomration Do We Copect7 To serve you better and mar-age our bus' it h important titat we cdkd and maintain ~~~cat~ i~rnr Uw art about you. We obtain this information from ior-s and other forms you submh m us, from your dealings with us end others, from consumer repotting agerxies and from trtfier sources, such as otu Web sees. For example: • We may obtain information such as your name, address and date of bkdt from appikations and other forms ynu submit m us. • We may obtain information such as Account balances, payment Nistotx your use of your Account and the types of setvbes you prefer from your trarttacbon and other deal'mgs wkh us and others. We may obtain irrfomtation such as the balances of your loans with other .fenders and your payment history with others from torwurier reporting ~~ • We may obtain information sudr as your krtemet senrke provider, your email addreu, your computRC's operating system and Web browser,your Web site use and your product and service preferences from your visits m Web sites. . 2 b Personal brfarmation Shared With.Others? We fimit the sharing of Mformation with others. Marry of the offers you receive for protfiscts and servkes are provided direcdy m you from us. For example, a retailer that atxeptc the Disaauer' Card may come ~ us with a spedai offer for Cardmembers, such as a dhctwnt certificate or product upgrade. After wrcful consideration of the nature of the offer and the compat>K vve will cteatie a iht of Cardmembers who may ba interested in the offer based on os7ttain draracteristia. tNe w81 send the offer directly m those Cardmanbers on behalf of the retaAer for &ulttid'mg an insert M thekm ft~bilflrtg statema+t a mailing the ourselves. We oortbrol the ' used m make the offer; we do not slwre the list or any letformation about our Cardmembers with the reta8er. However please understand that if you do receive this type of offer fetun us anrS choose m take advantaggee of it the retailer mar then ism Nrformation about you because only Cardmembers with oertam draraderistKS received the offer. There are, however, drcum~anoes in which vue may share the information _13- Mte rolled about you, as described in Section t, with otf-er tbmpania in ordx m provide you with m products and serviors and m service your Aooount effectivelw as tktailed We these m adhere m ourprn+ary standards and m use this htfMnatlon limited purpose for whrd+ itwasshared. We do rat albw tt-em to disdgee it m other wrdtout our prior appro+rol. a. Sharlrtg Personal lnfamatlon with Orrr t.aeporate family We arc part of the ~Y Stanley famiy of oxnparries. Our is family offers a wide of products and services that ran he p you manage your finances. In order m provide you with access m these products and services, we may share the information we collect about you. as described in Section 1, wrth other members of ottr corporate famly/. These companies include fMandal service providers that offer mortgage kopp rand mutual fads and.~non~fina~ndal servke providers in the fuhue as our corporate family continues to grow. b. Sharing Personal Information with NorrAftrJiated Parties far M1ar,F=ting Purposes We may share the information we called about you, as described in Section t, vvMh rson~affi4ated third parti~eess,, mcluding those that accept the Discover Card, in order to provide wtthaccess m and services offered directly by these n~ttrat may be of value m you. These oompa~nies,'~ n~orr- n~artaai co pansies sad ~retaAe~rs. as inwrance c. Sharing Personal Mfwmatlon with Otltus We may share the Mfarrtu-tiort we collect about you, as described in Sedlon t, with companies that perform supp~t or marketng services on our behalf, sudr as ma8ing, market researrh and data proce~ing; other financial institution with whkh we have Joint marketing agreemer~ w companies that are our partners for c and aed'rt card programs or reward programs. We may also share such infomtation as permitted by law. 3. ltow Do 1Ne Ported The Carflddttla~ Security and brteglrity Of Mfornsation About You? We maintain physical, electronic anti procedural safeguards m protad the information we colfect about you. Atxess m such informaton rs restricted m individuals who need it in order m service your Atxotnt or provide products and services myou, and who are trained in the proper handling of wdi information. Emrloyees who violate these confdentiatity regtdrements are subJJ'xt m our disdplinary process. Where third parties provide support services, we require them m tatform m our privacy standards. It is knportantthatthe information we maintain al~utyou h atxurate and complete ff you see Information M your morrthly billing statemerm or ehewhere which suggests that our frrformabon h i late or inacauate, please write m us a< Discover Card, P.O. Box 30943t Lake Crtg tJT 841300943 so that we can update tliis irtlormation. 4. lbw; Can You L6nit SFradrtg Of brformation About You? We respect your privag and offer you choices as m whether tive may share k-formatior- about you with others. Yew have the option m tell us rat to share the information we collect about yok as described in Section 1, with rwraafftiiated tided pubes. You also have the option m tell us not to sfiare certain IriforrnaBiort wr: eolktt about your, ffi desm'bed in Sation t, with companies fn our t:orporata fa .However, thh option is Vimfted m information about your elgrbd for credit obtained from your -ta- appFrcation, such as Xaa irxnm~ and from wruumer reporting agencies, such as your a'edit hrstory. If you indrote a preference for either of these optlorrs, please understand that you may not receive offers for products and services provided byother comparaes that wukl help you lower your costs, maxkm-ze your financaf resoruees or manage. yore fuwnces. To kdkate yore preferanas, Blase dl us at 1~0.225~i202 err write to re; at Discover Card, P.O. Aoa t, Silt take Cilp, ~ 841390961. ff you have prevlorisly. notlfMd us about your preferences, k is not necessary to do so again unleer you decide to c ge yo~~ prefermsoes, Your written request should include your name, address, telephone number and Account number(s) and should not be sent with ark other wrresponderxe. In order to prates; your request, vve require that the request be Provided by you directly and rat through a Hard party. You will need to provide us with your prefererrces for each aedft card account you have with us. You may notify us about your preferences at any time. Your request will remain m effect until yyoou~ notify us otherwae: We will honor your request and not share this irrforrrwtion e~permitted bylaw. For example, federal taw pemtits us to share tfon about you with consumer reporting agencies, service providers and flnana~ institutans with vuhkh we have joint marketing agreements. ft also permits us to shaze information about our experierxes and trarrsaectlorrs with yoq such as Ac~unt balance and payment hktory with us, with other members of our corporate family. If you are a new Cardmember, vre will not share any Infomwtion about you, except as permitted by law, futy~days aitervve provide this Pol m you In order to give you an to inf~prm~us radersWy ndr ~ma~y Ifcwr~tlnue m receivr-sark~Ufg~affer~s d'rectly from other aompanres that were already in production prior to the processiivnag~yof your request. pr ThAccormt Nowev~er, arryP iaM~Cardmmnber hu the right to nat~ a~bor~it preferenoer and. we will treat that request as applying to the entire Aaount We do mot share imfornation about former customers, exempt as p{~wwmi~ted by law fib nodfication sr~ercedes cep issued Priv Pdkies. We reserve the right to amend th'a Priva~from time two time and we wip notify you ff we do so. This Prhacy Policy & provided to you by Discover Bank and its subsidiaries, whkh currently mdude GTC Irnurance AgerKy, Inc. and Discover Products Inc h apppes to the family of Discover Cards for conwriers and the products snd services offered in carxKCtion with those Cards inchrding the Wallet Protection card registratiar service (with the exception of argr information registered in conrMxtion with the serv which wIp rat be shared). k is part of your Cardmember a~ provides a further explanation of howwe collect azd share. You may have other wdl a eceive pri+racy nob~as for thother v aacoun~ you have with us, as well as other fkrarsdal products and services provided to you by us aril our aff~ates. You will need to indwte your preferences for cads of these separately as d'aclased in the notice. Vermont Resldaits -Your state law requires finaraal irrstitutiorss to obtain yore torssent prior to sharing k-formation about you with others. Ewilh no~n~at~iat~ed third ppaawl nM~sharc information we collect about Ina ~ you call us at 1~00-0ISCWIHi and author(ze us to do gyrate family -rs- Capfomia Resfderrts -Your state law requires financial 6tstitutiarts to obtain yore cort9etrt prior to sharing information about you with non- affpiated thkd parties. Except as pertra by.law~ we wdl not share inforrradon vre copact about you with non- I Hard parties while you are a resdent of Capfomla. Your Biding Rights KEEP THIS NOTICE FOR FUTURE USE Thb notice contains important information about your rights and our resporuibiptiesanderthe Fair Uedit 8iping Act t. iYot~yl/sfn Case ofErolsOrQAbout ttwui?Nf ff you think your blp is wrong, a ff you need more information bout a transaction on your 1>tp, write us an a separate sheet of paper at the address listed on your 6111 for Notice of Billing Errors. Write to us as soon as possible: We must heaz ftom you no later than 50 days after+ue sent you the fiat bip on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the fdkwring irrformration: • year name and Accourt number. • your doper araynt of the suspected error. • desolbelhe error and explain, if you ~, yyhy you bepeve there a an er%t If you need more formation, descrpx the Item you are not sure ff you Rave authorized us to pay your credit Gerd bip autanaticapy from mourthink k aaount, ~ can stop the ~ an arty usthree ~ ~bef~orethe autornati~c~Mtr your rwst reach days payment is scheduled to coat. 2 arrd Ou- Itespons~i6des After We ReaefsAS Yore YVrlttea We nattt acknowledge your letter within 30 days, unle~ vre have corected the error by then.lMrthin 90 days, we must either correct the error or explain why we believe the bill was wrect After we receive yotu letter we cannot hY to colect amoumt you question, a' report you as de~-tquent. We can continue to bpi you for the amamt you queston, krckding finarrce dwrge;, and we cerr apply aryr rarpaid arraturt against your Actaart o-edd limit You do not have to arry questioned amount while we are frnrestigating, but ybu are still abpgatxd to pay the parts of your bip that are not in question. ff Mre 11nd that ere made a nastake on yea bill, you will rat have to pay any finance drerges related to arty questioned amormt ff we didnt make a mhtake, you may haver to pay the finance charges, and you will have to make kqs ar~y missed paymer>ts an the questienedd amount In eittrer rase, vie vw'll nerd you a statement of the ainouM you owe and the date that k a due. ff you fail to the amount that we thimk you owe, we may report you rvr t~ 'dt~ii Hid r~tell~ us diat~stpl refire to ~ vie mrut ~p anyone vve report you~to tfw9you have~a question about~your bip. And, we must tap you the name of anyone we reported you to. We must tap amyone vve report you to that the matter has been settled between us when k finally a. If we don't fdkrw these rules, we wn't colect the first SSO of the questioned amount, even ff your bill was correct. -16- 3 SpecW Rrde For Crept Card Prurbsses ff you have a problem with the quaity of goods ar services that you purduned with a aedR card, and yar tried ~ god faith to correct the probkrn whh the merdsant, you may have the right rat to pay the rerrffr Virg due on the goork or services. There are two Itmftatiwis (a) You must have made the purdrase In you home state a ff not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than S50. These pntiGrtlorn do rat apply ff tnre own or the merdsant, o- ff we marred you the adrergsement for the goods r~seMas. DESCR1Pi'IOiV Oi= COVERAGE SCHEDULED AAt TRAVEI. ACCIDENT NtSURANCE. Discover Platinum Cardmembers are provided wiBt up to 6500,000 Scheduled Air Travel Aaldent* protection. Whenever you use your Discover Plat'anrm Card (the "ved'rt urd~to dsarge you entire Common Carrier' Fare Tkket on any Carrrrkadd o*aft operated by a SdredWed Air Carrier urxkr a Ac~se for the traraportxtlon of passengers for hire (~ caAed Scheduled Air 'Carrier), you automatkally reteroe this valualsle ca~rerage at no ad~tianai cast. The berkfits of the Policy providiirg your coverage are governed primanTy by the law of a state other than Florida. 'Cove h ~ byNational Upton Fire Irnuance Corr~pa-ry of Pitts PA (the 'ktwrarsce Comparsy'~, with ofRces in New York, NY. Certain rrdtatlons and exdusiorts apply. MAN FEATURES tiersefit AmorasC 5500.000 Famly gregate Frfac~-al Sum ACCIDENTAL DEATH BENEftTS. Insurance coverage wlp 6e equal to the benefd amount for aodderstal loss of life. The leas mint Dour withks one .year of the acddent that caused the krjray. Fami pr~~I Sum means the tots amaa-t of.knrrrance in force on ~ Cra~rd en berKmbe his or l-er spouse and tlreir depntdeM da'brcrt i'or one aaideM. ff more than one Nnteed Person v~iess as the restit of the~uia received in any one atdderst, the family Aggregetae Prkselpal Sum vrAl be prorated and. paid i~ wlth tM da(m payment and provakxts of the Once the FamBy Aggregate Prirxlpal Sum b for any one kswred M a FamBy that oasis as the result of any one aodderK, no further benefits are payable far further deaths in that FamAy due to Injuries reoeivad ~-the same acddent. Maximum Aaidentai Death bersefits payable order the Poliq, ff more than one Grdnsember suffers a loss from the same cadent, are limited to an eagggg ate of 620,000,000 for aA Cardmembers combined. Arhr re drxtiors~of barsefns necessary to ~w~this Amitation erAl be made on a pfopportionate huh in each Car up to tit's aggregate limit of li~b~ As used herein, Ca-dmember mearn cardrnem has or ha insured spouse and insured dependent du'Idren. Thk aggregate5um std not replace ar in arty way affect the Family Aggregate Prindpal under the Polity. "In1ury" means bodrl~ irtjuy; (al whids is susWned as a da~ect result of an unertended, tmanttcrpated accident that is external to the body and that occurs while the injured person's coverage under this Polley is in farce, and -17- ~) whidt drrectty (nrdependerN of skio~„ disease tsxntal krfemity, toddy isdirmity or any other cause) cevaes a covered loss. DISAPPEARAfKE BENt~HS. We wiN p you suffered loss of Afe due to mr aaciderri ff:~yorr arc riding fn a 5~fr Air Carrier that is involved . in a corned aodda-t and as a rewh of the aakierst, the Scheduled Ah Carrier is wrecked,y~, or duappears; and you body is not found within one {t) year aF the aaddast. The total of all benefits payable for you, yourspouse and depen children from the same acaderrt wiA not exceed the 500,008 fad A99re9~ Prirsripal Sum. ElJGIBAJTIf. This automatk insurance is provided to eligible holders of the crept card whose names on the credit card, then spouses and their urunarried de ep ndpit d ai under age 19 (age 23 if ag sdaol on a full-time basis and fidh/ dependent on you for support). However, the age limit does not apply to a child who a incapable of self-sustaining employme-st by reason of mental or physical incapaaty. EFFECTIVE DATES. You irvurarue aide this plan is effective on the.later oF. 1) Jtdy 1, 2001• or 2) the date you become an el~y~e person. You insuance under Htis plan vrAl cease on the earAer of: 1) the date the eAgble hgjderthe veditard~ ~ ~ on the date you cease to be an THE BF.t~fICIARY. Unless you desigrwte otfienndse wilt a beneficiary designation form, your death benefd wiU be pwd, in equal shires, to the first sundving doss of those that follow. (t) you sporr9e; (2) you children; (3j,you parer or l4?your brothers and sisters. If ra d~ has a wrvivor, the beneficiary is you Mate. You may die you beneficiary by writing to the lnsurarsce at: Aaidmt 6 Heahfi Division, 500 West Madison Street, Suite~Chkago, A. 60661. CLAIM PROCEDURE. Claim forms may be obtained though the lnstrrance Claims for benefits mrut be filed with the Inwrance Company w~ days a u soon u reasonably posAble after the bss occurs. PLAN OF INSURANCE COVERAGE. You, ffi a Cerdmember, and you parse and chAdren wAl be covered against 'e ufa that resuh in an acdderital loth while u a pa~r~g~ in ar on, l getting in or out o$ or on a off of, any Srfieduled Air Caner ff the Common Carrier Fare Ticket for the fAght was dsarged to you credit card. Companion tidu:ts iswed for free with the purcfsue of a fuA•fare common carrier ticket and used by a spouse or depe~de t du7d wAl be considered as fully to the uedit card, if the ncanespord'ng full fommon Carrier Fare a dtarged to the uedit cad. Coverage k effative vuhert you board the Sdredrrled Ab Carries provided the fuA Cormman Cxrier Fare Tidoet a pu-duped, or the travel reservation is made for the companions tMcets, prior to boarding such Sdheduled Air Carrier. Coverage ends when you aTght from the Scheduled Air Carder. EXCLUSIONS, Benefits are not payable ff the•lasa is caused by a results any Kara regarwess or raw eontractea, excep[ oaaenef imecttors treat are eased by baddism, ptomaine poisorsing ar an accidental cut or irsdependerrtand inthe abseraeafany u-sderiyingskkness,disease or oon~dors indudirty but pat limited to diabetes; a) canm'~~gy or attemmpprttkkssgg to comrM a ~ War or ad aF war, dedared or urdalue~ or (6j vavel or flit m or on any vehide used fw aerial navigation, u a ptTot, operator or Qew member. -18- Lg41RATI0N5, Benefits will ady be paydrk under one Cardsrember wfuBy d> ~ urxia whkh the Common Carrkr Fare Tickets Benefits are not for lasses due to injury sustained while on a trip for vvhkh the if~ws!re purduaxd with a firequent flyer voucher. Comp1 ~x p~ pertaining to this plan of insrxanae are contained in Pd'~cy i2 iuued by Natlorral lMian-Fire tnwrance Con~iar>,r of Pfttsbtagfr, PA with offkxs in New Yak, NY. The premium for this kce k Discover IinanciatSenRoes U-4 out of krcortie dermd from its a 'card operatlorss. Please read this Description of Coverage. Keep it in asafe place with your other insuance documents. Thh Daalption of Cover (Porto Number 530365DOC) a not a contrail of insurance but k si an informative statement to each efigBsle kdhddual of the prirrdp provkions of tfie irsurance while in effect if a confiid exists between a statement in the Description of Coverage and any provisions in the Policy, the Policy will govern. sans administered by: A&H Claims Department, P.O. Box 15701, WAmington, DE 19850-5701, (H00) 551.0624. SECONDARY RENTALCAR COLtlSION COVERAGE PROVIDED TO DISCOVER PtATNNM CARDMEMiERS DESCRIPTION OF COVERAGE. O3VEkACE f)ESCRIPfiOf1: • SemndaryraRental Car Conkan Coverage vvnl oei<nbtase You a the Rental ff Cowered Damage as a resuh of CoRkian Damage on an exo~ is (over and above arry amount due ftom any atirer valid and colkch'ble krsurance or any form of relmbrssarrerrt able by those responsible for the bss) on a secondary bads. Covered es are those amouirts, up tb 525.000 per biader>t, on dahrs far Coq's Damage to the Rdrbed Automobie for which You a any autlroraed driver is legallq respona'ble to the Rerdal In no event vvgi 4Ve be Ibeyorxf the amounts actuagy paid e ~ You or the Rental mburserrierrt will be on an Cash Value basis. • Fran tf K amount of teimbtasement due, tine anlour+t of any vagd and deducted. instirence, or the sun of S0 (vrhicliever is greater), shall be DEFRImoNS: • Atluai Cash Value means the cost to repair a replace the Rented Auoomobile at the lane of Cdgdori Damage, les depr~iation. • Col~iori Damage. means the direct and aaida-tal damage to a Rented Automobile teamed by upset a calnslon vriH- another obiect. • k card means the Discover Pbtirnur- aekRt card. • loss of Use niearrs the du~rggeess Impamed by the Ret>taf Agerrcg for which Yau are liable, due to Collision Damage to the Rented Automobile, for die period of time the velride k being repaired. • Retrtail Agency means a eommeRi~ automobge rental comparry licensed ands the laws of the applicable jurisdiction. . • Rarsted Atitarrrobge means a fourwFieekd type mots vehicle a a misri-van manufauued ~~~~ to~tra rnspoR a maxi- mum of ei welt' must be designed b~avel own p~idrlk roads and retrt dmfrom alicer-sed Rental Agency. • -19- • We, Ile and ors means virgmia Saetir [ompany, inc. • Yau or Your means the engihk Cadlrokly, hereinafter referred to as CardnrertdxS hk a herspous4 and unmarried dtgdrar under the a~ of 19 (a age 23 if a fuB-time studart at an aaaedited aolkge or u~ Sporae mdudes domestic partner: vsFrk#r means a person desi~ arrd Ikted as a domestic pp~~t~r on the accotxrt of the prkrnry rrierrrber who k'at kasC 18 of and who durkrg the past 12 martissi~ ~ has raided in rire samerdd as the Cani- rrxrrrba, and b) has been jointly resporisr~k with the G~ for eadt others fafancial ob!'igattons. HOW TO GET COVERAGE: • Initiate and pay fa the errGre yenta( trar-sactbn with Your Egg~k Card. ff a coupon a vouc>er of kind k lnitiaBy appged toward payment of the Rented Automobile, at IeasC one day of nsrtal must be drarged to Yaks Elig'ibk lard; aril • Decfine the collisionAoss damage waiver offered by the Rerrta! Agency; and • You must rent the car in Yoke oven name and ~ the rental uu contract Cowxage dos not appy'rf You pay for someone eke to Hurt the ar. •'R is not necessary fa You to notify Us at the time of rerrtal WHO 6 COVERED: Ya- • WNERE YO1~ COHERED: • Coverage k avesTable in the fifty {50) United States of America and Caruda. Coverage k not appncable where' preduded by law a in violation of the territory terms of the rer-tal agreement or prohibited by individual mercharrts. PERIOD OF COVERAGE: • overage beoka You pick up the car and ekds when You turn it in • The perloa of coverage shag not exceed thirty-one (31) mrisecutive days. EXCLtR>ED RENTAL VEfiKLE: • Tnrcks; reaeational vehider ppeew~ pk~ trraicr ndn,; fun-size vans masrted on truck dwsii~Veh'iCes mamrfadrrred m seat more thikr eight oargtar-ts; veirida when used m carry, haul a tnrrsport any aril m~otora psco ~ antique moYehrdMArdt mear~is vehkia~oMer 25 years old a anyvehide vslridr has not been mararfactised for 10 rs a moray limousines; high-vahk mats vehida (those whose replacement v~ue exceeds 350, initededidar mots vehkfa (whkh are~~~ exotic, rfamarra a collector eri~ Daimler, a Ezmli~'bitr, k k~rrsery~la barglio~grt i of BMW fiend lkxok~.vdHdes, selected models wHaT~~coarERED: . • Coverage is not aq-intlumive, vdtici means h dos not cover such things as I In)rxyt personal liabilrtg or personal Fimroperty~ otircrwads, R dos rwt cover You for damage to someone d 's ve ' , a property, Your property a personal property krside the vehkie, k dos not away You fa any injury to aryr party. -~- • Lassa resuking from arry dgho->est iraudulerrt a ahninal act • loss rewlting f rom forgerx • Lass that occurs while You are ~ violatiar of the Rental Agreement. • Lass due to drrrirng wMle'intoxk-ted (as deflrred btr tare leers of the contraband 1 al~aNvhia.a a redri~ ~ dueat~o • hterrtiorrai bss or damage. • Lou resulting fran hostility of any kind (includ#rg declared war, undeclared war, invasion, rebellion, riot, civil comrtlotian, err insurreition) or confiscation by auttrorities. • Loss due to nuclear reaction a radioactive corrtarnkratkxr. • Loss as a result of hail, flglrtnurg, flood, earthquake, windstorm, water, or other weather-related causes. { Loss resuhing ttom faHiag objects, fire, theft. or {arceny, e~tplosion, malicious miuhref a vandalism. • t oss a thek of persona! bdotgings. • fuss caused by someone other tftart You. • loss due to wear and tear, ggrradual depreciation, freezing, mechanical or elegrical txeakdovrm a faflure. • Blowouts and fire damage unless the loss a coincident with a covered loss.. • ~ strative, loss of Use, a other fees dsarged by the • A single rentalkartrad of more than thirtycne At) consecutive days: • Back-to-back rentak far more than thirty-one pt) aar>xoutive days (a backto-bade rarW is two a rrwre rentals of the same a different vehicles within the same dtw vvdh the first ending and next beginrrMrg within a 24-horsy period). • Leases amini-leases. • Expenses assumed valved a paid by the Rental Agency a its inswer. • Arty obligation You asssarte rattier arty agreement {other than the standard rerttai car agreerrrerrt). • loss rev~j from an authorized driver4 lack of `easonable are in p~te~ the Rented Automobie before a after the loss colas ~rdudirtg~but not limited to, ntysteriorrs dnappeererKe of the rental car keys, learrhrg the rental err rurrnirg while unattended, etc. • Damage sustained on any road rrot regulary mamWned by a rraa-iclpal, hate, a federal entity. • Loss or damage resuhing from use of vehicles unNcerrsed for road use. • Expenses reimbursed by your instaw, employer, a empbyefs Iruwer. • Loss rewhing from use of the Rented Automobile in tests, races, a contests. • Loss rewhing from use of the Rented Automobile to arty passengers and property for hke. • Lasses omrrring in states a countries where itrohiblt~ bylaw. • Lossa~n~~reported within the time period provided, as stipulated in the claim ddu~rree.. • Cover wNl not pay for, a dupliate, the colBsiorrfloss damage waiver offered by the Rerstal Agency. • - it - HOW TO HLE A CLANt • After Goilision Damage ooaaX You must contaR the admirristralar, Aoo krttovative SoN ~ nitia s,it0. Boz220, Golden, 0080442, so cw-erage wn,be verified and a claim form seat to You. You must report any toilisran within 45 days of the krddart, a We wi6 not be able to horar Your claim. • Report within 2~ hours arty damage a lass to the appropriate officlal representative, includ'arg the poke and Rental Agency. +Camplete and sign the claim form and attach ail appropriate doamentation, including a copy of: • the account statement showing the Rental Agency transaction; and • The automobile rental agreement {front and back); and • The police report; and • The initial claim report submitted to the automobile Rental Agency; .and • The paid claim presented by the Rental Agency'for the Collision Damage for whiclr Yau are responsible; and Proof of submksiat of the loss to and the cavils of any settlement a denial by the applicable insurance carrier(s); and • 1~ a applicable, a rrotar¢ed statement from You • Anyotha doaarrentatiorr We may request. • Be sure to submit aU above required documentation m the administrator within 180 days of the irrciderd, a as soon as reasonably possible, or the claim wiR rrot be honored. • It is a wndrtlon aF this aotrerage that You, as often as may be reasonably required by Us, will submit, acrd within Your .cause others to v~r gs, books of aaouu~bBls, htvoices ~voudters, a certified copies thereof, at such reasonable tone and plane a We may designate and wfll permit extracts and mpfes thereof to be made. • M payment is made under tine Sewrrdacy Rental Car collision Coverage, We are enthled to recover such amounts from other parties a persons. arty pa or person to a for wtrom 1Ne make must trarxfer to Us Ids w ha rights to recovery agairut any o rt~party or person. You mustdo everytlsag necessary to Beare these n~gghts and must do nothing that would jeopardize them, a these rights vn'11 be recovered from You. Hovreveti We rm'{I not require re6rrbundrrent against Your personal insrxarrce arrier, but You agree to repay Us for arry reimbursement up to the amount of any recovery from Your personal rnwrartce arrier. FOR NEYV YORK RESIDHYf'fi The amounts of itruxance set forth in thh section are the maximum aliovred by New York law. Actual amounts of insurance may be tower under the wverage: •Secondary Rental Car CoUisron Coverage will reimburseYou or the Rental for Eovered Damage as a rewh of Collisiion Damage on an ezcbasis {over and above arry amota-t due from any other valid and other form of reimbrssement by those resporuible for the bs1 except vA>en the Rented Automo~biie Ts used outside the United States, its terrftaries and possessions, a whin the E7~e Card was awed to You as an employee of an organization which has provided the Eligible Card fa business use, in which case coverage a primary. -u- Secondary Rental Car CoAisior- Coverage it an insurance program . Reminder: Please refer to the lrrsiuance t>isdaaxes section. mw (Z/aoj I Secadary Rental Car Collision Cover is provided under a master icy oCanparry). a ormatio thk'a~i~on Coverage (DOC} aboutM . theme benefits is subject tothe temts and condltior-s of the master polk~c~ Coverage under Secondary Rental Car Collision Coverage is effective iufy 1, 2001. Insurance benefits are provided to Cardmember auounthoklers findividuaB who have an open and aodva Discover Y~um ued$ card • aocotettj free of dwrge and enroltmertt a automatic'fltis DDC replaces aR prior Dons program desaiptlorrx, edvertisintt andfar brodwres by any party. VYe reserve the right to change the tx ds and features of all these programs. Discover Financial Services LLC or the Comppxxryry can carrel or dwase not ' to renew the k~wrance coverages for all Irrsiueds. ff this happens Discover Rnandal Servces LI.C, will notify the Cardmember accountholderat feast 30 days in advance of the expiration of the poBcy a as permitted by taw. Such notkes need net be given H substaMtially similar replacement ' coverage takes effect without inte on and is ed by the same matter Instrrarsa~ vriA slid aj to car amrnerKed prior to . the date of such on ornon-renewal, provided ~I othar temu and coalitions of coverage are met. The insurance benefd applies to you, the Insured; whose ands are issued by US. finaaial imtitutions. These benefits do rat d Your Eligtbk Card privi~ have been suspended or cancelled. ,insurance . bane vdl still apply to ar rerrtak commenced prior to the date that ' Your EI'g~le Card account is suspended ar aa~etled provided all other terms and condltans of coverage are met All parties are expected to exercise due diligence aai prudent judgemerrt to avoid a dmrnish low to the operry insured order thn program Coverage wNl be voii at any tlmep, the Cardmember has concealed or rt>tuepresentedany maierWfad a drattnstanro oorreemingthis coverage or the subject thereof or the Cardmernber's in6erest haeln, or in the case of acy fraud a false swearing by the kisttted relating thereto. No person or entity other than the Cardmember stroll have any legal or equhable nght, remedy, a claim for itsurar-a proceeds andfor damages under or arisin out of thh coverage. Salvage may be requested by the administrator. ff salvage is requested, it nnrst be remitted w the administrator at the CardmemberY expense. FatTure to remit requested salvage may resuh in denial of the claim. • No action at law a in eq~i~y shall be brought to recover on this cove prior m the expiration of 60 days after proof of Toss has been fur aaordance with the requirements of this DDC. 10 (1100)_ -23- r _ ~ i DIS~~~V ER $257.85 j $15.00 ~ Enter Amount Enclosed Below 02 SDSN6A01 0002147 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Payment Dus Date February 1, 2007 t~ ~ ; r7 r ''~, ~-^ C , "r .:~'' ~::)i~l ~, -~ Please make check~payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure vnth password- protected statements only you can access. Learn more at discoveccom/paperless. PO BOX 71084 ~~~r~r~~~r~~~~~~r~~~~~~r~r~ CHARLOTTE NC 28272-1084 Address, a-mail or telephone change$ Print change in space ~rr~i~~rr~~rr~ti~~rir~r~~i~nr~~~~~ri~r~~r~~r~~~ii~i~~ii~i~ii~~ above, or go to Discover.com. Print your o-mail address to receive important Account information and special offers. DODD0198645811191D3D90025785000000D0001500 Discover Platinum Card Account Summary Closing Date: January 2, 2007 page 1 of 2 Account number ending in 8304 Payment Due Date February 1, 2007 Minimum Payment Due $15.00 Credit Limit $6,000.00 Credit Available $5,742.00 Cash Credit Limit $3,000.00 Cash Credit Available $3,000.00 Previous Balance $0.00 Payments And Credits 0.00 Purchases + 257.85 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance $257.85 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 + 0.65 Cashback Bonus Balance $ 0.65 Cashback Bonust~ Anniversary- .. Month: November 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 19o Cashback Bonus on all your other purchases. How Can We Help You? ~ . visit Disce~ror.<am to pay your bill for ne cost, view your latest Account information, earn and redeem rewards and more It's s to hel our choice - 3 wa 2. Call 1.800-DISCOVER (347-2683) For fast, easy self-service p y y options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD {assistance for hearing impaired} see reverse side Salf Lake City, UT 84130 TranSaction5 $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/RetaiF Dec 23 Dec 23 WAL-MART SC - #1823 HANOVER PA $ 25.53 Dec 30 Dec 30 WAL-MART SC - #1823 HANOVER PA 73'.76 Supermarkets Dec 24 Dec 24 GIANT FOOD STORES #054 tiANOVER PA !58.56 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE; 0.003'0. Rate is subject to the terms of the offer including expiration. ~~ ~ b Cuf back on mailbox cluiterl Sign up For Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up ai Discovarcord.com/ps Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Mako-A-Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Mako-A-Wish foundation. To learn how, please visit Discovercard.com or visit Wish.org VIJ~..`"~xa"V CK ~~SCVER J Account number ending in 8304 Get added security with no paper trail Make your account inFormation more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to orrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless Crd2009 Dixwer bank, Member FDIC Closing Date: January 2, 2007 page 2 of 2 Visit ShopDiscover at Discovercard.com/shop to earn additional Cashback 8onus(R) when you shop online. You will find great offers from retailers like Bornes and Noble, FTD, Magazines.com and morel Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE . Ba a s Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.000009'0 0.00°k F 0.009e $0 $0 Cash Advances $0 0.057519'e 20.99% F ~ 20.499e $0 $0 previous billing period: 3 days Purchases $0 0.000009'0 0.009e F 0.009e $0 none The rates that apply to your Account are either Fixed (F) or they may vary Nl as noted above. QueStlOnS? Manage your account at Dit:cover.com or ~~II i-~nn.rncrnvl:R rl_Rnn_~.I~~~RZI V ~,(, ~' V t ~'( $443.65 $15.00 Payment Due Date March 1, 2007 02 SDSN6A01 0002148 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Enter Amount Enclosed Below $ ~~ Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account Information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~nr~~nr~~unr~r~~n~r~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes Print change in space Ir~l~'Ire,r~~~~~I~~rl~~l~'~~rllll~i~fr~I~~l~~l`~~`~~'~~'~I~rll above, or go to Discover.com. Prins your email address to receive important Account information and special offers. 000001986458111910309DD44365000000D0001500 Discover Platinum Card Account Summary Closing Date: February 2, 2007 page 1 of 2 Account number ending in 8304 Previous Balance $257.85 Payment Due Dote March 1, 2007 Payments And Credits - 126.91 Minimum Payment Due $15.00 Purchases + 312.71 Credit limit $6,000.00 Cash Advances + 0.00 Credit Available $5,556.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Financs Charges + 0.00 Cash Credit Available. $3,000.00 New Balance _ $443.65 You may be able to avoid Periodic Finance Charges, see the reverse side For details. CGShbdtk Botlus® Opening Cashback Bonus Balance $ 0.65 New Cashback Bonus This Period + 0.56 Cashback Bonus Balance $ 1.21 Cashback Bonus® Anniversary Month: November Cashback Bonus{R) is America's #1 Cash Rewards Program! Full 53'e Cashback Bonus on Get More purchases in popular categories throughouF the year and up to 1 %Cashback Bonus on all your other purchases. How Can We Hel You? p 1 • Visit Discovsr.com to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call t-800-DISCOVER (347.2683) For fast easy selFservice Please have your Discover Card available. , options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Lfabilfty Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 18 Jan 21 WA4MART SC - #2574 CARLISLE PA $ -86.91 Jan 26 Jan 26 INTERNET PAYMENT -THANK YOU -40.00 Merchandise/Retail Jan B Jan 3 WAL-MART SC - #2574 CARLISLE PA 82.69 Jan 8 Jan 8 WAL-MART SC - # 1529 YORK PA 47,78 Jan l 3 Jan 13 WAL•MART SC • #2574 CARLISLE PA 86.68 Jan 18 -Jan 18 WAL-MART SC - #2574 CARLISLE PA 95.36 Information For You Balance Transfer offer For, current billing period: Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: 0.00%. Rate is subject to the terms of the offer including expiration. Use your Discover(R) Card to make a $100 donation to The Statue of Liberty-Ellis Island Foundation, Inc. and you can have the name of someone you care about engraved on The American Immigrant Wall of Honor(Rl, built to celebrate freedom and commemorate American Dreams. For more information log on fo Discovercard.com VIJ`..`~~"Y CK ~____ DISCOVER' J Account number ending in 8304 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 os 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 (62009 Discover Bank, Member FDIC Closing Date: February 2, 2007 page 2 of 2 Put your home's equity to good use ...with smart home equity Financing from Discover Home Loans. We offer a full range of home equity credit line options at low rates -apply online at Discoverhomeloans.com and get a response in just 30 seconds) Please reference invitation number DCS207207N when you apply. As a Discover Cardmember, you get the most complete set of travel benefits offered by a no-annual•Fee credit card. From 5% Cashback Bonus(R) to complete travel protection, Discover Card has your travel needs covered. Visit Discovercard.com for.more details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Glances Rates RATES .RATES CHARGES GES current billing period: 31 days Purchases $441.91 0.00000% 0.00% F 0.00% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 previous billing period: 31 days Purchases $69.72 0.00000% 0.00% F 0.00% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. QuestlOnS? Manage your account at Discover.com or ~nll ~.ann_nlcrnvcc tt_nnn_~~i~_~~a~t 1 (, VtK ss~s.os 02 SDSN6A01 0002149 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 $15.00 __ J Enter Amount Enclosed Below Payment Due Date $ April 1, 2007 Please make check payyable to Discover Platinum Card or pay online ~ Discovercard.com. Address, e-mail or telephone change$ Print change in space Above, or go to Discover.com. Print your email addreu.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 Ilirr~llr~rll~~r~~lrllsrl~l CHARLOTTE NC 28272-1084 ~n~~ll~s~~n~rl~u~~nliln~~~l~ni~nlnlu~~n{u~ulilull OODOD198645811191030900515080000000DOD1500 Discover Platinum Card Account Summary Closing Dote: March 2, 2007 page 1 of 1 Account number ending in 8304 Previous Balance $443.65 Payment Due Date April 1, 2007 Payments And Credits - 35.00 Minimum Payment Due $15.00 Purchoses + 106.43 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $5,484.00 Balance Transfers + 0.00 Cash Credit limit $3,000.00 Finance Chargea + 0.00 Cash Credit Available $3,000.00 New Balance $515.08 You may be able fo avoid Periodic Finance Charges, see the reverse side For details. Cashback Banuse Opening Cashback Bonus Balance $ 1.21 New Cashback Bonus This Period 59o Cashback Bonus + 2.13 Everywhere Else + 0.16 Cashback Bonuses Anniversary- - - Month: November Cashback Bonus Balance $ 3.50 Cashback Bonus(R) is America's #1 Cash Rewards Program) Full 59e Cashback Bonus on Get More purchases in popular c~tegones throughout the year and up to 19'0 Cashback Bonus on all your other purchases. How Can We Help You? 1 • visit Discever.cem to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's our choice ' ~ Wa S t0 h@I 2. Call 1.800=DISCOVER (347-2683) For fast, easy self-service p y . y options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30949, For TDD assistance For hearin im aired see reverse side ( 9 ~ P ) Sak Lake City, UT 84130 TransactfOnS $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data. Date Paymsnri and Credits Feb 26 Feb 2b INTERNET PAYMENT -THANK YOU $ -35.00 Trawl/Entertainment .Feb 5 Feb 5 HOLIDAY INN EXPRESS 717.6371228 PA 42.51 Dsparfinent Srore Feb 23 Feb 23 SEARS ROEBUCK 2244 HANOVER PA 63.92 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchoses $495.13 0.00000°'0 0.00% 'F 0.00% $0 $0 Cash Advances $0 0.057519'0 20.9990 F 20.99% $0 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above. Manage your account your way -whether you prefer to speak with a five person or manage it on your own^Discover(R) r".__I L _.. 1. _ I.a - .. _...• - [_.. 11 a nnn I~In/. ~..rn .i nnn n I-r ni nnl •. 1 VIJ~. W~;~V CK 5922.os ,' S19.oo 02 SDSN6A010002150 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Payment Due Date May 1, 2007 Enter Amount Enclosed Below ~.___~ Please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- . protected statements only you can access. Learn more at discoveccomipaperless. PO BOX 71084 Ills~~ll~srllrrrrrlrll~rl~l CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space Irrlr~~rrlrrrlrll~rrlrrlrlrrr~~llrrrlrr~rrlrrl~rr~rr~rr~r{rr{I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645811191030900922D8DODD0000001900 Discover Platinum Card Account Summary Closing Date: April 2, 2007 page 1 of 1 Account number ending in 8304 Payment Due Date May 1, 2007 Minimum Payment Due $19.00 Credit limit $6,000.00 Credit Available $5,077.00 Cash Credit Limit $3,000.00 Cash Credit Available $3,000.00 Previous Balance $515.08 Payments And Credits - 50.00 Purchases + 457.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance $922.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CCSII6CCIC BcnuS® Opening Cashback Bonus Balance $ 3.50 New Cashback Bonus This Period + 1.1 d Cashback Bonus Balance $ 4.64 Cashback Bonus® Anniversary Month: November Cashback Bonus(RI is America's #1 Cash Rewards Program) Full 59e Cashback Bonus on Get More purchases in popular categories throughout the year and up to 19o Cashback Bonus on all your other purchases. How Can We Hel You? 1 • Visit Dixowr.com to pay your bdl for no cost; view ur P latest Account information, earn and redeem rewardsoand more It's your choice - 3 ways to help 2. Call l-BOO-DISCOVER (347-26831 for fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance For hearin im fired see reverse side 3. Write us at Discover Cord, PO Box 30943, I 9 Pa 1 Salt Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Mar 23 Mar 23 INTERNET PAYMENT -THANK YOU $ -50.00 Merchandise/Retail Mar 4 Mar 4 KMART CARLISLE PA 1.80.19 Mar 26 Mar 26 ADAMS CUMBERLAND MED C GARDNERS PA 13.02- Medical Services Mar 26 Mar 26 ADAMS CUMBERIAND FAM M GARDNERS PA 20.00 Home Improvement Mar 4 Mar 4 THE HOME DEPOT #4168 HANOVER PA 243.79 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 $916.15 0.000009'0 0.00°'e F 0.009'0 $0 $0 Cash Advances $0 0.057519'0 20.99°'° F 20.999'0 $0 $0 The rates that apply to your Account are either Fixed (F) or they may vary N) as noted above. VI~C: VtK s927.oa s19.oo 02 SDSN6A01 0002151 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Payment Due Date June 1, 2007 Enter Amount Enclosed Below ~- Please make check payab{e 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 II{~~rllrr~Il~rsrJ~llrrlil CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space Ir~lr~~ulrirl~~lirr~~rl~~~rr~~~~~~~~r~li~~ii~~i~~~ll~~li~~~~l above, or go to Discovar.com. Print your e-mail address to receive important Account information and special offers. 000001986458111910309D09270800000000001900 Discover More Card Account Summary Closing Date: May 2, 2007 page t of 2 Account number ending in 8304 Payment Due Date }une 1, 2007 Minimum Poyment Due $19.00 Credit Limit $6,000.00 Credit Available $5,072.00 Cash Credit Limit $3,000.00 Cash Credit Available $3,000.00 Previous Balance $922.08 Payments And Credits - 30.00 Purchases + 35.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance = $927.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 4.64 New Cashback Bonus This Period + 0.09 Cashback Bonus Balance $ 4.73 Cashback Bonus® Anniversary - Month: November Cashback Bonus(RI is America's #1 Cash Rewards Program! Full 59° Cashback Bonus on Get More purchases in populgr categories throughout the year and up to 1 %Cashback Bonus on all your other purchases. How Can We Hel YOU? 1 • Visit Discover.<om to pay your bill for no cost, view ur P latest Account information, earn and redeem reward and more It's your choice ' 3 Ways t0 help 2. Call 1.800-DISCOVER (347-2683 For fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Accovnt Manager For TDD assistance For hearin im fired see reverse side 3. Write us at Discover Card, PO Box 30943, ( 9 f?a I SaM Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Apr 27 Apr 27 INTERNET PAYMENT -THANK YOU -30.00 Merchandise/Retail Apr 10 Apr 10 ADAMS CUMBERLAND MED C GARDNERS PA 35.00 information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.010689'0; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. 1 * ^ ~II\ III RI • 1111.11 Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. Our advanced fraud D{SCVER' J Account number ending in 8304 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 os soon as it's available rather than woit for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless M X2009 Dixwer Bonk, AAsmber FDIC Closing Date: May 2, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $942.91 0.00000% O.UO~ F 0.00% $0 $0 Cash Advances $0 0.057519e 20.995e F 20.99% $0 $0 The rates that apply to your Account are either Fixed (Fj or they may vary tvj as noted above. Qu@StIOflS? Manage your account at Diaeovatr•.com or ~ryll t;.Rnn.n~crnvco I7_RL1r1_~A77~p~1 U~SL~VtK $1,592.30 ~ $32.00 Payment Due Date July 1, 2007 02 SDSN6A01 0002152 STARNER, DENISE A 299 STARNER STATION RD ~ARDNERS PA 17324-8960 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 v~nth password- protected statements only you cen access. Learn more at discover.comlpaperless. PO BOX 71084 Illrr~llrrrllr~rrrlrll~rl~l CHARLOTTE NC 28272-1084 Address, a-mail or telephone change8 Print change in space ~~~Ir~~rr~t~~lil~r~r~~r~~~~>>~~I~~r~(r~~ri{i~(~~~~i~~~i~i~i~~~ above, or go to Discover.com. Print your e-mail oddress to receive important Account information and special offers. 000001986458111910309015923000000000003200 Discover More Card Account Summary Closing Date: June 2, 2007 page 1 of 2 Account number ending in 8304 Previous Balance $927.08 Poyment Due Date July 1, 2007 Payments And Credits - 25.00 Minimum Payment Due $32.00 Purchases + 690.22 Credit limit $6,800.00 Cash Advances + 0.00 Credit Available $5,207.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 0.00 Cash Credit Available $3,400.00 New Balance $1,592.30 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus° Opening Cashback Bonus Balance $ 4.73 New Cashback Bonus This Period + 2.02 Cashback Bonus Balance $ 6.75 Cashback Bonus® Since Anniversary Month - November: $6.75 Cashback Bonus(R) is America's #1 Cash Rewards Program) full 59° Cashback Bonus on Get More purchases in popular c~tegones throughout the year and up to 19o Cashback Bonus on all your other purchases. How Can We Hel You? 1 • Visit Discover.com to pay your btu for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Calf 1-800-DISCOVER (347-2683y for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Dote Payments and Crodits May 31 May 31 INTERNET PAYMENT -THANK YOU $ -25.00 Merchandise/RetaN May 7 May 7 WAL-MART SC - #2574 CARLISLE PA 126.59 May 31 May 31 WAL-MART SC - #2574 CARLISLE PA 13 i .OS Supormarksts May 22 May 22 GIANT FOOD STORES #1 12 CARLISLE PA 117.42 Warehouse Cluba May 28 May 28 BJ'S WHOLESALE YORK PA 315,16 Information For You Congratvlationsl Your Account's cash credit limit has been increased to $3,400.00. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. Soon we'll no longer be printing your full account number on your statement. It's just another way to keep your information safe. But of course, if Eor any reason you Head your full account number, iPll still be right there on your card. Get 53° Cashback Bonus(RI From July through September on gas, hotels, and admission to theme parks, water parks, VW~.~,~f~V GK DISCOVER Account number ending in 8304 Get added security with no paper trail w-~,, e~,-.,l Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, Sign up today at printable statements. '; Discovercom/paperless • See your statement as soon as it's available ~ ~` rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail - or text messages on your mobile phone. `~ _. _. ; • Print o paper copy of your statement anytime. (92009 Discover Bank, Member FDIC Closing Date: June 2, 2007 page 2 of 2 Build rewards faster with top online retailers such as Target.com, DicksSportingGoods.com, LandsEnd.com, iTunes.com and many more when you link through ShopDiscover. Just visit Discovercard.com/shop to see our full listing of online retailers) Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a ances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1 154.04 0.000009:0 0.0090 F 0.009'0 $0 $0 Cash Advances $0 0.05751 % 20.999:e F 20.99% $0 $0 The rates that apply to your Account are either fixed IF) or they may vary IV) as noted above. QueSt1011S? Manage your account at Discover.com or ,...il s _Qnn_nrc~^nvee i~ onn o ~~ n c o of VISC.:~ V $2,108.18 i $43.00 i Enter Amount Enclosed Below Payment Due Date August 1, 2007 please make check payable to Discover Card or pay online ~ Discovercard.com. 02 SDSN6A01 0002153 STARNER, DENISE A Go paperless and make your account information more secure with password- 299 STARNER STATION RD protected statements only you can access. GARDNERS PA 17324-8960 Learn more at discover.com/paperless. PO BOX 71084 ~~~rrr~~rrr~~~rrrr~i~~rr~~~ CHARLOTTE NC 28272-1084 Address, a-mail or telephone change6 Print change in space (111)~~r~111,1~~111~~~~~I111'I~~I~r~ll)~1)~ly'I1~~1~11'Il~i~ above, or go to Discover.com. Print your e-mail address to receive important Account information and.special offers. OOD001986458111910309021081800000000004300 Discover More Card Account Summary Closing Date: July 2, 2007 page 1 of 2 Account number ending in 8304 Payment Due Date August 1, 2007 Minimum Payment Due $43.00 Credit Limit $6,800.00 Credit Available $4,691.00 Cosh Credit Limit $3,400.00 Cash Credit Available $3,400.00 Previous Balance $1,592.30 Payments And Credits 32.00 Purchases + 547.88 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Char ss + 0.00 New Balance = $2,108.18 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 6.75 New Cashback Bonus This Period She Cashback Bonus + 25.00 Everywhere Else + 0.24 Cashback 8onustl9 Since Anniversary Month Cashback Bonus Balance $ 31.49 November: $31.49 CONGRATUWTIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2b83) to get your share of America's #1 Cash Rewards Program. How Can We Hei You? 1 • Visit Discover.com to pay your bbl for no coat, view our p latest Account information, earn and redeem rewards and more ~trS yOUr ChO1Ce - 3 WgyS tf0 hBlp 2• Call 1.800-DISCOVER (347-2683) For Fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trons. Post Dais Date Payments and Credits Jul 1 Jul 1 INTERNET PAYMENT • THANK YOU $ -32.00 Medical Services Jun 1 1 Jun 1 1 ADAMS CUMBERLAND FAM MED GARDNERS PA 20.00 Home Improvement Jun 21 Jun 21 LOWES 2409 YORK PA 527.88 Information For You Congratulations) Your Account's cosh credit {imit has been increased to $3,400.00 Manage your account your way -whether you prefer to speak with a live person or manage it on your own, Discover(R) i"__J L_. aL_ -:_La ___-.._a ~____-___._. _.. a: _._. [_.. .._.. ~t:_:. n:___.._. .. _I __ ._ ...11 i nnn nl ri^~.irn VIJ~.~. V'GK ~ .D~SC~R 4 Account number ending in 8304 Get added security with no paper trail Make your account information more secure with password-protected statements thot only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as iYs 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 Closing Date: July 2, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rote 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 currant billing period: 30 days Purchases $1815.97. 0.00000% 0.00% F 0.00% $0 $0 Cash Advances $0 0.05751 % 20.99% F 20.993'0 $0 $0 The rates that apply to your Aceount'are either Fixed (F) or they may vary (V) as noted above. QU®StiQnS? Manage your acc©unt at Diseover.eom or ,.,.II 1_onn_nlcrnvcu I1 O/1/19A7 ~tt001 cg2009 pixarer [Sank, Member FDIC VI,C.~ V tK sa,2so.21 , s8e.oo Payment Due Date September 1, 2007 02 SDSN6A01 0002154 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Enter Amount Enclosed Below Please make check payable to Discovet Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 III"'ll"'ll""'I'II"I'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space liil~lliilii~lilliiil~il~l~iilllli~il~~li~li~lli~l,ili,lil~ill above, or go to Dixover.com. Print your e-mail address to receive important Account information and spacial offers. 000001986458111910309042802100000000008600 Discover More Card Account Summary Closing Date; August 2, 2007 page 1 of 3 Account number ending in 8304 Previous Balance $2,108.18 Payment Due Date September 1, 2007 Payments And Credits - 60.00 Minimum Payment Due $86.00 Purchases + 296.95 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $2,519.00 Balance Transfers + 1,857.09 Cash Credit Limit $3,400.00 Finance Charges + 77.99 Cash Credit Available $2,519.00 New Balance = $4,280.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 31.99 New Cashback Bonus This Period + 0.88 Cashback Bonus® Since Anniversary Month November: $32.87 Cashback Bonus Balance $ 32.87 How Can We Help You? 1 • Visit Discover.com to pay your 611 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, U7 84130 Transactions SO Fraud Lfabflfty Guarantee Use your Discover Card with confidence Trans. Post Daro Date Payments and Crodits Jul 22 Jul 22 INTERNET PAYMENT -THANK YOU $ -60.00 Merchandise/Reta1 1ul 4 Jul 4 WAL-MART SC - #2574 CARLISLE PA 62.1 1 Jul 12 Jul 12 WAL-MART SC - #2574 CARLISLE PA 139.91 Jul 30 Jul 30 WAL--MART SC - #2574 CARLISLE PA 38.91 Automotive Jul 30 Jul 30 RUFE CHEVROLET INC CARLISLE PA 56.02 Balance Transfers Jul 16 Jul 16 WORLD FINANCIAL N XXXXX0969 BT TX 381.3fl Jul i 6 1ul 16 BAL TRANS TRANSACTION FEE FINANCE CHARGE 15.26 APR 3.40% EXPIRES 12/2007 Jul 16 Jul 16 WORLD FINANCIAL N XXXXX2769 BT TX 286.56 Jul 1 b Jui 16 BAL TRANS TRANSACTION FEE FINANCE CHARGE 1 1.46 APR 3.90% EXPIRES 12/2007 Jul 16 Jul 16 CITGO XXXXXXXX9002 BT IA 496.03 Jul 16 Jul 16 BAL TRANS TRANSACTION FEE FINANCE CHARGE 19.84 APR 3.90~o EXPIRES 12/2007 Jul 16 Jul 16 CHASE XXXXXXXXXXXX2314BT IL 693.12 Jul 16 Jul 16 BAL TRANS TRANSACTION FEE FINANCE CHARGE 27.72 APR 3.909'o EXPIRES 12/2007 Information For You Dixover Financial Services is proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Consider donatin8 your Cashback Bonus(R) to JDRF and you can help fund research to Find a cure. To further your donation, Discover(R) Card will add an additional 203'x. Visit Discovercard.com Mana~~]]e your budget, track your spending and avoid fees with FREE timely e-mail reminders. learn more about e-mail VIJ~."~:as"V CK DISCVER_,.I Account number ending in 8304 i Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through email or text messages on your mobile phone. • Print a paper copy of your statement anytime. '; Sign up today at I` Discovercom/paperless ~. t~2009 Dixover Bank, Member FDIC Closing Dote: August 2, 2007 page 2 of 3 Finance Charge Summary Nominal 7ransacfion Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE 8olances Rates RATES RATES C ES CHAS current billing period: 31 days Purchases $2256.59 0.000009'0 0.0090 F 0.009'0 $0 $0 Cash Advances $0 0.057519`0 20.99% F 20,999'0 $0 $0 BolanceTransfers $1122.44 0.010689'0 3.909e F 50.399'0 $3.71 $74.28 The rates that apply to your Account are either fixed (Fi or they may vary (V) as noted above. Qu@StIOnS? Manage your account at Discover.com or ,.,.II ~.ann.nicrnvcc n Rr1r14A7r1~441 ~' '~ ~ 5 ~,~~~ Account number ending in 8304 V~.~L •+ Y tK Au Vust 2, 200T page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: November 2 Balance Previous Cashback Bonus Award Balance $ 31.99 Purchase Award This Period + 0.88 Cashback Bonus Award Total 32.87 Cashback Bonus Award Balance Award Available to Redeem 32.87 $ 20.00 Restrictions apply fo the C~shback Bonus Parhter offers visit Diacow~.com or call 1-8Q0-DISCOVER (1-800.347.2683) for details. for program detai s, see the Cashback Bonus program Terms and Conditions. 4J1Jt,,,°;;:"V C~'( 56,524.73 $130.00 Payment Due Date October 1, 2007 02 SDSN6A01 0002155 STARNER, DENISE A 299 STARNER STATION RD 6ARDNERS PA 17324-8960 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 Illrirllrrrllirrrrl~llrrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space Irrl~~li~lrirlr~l~irli~lr~~~~ll~lrr~~~~lr~~rr~liilii{~ililirll above, or go to Discover.com. Print your e-mail address to receive important Recount information and special offers. OD000198645811191D309065247300000000013000 ..... Discover More Card Account Summary Closing Date: September 2, 2007 page 1 of 2 Account number ending in 8304 Previous Balance $4,280.21 Payment Due Date October 1, 2007 Payments And Credits - 86.00 Minimum Payment Due $130.00 Purchases + 222.09 Credit limit $6,800.00 Cash Advances + 2,000.00 Credit Available $275.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 108.43 Cash Credit Available $275.00 New Balance $6,524.73 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashlwt:k Bonus® Opening Cashback Bonus Balance $ 32.87 New Cashback Bonus This Period + 0.80 Cashback Bonuses Since Anniversary Month November: $33.67 Cashback Bonus Balance $ 33.67 CONGRATULATIONSI Your Cashback Bonus(R) is waiting far you. Visit Discovercard.com or call 1.800-DISCOVER (1-800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • Visit Discover.<om ro 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 your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearin im aired see reverse side 3. Write us at Discover Cord, PO Box 30943, ( 8 • P 1 Salt Lake City, UT 84130 Transactions $0 Fraud LiabFlFy Guarantee Use your Discover Card with confidence Trans. post Date Dafe Payments and Credits Aug 29 Aug 29 INTERNET PAYMENT -THANK YOU $ -86.00 Merchandise/RstaR Avg 9 Aug 9 ADAMS CUMBERLAND MED CTR GARDNERS PA 95.54 Cash Advances Aug 22 Aug 22 CASH ADVANCE CHECK #8730 2,000.00 Avg 22 Aug 22 CASH ADVANCE TRANS FEE FINANCE CHARGE 60.00 Wanshouss Gubs Aug 13 Aug 13 BJ'S WHOLESALE YORK PA 126.55 UISC: V tK r~'~ ~~ Account number ending in 8304 D15CVER J Get added security with no paper trai{ Make your account information more secure with password-protected statements that only you. can access. • Access up to 24 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait For it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. -r I Sign up today at `" Discovercom/paperless ®2009 Dlxover Bank, Member FDIC Closing Date: September 2, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES C RG CHARGES current billing period: 31 days Purchases $2521.10 0.035599'e 12.999'e V 12.99% 27.81 0 Cash Advances $799.95 0.05751 % 20.99% F 44.559e $14.26 $60.00 Balance Transfers $1924.29 0.01068% 3.90% F 3,909'0 $6.36 $0 The rates that apply to your Account are either fixed IF) or they may vary (V) as noted above. QUeStIOnS? Manage your account at Discover.com or 11 , nnn nr~nr-v~n „ nnn n .-, n , n.,, VIJ~.~ V CK 56,163.66 I 5122.00 ~ , Enter Amount Enclosed Below Payment Due Date November 1, 2007 please make check payable to Discover Card or pay online ~ Discovercard.com. 02 SDSN6A010002156 STARNER, DENISE A Gopaperlessandmakeyouraccount information more secure with password- 299 STARNER STATION RD protected statements only you can access. GARDNERS PA 17324-8960 Learn more at discover.coMpaperless. PO BOX 71084 III"'ll"'ll""'I'II"I'I CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space ~~rli~~i~lr~rlrl~~~rl~~li~~~~ll~lri~~iilr~l~il~~~liili~~il~~ll above, or go to Discover.com. Print your e-mail address to receive important Account informotion and spacial offers. ODOD01986458111910309D61636600000000012200 Discover More Card Account Summary Closing Date: October 2, 2007 page 1 of 1 Account number ending in 8304 Previous Balance $6,524.73 Payment Due Date November 1, 2007 Payments And Credits - 500.00 Minimum Payment Due $122.00 Purchases + 70.09 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $636.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 68.84 Cash Credit Available $636.00 New Balance = $6,163.66 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 33.67 New Cashback Bonus This Period + 0.17 .Cashback Bonus Balance $ 33.84 Cashback-Bonus®-Since Anniversary Month November: $33.84 CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1. Visit Discowr.com to pay your bdl for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.8oo-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 Sclt Lake Cify, UT 84130 Transactions Payments and Crod'Bs Merchandise/Retail $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Dale Sep 29 Sep 29 INTERNET PAYMENT -THANK YOU Sep 23 Sep 23 WAL-MART SC - #2574 CARLISLE PA $ -500.00 70.09 Finance Charge Summary Balance Transfer offer For current billing period: Daily Periodic Rate: 0.010689'0; corresponding ANNUAL PERCENTAGE RATE: 3.909'0.. 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 glances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2631.34 0.034229'0 12.4990 V 12.499'0 $27.02 $0 Cash Advances 52091.65 0.05751% 20.99% F 20.999'0 $36.09 $0 Balance Transfers $1791.62 0.0106890 3.9090 F 3.90 $5.73 SO The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Wish you could sort these purchases by amount, description or category$ You can - re ester at Discovercard.com to view vrom nnrrhnene nhlina nc fnr hn~4 n. 19 m.,.,~~.e le.,r........m ..~ Ili................J ....... /..... ~-.... V~1JLl.."v~K $6,145.03 ` S122.00 ~ Enter Amount Enclosed Be4ow Payment Due Date December 1, 2007 please make check payable to Discover Card or pay online ~ Discovercard.cam. 02 SDSN6AOt 0002157 STARNER, DENISE A Go paperless and make your account information more secure vnth password- 299 STARNER STATION RD protected statements only you can access. GARDNERS PA 17324-8960 Learn more at discover.comlpaperless. F'0 BOX 71084 ~~~in~fnr~~nur~r~~u~r~ CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space (~~4~~~r~~~~~lr~~r~~~~~~r~r~~'~~~~r~~r~,rl,~i,~~~~~~~~~,~~~~~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. DDOD01986458111910309061450300000D00012200 Discover More Card Account Summary Closing Date: November 2, 2007 page 1 of 2 Account number ending in 8304 Previous Balance $6,163.66 Payment Due Date December 1, 2007 Payments And Credits - 155.00 Minimum Payment Due $122.00 Purchases + 6d.63 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $654.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 71.74 Cosh Credit Available $654.00 New Balance = $6,145.03 You may be able fo avoid Periodic Finance Charges, see the reverse side For details. CCSII6OCIC BOnUS® Opening Cashback Bonus Balance $ 33.84 New Cashback Bonus This Period + 0.16 Cashback Bonus Balance $ 34.00 Cashback Bonus® Since Anniversary Month - - - - November: $34.00 How Can We Help You? 1. visit Discover.com fo 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 options or to speak with a Customer Service Account Manager Please have your Discover Cord avoi{oble. 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. Trana. Post Date Date Payments and Credits Oct 29 Oct 29 INTERNET PAYMENT • THANK YOU $ -155.00 Merchandise/Retail Oct 4 Oct 4 WAL-MART SC - #2574 CARLISLE PA 64.63 Finance Charge Summary Balance Transfer offer For current billing period: Daily Periodic Rate: 0,01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration: Nominal Transaction Average Daily ANNUAL ANNUAL 'Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2768.86 0.03422% 12.49% V 12.49% $29.37 $0 Cash Advances $2128.66 0.05751% 20.99% F 20.99% $37.95 $0 Balance Transfers $1338.34 0.01068q 3.90% F 3.40% $4.42 $0 The rates that apply to your Account .are either fixed (F) or they may vary (V) as noted above. Wish you could.sort these purchases by amount, description or category8 You can -register at Diseovereard.com to view .._....-..__L __-_ _._I:.._ _._ [_... I_...L _.. to ..._.J-. ~ _..... . ~. I / VIJL. ~V CK November 2, 2007 Account number ending in 83Qd `---- ~ page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: November 2 Balance Previous Cashback Bonus Award Balance $ 33.84 Purchase Award This Period + 0.16 Cashback Bonus Awar Tota 34.00 Cashback Bonus Award Balance Award Available to Redeem 34.00 $ 20.00 Restrictions apply to the Cashback Bonus Partner offers visit Diseover.com or call 1-800-DISCOVER (1.80Q347-2683) For details. For program details, see the Cashback Bonus grogram Terms and Conditions. DISG~VEK s6,457.11 '~ s12B.oo ' Payment Due Date January 1, 2008 02 SDSN6A01 0002158 STARNER, DENISE A 299 STARNER STATION RD 6ARDNERS PA 17324-8960 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.com/paperless. PO BOX 71084 III"'I~"'ll""'I'II"I'I CHARLOTTE HC 28272-1084 Address, e-mail or telephone change$ Print change in space I~~I~I~~~I~~~1~11~~~~~~1~1~~~1111~~~1~~1~1I~~Il~~l~~l~il~l~ill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458111910309064571100000000012800 Discover More Card Account Summary Closing Date: December 2, 2007 page 1 of 2 Account number ending in 8304 Previous Balance $6,145.03 Payment Due Date January 1, 2008 Payments And Credits - 125.00 Minimum Payment Due $128.00 Purchases + 365.00 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $342.00 Balance Transfers + 0.00 Cash Credit Limit 400.00 $3 Finance Charges + 72.08 Cash Credit Available , $342.00 Naw Balance _ $6,457.11 You may be able to avoid Periodic Finance Charges, see the reverse side For details. CaShbaCIC Bonus° Opening Cashback Bonus Balance $ 34.00 New Cashback Bonus This Period + 0.91 Cashback Bonus Balance $ 34.91 Cashback Bonus® Anniversary Month: November CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800.DISCOVER (1-800.347-2683) to get your shore of America's #1 Cosh Rewards Program. How Can We Help You? l . Visit DFscover.com to pay your bill for no cost, view ur latest Account information, earn and redeem reward and more It's your choice - 3 ways to help 2• Ca{I 1-BOaDISCOVER (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 . Dats Dats Payments and Crodits Nov 30 Nov 30 INTERNET PAYMENT -THANK YOU $ -125.00 Servicos Nov 11 Nov 11 ANIMAL EMERGENCY MED MECHANICSBURGPA 150.00 Nov 1 1 Nov 1 1 ANIMAL EMERGENCY MED MECHANICSBURGPA 215.00 VIJ~.~":%V CK i Q~SCyER ~ Account number ending in 8304 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can occess. • Access up to 24 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-moil or text messages on your mobile phone. • Print o paper copy of your statement anytime. Sign up today at Discovercom/paperless trd2009 Discover Bank, fNsmber FDIC Closing Date: December 2, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer For current billing period: Daily Periodic Rate: 0.027379e; corresponding ANNUAL. PERCENTAGE RATE: 9.999'°. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3068.34 0.033539'° 12.24% V 12.249'° $30.86 $0 Cash Advances $2146.31 0.05751% 20.999'° F 20.99% $37.38 $0 BalanceTransFers $1199.96 0.010689'° 3.909'° F 3.909'° $3.84 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. QueStIOnS? Manage your account at Di:cover.~om or ,.nll ~_unn_ntcrnvco n Qnr14A77.GO71 DISCOVER ~se,ail.vi~-- 02 SDSN6A01 0002159 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 $127.00 ~ Enter Amount Enclosed Below Payment Due Date February 1, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure wdh password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Illurilnrli nrnlrllnlrl CHARLOTTE NC 28272-1084 Address, email or telephone changeZ Print change in space ~~rl~ll~~~i~~~~~~~~~liil~~~i~llll~~~l~~l~~~~~ ll~~l~~~~~~~l~~~l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458111910309064119 100000000012700 Discover More Card Account Summary Closing Date: January 2, 200$ page 1 of 1 Account number ending in 8304 Previous Balonce $6,457.11 Payment Due Date February 1, 2008 Payments And Credits - 128.00 Minimum Payment Due $127.00 Purchases + .0.00 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $388.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 82.80 Cash Credit Available $388.00 New Balance = $6,411.91 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 34.91 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance Cashback Bonus® Anniversary Month: November CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Dixovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. 34.91 How Can We Help You? 1 • Visit Discovsr.com to pay your bbl for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-800-DISCOVER (347-2683) for fast, easy 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 Dais Paymsnta and Crodits Dec 29 Dec 29 INTERNET PAYMENT -THANK YOU $ -128.00 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.027129'°; corresponding A NNUAL PERCENTAGE RATE: 9.40°!°. 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 $4271.89. 0.03285% 11.9990 V 11.999'0 $43.50 $0 Cash Advances $2204.64 0.057519:° 20.999'° F 20,99% $39.30 $0 The rates that apply to your Account are either fixed (F) or they may vary (V( as noted above. Wish you could sort these purchases by amount, description or categoryZ You can - re~isfer at Discovercard.com to view VIJ~. V GK sb,at3.eo ~ 5127.00 Payment Due Date March 1, 2008 02 SDSN6A01 0002160 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 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 wfth password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 {{{ui{{nr{{nus{r{{n{r{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change3 Print change in space ~~r{r{{r~{r~rlr~{r~~{»{r{rrr~{~{rri{r~~~r{rr{{ri{r~{ri{r{„{{ obove, or go 1o Discover.com. Print your e-mail address to receive important Account information and special offers. OODD01986458111910309064136000000000D12700 Discover More Card Account Summary Closing Date; February 2, 2008 page 1 of 1 Account number ending in 8304 Previous Balance $6,41 1.91 Payment Due Date March 1, 2008 Payments And Credits - 130.00 Minimum Payment Due $127.00 Purchases + 53.43 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $386.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Chargsa + 78.26 Cash Credit Available $386.00 New Balance = $6,413.60 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashlwck Bonuse Opening Cashback Bonus Balance $ 34.91 New Cashback Bonus This Period + 0.13 Cashback Bonus® Anniversary Month: November CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. Cashback Bonus Balance 35.04 How Can We Help You? 1. visit Diseovsr.eom 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. Call 1.800-DISCOVER (347-2663) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Accovnt Manager For TDD assistance For hearin im aired see reverse side 3. Write us at Dixover Card, PO Box 30943, ( g • P ) Salt Lake City, UT 84130 Transactions $0 Fraud Liabi{ity Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Crodils Jan 29 Jan 29 INTERNET PAYMENT -THANK YOU $ -130.00 Merchandise/Retail Jan 29 tan 29 WAL-MART SC - #2574 CARLISLE PA 53.43 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE la ces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4193.09 0.02942% 10.74% V 10.74% $38.25 $0 Cash Advances $2244.28 0.05751 % 20.99% F 20.99° $40.01 $0 The rotes that apply to your Account are either fixed (F) or they may vary (V) as noted above. Visit the NEW Oixover lnsurancs Center to Find high quality protection For your family, home and auto. Request a quote a: . r C : I I ,.. ~.........,........__~;.,_. ,..~d ..,,,.,. online or usw the Knnwlerine Riiilrter In rend wi+nl evrea. ~...... ___ _. _ __ ..._. - ~~~C~~ER $6,360.16 ~ 5126.00 Payment Due Date April 1, 2008 02 SDSN6A01 0002161 STARNER, DENISE A 299 STARNER STATION RD r;ARDNERS PA 17324-8960 Enter Amount Enclosed Below Pease 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 tII"'II"'II""'I'II"I') CHARLOTTE NC 28272-1084 Address, emmail or telephone changey Print change in space I~~I~II~~I~~~~~~I~~~I~~I~I~i~I~I~~~~~~~~~iI~~II~~~ri~~~~~~~~~I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458111910309063601600000000012600 Discover More Card Account Summary Closing Date: March 2, 2008 page 1 of 1 Account number ending in 8304 Previous Balance $6,413.60 Payment Due Date April 1, 2008 Payments And Credits - 127.00 Minimum Payment Due $126.00 Purchases + 0.00 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $439.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Char ss + 73.56 Cash Credit Available $439.00 New Balance = $6,360.16 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banus® Opening Cashback Bonus Balance $ 35.04 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance Cashback Bonus® Anniversary Month: November CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800.347-2683) to redeem. 35.04 How Can We Help You? 1 • Visit Diuover.com to pay your bill for no cost, view ur latest Account information, earn and redeem reward~cnd more ItrS yOUr ChO1Ce - 3 WgyS t0 h@Ip 2. Call 1-800-DISCOVER (347-2683) for Fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, ForTDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liablllty Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Mar 1 Mar 1 INTERNET PAYMENT -THANK YOU $ -127.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FFNANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $415b.99 0.02942°Jo 10.7d% V 10.743'0 $35.48 $0 Cash Advances $2283.32 0.05751% 20.999'° F 20.99% $38.08 $0 The rates that apply to your Accovnt are either fixed (F) or they may vary (V) as noted above. VIJI.FY CK s6,a33.7o 02 SDSN6A01 0002162 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 $128.00 i Enter Amount Enclosed Below Payment Due Date May 1, 2008 Please make check payable to Discover Card or pay online ~ Discovercard.eom. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at dlscover.coMpaperless. PO BOX 71084 ~~~iu~~ur~~nnr~r~~n~r~ CHARLOTTE NC 28272-1064 Address, o-mail or telephone change$ Print change in space Ir`Ir~lrrl~rr~~~,~r`Irr~~,~~rll~~r~~~~r~r~~r~~~~r~~r~r~~~~r~~~ above, or go to Discover.com. Print your o-mail addross to receive important Account information and special offers. ODD001986458111910309064337D000OOOOD012800 Discover More Card Account Summary Closing Date: April 2, 2008 page 1 of 1 Account number ending in 8304 Previous Balance $6,360.16 Payment Due Date May 1, 2008 Payments And Credits - 130.00 Minimum Payment Due $128.00 Purchases + 127.57 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $366.00 Balance Transfers + 0.00 Cash.Credit limit $3,400.00 Finanes Charles + 75.97 Cash Credit Available $366.00 New Balance $6,433.70 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CC1ShbaCIC BOItUS° Opening Cashback Bonus Balance $ 35.04 New Cashback Bonus This Period + 0.31 Cashback Bonus Balance $ 35.35 Cashback Bonuse Anniversary Month: November CONGRATUlAT10NS1 Your Cashback Bonus(R) is waiting for you. Visit Dixover.com or call 1-800-DISCOVER (1.800.347-2683) ro redeem. How Can We Help You? 1 • Visit Discowr.eom 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 1.80o-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 Dixover 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 Dais Payments and Crodih Mar 31 Mar 31 INTERNET PAYMENT -THANK YOU $ -130.00 Merchandise/Rstad Mar 31 Mar 31 WAL--MART SC • #2574 CARLISLE PA 97.26 Mar 31 Mar 31 KMART CARLISLE PA 30.31 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 $4073.56 0.02737% 9.99% V 9.99% $34.55 $0 Cash Advances $2323.05 0.057519'0 20.9990 F 20.949'0 $41.42 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above. Visit the Dixover Insurance Center to Find high quality protection for your family, home and auto. Request a quote online or nsw fhs, Knrtwlwrlna Rnile~l.r fn rend wl+n~ f{.n av..o.1e .n., ..l+....1 .,..... d... t............., -....a:-~. v:-:a DISCOVER ss,avs.ia 02 SDSN6A01 0002163 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 $129.00 ~ Enter Amount Enclosed Below Payment Due Date June 1, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Address, e-mail or telephone changey 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 discoveccomfpaperless. PO BOX 71084 ~~~rn~~ur~~nur~r~~n~r~ CHARLOTTE NC 28272-1084 ~n~i~~n~u~~~~~ni~ii~~~ni~~~~ni~u~u~u~~u~n~n~i~n~~ 000001986458111910309064937800000000012900 Discover More Card Account Summary Closing Date: May 2, 2008 page 1 of 1 Account number ending in 8304 Payment Due Date June 1, 2008 Minimum Payment Due $129.00 Credit Limit $6,800.00 Credit Available $306.00 Cash Credit Limit $3,400.00 Cash Credit Available $306.00 Previous Balance $6,433.70 Payments And Credits - 140.00 Purchases + 124.99 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 75.09 New Balance _ $6,493.78 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CQSI16C1CIC Bct1US® Opening Cashback Bonus Balance $ 35.35 New Cashback Bonus This Period + 0.31 Cashback Bonus Balance $ 35.66 Cashback Bonus® Anniversary Month: November CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1.800-DISCOVER (1-800.347.2683) to redeem. How Can We Hel You? 1 • Visit Discover.com to pay your bill for no cost, view our P latest Accovnt information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) for Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions Payments and Crodih SOrVIC6S Dsparhnent Sroro $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Apr 29 Apr 29 INTERNET PAYMENT - THANK.YOU $ -140.00 Apr 8 Apr 8 BOIL-NG SPRINGS ANIMAL H BOILING SPRINPA 75.00 Apr_ 1.6 Apr 16 KOHLS 0188. CARLISLE PA 49.99 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 $4177.91 0.02737° 9.9990 V 9.999'° $34.30 $0 Cash Advances $2364.15 0.05751 % 20.999'° F 20.99% $40.79 $0 The rates that apply to your Account are either fixed (F) or they may vary N) as noted above. V~J(,,V CK $6,594.09 02 SDSN6A01 0002164 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 $131.00 ~ Enter Amount Enclosed Below Payment Due Date J ~ ~ ~. July 1, 2008 Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Ill~~rll~~rllr~r~rlrll~slrl CHARLOTTE NC 28272-1084 Address, a-mail or telephone change8 Print change in space I~~lill~~liiil~lli~~~i~l~l~~~~l~liirliil~~li~lliil~il~~l~l~~ll above, or go to Discover.eom. Print your e•moil address to receive important Account information and special offers. 000001986458111910309065940900000000013100 Discover More Card Account Summary Closing Date: June 2, 2008 page 1 of.l Account number ending in 8304 Previous Balance $6,493.78 Payment Due Date July 1, 2008 Payments And Credits 160.00 Minimum Payment Due $131.00 Purchases + 183.08 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $205.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 77.23 Cash Credit Available $205.00 New Balance = $6,594.09 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ct]sI16CCIC oVnUS® Opening Cashback Bonus Balance $ 35.66 New Cashback Bonus This Period + 0.45 Cashback Bonus Balance $ 36.11 'Cashback Bonus® Anniversary Month: November CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800•DISCOVER (1-800.347-2683) to redeem. How Can We Hel You? P 1 • visit Dixowr.com to pay your bdl for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1.800-DISCOVER (347-2683) for Fast easy selF-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD assistance For hearin im aired see reverse side ( g P ) 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 Dafs Date Payments and Crodits May 28 May 28 INTERNET PAYMENT -THANK YOU $ •160.00 Merchandise/Retail May 26 May 26 WA4MART SC - #2574 CARLISLE PA 164.07 Supermarkets May.B. May 8 GIANT FOOD #112 CARLISLE. PA 1.9.01 000100 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balanc t R PERCENTAGE PERCENTAGE FINANCE FINANCE RATES R es a es ATES CHARGES CHARGES current billing period: 31 days Purchases $4152.38 0.02668% 9.749'° V 9.74°a $34.34 $0 Cash Advances $2405.97 0.05751 % 20.999'° F 20.999'° $42.89 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. ~~JL~~VE~ S6,675.15 02 SDSN5A01 0002165 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 $132.00 Enter Amount Enclosed Below Payment Due Date August 1, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Address, e-mail or telephone change8 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. PD BOX 71084 Ill~rrllrrrllrrrrrlrll~~l~l CHARLOTTE NC 28272-1084 ~u~i~~u~ni~il~n~~u~i~ni~~~~u~~n~n~n~~u~n~n~~~n~~ OODD0198645811191D3090667515000DODOOD13200 Discover More Card Account Summary Closing Date: July 2, 2008 page 1 of 1 Account number ending in 8304 Previous Balance $6,594.09 Payment Due Date August 1, 2008 Payments And Credits - 160.00 Minimum Payment Due $132.00 Purchases + 165.31 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $124.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges _ + 75.75 Cash Credit Available $124.00 New Balance _ $6,675.15 You may be able to avoid Periodic fi nance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 36.1 1 New Cashback Bonus This Period + 0.41 Cashback Bonus Balance $ 36.52 Cashback Bonus® ~inniversary - - - Month: November CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit ' Discover.com or call 1-800-DISCOVER (1-800-347.2683) to redeem. How Can We Hel YOU? 1 • Visit Discover.com to pay your bRl for no cost, view our l~ 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 Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits tun 21 Jun 21 INTERNET PAYMENT -THANK YOU $ -160.00 Merchandise/Retail tun 14 Jun 14 WAL-MART SC - #2574 CARLISLE PA 96.67 Jun 30 Jun 30 WAL-MART SC - #2574 CARLISLE PA 68.64 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 $4186.22 0.026689'0 9.7490 V 9.749:a $33.51 $0 Cash Advances $2448.53 0.05751%0 20.99% F 20.99% $42.24 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Wish you could sort these purchases by amount, description or category8 You can - re~ister at Discovercard.com to view ..-.._.-..--L..___.-1:____r__L__I. __in ____.L. ~__...__. ___.. n~.. _.._.... i i V~JI,`ti.;iV CK S6,736.75 ~ $134.00 ~ ~ Enter Amount Enclosed Below Payment Due Date ~ ~-~ September 1, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. 02 SDSN6A07 0002766 STARNER, DENISE A Go paperless and make your account information more secure wRh password- 299 STARNER STATION RD protected statements only you can access. GARDNERS PA 17324-8960 Learn more at discover.comlpaperless. PO BOX 71084 (~~~r~~~rri~~rrrr~~r~~r~~~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space I~~I~II~i~~~~I~II~~~~~~1~'~~~III~~~~I~~'~~I~~II~~'~~I~~I~I~rll above, or go.to Discover.com. Print your e-mail address to receive important Account information and special oFFers. OD0001986458111910309067367500000000013400 Discover More Card Account Summary Closing Date: August 2, 2008 page 1 of 1 Account number ending in 8304 Previous Balance $6,675.15 Payment Due Date September 1, 2008 Payments And Credits 145.00 Minimum Payment Due $134.00 Purchases + 127.59 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $63.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 79.01 Cash Credit Available $63.00 New Balance $6,736.75 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 36.52 New Cashback Bonus This Period + 0.31 Cashback Bonus Balance $ 36.83 Cashback Bonus® Anniversary - Month: November CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800.DISCOVER (1-800.347.2683) to redeem. How Can We Hel YOU? l~ 1 • Visit Diacover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 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 Liabllfty Guarantee Use your Discover Card with confidence. Trans. Post Dais Date Payments and Credits Jul 21 Jul 21 INTERNET PAYMENT • THANK YOU $ -145.00 Merchandise/Retail Jul 29 Jul 29 WAL-MART SC - #2574 CARLISLE PA 127.59 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Purchases $4181.30 0.02668% 9.749a V 9.74% $34.59 $0 Cash Advances $2491.84 0.057513'0 20.99% F 20.999'0 $44.42 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. V~JLVtK $6,671.87 02 SDSN6A010002167 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 $132.00 ~ Enter Amount Enclosed Below Payment Due Date Cktober 1, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure wRh password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084. IIlr~rll~rrllrr~~rlrllrsl~I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space I~~I~II~~I~~~~~II~~~~~~I~Ii~~IIII~i~Ii~I~iliilliil~~Iirlil~il above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645811191030906671870D000000013200 Discover More Card Account Summary Closing Date: September 2, 2008 page 1 of 1 Account number ending in 8304' Previous Balance $6,736.75 Payment Due Date October 1, 2008 Payments And Credits - 145.00 Minimum Payment Due $132.00 Purchases + 0.00 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $128.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charles __ + 8_0.12 Cash Credit Available $128.00 New Balance = $6,671.87 You may be able to avoid Periodic Finance Charges, see the ' reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 36.83 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: November Cashback Bonus Balance 36.83 CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1-800-DISCOVER (1-800.347-2683) to redeem. How Can We Hel YOU? 1 • Visit Discover.com to pay your bill for no cost, view our p latest Account information, earn and redeem rewards and more ItrS yOUr ChOICe - 3 WCJyS fO help 2. Call 1.800-DISCOVER (347-2683) For fast, easy selFserviee Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance For hearin im ved see reverse side 3. Write us at Discover Card, PO Box 30943, ( 9 ~ F~~ ) SaM Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Poet Date Dote Payments and Crodits Aug 30 Aug 30 INTERNET PAYMENT -THANK YOU $ -145.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES currant billing period: 31 days Purchases $4220.15 0.026689a 9.749a V 9.74% $34.90 $0 Cash Advances $2536.64 0.057519'0 20.999a F 20.99°:0 $45.22 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above. V~JLV CK 56,722.84 S133.00 ( Enter Amount Enclosed Below Payment Due Date November 1, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. 02 SDSN6A01 0002768 STARNER, DENISE A Gopaperlessandmakeyouraccount information more secure with password- 299 STARNER STATION RD protected statements only you can access. GARDNERS PA 17324-8960 Learn more at discover.comlpaperless. PO BOX 71084 ~~~r~r~~rrr~~r~rrr~r~~r~~r~ CHARLOTTE NC 28272-1084 Address, email or telephone changed Print change in space Irrlrllrrlrrrlrllrrr'rrlrlrrr~'Ilrrrlrrlrrlrr~Irr~rrlrrlrlrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OOOOD19864581119103090672284000D0000013300 Discover More Card Account Summary Closing Date: October 2, 2008 page 1 of 1 Account number ending in 8304 Previous Balance $6,671.87 Payment Due Date November 1, 2008 Payments And Credits - 260.00 Minimum Payment Due $133.00 Purchases + 233.42 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $77.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finan cs Charges + 77.55 Cash Credit Available $77.00 _ New Balance $6,722.84 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 36.83 New Cashback Bonus This Period + 0.58 Redeemed This Period - 20.00 Cashback Bonus® Anniversary Cashback Bonus Balance $ 17:41 Month: November Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus~R). How Can We Hel YOU? 1 • Visit Discowr.com to pay your 671 for no cost, view ur p latest Account information, cam and redeem reward and more It's your choice - 3 ways to help 2. cau 1-800-DISCOVER (347-2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud liabfify Guarantee Use your Discover Card with confidence Trans. Post Dale Date Payments and Credits Sep 21 Sep 21 INTERNET PAYMENT -THANK YOU $ -140.00 Sep 29 Sep 29 INTERNET PAYMENT -THANK YOU _100,00 Award and Rebate Crodits Sep 29 Sep 29 REWARD REDEMPTION CREDIT .20,00 Merchandise/Retail Sep 26 .Sep 26 WAL-MART_SC - #2574 CARLISLE PA_ 56.1.3 Sep 27 Sep 27 KMART CARLISLE PA 62.38 Sep 29 Sep 29 WAL-MART SC - #2574 CARLISLE PA 84.91 Services Sep 1 Sep 3 MDA TELETHON HARRISBURG PA 30.00 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily B l Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a ances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $4122.71 0.02668% 9.74% V 9.749'0 $33.01 $0 Cosh Advances $2581.51 0.057519'0 20.9990 F 20.99% $44.54 $0 The rates that apply to your Account are either fixed iF) or they may vary (V) as noted above VIJ~.V CK $6,667.27 15132.00 I Enter Amount Enclosed Below Payment Due Date December 1, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. 02 SDSN6A01 0002169 STARNER, DENISE A Go paperless and make your account information more secure month password- 299 STARNER STATION RD protected statements only you can access. GARDNERS PA 17324-8960 Learn more atdiscoveccom/paperless. PO BOX 71084 Ill~rrllrrrll~~~r~l~ll~~l~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeit Print change in space liil~~liili~ililli~iliililiiillllii~l~~l~~li~ll~~liiliil~liill above, or go to Discover.com. Print your emmail address to receive important Aceount information and special offers. 000001986458111910309066672700000000013200 Discover More Card Account Summary Closing Date: November 2, 2008 page 1 of 2 Account number ending in 8304 Previous Balance $6,722.84 Payment Due Dote December 1, 2008 Payments And Credits - 133.00 Minimum Payment Due $132.00 Purchases + 0.00 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $132.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Cha~a + 77.43 Cash Credit Available $132.00 New Balance = $6,667.27 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashback Bonus® Anniversary Month: November Opening Cashback Bonus Balance $ 17.41 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 17.41 How Can We Hel YOU? p 1 • Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347.2683) For Fast, easy selFserviee Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Posf Date Date Payments and Crodits Oct 31 Oct 31 INTERNET PAYMENT -THANK YOU $ -133.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE alanc s Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4120.20 0.02395°a 8.7490 V 8.7430 $30.59 $0 Cash Advances $2627.18 0.057519a 20.993'0 F 20.990 $46.84 $0 The rates that apply to your Account are either fixed (F~ or they may vary (V) as noted above. VW~,Y CR ~ November 2, 20081 Account number ending in 8304 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: November 2 Balance Previous Cashback Bonus Award Balance $ .17.41 Purchase Award This Period + 0.00 Cash ac Bonus Awar Tota 17.41 Cashback Bonus Award Balance 17,41 Award Available to Redeem $ 0.00 Restrictions apply to th Cashback Bonus Partner offers visit Diacovsr.com or call 1-800-DISCOVER i1-800-347-2683) for details. For program ~etails, see the Cashback Bonus grogram Terms and Conditions. V~,L~~~V tK $6,610.23 ~ $131.00 ~~ Enter Amount Enclosed Below Payment Due Date $ ~ -~ January 1, 2009 please make check payable to Discover Cord ar pby online ~ Discovercard.com. 02 SDSN6A01 0002170 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Address, e-mail or telephone change3 Print change in space above, or go to Discover.com. Print your a-mail address to receive important Recount information and special offers. Go paperless and make your account information more secure with passwvord- protected statements only you can access. Leam more at discover.com/paperless. PO BOX 71084 III"'Il"'Il""'I'II"I'I CHARLOTTE NC 28272-1084 (~rlrllrrl~r~l~ll~i,I~rl~lr~~llll~r~I,~Ir~l~~ll„Irrlr~l,l,rll 000001986458111910309066102300000000013100 Discover More Card Account Summary Closing Date: December 2, 2008 page 1 of 1 Account number ending in 8304 Previous Balance $6,667.27 Payment Due Date January 1, 2009 Payments And Credits. - 132.00 Minimum Payment Due $131.00 Purchases + 0.00 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $189.00 'Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges _ + 74.96 Cash Credit Available $189.00 New Balance = $6,610.23 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashback Bonus® Anniversary Month: November Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 17.41 + 0.00 $ 17.41 1. Visit Discover.com to pay your bill for no cost, view our 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 (347-26831 For fast, easy selFservice options or to speak with a Customer Service Aeeount Manager Please have your Discover Card available. 3. Write us at Discover Cord, 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 Crsdits Nov 29 Nov 29 INTERNET PAYMENT -THANK YOU $ -132.00 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 $4012.21 0.023959'° 8.74% V 8.7d% $28.83 $0 Cash Advances $2673.66 0.057519'° 20.999'° F 20.999'° $46.13 $0 The rates that apply to your Account are either Fixed (FI or they may vary (V) as noted above. V~J~.+a~VC~'( $6,686.40 $133.00 I EnterAmovntEnclosedBelow Payment Due Date $ ~- February 1, 2009 please make check payable to Discover Card or pay online ~ Discovercard.com. 02 SDSN6A01 0002171 STARNER, DENISE A Gopaperlessandmakeyouraccount information more secure with password- 299 STARNER STATION RD protected statements only you can access. GARDNERS PA 17324-8960 Learn more at discover.com/paperless. PO BOX 71084 Illrr~ll~~rllr~~rrlrllr~lrl CHARLOTTE NC 28272-1084 Address, o-mail or telephone change;! Print change in space I~~lilli~l~~~l~~liiili~li~~~illll~~i(iil~~l~illi~l~~liilil~rll above, or go to Discover.com. Print your o-mail address to receive important Account information and special offers. 000001986458111910309066864000000000013300 Discover More Card Account .Summary Closing Date: January 2, 2009 page 1 of 1 Account number ending in 8304 Previous Balance $6,610.23 Payment Due Date February 1, 2009 Payments And Credits - 131.00 Minimum Payment Due $133.00 Purchases + 131.28 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $113.00 Balance Transfers + 0.00 Cash Credit limit $3,400.00 Finance Charges + 75.89 Cash Credit Available $1 13.00 New Balance $6,686.40 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 17.41 New Cashback Bonus This Period + 0.32 Cashback Bonus Balance $ 17.73 `Cashback Bonus® Anniversary - - - - - - Month: November Keep building your rewards with every purchase. Start redeeming once yov reach $20 Cashback Bonus(R). How Can We Hel YOU? P 1 • Visit Discowr.com to pay your bill For no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800.DISCOVER (347-2683) For fast easy self-service Please have your Discover Card available. , options or to spook with a Customer Service Account Manager For TDD (ossistanca for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 - Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Daro Daro Payments and Crodita Dec 29 Dec 29 INTERNET PAYMENT -THANK YOU $ .131,00 Merchandise/Retail Dec 2 Dec 3 WAL-MART SC - #2574. CARLISLE PA 131.28 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE FINANCE CHARGES CHARGES current billing period: 31 days Purchases $4036.11 0.02189 7.9990 V 7.990 $27.38 $0 Cash Advances 52720.96 0.05751 ~0 20.99% F 20.9990 $48.51 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. DISGV ER $6,702.92 ~L$133.00 ~ i Enter Amount Enclosed Below Payment Due Date March 1, 2009 Please make check payable to Discover Card or pay online ~ Discovercard.com. 02 SDSN6A010002172 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.corrUpaperless. PO BOX 71084 Illr,rll~~rllr~rrrlrll~rlsl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes Print change in space ILIIIIIILIILLILIILLLILI'IIILIIIIIILLILLILLILIIIIIIILILLILILLII above, or go fo Discover.com. Print your email address to receive important Account information and special offers. 000001986458111910309067029200000000013300 Discover More Card Account Summary Closing Date: February 2, 2009 page 1 of 2 Account number ending in 8304 Payment Due Date March 1, 2009 Minimum Payment Due $133.00 Credit Limit $6,800.00 Credit Available $97.00 Cash Credit Limit $3,400.00 Cosh Credit Available $97.00 Previous Balance $6,686.40 Payments And Credits - 133.00 Purchases + 73.19 Cash Advances + 0.00 Balance Transfers + 0.00 Fina nce Cha r es + 76.33 _ _ _ __ New Balance _ $6,702.92 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 17.73 New Cashback Bonus This Period + 0.18 Cashback Bonus Balance $ 17.91 Cashback Bonus® Anniversary- Month: November How Can We Hel YOU? 1 • Visit Dis<aver.cam to pay your bill for no cost, view ur l~ latest Account information, earn and redeem reward 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 Salf Lake City, UT 84130 Trans. Post Date Date Payments and Credits Jan 30 Jan 30 INTERNET PAYMENT -THANK YOU $ -133.00 Merchandise/Retail Jan 19 Jan 19 WAL•MART SC - #1823 HANOVER PA 73.19 Information For You Get the new debit card For teens with parental controls. With Current(SM) by Discover(R) Card, you can set spending limits, track card usage and restrict where they shop. Infroduce your teen to smart spending habits today) Use Promo Code TM209 by 4/30/09 to get the first month FREE ($5 value) at CurrentbyDiscover.com. See website for details. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba antes Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3971.60 0.0218990 7.99% V 7.999'° $26.95 $0 Cash Advances $2769.89 0.05751 % 20.99% F 20.99% $49.38 $0 The rates that apply to your Account are either Fixed (F) or they may vary N) as noted above Income Gap Protection gives you cash when You need it most -when your income is interrupted by involuntary V~,(r'~., ,;~V CF( ~° ~ ~ Account number ending in 8304 February 2, 2009) page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: November 2 Balance Previous Cashback Bonus Award Balance $ 17.73 Purchase Award This Period + 0.18 Cashback Bonus Awar Total 17.91 Cashback Bonus Award Balance ~~,91 Award Available to Redeem $ 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Diseovsr.com or ea I 1-800-DISCOVER (1.800.347.2683) for details. For program details, see the Cashback Bonus grogram Terms and Conditions. UISC.~~~?Nt1'L $6,728.85 ~~ S133.00 Payment Due Date April 1, 2009 02 SDSN6A01 0002173 STARNER, DENISE A 299 STARNER STATION RD 6ARDNERS PA 17324-8960 Enter Amount Enclosed Below Please make check payab{e 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.corNpaperless. PO BOX 71084 III..rllrrrllrr"'I'II"I'I CHARLOTTE HC 28272-1084 Address, e-mail or telephone change8 Print change in space ~~slilli~l~rilrll~~~li~lili~~llll~~~lr~lr~li~ll~~{~iliil~l~ill above, or go to Discover.com. Print your e-mail address ro receive important Account information and special offers. 000001986458111910309067288500000000013300 Discover More Card Account Summary Closing Date: March 2, 2009 page 1 of 2 Account number ending in 8304 Previous Balance $6,702.92 Payment Due Date April 1, 2009 Payments And Credits - 133.00 Minimum Payment Due $133.00 Purchases + 76.17 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $71.00 Balance transfers + 0.00 Cash Credit Limit $3,400.00 Fina nes Charges + 82.76 Cash Credit Available $71.00 _ New Balance __ _ $6,728.85 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 17.91 New Cashback Bonus This Period + 0.19 ' Cashback Bonus® Anniversary Month: November Cashback Bonus Balance $ 18.10 How Can We Help You? 1. Visit Disceveacom to pay your bR1 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 Accovnt 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 Snlt lake City, UT 84130 .,Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data Payments and Credits Feb 28 Feb 28 INTERNET PAYMENT • THANK YOU $ -133.00 Merchandise/RetaS Feb 5 Feb 5 WAl-MART SC - #2574 CARLISLE PA 76.17 '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 Ear your billing period that ends after May 1, 2009. Your Payment Due Date will continue to be at least 25 days from fhe Closing Date shown on the billing statement. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba antes Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $3981.99 0.033539a 12.24°!° V 12.24% $37.39 $0 Cash Advances $2817.26 0.05751 % 20.99% F 20.99% $45.37 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. V~VLr~~..r~V tK I ~ ~ Account number ending in 8304 March 2, 2009 page 2 of 2 Cashback Bonus ° Award Sum-many Cashback Bonus Anniversary Date: November 2 Balance Previous Cashback Bonus Award Balance $ 17.91 Purchase Award This Period + 0.19 Cas ac Bonus Awar Tota 18.10 Cashback Bonus Award Balance 18.10 Award Available to Redeem $ 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Diuover.com or call 1-800•DISCOVER (1.8 00.34 7-26 8 3) for details. For program details, see the Cashback Bonus program Terms and Conditions. DISCOVER $6,705.93 $133.00 L-~_ -_ Payment Due Date May 1, 2009 02 SDSN6A01 0002174 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17,324-8960 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.com/paperless. PO BOX 71084 Iilr~rlirr~ll~~~r~lrllr~l~l CHARLOTTE NC 28272-1084 Address, email or telephone change$ Print change in space I~~I~II~~I~~~Ii'Ii~~l~~l~l~~~lfll~~~~~~~~~I~i'I~~~~~I~~'~'~~II above, or go to D'ucover.com. Print your e-mail address to receive important Account information and spacial offers. 0000019864581119103090670593D0000000013300 Discover More Card Account Summary Closing Date: April 2, 2009 page 1 of 2 Account number ending in 8304 Previous Balance $6,728.85 Payment Due Date May 1, 2009 Payments And Credits - 133.00 Minimum Payment Due $133.00 Purchases + 18.52 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $94.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Chances _ + 91.56 Cash Credit Available $94.00 New Balance = $6,705.93 You may be able fo avoid Periodic Finance Charges, see the reverse side for details. CCSIIbaCIC BOnUSe Opening Cashback Bonus Balance $ 18.10 New Cashback Bonus This Period + 0.0.4 Cashback Bonus Balance $ 18.14 ' Cashback Bonus® Anniversary Month: November How Can We Hel You? 1 • Visit Discover.com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box' 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credih Mar 29 Mar 29 INTERNET PAYMENT -THANK YOU $ -133.00 Merchandise/Retail Mar 21 Mar 21 WAL-MART SC - #2574 CARLISLE PA 18.52 Information For You * *ATTENTION* * The day of fhe 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 Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3893.96 0.03353% 12.249e V 12.249'0 $40.47 $0 Gash Advances $2865.46 0.057519'0 20.999:0 F 20.999'0 $51.09 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. ~ Account number ending in 8304 VIJI. _ ?Y CK April 2, 2009 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversa Date: November 2 Balance Previous Cashback Bonus Award Balance $ 18.10 Purchase Award This Period + 0.04 Cas ac Bonus Award Tota 18.14 Cashback Bonus Award Balance Award Available to Redeem 18.14 $ 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Discowr.com or call 1.800•DISCOVER (1-800.347.2683) For details. For program details, see the Cashback Bonus 15rogram Terms and Conditions. DISC~~VER s6,7oo.57 '~i s133.oa Payment Due Date May 28, 2009 02 SDSN6A01 0002175 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Enter Amount Enclosed Below Please moke check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.coMpaperless. PD BOX 71084 {{{nr{{ur{{nur{r{{u{r{ C1iARL.OTTE NC 28272-1084 Address, e-mail or telephone changeit Print change in space Ir~I~~{rrl~~~{~{{~~rl~~{~{~~r~~l{rr~{~~,~~~~~{~~~{~r{~~{i{~~{{ above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458111910309067005700000000013300 Discover More Cord Account Summary Closing Date; May 2, 2009 page 1 of 2 Account number ending in 8304 Previous Balance $6,705.93 Payment Due Date May 28, 2009 Payments And Credits - 138.00 Minimum Payment Due $133.00 Purchases + d3.82 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $99.00 Balance Transfers + 0.00 Cosh Credit Limit $3,400.00. Finance Charges + 88.82 Cash Credit Available $99.00 New Balance = $6,700.57 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 18.14 New Cashback Bonus This Period + 0.09 Cashback Bonus Balance $ 18.23 Cashback Bonus® Anniversary Month: November How Can We Help You? t . Visit Discover.com to pay your biN 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 Post, easy self-service M anager options or to speak with a Customer Service Account Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side $alt Lake City, UT 84130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dats Payments and Credits Apr 5 Apr 6 WAL-MART SC - #2574 CARLISLE PA $ -5.00 ' Apr 24 Apr 24 INTERNET PAYMENT -THANK YOU -133.00 Merchandiso/Retail Apr 5 Apr 5 WAL-MART SC - #2574 CARLISLE PA 43.82 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 $3829.23 0,03353% 12.2490 V 12.24% $38.51 $0 Cash Advances $2916.16 0.05751 % 20.99% F 20.999'0 $50.31 $0 'The rates that apply to your Account are either fixed (F) or they may vary (VJ as noted above. -"~~° " -~-~ Account riumber ending in 8304 VIJC.`~~~'V tK L Mny ~, 2009 J page s aF z Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: November 2 Balance Previous Cashback Bonus Award Balance $ 18.14 Purchase Award This Period + 0.09 Cas ac Bonus Awar Tota 18.23 Cashback Bonus Award Balance Award Available to Redeem 18.23 $ ~ 18.23 Restrictions apply to the Cashback Bonus Partner offers visit Diuover.com or call 1-800-DISCOVER (1-800.347-2b83) For details. For program details, see the Cashback Bonus Program Terms and Conditions. DISCOVER s6,b59.34 02 SDSN6A010002176 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 $132.00 ~~ Enter Amount Enclosed Below - ~ Payment Due Date $ Juno 27, 2009 Please make check payable to Discover Card or pay online ~ Discovercard.com. Address, e-mail or telephone changes' 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 informatwn more secure with password- protected statements only you can access. Learn more at discover.coMpaperless. PO BOX 71084 II~n~IIn~llun~I~IIn~~I CHARLOTTE NC 28272-1084 ~u~~~~~~~ur~~~~r~~~n~~~r~~~{~~u~~~i{u,u~{u~u~n~i~n{~ 000001986458111910309066593400000000013200 Discover More Card Account Summary Closing Date: June 2, 2009 page 1 of 2 Account number ending in 8304 Previous Balance $6,700.57 Payment Due Date June 27, 2009 Payments And Credits - 133.00 Minimum Payment Due $132.00 Purchases + 0.00 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $140.00 Balance Transfers + 0.00 Cash Credit Limit 400.00 $3 Finance Char yes + 91.77 Cash Credit Available , $140.00 ~ New Balance = $6,659.34 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaShbaCk BCnUS® Opening Cashback Bonus Balance $ 18.23 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 18.23 Cashback Bonus® Anniversary - - - Month: November ~ 1. Visit Discovsr.com to pay your bdl for no cost, view ur How Can We Hefp You . latest Account information, earn and redeem reward and more ItrS yOUI' ChO1Ce - .~ WayS f0 help 2• Cali 1-800-DISCOVER (347-2683) for Fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Cord avai{able. 3. Write vs at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) sea reverse side Salt lake City, U7 $4130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trana. Post Date Date Payments and Credits May 25 May 25 INTERNET PAYMENT -THANK YOU $. -133.00 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 $3738.65 0.03353% 12.24% V. 12.249'. $38.86 $0 Cosh Advances $2967.74 0.05751 % 20.999'o F 20.99% $52.91 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above. VIJ~.f':;'V CK ~~~ ^ ~ ~ ~ Account number ending in 8304 June 2, 2009 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: November 2 Balance Previous Cashback Bonus Award Balance $ 18.23 Purchase Award This Period + 0.00 Cas back Bonus Award Tota 18.23 Cashback Bonus Award Balance Award Available to Redeem 18.23 $ 18.23 Restrictions apply to the Cashback Bonus Partner offers visit Discovsr.com or col 1-800-DISCOVER (1.800-347.26831 For details. For program detai s, see the Cashback Bonus Program Terms and Con itions. ~IrJG~~VER 56,696.96 02 SDSN6A010002177 STARNER, DENISE A 299 STARNER STATLON RD GARDNERS PA 17324-8960 $133.00 Enter Amount Enclosed Below Payment Due Date July 28, 2009 P{ease make check payable to Discover Card or pay online ~ Discovercard.com. 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. 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~rrll~r~~rlrll~~l~l CHARLOTTE NC 28272-1084 Ir~l~llrrlrr~l~llr~rl~~l~l~~rllll.,~I~~I~~I~~{I~~I,~I~~I~I~~II 000001986458111910309066969600000000013300 Discover More Card Account Summary Closing Date: July 2, 2009 page 1 of 2 Account number ending in 8304. Previous Balance $6,659.34 Payment Due Date July 28, 2009 Payments And Credits - 132.00 Minimum Payment Due $133.00 Purchases + 80.09 Credit limit $6,800.00 Cash Advances + 0.00 Credit Available $103.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 89.53 Cash Credit Available $103.00 New Balance _ $6,696.96 You may be able to ovoid Periodic Finance.Charges, see the reverse side for details. Cashback Bonus® Cashback-Bonus® Anniversary Month: November Opening Cashback Bonus Balance $ 18.23 New Cashback Bonus This Period + 0.20 Cashback Bonus Balance $ 18.43 How Can We Help You? 1 • Visit Discaveacom 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 $aIt lake City, UT 84130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Daro Daro Payments and Crodits tun 25 tun 25 INTERNET PAYMENT • THANK YOU $ -132.00 Merchandise/Retail tun b Jun b WAL-MART SC - #2574 CARLISLE PA 80.09 Information For You ' This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bafh & Beyond gift card. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances gates RATES RATES C~JARGES CHARGES current billing period: 30 days Purchases $3719.23 0.03353% 12.24% V 12.2d% $37.42 $0 Cash Advances $3020.24 0.057519'0 20.4996 F 20.993'0 $52.11 $0 The rates that apply fo your Account are either fixed (F) or they may vary (V) as noted above. V~V~r'<w;:'V tK i Juiy 2, 2009 I page 2tof 2 ber ending in 8304 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: November 2 Balance Previous Cashback Bonus Award Balance $ 18.23 Purchase Award This Period + 0.20 Cas back Bonus Award Tota 18.43 Cashback Bonus Award Balance Award Available to Redeem 18.43 $ 18.43 Restrictions apply to the Cashback Bonus Partner offers visit Diacover.<om or call 1-800-DISCOVER (1-800-347-2683) for ddetails. For program details, see the Cashback Bonus ('rogram Terms and G~n~itions. DISCOVER sb,9is.ss-- 02 SOSN6A01 000217$ STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 $291.00 ~ Enter Amount Enclosed Below Payment Due Date August 28, 2009 please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $175.23. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. Address, a-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers, PO BOX 71084 III,~,lirrrll"r„I,Ilr,lrl CHARLOTTE NC 28272-1084 I„1, I I„I,,, I, I I,,, I„I, I,,, I I I I,,, I„I„I„I I„I ~, I„{, I ~, I I D00001986458111910309069752300000000029100 Discover More Card Account Summary Closing Date: August 2, 2009 page 1 of 2 Account number ending in 8304 Previous Balance $6,696.96 Payment Due Date August 28, 2009 Payments And Credits 16.94 Minimum Payment Due $291.00 Purchases + 152.36 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Chargss + 142.85 Cash Credit Available $0.00 New Balance = $6,475.23 You may be able to avoid Periodic finance Charges, see the reverse side For details. Cashback Bonus® Cashback Bonus Anniversary- - - - Month: November Opening Cashback Bonus Balance $ 18.4 New Cashback Bonus This Period + 0.1 d Cashback Bonus Balance $ 18.57 ~ How Can We Help You . l . Visit Dizcover.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 1.80o-DISCOVER (347.2683) for Fast, easy self-service options or to speak with a Customer Service Aceount Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 'Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Jul 3 Jul 5 ROSS DRESS FOR LESS C PA $ •8.47 !ul 3 Jul 5 ROSS DRESS FOR LESS C PA •8.47 Merchandise/Retail Jul 1 Jul 3 ROSS DRESS FOR LESS C PA 44.60 Jul 1 Jul 3 ROSS DRESS FOR LESS C PA 13.76 Jul 2 1ul 3 PATRIOT-NEWS CO: CIRC. 717-255-8107 PA 11.00 ' Other/Miscellaneous Jul 29 }ul 29 LATE FEE 39.00 Aug 2 Aug 2 OVERLIMIT 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. Finar>tce 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 $3739.25 0.055459'° 20.24° V 20.243'° $64.27 $0 Cash Advances $3085.09 0.082169'° 29.99% V 29.999'0 $78.58 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above. VIJ~.~~V CK ~~ August 2, 2009 Account number ending in 8304 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: November 2 Balance Previous Cashback Bonus Award Balance $ .18.43 Purchase Award This Period + 0.14 Cas ack Bonus Award Total 18.57 Cashback Bonus Award Balance Award Available to Redeem 18.57 $ 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1.800-DISCOVER (1-800.347-2683) for details. For program details, see the Cashback Bonus fSrogram Terms and Conditions. DISC~"~~VER $7,200.55 ~ 5454.00 ~ ` Payment Due Date September 27, 2009 02 SDSN6A01 0002179 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $400.55. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO ..BOX 71084 ~~~"'~~"'~~""'~'~~"~') CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes Print change in space ~~i~r~~r~~~~r{i~~i~i~~~~i{i~i~~~~ii~{ii{r~{ii~~ii~ii~~i~~~i~{~ above, or go to Discover.com. Print your e-mail address to receive important Aeeount information and special offers. 000001986458111910309072005500000000045400 Discover More Card Account Summary Closing Date: September 2, 2009 page 1 of 1 Account number ending in 8304 Previous Balance $6,975.23 Payment Due Date September 27, 2009 Payments And. Credits - 0.00 Minimum Payment Due $454.00 Purchases + 78.00 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finan<s Charges + 147.32 Cash Credit Available $0.00 New Balance = $7,200.55 You may be able to. avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 18.57 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 18.57 Cashback Bonus® Anniversary - Month: November How Can We Help You? 1 • Visit Discover.com to pay your biB for no cost, view your latest Account information, earn and redeem rewards and more ~trS~/OtJ~ ChO1Ce - 3 Wla>)i'S f0 It@~p 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 Cord available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance far hearing impaired) see reverse side Salt Lake City, UT 84130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Dare Other/Miscellaneous Aug 29 Aug 29 LATE FEE ' Sep 2 Sep 2 OVERLIMIT FEE 39.00 39.00 Information For You * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES currant billing period; 31 days Purchases $3881.60 0.05545°k 20.249`° V 20.249'° $66.72 $0 Cash Advances $3164.65 0.0821696 29.999'° V 29.999'° $80.60 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. (J~,L'.,.,;' V tK 57,425.51 $616.00 ~ Enter Amount Enclosed below . . Payment Due Dote $ ~- C~etober 28, 2009 Please make check payable to Distover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $625.51. 02 SDSN6A01 0002180 STARNER, DENISE A Gopaperlessandmakeyouraccount informatron more secure with password- 299 STARNER STATION RD protected statements only you can access. GARDNERS PA 17324-8960 Learn more at discover.comlpaperless. PO BDX 71084 111~rr{lrrs{~""'1'1lirlsl CHAR40TTE NC 28272-1084 Address, e-mail or telephone changer Print change in space (r~lr~lrr~rrrlr~lrrrlrrlrl~rr~~l~~rr~rr~r~~r~l~rrlrr~rr~~lir~l above, or go to Discover.com. Print your email address to receive important Account information and special offers. OD00019864581119103090742551D0000000061600 Discover More Card Account Summary Closing Date: October 2, 2009 page 1 of 1 Account number ending in 8304 Previous Balance $7,200.55 Payment Due Date October 28, 2009 Payments And Credits 0.00 Minimum Payment Due $616.00 Purchases + 78.00 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Avoilable $0.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 14b.96 Cash Credit Available $0.00 New Balonce $7,425.51 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 18.57 New Cashback Bonus This Period + 0.00 Redeemed This Period 18.57 Cashback-Bonus® Anniversary Cashback Bonus.Balance. $ 0.00. Month: November How Can We Help You? 1 • Visit Discowr.eom to pay your bill for no cost, view your latest Account information, earn and redeem rewar sand more It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistonce for hearing impaired) see reverse side 2. Coll 1-800-DISCOVER (347-2683} for Fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions SO Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date CMherf Miscellaneous Sep 28 Sep 28 LATE FEE Oct 2 Oct 2 OVERLIMIT FEE 39.00 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 elan es $gtes RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $4026.41 0.055459:0 20.24% V 20.24% $bb.98 $0 Cash Advances $3244.91 0.082169'0 29.99% V 29.99% $79.98 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. ui5c:~vtK $7,659.99 % $788.00 ~ I Enter Amount Enclosed Below Payment Due Date J November 27, 2009 please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $859.99. 02 SDSN8A01 0002181 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~l~"'~~"'~~ ""'~'~~"~'~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space ~~~'r~~ri~l~~~~~~ll~~rr~r~lrl~~~~~~~,~r{ii~ii~ ~rl~rl{ri~i,rl~{ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458111910309076599 900000000078800 Discover More Card Account Summary Closing Date: November 2, 2009 page 1 of 1 Account number ending in 8304 Previous Balance $7,425.51 Payment Due Date November 27, 2009 Payments And Credits 0.00 Minimum Payment Due $788.00 Purchoses + 78.00 Credit Limit $6,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance ChorBes + 156.48 Cash Credit Available $0.00 New Balance = $7,659.94 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CCShbgCk BOttUS® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® -Anniversary- - - - - Month: November How Can We Help You? - . visit Dizcover.com ro 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 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 Sclt Lake City, UT 84130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date ' Othsr/Miscellaneous Oct 29 Oct 29 LATE FEE $ 39.00 Nov 2 Nov 2 OVERLIMIT FEE 39.00 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4173.72 0.05545°~ 20.249'° V 20.2430 $71.74 $0 Cash Advances $3327.23 0.082169'° 29.99% V 29.99% - $84.74 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above. ', Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card -plus et fRE shipping. D__-_--I.-_ -.4--_J_...:aL _____ -_J .______,_ ~~_._..L_.._ .__.,_L ~.__. _... _.:__. ..... .1 .I n._.. .1 .., I .n ~ . inn V~«7~~~..,.~V CK $7,894.00 I $960.00 I Enter Amount Encbsed Below Poyment Due Date December 28, 2009 p{ease make check payable to Discover Card. Minimum ayyment due includes a past due amount ofp$788.00. 02 SDSN6A010002182 STARNER, DENISE A Gopaperlessandmakeyouraccount information more secure with password- 299 STARNER STATION RD Protected statements onlyyou can access. GARDNERS PA 17324-8960 Learn more at discover.comlpaperless. PO BOX 71084 III"'ll"'ll ""'I'II"I'I CHARLOTTE NC 28272-108.4 Address, e-mail or telephone changed Print change in space ~~~~~I~~~lir~~illii~li~liliiill~~iii{~i~ii~ii~ li~l~iliililii~l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. . OOOD01986458111910309078940 000000D00096000 Discover More Card Account Summary Closing Data: December 2, 2009 page 1 of 1 Account number ending in 8304 Previous Balance $7,654.49 Payment Due Date December 28, 2009 Payments And Credits - 0.00 Minimum Payment Due $9b0.00 Purchases + 78.00 Credit Limit $6,800.00 Cosh Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Chargsa + 156.01 Cash Credit Available $0.00 New Balance = $7,894.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cds116CCk BCr1US® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonvs This Period + 0.00 Cashback Bonus® Anniversary Month: November Cashback Bonus Balance $ 0.00 _ _. 1. Visit Discowr.com to pay your bbl for no cost, view our How Can We Help You? latest Account information, earn and redeem rewards and more It`s your choice ' 3 Ways t0 Help 2• Call 1.8oo•DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30443, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Ctthsr/Miuellaneoua Nov 28 Nov 28 LATE FEE Dec 2 Dec 2 OVERLIMIT FEE 39.00 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 glances Rates RATES RATES .CHARGES CHARGES current billing period: 30 days Purchases $4323.52 0.05545% 20.24% V 20.24% $71.92 $0 Cash Advances $341 1.61 0.082169'0 29.9490 V 29.9990 $84.09 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted obove. Discowr(R) gift cards make easy holiday gifts. Now save $2 on the purchase Fee of each gift card -plus et FREE shipping. i~~JLV CF( $8,308.37 I $1,328.00 ~ Enter Amount Enclosed Below Payment Due Date $ ~--~ February 28, 2010 please make check ayable to Discover Card. You are overlimit. fay the sum of the monthly minimum payment plus the overlimit amount of 02 SDSN6A01 0002184 $1,508.37. STARNER, DENISE A Go paperless and make your account information more secure with password- 299 STARNER STATION RD protected statements only you can access. GARDNERS PA 17324-8960 Learn more at discovercomlpaperless. Address, e-mail or telephone change$ Go to www.Discovsr.com or print change in space above. PO BOX 71084 Ill~~rlls~rllr~~rrl~llrrl~l CHARLOTTE NC 28272-1084 lulrlln~n~l~lln~lul~~~~r~l~~n~lulnl~~llnl~~l~~lilnll 000001986458111910309083D83700000000132800 ~ 2, 2010 page f 2 upentng uate:.tanuary 3, ~O 1 ~ - Closing Date: Discover More Card Account Summary Account number ending in 8304 Previous Balance $8,099.03 Payments And Credits - 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 ', Financs Chargss + 170.34 Other Fees t + 39,00 New Balance X8,308.37 ~' See finance Charge Summary section following transactions 'for detailed APR information Credit Line $6,800.00 i Credit Line Available $0.00 'Cash Advance Credit Line $3,400.00 ', Cash Advance Credit Line Available $0.00 'You may be able to avoid Periodic Finance Charges, see the reverse side For details. tSee transaction detail For a description of any Fees charged. COS back Bonus® Anniversary Month November 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.0iscover.tom and select Rewards 3 Easy Ways to Contact Us l . Access your account securely at www.Discovsr.com 2. Call 1-800.DISCOVER (1.800-.347-26831 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. Payment Information New Balance Minimum Payment Due* Payment Due Date *Includes past dve amount of $1,142.00 $8,308.37 $1,326.00 February 28, 2010 Lats Paymsnt Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up fo $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 25.2430 variable. Minimum Payment Warning: 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: I#pQ~ rfia rtv Yqu yvllf pq~ offlhe ,At~l ywv snd. : pdcFlttGnpl c~,arg~s: bakince ahayrri:arr , up#,~+1ttn}~ S;iE1 Wsttyg t}ti4 card and this stat#mertt tb o1;1ltnc'rk~TO#a1::r~f... ach mQrith ~raU pcy , ak~ou« ................. . Only the minimum 46 years $38,116 payment IF you would like information about credit counseling services, toll 1-800.347.1121. 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 morel-Find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Dats Dote Other/Miscellaneous Jan 28 Jan 28 LATE FEE $ 39.00 Fess TOTAL FEES FOR THIS PERIOD 39.00 Interoat Charged INTEREST CHARGE ON PURCHASES 78.95 INTEREST CHARGE ON CASH ADVANCES 91.39 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 170.34 Cee ~e.,e.~e .tae viSCvER ~~~JC~~R I Account number ending in 8304 page 2 of 2 Finance Charge Summary Average Daily current billing period: 31 days Balances Purchases $4,592.79 Cash Advances $3,588,36 V =Variable Rate Nominal Daily ANNUAL ANNUAL Periodic PERCENTAGE PERCENTAGE Rates RATES RATES 0.05545% 20.24q° V 20.24% 0.082169'° 29.99% V 29.99% CMher Periodic Fee FINANCE FINANCE CHARGES CHARGES $78.95 $0 $91.39 $0 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. Qu®StionS? Visit www.Discover.com or 11 ~ nnn ~~rr~r~~ir~ ~~ nnnn~-s ninny ~-~w ~~• •ww. V~J~'... Y CK $0.00 I~ $1,495.00 ~ Enter Amount Enclosed Be{ow Payment Due Date ~ -~ March 23, 2010 28 SDSN6A01 0002185 STARNER, DENISE A 299 STARNER STATION RD GARDNERS PA 17324-8960 Address, e-mail or telephone change6 Go to vrww.Discovsr.com or print change in space above. Go paperless and make your account information more secure vrith password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 6103 I~Irrrllnur~rllnlrllrrr) CAROL STREAM IL 60197-6103 {~Ilullnnnlll~Inluilill~i~nllllnnJlillnnillulnll 00000198645811191030900000000000000D149500 Opening Date: February 3, 2010 - Closing Dater February 28, 2010 Discover More Card Account Summary Account number ending in 8304 Previous Balance $8,308.37 Payments And Credits - 8,308.37 Purchases + 0,00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance 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 $6,800.00 Gredit Line Available $0.00 Cash Advance Credit Line $3,400.00 Cash Advance Credit Line Available $0.00 t See transaction detail for a description of any Fees charge \.VDIIVVC~R DVIIVD Anniversary Month November Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Bolancs $ 0.00 To learn more, log in al vrww.Discover.com and select Rewarda page 1 of 1 Payment Information New Balance $0.00 Minimum Payment Due $1,495.00 Payment Due Date March 23, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove 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 25.249'o variable. Manage Your Account Online at www.Discover.com Securely access statements and kee online tools, pay bills online and track and view all transactions simply and easily Make your money worth moreSM-Find easy ways to earn ..and redeem cosh rewards NEWT Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1.800-DISCOVER (1-800-347.2683) Please-have your Discover®card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Te{ecommunicatians Device for the Deaf) assistance, please call F-800-347-7449. Transactions Trans. Post Data Daro Payments and Credits Feb 28 Feb 28 INTERNAL CHARGE-OFF $ -8,308.37 Fees TOTAL FEES FOR THIS PERIOD 0.00 Inrorest Charged TOTAL INTEREST FOR THIS PERIOD 0.00 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily current billing period: 26 days a ances Periodic PERCENTAGE Rates RATES PERCENTAGE RATES FINANCE FINANCE C GES CHARGES Purchases $0 0.055459b 20.24% V 20.249e $0 $0 Cash Advances $0 0.082 i 69e 29.99% V 29.99% $0 $0 V =Variable Rota cee .e„e..e .;a„ - - - - - - -- DISC ~/ER' IODCMO_0200Y(•TL22H0210_01363_readar.lndd 1.2 YOUR DISCOVER' ACCOUNT CARDMEMBER AGREEMENT ................Pages 1-13 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section atpage 13. PRIVACY POLICY .........................Pages 13-16 A summary of the personal information we collect, when it may be shared wkh 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 HOTLINE ..................Page 25 The terms and conditions of this tree travel assistance benefit. ®2070 Discover Bank. Member FDIC TL22H.0210 12/15/09 1:37:03 PM CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discovers Card Account +t contains the terms and conditions of your Account, same of which may have changed from earlier materials provided to you. In the event of any differcrlces, this Ag-eerrlent shah control. We respect your privacy. See the Privacy section on page 10 and our Privacy Policy for additional information, the Arbitration of Disputes section on page 11 includes a waiver of a mrmbe- of rights, Mduding the right to a jury trial The Right to Reject Arbitration section onpage 13 desm'bes the proadurc you must fogow if you desire to reject the Arbitration of Disputes section. DEFlNTTIONS ................................................... 2 USING YOUR ACCOUNT ......................................... 2 Your Acceptance of tills Agreement ............................ 2 Permitted Uses of Your Account ............................... 2 Prohibited Uses of Yore Account ............................... 2 Purchases and Cash Advances in Foreign Currencies ............... 3 Cash Advances ...............................................3 Balance Transfers ............................................ 3 Credh AutiiorizatiorK ........................................ 3 Authorized Users ............................................ 3 Unauthorized Use ........................................... 3 Your Credh tines ............................................ 4 CHANGES TO THIS AGREEMENT ............. ...................... 4 MAKING PAYMENTS ....................... ...................... 4 Promise to Pay .......................... .................... 4 Monthly Billing Statement .................................... 4 Monthly Payment Options ..... ............................... 5 Automatic Billing Arrangements ............................... 5 How We Apply Payments ..................................... 5 Minimum Monthly Payment .................................. 5 Skip-A-Paymentl~fers ....................................... 5 CredR Balances .............................................. 5 FINANCE CHARGES .............................................. 6 How We Calculate Periodic Finarxe Charges ..................... 6 How We Calculate Your Balances .............................. 6 Variablelnterest Rates ........................................ 7 Defauh Rate ................................................ 7 Cash Advance Transaction Fee Finance Charges .................. 8 Balance Transfer Transaction Fee Finance Charges ................ 8 Foreign Currency Transaction Fee Fnance Charges ............... 8 Minimum Fnancel]rarge ..................................... 8 Aaount Set-up Fee Finance Charge ............................ 8 FEES ........................................................... 8 Annual Fee ................................................. 8 late fee .................................................... 9 Returned Payment Fee ....................................... 9 Returned Discover Card ChedcFee ............................. 9 Pay-By-Phone ................................................9 Research Fee ................................................ 9 DEFAULT AND CANCELLATION .................................... 9 Types of Defauk ............................................. 9 Coonnsseeqquences of Defauh ..................................... 9 Cancellation ................................................ PRNACY AND OUR COMMUNICATIONS WITH YOU ................. 10 Our Privacy Policyr ........................................... 10 Reporting to Credh Reporting Agerxies ........................ 10 -t- tODCINO_0280K_TL22H0210_013~ reader.InOO 34 17/15/09 1:37:03 PM OiN Communications wRh You ............................... 10 Releasing Information About Your Account .................... 10 Electronic Notices to Ycu .. . ................................. 10 Notices - Changes to Your Information ........................ 10 CLAIMS AND DISPUTES .............:........................... 10 Merchant Disputes .......................................... 10 Claim Notices .............................................. 11 Arbitration of Disputes ...................................... 11 Right to Reed Arbitration ......................... . ........: 13 LEGAL INTERPR~ATiON OF THIS AGREEMENT ..................... 13 Severabit'ity ..:............................................. 13 Compliance with Interest Rate Limitations....... • ..... . .. . ... . . 13 Governing law ............ . ASSIGNMENT OF ACCOUNT ...................................... 13 DEflNFTIONS "AuoouM" means your Discover Card Account. "Authorized User' means any person whom you authorize to use your Account or a Card, whether you notify us w not "Card" means any one or mare Discover Cards issued to you or someone else with your authorization. "Pridrg Schedule" mean the document auompanying your Card and listing the Finance Charge rates that apply to your Account The Pricing Schedule is part of this Agreement "Vlfe; "us" and 'our" refer to Discover Bank, the issuer of your Discover Card. "You,' "your" w "yours" refer to, in addition to you, the Cardmember, arty other person or persons who are also contractually liable under this Agreement USBVG YOUR ACCOUNT Your Acceptance of this Agreement The use of your Account or a Card by you ar an Authomed User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept this Agreement, inducting the Arbitration of Disputes section on pa 11. You may, however, rhed the Arbitration of Disputes section as ex ained on page 13. Permitted Uses of Your AtcouM. Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may fumjsh to you, in accordance with such additional terms and condhions as we may offer from time to time. • Cash Advances - to obtain cash advances from partkipatmg automated teller machines, financal institutions or other locations, the purchase of lottery tickets, racetrack wagers, vaudiers redeemable for cash or for casino chips, money orders, travelers chedks, savings bopds; foreign currenq and wire transfers, or by means of dtedcs vlf++ch we may furnish to you, all in accordance with wch additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other uedhors or to make other trarxactiom by means of balarxe transfer coupons or checks, in accordance with such additional teens and condtions as we may offer from time to time. In addhio4 your Aaount may be used to guarantee reservations at participating establislimeMs. You witl be I'wble for guaranteed reservation that are not cancelled prior to the time specified by the establishment. Your AaouM may be used flex personal, family, household and kharitable purposes. -2- 10DCM0_02601(.,T122H0210 01363_readar.indd 5-6 Proh~Red Uses of Your AuouM. Your Account may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under rhis Agreement or far any transactions that are unlawful w ere you reside or where you are physically located when you use the Account to initiate the transaction ('Prohibited Transactions"). Purchases and Cash Advances in Foreign Cturendes. ff you make a purchase a cash advance in a foreign currency, it will be converted to U.S. ddlars using eAher a govemmentistandatedrate, agovernment-published rate or the interbank exchange rate, depending on the country and currency in tnrttkh ttx transaction a made. The rate used wiN be the rate in effect on the conversion date for the tranadion, which may be different than the Transaction Date as sfiovm km your statement. We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign currency as described in the Foreign Currency Transaction Fee Finance Charges section on page 8. Cash Advances. We may periodically offer you promotional rates on cash advances for the time perod specified in the oiler, subject to the Defauh Rate section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. BaWrice Transfers. We may periodically offer you the opportunity to make balance transfers from other creditors or to make other traitsactianto your Account by means of balance transfer coupons or checks. Eaci offer will contain a promotional rate, which will be the Annual Percentage Rate that witl apply to transferred balances for the time period spedtied m the offer, wbjed to the Defauh Rate section and may contain a Balance Transfer Transaction Fee Finance Charge.for each balance trarnfer made during the term of the offer, as d'ixlosed m the offer and as set forth in the Pncing Sdiedule, ff appl'xabk. Balance transfers wbject to the promotional rate are referred to as promotional rate balance transfers balance vansfers flex 7nAtici the promotional rote has expired are referred to as purchase rate balance transfers Each offer will contain an expiration date. ff you attempt to transfer balances by means of a ktieck after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transactions vriN require our authorization prior to completion. In some cases, you may be asked to provide identfication. We have the right not to authorize a transaction for security or other reasons Also, ff our authorization system is not working, vae may clot be able to authorize a transaction. We will not be liable to you ff any of these events happen. Authorzed Users. ff you want to cancel the authority of a current Authkxaed User to use your Account or a Card, you must noti us and destroy any Card in that person's possesaon. You can not' us by telephoning 1.800•DISCOVER (i-B00.347-2683), or by caching iscover, PO Box 30943, Sah Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exerdsed by arty person not a party to this Agreement ailing pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Una7Ntaized Use. Prior to its use, each Card must be signed by the person to whom h is issued. ff a Card is lost or stolen, or if you think that someone is using your Account or a Card v~nthout your permission, notify us immediately. You can notify us by telephoning 1-800-DISCOVER (1-806347-2683), a ~ caching Discover, f 0 Box 30943, Sah Lake CRy, UT 3 12175!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 Account or a Card and to comply with such procedures as we may regwre in connection ~,vith our invest- igation. Your Credit Lines. We wiN advise you of your Account uedit line. We may impose a lower line that will apply to cash advances, refened to as the cash advance credit litre. We may also impose a lower line that will apply to balance transfers, refened to as the balance transfer credit line. You agree not to allow your unpaid balance, irxfuding Finance Charges and fees, to exceed your Aaount uedit hne.lf you exceed your Auount credit line, tore may request immediate payment of the amount by wlridr you exceed your Auoutrt vedR line. We may increase or decrease your Account credit line, your cash advarxe credit hne w your balance transfer credit Irne vritfiout notice. The credit available fa your use may, from time to time, be less than your Account edit line. For purposes of detennkring your available vedtt, vve reserve the right to postpone fa up to 15 busrrress days redudng yow unpaid balances b~ the amount of a~+ payment that we recenre. Your available credit will not be increased by the amount of arty vedft balarxe. CHANGES TO THIS AGREEMENT From time to time, we may, to the eztart pemt~d by law. drange any term of this Agreement indsi~rlg, but not it mitcd W, airy finance duxge rate. fee or method of compuf~rig arty balance upon which the finarxe dwge rote is assessed, or add or delete any term to this Agreement We wBl give you notce of the d'wrge in the time and manner regrdred by kw, which indudes 15~ays advance written notice in some dreu~rces. In additlon, to the extent requked by law we vv+N offer you the opportunity to reject a dwnge Fore , law requlres,.whh certain excepporn, that we offer you the opportu~un~ty to ~ an lrrcrease in a late fee a the elimination of a grow period prior to the effective date of the drange. B you rajeet a dr m aaordance with the irnhvctiorrs in the notice Provided, we wiN your Account and you>wn'R no kal~er be able to use tt for further transactions. You can then pay the remaining batanx under the unchanged term. We may also dlange arty term of any product service or benefit offered in correction whh your Account We wi ratHy you as required by law or by the terms of the product, service or benefit MAgMG PAYMENTS Promise to Pa You agree to pay us in U.S. dollars for all purdlases, cash advances alsd balance tranafas including applicable Finance Charges and other drarges or fees, intoned by you w anyone you authorize or permit to use your Aaount tx a Card, evm'rf you do not notify us that others are using your Auount or a Card. ff you pay us in other than U.S. dollars, we may refine to accept the t or charge your Account our cost to convert your pa ent to U. Ilars. All checks must be drawn on funds on deposit rn the U.S. You may not use a cash advance clweck balance tramfer chede of coupon, or any other-promotional dreck drawn on any Discover Bank credit card account to make payments on your Account M your Account is a joint Account each of you agrees to be liable individually and jointly for the entire amount owed on your Aaount VVe nn auept late payments orpartlal payments or dhedcs and money orders marked 'payment In irrN' or with any other restrictive endorsement without losing arty of our rights under this Agreement. Morrthly Billing Statement. We will send you a billing statement after each -a- monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted bylaw. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and ail payments or other credits posted to your Account during the billing period. n will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the biting period. H your prior month's payment is returned unpaid, your required Mimmum Payment Due ma be higher than shown on your billing statement. See the Mimmum Month~y Payment section on page 5. Martdrly Payment Options. You may at any time pay the entire New Balance shown on your billing statement but each month you must pay at least the Minimum Payment Due as described in the Minimum Masthiy Payment section. All payments must be made in accordance with the terms stated on your monddy brlkrrg statement as vvell as the payment M-off time stated in this sector, and we will aedft your Account m aaordance with those terms and this section. Payments received in proper format our processing fadlity by SPM local time on any day will be credited as of that day, payments received in proper form at our processing facility after 5PM local time will be credited as of the next day. Automatic &'Bing Arrangements. H your Account number ancUor Card ex ration date changes and our recads indicate you have automatic billing established with a merdlant, we will attempt to provide your new Account information to that merdrant. To ensure unintemrpted billing, we recommend that you verify the m erchant has your new Account Information. You must contact the merchant directlyrf you do not wish to wntinue the automatic biNing anangement. Haw We Apply Payments. Each billing period, to the extent your payments exceed the Mimmum Payment Due shown on your current billingq statement vve will these excess amounts in order of the Annual Percentage Rate a icable to the balance of each transaction categpry (as referenced in the Finance ~qe~ section), generally from highest to krwest begkming with the balance subject to the highest Annual Percentage Rate: Otherwise, +nre will apply and vedits at our disvetion, irrdudm in a manner most favors a or cornrenient for us, In aN cases, vve wiN app~y payments and uedits in accordance with applicable law. Mimmum Monthly Payment. The Minimum Payment Due each month will be the greater of: • the New Balanced it a less than 515; • S15rfthe New Balance is S15 or more; or • any past due amount plus the greater of: • 2% of ffre New Balance (excluding cunent Periodic Finance Charges and late Fees) rounded up to the nearest dollar or • cunent Periodic Finance Charges plus late Fees plus S15 (notto exceed 3% of the New Balance) rounded up to the nearest dollar. We akoindudesorrreoragtheamourtbywhichyouexceedyotrAaount aed~ne. Wle may subtract certain fees to calculate the Minimixn Payment Due. The NGnimum Payment Due vviN never exceed the New Balance. Sldp.A~?ayment Offers. We may from time to time alkivv you to not make a minimum monthly payment and will notify you when this option is available. N you take advantage of this offer and do Trot make a minimum monthly payment, finance charges and arty applicable fees will acove on your Account in accordance wRh this Agreement and you must pay the Minimum Payment Due for the fdkwving billing periods. Credit Balances. We will refund any credit balance within seven business -5- 1pDCM0_026OK TL22H0210_01363_reader.irWd 7.8 1?J15K18 1~7•GN PM days from receipt of your written request. tf you do not request a refund, we will automatically refund credft balances greater than S1 that remain in Jour Account after b months. FINANCE CHARGES How We Calculate Perodk finance Charges We begin to impose Periodic Finance Charges on all Vansactians from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Auount after the dose of the billing period in which h occurs, in whuh case we begin to imppoossee Perodk Finance Charges on that transaction from the first day of the M'lling pertod in which h is posted to your Account We continue to impose Peria td c Finance Charrggeess until the date you pay your entire New Balance shown on your biNirx} statement by making payments or receiving credits. However, if you pail the New Balance on r previous bNling statement by the Payment Due Date shown on that filling statement we will not impose Periodic Fnance Charges on new purdtases, thatis, purdwsesfirstappearing onthectxrentbilGngstatement or any portion of a new purchase, paid by the Payment Due Date on your current bi8ing statement We call this the "grace penod.' There is no grace period on balance transfers or cash advances. Atmore fully described in the section titled 'How We ADah! Payments,' we generally ~plycepayments to your Account based on a Annual Percentage Rate a i ble to the balance of each vansaction category. This mean that'd you do not pay the New Balance on the current M'llirg statement by the Payment Due Date shown on that biling statement, then, depending on the amount of your paymerrt and the Annual Percentage Rates on other balances, you may not get a grace period on new purdutses We sort your tranaction into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Mnual 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 tranaction categories At the end of each billing period, we camp,rte balances and Penodk Finance Charges for each day of the billing perod for each Vansaction ~onF We use the following equation to compute Periodic Finance Charges or each vanaction category: , (Average Daily Balance) times (days in bi8ing 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 PerodK Finance Charges for each vansaction category to get the total Periodk Finance Charges for your Account. The Average Dady Balance is shown as zero if, because of the grace period, no Periodic Fnance Charges a to the balance in a transaction category. The Daily Periodic Rate is 1136 th of the corresponding Annual Percentage Rate. How tNe Calculate Your Balarues. We use the Average Daily Balance (inducting new transaction) method of calculating the balance upon which the impose Periodic Finance Charges We compute the Average Dady Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the MTling period. We compute the da'~~yy balance for each tranaction category on each day by first adding the fdfowing to the previous days daily balance: transaction vnth a Transaction Date of that day as shown on your billing statement, unless the transaction is posted,to your Acwunt afterthe dose of the bilNng period in which it ocars, m which case the transaction will be added to the daily balance as of the fiat day of -6- 1nDCM0_028OK_1t22H0270_01383_reader.indd 9-to the billing period in which h is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then su'otrading cry cr~its and payments that are applied against the balance of the transacion category on that day. In calculating the daily balance for the first day of the billing period, vre consider the "previous days daily balance" to have been your balance for each transaction category on the last day of your previous billing period: All fees dtarged to your Account are added to the standard purdtase transaction category vvRh the excepUan of Cash Advance Transaction Fee Finance Charges which are added w the app8cabk cash advance transaction w and Balance Tronfer Transaction Fee Finance Charges which are to the applicable balarxe transfer transaction categorK Variable Interest Rates. One or more Daily Periodk Rata and corresponding Annual Percentage Rates that apply to a tranaction category may be variable rates as set forth m your Pricing Schedule or in any speaal offers you receive from us. Variable Annual Percentage Rates are determined by adding a specked number of percentage points to the Prime Rate. This is shown on the Rking Sdiedule as `Prime + (percentage points)." For urposes of this Agreement the Prime Rate is the highest rate of interest Psted at the "prime rate" in the Money Rata section of The Wall Street Jounce! on the last business day of the month. The Prime Rate is merely a prking index and does not represent tfie lowest or best interest rote avai ble to a borrower at any bank at arty given time. Hyou have a variable rate, your Amual Percentage Rate wiN increase or decease when the Prime Rate dranges This change will be effective beginning with the first day of the billing period tat begins during the same month as the dwnge in the Prime Rate. An increase m 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 applicable law. (1 terminate the availabNity of arty promotional Annual Percentage Rates on newtronactions; and (ii) increase your Annual Percentage Rates for new transactions to variable Defauh Rates Each new variable Defauk Rate for a new tranaction is determined ~y adding up to 5 additional percentage points to the otherwise applicable Annual Per a Rate and wiR vary based on any d>anges in the Prime Rate. (For exam , 'd the promotional purdwse rate was 2.99% and the rate for other purchases was 15.99% and you paid late once, the rate for all new purchases could increase up to 20.99% variable and vary thereafter whh the Prime Rate) When we first determine the variable Default Rates, we use the Rime Rate effective for the biNinQ period in which you pay late: The variable Defauh Rates are determined m auordance wrth the Vanabk Irderest Rates seRion. We vriN base your Defauh Rate on your creditworthiness and other factors such as your current Annual Percentage Rates and your Account history. H we increase arty of your Annual Percentage Rates to a Defavh Rate, we wiB send you a notice, m attordance with applkable law, advising of ()the date the new DefauR Rate will apply (the 'Default Rate Effective Date'), G) the type of new vansaction to vuhidi it will be applied (crate: the new Defauh Rate wiN not apply to any other transactiats)and, Gil your riglttto reject the new Defauh Rate. New tranacGon are those tranaction wMdt either (7 have a Tronaction Date, as shown on your billing statement of more than fourteen days after we mail or deliver the notice to you or, () if permitted by a~p{Kable law, were posted to your Account after the current Defauh Rate Effective Date. Your Account will not be subject to a Defauh -7- 12rt5l09 1:37:04 PM Rate for the first twehie bi8ing periods after your Account is first opened. N your Annual Percentage Rate far purchases, balance tramfers or cash advances was increased to a Default Rate, we will, to the extent required by applicable law, periodically review your ~aount to determine rf any of your Annual Percentage Rates sfiould be sedated. Arty 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 Koonce Charges. Unless otherwise specified in a cash advance offer, we wi6 charge you a Cash Advance Transaction Fee RNANCE CHARGE of 5% of the amount of each new cash advance whh a minimum Cash Advance Transaction Fee RNANCE CHARGE of S10 and no maximum. The imposition of Cash Advance Transaction Fee Finance Charges may result m an Annual Percentage Rate for rash advances that is hr'gher than the nominal Annual Percentage Rate. AB forms of cash advances, including the use of Discover Card checks r ardless of the purpose for which used, are wbject to Cash Advarxe~raiuaction Fee nonce Charges. 70 obtain the total Finance Charge on cash advances for each billing period, we add arty Cash Advance Transaction Fee Finance Charges for the billing period charged under this section to arty Periodic Finance Charges calculated under the Periodk Finance Charges section for each cash advance transaction iategory and add up these amounts. Balance Transfer Transaction Fee Koonce Cfiarges. Unless otherwise speclfied in a balance tratsfer offer, we wiB ahar-ggee you a Balance Transfer Transaction Fee RNANCE CHARGE of 5% of We amount of each new balance transfer with a minimum Balance Transfer Transaction Fee RNANCE CHARGE of f10 and rw maximum. The imposition of Balance Transfer Trarsaction Fee Finance Chargges may sewn in an Annual Percentage Rate for balance transfers that is higfier than tfie nominal Annual Percentage Rate. To obtain the total Finance Charge on balance tramfe-s for eacli billing period, we add ally Balance TraraferTransactian fee Finance Charges fa the ailing period cltarged under this section to any Periodic Fnance Charges caculated under tfie Periodic Finarrce Charges section for each balance tranifer transaction category and add up these amourrts. Foreign Cumerxy Transaction Fee Finance Owges. We will cllarge you a Foreign Currency Transaction Fee RNANCE CHARGE of 2% of the U.S. dollar amount of each purchase made in a foreign currerscx The imposition of Foreign Currency Transaction Fee Rnarlce ges may sewn in an Annual Percentage Rate for ppuurcllases that is higher than'the nominal Annual Percentage Rate. To oMain the total Finance Charge on purchases for eacll billing period, we add arty Foreign Currency TronsaRion Fee Finance Charges for the billingy period charged under this section to any Periodic Finance Oiarges cak:ulated under the Periodic Koonce Charges section for each purchase transaction category and add up these amounts. Minimum Finarrce Charge. We will charge you a minimum RNANCE CHARGE of fS0 for any billing period in canon Perod1c Finance Charges of less than f.50 would otherwise be imposed. Account Set-up Fee Koonce Charge.lf your Pricingy Sclledule accompanying your Card includes an Attount Set-up Fee, we 1nri11 cllarge you acne-time Account Set-up Fee RNANCE CHARGE m the amount indicated when we open your Account. FEES Annual Fee. N your Prking Schedule accompanying your Card includes an Annual Fee, we veil !}large you an Annual Fee in the amount indicated. We wiB charge you this fee when we open your AuouM and at the beginning -B- of eacls anniversary year your Account is open. The Annual Fee is rat refundable, except as provided by law. Late Fee. iNe with-harge you a late Pee it /ou have failed, as of *.he Payment Oue Date, to make the Minimum Payment Due that was required to be paid fa that billing period. The amount of the Late fee is based on the sum of all outstanding purchases, cash advances, balance Vamfers other charges; other fees clod Finance Charges at the end of the bNling period for which we did not recehee timely payment M the sum is f250 or less, the fee is f 19. tf h is greater than f250, the fee is 539. Returned Payment Fee, We wiR charge you a Returned Payment Fee of f35 each time you pay ce with a clredc a other instrument that K returned unpaid. ThK fee will also apply if a debit transaRion to a deposit account from.whicll you have authorized us in wntirlg, electronically ar orally to periodica8y deduR a6 a a part of an amount you owe us under this Agreement n returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even rf h is paid upon resubmission. Returned Discover Card Chedt Fee. We will dwrggee you a Returned Discover Card Check Fee. of f35 each time we dedMe to honor a Discover Card cash advance clleck, balance transfer clledc, promotional purdtase check, or other promotional check. Pay-By-Phase. We may from time to time allow you to make payments by authorizing us over the telephone to transfer a funds from a deposit aaount to your Aaount. We will not clsargeyou a Pay-By-Phone Fee. Research Fee. We may charge you a Research Fee of f5 for each copy of a bi8in~ statement or sales slip that you request. However, we will oat charge a fee rf you request copies in connection whh a biling error. DEFAULT AND.CANCELUITION Types of Defaldt. You are in defauh 'rf you become insolvent; if you file a banliruptry petition ar have one filed against you; if we have a reasonable belief that you are unable or unvvilling to repay your obligations to us; if you are declared incanpMent by a court or 'rf a court appoints a guardian for you or a conservator for your assetsrf you die; 'rf you fail to comply whh the terms of this Agreement, including failing to make a required payment when due, exce your Account aedh line 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 whh us. Corssequeras of Default. M you are in defauh, tics may declare the entire balance of your Account immediately due and payable withalt notice. ff we refer the collection of your Account to an attemey or employ an attorney to represent us vuitlt regard to recovery of money tfiat you owe us we may charge you reasonable attorneeyyss fees and court or other co8ection costs as permitted bar law and as aetwpy incurred by us indudmg fees and costs in connectiara stnth any appeal. Wema~ delay enforcing or not enforce arty of our rights urxfer tl11s Agreement whfiasf bsmg o- wahnrg arty of them. Carlcelation. You may oncel your AttouM by notifying us in canting or by telephone and returning or destroying every Card arsd unused check that we have provided you. You ran notify us by telephoning 1-800-DISCOVER (1-800.347-2683), or by writing D'ismver, PO Box 30943, Soh lake City, UT 841300943.Of course, you will sell be responsible to pay any amount you own us acoording to the terms of this Agreement M your Account is a ~oiM Account, either Cardmember may cancel the Account, but you will both remain responsible to pay any amount owed to us according to the teens of this 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 face of a Card) without notice. Yau must _g_ 10DCM0_02801LTL22H0210_07383_reedBr.indd 11-12 12/15!09 1:37:04 PM retain any Card or unused checks to us upon request PRNACY AND OUR COMMUMCATIONS WITH YOU Our Privacy Policy. We ;nay from time [o time review your credit, employment and income recads We respect the privacy of information about you and your Account. Our Rrvary Poky includes a wmmary of the personal information we collect when it may be shared with others, how we safeguard the confidentiality and securiiy.of information and the steps you may take to bmk our sharing of wch information wkh others. Please read rt carefully as h is part of your Cardmember Agreement Reporting to Crept Repo~rrtg Agendas. As indicated in our Privacy Policy, we may report to ved`rt -eporting a~enaes and other creditors the status and payment history of your Aaount, snchsding negative vedR information. late payments, missed payments or other defauhs on your Aaount may be reflected in your credit report. We normaay report to suds credit reporting agendas each month. H you believe that our report of your Aaount status is inacarate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, frame telephone rwmber •and Auount number. Our Communkatians with You. You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to ells we make to coaect debts. We may use arty medium permitted bylaw, including but not limited to mail, live telephone calls, automated tee equipment, prerecorded telephone ralb, e-mail and aBs to your u: I phone to contact you about your Aaount or to offer you products a services that may be of value to you. H You prefer not to be wrrtaded m one or more of these ways, you must either telephone us at 1.800•DISCOtA32 (1-800-347-2683) or wnte to us at Discover, PO Box 30%1, Soh Lake Gty, UT 30961-0961 Releasing kifarmation About Your Account We provide various methods by which you can obtain information about your Aaount We will on release such infornatiori to you, arty Authorized User that our rec indicate is an authorized bt~y~r on your Aaourt and any other person with your prior permission, in addition to as provided in ow Pnvary Policy or as required bylaw Our security meawres cannot insure agaimt unauthorized inqukies. You agree that we will cwt be responsible for the release of information to anyone who, even 'rf without your authorization a permission, has gained possession of a Card or has teamed other identifying characteristic about you such as your personal identification number, Aaount number or social security number. Elecitonic Notices to You. We m offer the to receive certain notices from us electronaYrcally cad than throw the mail, including monthly billing statements acrd diariye of terms notkes The terms and conditions for receiving these electronic communications will be described in the offer. Notices - Changes to Your brfonnation. M you change Your a-mail address, mailing address or telephone number you must iwtify us of your new address or telephone number within 15 d You can notdy, us by tale ng t-80Q•DtSCOVER (1.80D•347-2683~or by writing Dscover, PO $ox 30943, Sale Lake Cite, UT 84130-0943. tf yorx AuouM rs a Joint Account, arty notice we mesa to an address yyoouu have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes We are not responsible for the refusal of anyone to aaept or honor a Card a to accept checks that we have provided you. H a -10- merchant faits to provide your purchase to your satisfaction and you request a credit to your Account vae will investigate the dnpute. H we *esolve the dispute in your favor,'roe will issue a credit to your Actaunt and you will be deemed to have assigned to us your claim againstthe merchant andlor arty third party for the credited amount Upon our request, you agree to provide us with written evidence of such assrgnmeM. t]aim Notces. In the event that you or we have a claim that arises from or relates to your Aaount, arty prior aaount you had with us, your apppp~~Kation, the relationships which result from your Aaount a the enforceability of the Agreement w arty prior agreement before initiating, joining or partrapating in any Judidal w arbitration proceeding, as either an Ind"rvidual litigant or member of a doss ("Reseeding"),the complaining party shall give the other ppaar~ty. (1) a written notice of the claim ("Claim Notice"), at least 15 days trefore inrtrating any Reseeding, exptainlrg in reasonable detail the nature of the claim and arty wpportmg facts; andd (2) a reasonable good faith ~pp~tunrty to resolve tha claim without tfx necessity of a Proceeding. this includes any claims invdving our parent carporatwn, wbsidiaries, affiliates (including, wNwut {imitation, f)FS Services LLq, predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities Any Claim Notice shall be sent to us at Discover, PO Box 3024, New ARrany, OH 43054 (or sucli other address as we shah subsequently provide to you) (the "C]aim Notice Address") or to you at your address appearing in our records a, if you are represented by counsel, to your attorney at your attorneys office. Arbitration of Disputes Agreement to arbitrate. in the event of any past, present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us ac's' from a relating to your Aaaunt, arty pnor aaount you have had with us, your application, the relatiorsliips which resuh from your Account a the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement you or cap may elect to resolve the claim or dispute by binding a anon. 6 EITHER YOU OR WE EU:CT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LRIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRWL ON THAT CLAIM. PRE-NEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS HALL BE UNITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LJTIGATE IN COURT OR ARBITTWTE ANY CLAIMS AS A REPRESENTATNE QR MEMBER OF A CIASS OR LN A PRNATE ATTORNEY GENERAL CAPACITY ('doss Action Waiver"). Notwrtintarrdirg anything eke to the contrary in thk arbitration provision, pity a court and cwt ~ arbitrator, shah determine the vafidiry and effect of the doss Action Waiver. Even ff as parties have opted to Trtigate a claim in court,. you or we may elect arbiVation with respell to any claim made by a new party or any crew darns alter asserted in that lavrsuit and nothing undertaken therein shall constitute a waiver of rights under the arbitratron provision. We Nn'N not invoke our right to arbitrate an individual claim you brin4 in sma6 claims court or your state's eeqquivalent court, 'd any, unless such acUai u trarisfered, removed or appealed to a different court Govemiri~ Law and Rules. Your Aaount involves interstate commerce and thk provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shah be conducted, at the option of whoever fifes the arbitration claim, by either the American Arbitration Auaiation (AAA) or JAMS in aaordarice with their procedures in effect when the claim k filed. For a copy of their procedures, to file a claim or for other information, -11- 10DCM0_0260K_TL22H0210_01363_reader.Mdd 1314 12/15/09 137:05 PM I contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr:org (phone 1-800-77&7879) w JAMS at 620.Eightfi Ave., Flaw 34, New York, NY ?0018, www.jamsadccom (phone 1-8C(1-352-5267). No other arbitration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a wrRing signed by both parties. H neither AAA nor LAMS is able w wi8ing to serve as the arbitration administrator and we and you are unable to agree on a replacement administrator w arbitrator, then a court of competent juri lotion wiN appoint an administrator w arbitrator w arbitrators ('m the case of an appeal to a panel of three arbitrators ~ described below). Uriless consented to by all parties, no arbitration may be administered by arty adminisvator or arbitrated by any arbitrator that has any formal w informal policy, rule or procedure that is inconsistent with w purports to override.the terms of this section. H we elect to resolve a daim w dispute by bindktg arbitration and the arbitrator issues an award in your favor on a daim w dorms with respell to which you would not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees andlor other arbtraton costs, we will be respomible for paying w reimbursing such costs and fees if awarded by the arbitrator. fees and Costs. At your written request, we will advance arty arbitration filing, administrative and hearing fees which you would be required to pay to pursue a daim w dispute as a restilt of our electing to arbitrate that daim or dispute. Send requests to Dixover, PO Bok 30421, Sale Lake City, UT 841300421. The arbttrator will deride who will uhimatey be responsible for paying those fees. You will only be responsible for paying w reimbursing our arbitration filing, administrative w hearing fees to the extent you would have been responsible for paying •attomeys' fees and court or other cdlection costs" had the action proceeded m court. In no event will you be required to pay arty fees w vests incurred by us in connection with an arbitration proceeding where wch a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing wi8 take place in the federal judicial district where you reside. The arbitrator shall fdkrrv applicable substantive law to the extort consistent with the FAA and applicable statutes of limitations and shall bona dorms of privilege recooggnnized at law and shall be•autharized to award all remedies permitted by the substantive laws that would apply 'rf the action were pending in court ff requested by arty party, the arbitrator shall write an opinion containing the reasons for the award. The arbitratorY deasion wiB be final and binding except for any appeal rights under the FAA and except that 'd the amount in controversy exceeds f100,000, arty party may a al the award within 30 to athree-arbitrator panel, which shah re~ew the award de now. 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 arty 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 arty court having jurisdiction. Other Beneficiaries of thin Provision. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corpwatiorts wbsidixies, affiliates (inducting, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and wiN also inure to the beneftt of arty third rty named as a co-defendant whh us or with any of the foregoing. in a daim which is wbJ'ect to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the -1Y- 10DCM0_02801LTL22H0210_01383_reader.IrWd 15-16 benefit of and be binding upon a6 petwrts contractually liable under this Agreement and ail Authorized Users of the Account Sun~ivai of this Provision. ~ his arbitration provision ~ha0 sun~ive termination of your Account as well as voluntary pe mart in full lry you, anyy legal proceedings by us to collect a debt owedyby you, any bankruptcy by you and any sale by us of your Auount. Right to Reject Arbitration. You may reject the Arbitration of Disputes sectiwt by ng us a ratla of rejection wrdst 30 a Card, at the fdowitiig address: Disoovcr, PO Box 309 Soh lake CJty,11T 84130-0938. Hyou were presnausl, y wbiect to arbitration with respell to arty account with us, this ri to reject a ation will not a to you. Your rejeRion notce must mdude your name, address, t number, Account number and signature and must not be sent with arty other correspondence. Calving us to indicate that you. rejeR the Arbitration of Disputes section w sending a rejection notice in a manner or format that does not comply with all applicable requirements is insuffiaent notice. In order to process your notice, we require that the notice be provided ~ you directly and not through a third pa-t~t RejecGort of arbitration wi not affect your other rights w responsibilities under this Agreement or r obligation to arbtrate disputes under any other acoourtt as to whidt yY°UOu and we have agreed to arbitrate disputes. K you do not send a rejection notice, you will be obligated by the Arbitrator of Disputes section wRh respect to this and arty prior account have had with us, even if you have prewously sent a rejection notice with respect to that pnor account. LEGAL 8~lfERPRETATION OF TMS AGREEMENT Severability, ff any part of this Agreement becomes txteitforceable, kwill not make arty other part unerdarceable, except that if the Coss Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respell to that proceeding. Compliance with Interest Rah Lirnita6ons. We intend that this Agreement vtn8 comply with applicable interest rate limtations. You will. not be required to pay France Charges w other dwrges at a rate that is greater than the maximum amount permitted bbyy law. If R'n ever fmaBy determined that, but for this section, the France Cftarges w other dtarges under this Agreement wouM exceed the maximum lawful amount, the finance arga and other dtarges will be reduced to the maximum lawful amount Any excess amotxtt that you have already paid will be used to reduce the outstanding balance of your Account w will be refunded to you by means of a diedc in our diwetton. Governing law This Agreement and arty daim ar dispute arising out of this Agreement tn6B be governed ley applicable federal law and, to the extern state law apples, 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 first obtaining our prior wrttten cortsent. P~vacY PoucY We are required by federal law to provide you wish a copy of our Privacy Policy eadi year. B have prcviwdy notified us about your privacy preferences, as described in Section 4. R h not necessary to do so again unless you decide to change your preferences. -13- 12/15/09 1:37:05 PM We Respect Your Privacy Our mission is to provide you wkh superior products and services, along with the peace of mind knowing that the security of your personal information is our top priorty We understand your concerns about guarding information about you and your Account We want to aswre you that we have taken steps, and Nell continue to take steps, to safeguard that information. This Privary Polity describes our efforts to meet these objectives. h indudes a wmmary of the following importarrt information: • A listing of the personal information we collecC • The circumrtances in which we may share information with otherr, •. Trhme ways we safeguard the confidentiality and security of information; The steps you may take to limit our sharing of such information with others. See section 4 for complete details. Please read our Privacy Poiry arefully. h will help you understand how Nre collect and share information. t. What Personal Irrfomsation Do We Ca6ect7 To serve you better and manage our business, it is important that we collect and maintain accurate personal irdarination about you. We obtain this information from apDlicatiom and other forms you submit to us, from your dealings with us and others, from conumer reporting agerKies, and from other sources, such az our Web sftes For example: • We may obtain information such az your name, address and date of birth from appliations and other forms you submh to us. • We may obtain information such as Account balances, payment history, your use of your Attount and the types of services you prefer from your transaction and other dealings witfi us and others. • We may obtain information such az the balances of your loans with other lenders and your paynserrt history with others from corswmer reporting agendas • We may obtain information wdt az your Internet service provider, your e-mail address, your computer's operating system and Web browser, your Web site use and yow product and service preferences from your visits to Web sites. 2. b Personal bformation shared whh Others2 We limp the sharing of information Nrith others Many of the offers you receive for products and services are Qrovided directly to you ftom us. For example a -etailer that accepts the Dmcovere Card may cane to us with a spedal offer for Cardmembers, such as a discount cerbfiate or product upgrade. After careful coruideration of the nature of the offer and the company, we will create a fist of Cardmembers vdro may be interested in the offer based on certain characteristia. We vrill send the offer directly to those Cardmembm on behalf of the retaihsrby for exa inducting an insert in then monthly bilkng statement or ma7ing the offer ourselves. We control the kdormation used to make the offer, we do rat share the fist or any information about our Cardmembers with the retailer. Hovrever, pleaze understand thatd you do receive this type of offer from us and choose to take advantage of it the retailer may then lean infomation about you beause only Cardmembers with tartan characteristics received the offer. There are, however, drcunutances in which we may share the information we collect about you, as described in section 1, wrth 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 _tq_ 10DCM0_02801LR22H0210_01383_reader.Indd 17-te adhere to our privacy standards and to use this information only for the limited purpose fa which K was shared. We do not allow them to disdose it to others without our prior approval. a. Sharing Personal Information with Our Corporate Family Our corporate family offers a variety of products and servkes that can help you manage your Penances. In ceder to provide you with access to these products and services, Nre may share the rnformaDon Nre collect about you, az described in Section t, with other members of our corporate family. These companies inducts financial service providers that offer credrt protection, and servicing and payment processing services. b. Sharing Personal Information with Non-Affiliated Parties for Marketing Purposes We may share the information we collect about you, az described in Section t,with ruxr-affiliated third parties, inducting those that accept the Discover Card, in order to provide you with access to products and services offered directly by these companies that may be o value to you. These companies include finandal smote providers, such as insurance companies, and norr finanaal companies, such az retailers. c Sharing Personal Information with Others We may share the irdonnation we collect about you, az desoribed in Section 1, with companies that perform w or marketing services on our behalf, such az nraBing, market researdi and data pracessirrg; other financial institu6orrs with whids we have 'pint marketing agreen+cmts a companies that are our partnm for co-bra~ credit and roqrams or reward programs. We may also share sudr information az pemuttPed by law. 3. How Do We Protect the ConfidentiaKlit Seneity and krtegrity of ksfomuAfors about Your We maintain physical, ekctronk and procedural safeguards to protect the information we cokct about you. Access to such information is restricted to individuak who need if in orderto service r Accaint or provide products and services to you, and who are trai in the proper handBng of such irrforrwtion. Employees who violate these confidentiality requirements are wbject to our discrpGnary process. Where third parties prande wpport sconces, we require them to conform to our privacy standards. his important that the information we mairrtain about yyoouu a accurate and complete. ff Xou see information in your montf+ly t>iNing statentmts or elsewhere whrdr sugggee~rtss that our informaton is mcompkte ar inaccurate, please write to us atbiscover, PO Box 30943, Salt Lake City, l!T 84130A943 so that we an update 9ris information. 4. How Can You limit sharing of Irdormatian About Your We'respect your prvary and offer you dxaca az to whether we may share information about you with others. You have the option toteA us notto share the irdamwtion we w6ect about you, az desa~ed in Section 1, with non- affikatedthird parties. You oho have the option to tell us not to share the information Nis collect about.you, az described in Section 1, with companies in our corporate family H indicate a preference for either of these option, Please rxrderstand that you may not receive offers for products and services provided by other companies that could help you lower your vests, maximin your financal resources, or manage your finances. To indiate your preferences ant us at t-600.225.5202 or vvrite to Discover, PO Box 30961, Lake Gty, lfT &11300961. M you have previously notified us about~rour privay Preferences, it is not necessary to do so again unless yotf deade to dsange your preferences. Your written request should inducts your name, address, telephone number and Auount -15- 12/15/09 137:05 PM number(s) and should not be sent with any other correspondence. in order to process your request we require that the request be provided by you directh/ and not through a third party. You will need to provide us wish your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request wiN remain m effect until you notify us otherwise. We will honor your request and not share thh information excepptt az permitted by law For example, federal law permits us to share information about you vuitli consumer reporting agendes, service providers and finandal institutions with which we have ioirit marketrng agrcemerits. H you are a new Cardmember, we will not share arty information about you, except as permtted by law, for thirty days after we provide this Policy to you in order to give you an op unity to inform us about your preferenxes. ff you are an existing ta~ember, please understand that you may cortinue to receive marketing offers directly from other companies that were already in production prior to the processing of your request This Privacy Policy is provided to the pnmary Cardmember listed on the Aaourit However, any joint Cardmember has the right to notify us about preferences and we will treat that request az applying to. the entire Account We do not share information about former customers, except as permitted by law. This notification supersedes all previously issued Pnvary Policies. We reserve the right to amend this Privary Policy from time to time and we will notify you ff we do so. Thor Privacy Poky is provided to you by Discover Bank and its subsidiaries, which cwrently include GTC Inwrance Agency, Inc. and Dscover Products Inc Unless otherwise specified, it applies to the family of Discover Cards for coriwmers and the products and services offered in connection with those Cards, including the WaNet ProteRion and registration service (with the excepU~ of any information registered in connection with the service, which will not be shared). tt is part of your Cardmember Agreement and provides a further explanation of how we tolled and share information. You may have other nghts under state taws that apply to this information. Please note that you wiN also receive prnary notices for other credit card aaourts you have vrttFi us, az vveN az other finandal products and serviu~s provided toyou ~~yy us and our affiliates. You wip need to indicate your preferences for earl? of these separately az disclosed in the notice. Venrront Resideitts -Your state law requires finandal institutions to obtain your consent prior to sharing information about you with others. Except az permitted bylaw, we will not share information we celled about you with non-affTated third parties or companies in our corporate family unless you call us at 1-BOO~DISCOVER (1-800-347-2683) and authorize us to do so. CalNomia Residents-Your state law requires financial institutions to obtain your carrserit prior to sharing infarmatxsn about you witli nonaffiliated third parties. Except as permttted by law, we will not share information we celled about you with rwrwffiliated third parties while you are a resident of California. Your Billing Rights KEEP TH1S NOTICE FOR FUTURE USE This notice corrtains important information about your rights and our responsibilRies under the Fair credit Billing Ad. f. Notify !h in Case of Ertors or t~uestioru About You- Bill N you think your biN is wrong or if you need more information about a tramaction on your biN, wrtte us on a separate sheet of paper at the address -16- listed on ur bi11 for Notice of BiNing Errors. Write to us az soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error a problem aopear=d. You can telephone us, but going su will not preserve your nghts. In your letter, give us the following information: • your name and Account numher, • your dollar amount of the suspected error. • desmbe the error and explain, if you an, wfry you believe there is an error. ff you need more information, desrnbe the item you are not sure about M you have authorized us to pay your credit card bill automatically from your savings or dtedcing account you can stop the payment on any amourit you think rs wrong. To stop the payment, your letter must reach us three business days before the automatic payment is sdreduled to occur. 2. Your Rights end Our ResponsRs7ides Alter We Receive Your Wrjtten Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, vve must either correct the error or explain why we believe the bill was correct. After we receive your letter, we annot try to cdkct arty amount you question or report you az delinquent Wean continue to bill you far the amount you question, inducting finance charges and we an apply arty unpaid amount against your Account credit limit lbu do not have to arty questioned amount while we are investigating; buE you are still obligated to pay the parts of your bill that are not in question. ff we find that vve made a mistake on Your bill, you vn'N not have to pay any finance dwrges related to arty amount. N we didn't make a mistake, you may have to pay the Hance charges, and you wiN have to make up arty missed paymerts on the questioned amount In either ase, we wiN send you a statement of the amount you owe and the date that it is due. H you fail to pay the amourit that vve think you owe, we may report you as delinquent However, if our explanation does not satisfy you and you write us within ten days telling us tliat you stiN refuse to pay, vve must tell arryone we report you to that you have a question about your biN. And, we must tell you tfie name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when rt finally is. ff we donY foNow these rules, vve cant tolled the first S50 of the questioned amount even 'rf your biN was correct 3. Spedal Rule for Credit lard Purchases K you have a problem with the quality of goods or servkes that you purchased with a credit ard, and you tried in pod faith to correct the problem with the mercham, you may have the right not to pay the remaining amount due on the goods or services. There are two limttations on this right (a) you must have made the purchase in your home state a,d not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than f50. These Nmitatiora do not apply if vve overt or operate the mercharit or'd we marled you the advedisement for the goods or services. 4. Purchases Made with t7iecks or Cash Advances pu made v~,ritb a balance transfer check, ash advance or prort~wt~ional purchase check. Therefore, 'rf you have a problem with the quality of goods. or _t~_ tODCMp_02BOK TL22H0210_01363_reader.irMd 19-20 ~ 12/15/09 r:37U5 PM services that yyou purchased with a balar+ce transfer check, promotional purchase d+edc, cash advance Check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACODENi INSURANCE Discover. Cardmembers are provided with 5500,000 Scheduled Air Travel Accdent Irssuronce.• You, your Spouse, Domestic Partner or el' ible De dint Children for when a ticket was purchased on your Card (~ defined below) will be automatically ir+wred ayailut Accidental Loss of Lde arising from and acurring on a Covered Tnp while you, your Spouse, Domestic Partrler or eligible Dependerrt 1lildren for whom a ticket was purchased on your Card are riding as a passenger in or enteringg,, exiting or being struck by a kheduled Airvaft w a conveyance operated by a military transport service or riding as a passenger 1n or entering or'exiting arty conveyance licensed to carry the public for a fee and while traveling d+rectly to w from the airport immediately precednngg the departure of a kheduled Airaafton whichthe Inwred Person haspurchased passageand immediately following the arrival of a Schedule Aircraft on which the Insured Perron was a passenger. *Coverage is underwritten by Federal klwrance Comparryr, a member insurer of tfie Chubb Group of Inwrance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFRS: The full BmefR Amount (3500,000) B payable for Aaidental loss of Life. The Loss must occur wthin one year of the Accident MAXIMUM UMR OF INSURANCE: tf more than one Insured Person suffers a Loss in the same Aaidmt, the Company wiU rat pay more than the maximum limn of insurance (520,000,000) per Accident. If an Accident recalls in Benefit Amounts becoming payable, which when totaled, exceed the appliabk limk of inwrance shown above, the maximum limit of insurance will be divided pr N among the kswred Persons, based on eadl appdliable Ben rtef A~mou~ln the event of muhiple Acddental deaUts per bccormt arising from arty one Aaident, the Companys liability for all such Losses will be limited to a maximum Umit of inwrance equal to two times the apdicable Beneftt Amount for Loss of L'rfe. Benefits wit{ be proportionately drvded among the Imured Persom up to the maximum imtt of mwrance. DEFMrtnONS: Aaident ar Acddental means a;udder, unforeseen and unexpected event happening by chance, and includes unavoidable expowre to elements arising from a covered Hazard. Accdental BodUv I ' 1es) means bodily iryury whiff is Accidental, is the direct source of a Lou, a independent of disease, itlness or other rouse and pours while this pdiq is in force. A~ means a Card account means the Loss amount at the time the entire cost of the passenger fare is dlarged to an Amount ~ means the Discover Card. ta-.~@~g means the holder of the Card whose name appears on the credit ord. !L means the Federal Insurance Company. Tri means travel on a kheduled Airvaft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account -18- tODCENO_02801LTL22H0210_01369_reader.indd 21.22 i r 'U means those dlitdren, inducting adopted chi dren and those children placed for adoption, who' are primanly dependent upon the Insured Person for ma+ntenance and support and who ar=: (i) under the age or 19 and reside with the Insured Person; (2) heyond the age of 14, permanently mentally or physically chaNenged and incapable of self support; or (3) under the age of 25 and dassified as fuN-time students at an institution of hgher teaming. means a person who: (1) is at least 18 years of age and competent to enter into a contract; (2) is not related to the Irtsured Person by blood; p) has exdusivey 1'nred wkh the Ins,xed Person for at least one year prig tothe date of enrdlmerrt; (4) is not married or separated; and (5) as of the date of enrollment, has with rlwred Person at least two of the following financal arrangements: (a) a 'pint mortgage or lease; (b) a joint bank accour~ (c) joint thle to or ownr~ip of a motor vehide or status as a joint lessee on a motor vehide lease; or (d) a joint vedR card account with a financial institution. Neither the Insured Person nor the Domestic Partner can be married to, nor in a chn7 union with, anyone else. f~ means the covered dreumstances for which this inwrance is provided as stated in Section UI of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Description of Coverage. means all Cardmembers, their spouses, Domestic Partners and Dependent Oliidren, as well as authorized users of the Account )~ means the loss of Life. toss of.3ji g means death, inducting clinical death determined 6y the local governing medial authorities. Pd' means DFS Services LLC, the entity respa+sible for tfie payment of premium. means an aircrah owned and/or operated by a khedukd Ai ire. Sdreduled AkIMe means an airline which is either of United States registry and certified by the United States government to arty ggee on a regularly scl+eduled basis or of foreign register and approvedthersUnited States government and the appropnate foreign authority: )~ means hostilities following a declaration of War by a government auUarity. N there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factior+s, each in control of territory, or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFRS: B the Insured Person has rat been found within one yyeeaxr of the disappppeearor+ce, stranding, sinking, wredcirg or breakdown of anykheduled Airvaftorainveyance in whchthe k+wred Personwas covered as an oaupant, it will be aswmed, subject to aU other terms of the policw that the hrsured Person has suffered Lou of Life covered order this pdiclt EXPOSURE BENEFRS: Accident includes unavoidable exposure to elements arising from a covered Hazard. El1GlBll71'y: This inwrance plan is provided to lnwred Persons automatically when the entire cost of the passenger fare(s) on a kheduled Airline 1s charged to the Cardmember's Account while the in$urance is effective. h is not necessary for You to notif)r the Policyholder or the Company when Scheduled Airine tickets are purchased. EFFECTIVE DATES: Your inwrance under this inwrance plan is effective on the later of: 1) April 1, 2007; or 2) the date You become an eligible Cardmember. Your inwrance coverage under this +nwrance plan will cease _ ig_ 12/15/09 13796 PM on the earlier of: (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember. COST: This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Poliryholder pays the full cost of the insurance. THE BENEFICIARI`. The Loss of Life benefit will be paid to the benefidarryy designated bbyy you. ff no such designation has been made, that benefit Nn'll be paid to the first survnring benefd in the fdlovring order. a) your spouse; b) your children; ~ your parerrts~ your brothers and sisters, e) your estate. All other indemnifies wiH be paid to you. H you wish to dran9e your benefidary, you may request a beneficiary designation form by writing to the plan administrator at: The Direct Marketing GroupP, Irx.,13265 Bedford Avenue, Omaha, NE 68164 w at BeneficiaryrequestOTheDiredMG.tom. EXCLUSIONS: This inwrance plan does not cover Loss resudfing from: (t)an Accdent occurring while an knrrred Person is in, entering, or exiting aairrryy airaaft owned, leased or operated ~y the Policyholder or arty airaaft owned,. leased or ated by an employee of the Poliryhelder on behalf of the Policyhoder this exclusion does not apply to aircraft drartered wkh pilot a aew on one time dwrter basis), (2) an accident while an Inwred Person is in, entering, or exRi any airaaft while acting or training as a pilaf or aew member (this exclusion does not apply to passengers who tempowrilyperfonnpilot or vewfurxtions in a I'rfethreateningemergency); (3) emotional trauma, mental or physical illness, disease, pregnancg childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions (except baRenal infection eased by an Acddent or from Acddental consumptiori of a substance corrtamrnated by baReria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (5) declared o- un adored War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the oaurrence of any Loss covered by this pdicy or as soon as reasonably possible. Failure to ive notice within :+0 days will not irnalidate or reduce any otherwise valid claim 'rf notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of Loss to us within 13 days. H you do not receive the forms, you should send the Company a written desaiptron of the Loss. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Lou within these time frames wi6 not invalidate ark otherwise valid claim if ratite is gnren as soon as reasonably possible and m no event later than one year after the deadline to wbmrt complete proof of Loss. CLAIM PAYMENT: The ComparrX vri6 pay you or your benefdary the applicable Benefrt~ nt ~ m 60 daysrafter oompplIere proof of Loss is received and ff the Pd' older andd// the benefdary have complied with aH the terms of the pdrey. ARBITRATION: In the event of a dispute under this polity, either the Company or the kuured Person may make a written demand for arbitratron. M that case, the Comparnr and the Inwred Person will each select an arbiUator. The two arbitrators xa l select a third. H they cannot agree within 15 days, either the Company or the krwred Person may request that the droice of arbitrator be submitted to the American Arbitration Assodafion. The arbitration will beheld in the state of the Inwred Person's prindpal residence. -20- IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-800-CLAIMS-0 (1-800.252-4670). You can also go to the Company'Neb site (~rovvw.chubh.c~m), dick on Report a loss, selea Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBS GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 6001NDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number. 1-800-300.2538 As a handy reference guide, please read this and keep it in a safe place with your other inwrance documents. This desaiption of coverage rs not a contraR of insuranxe but is a wmma of the principal provisions of the insurance while in effect Complete Try provrsrorn are contained in the Master Polity, which can be obtaine from the Policyholder. Policy A9906-18-06 Pdicy Underwritten 8Y %an Administrator Federal kisurance Comparry The Direct Marketing Group, Inc a member inwrer of the 13265 Bedford Avenue' Chubb Grorrp of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, N107061-1651 DESCRIP?lON OF COVERAGE SECONDARY RENTAL CAR COL[KION COVERAGE Discover+ Cardmembers can benefit from the security and safety offered through Excess Colision Dama a Waiver. M you rent a vehicle for 31 consecutive days or less (o- 45 under certain dreumstances desaibed bebw) with your Card (as defin below), you maybe eligible for benefits under this coverage. Excess Cdpsion Damagge Waiver rs an insurance program, underwrrttm by Federal Irsurance Company Polity A9906-17-63 ( hthe'Pdiry'). DEFINRIONS: A count means a Card attount Actual Cash Value means the cost to repair or replace the Rented Automobile at the time of loss, less depredation. Cardmember means the holder of the Card whose name appears on the aedit card. Cdr means the Discover Card. Calision Damage means the direct and acddental damage to a Rented Automobile caused by upset or collision with another object Collision Damage does not include lens caused by missiles, falling objects, fire, theft or larcerry, explosion, earthquake, windstorm, hail, water, flood, malidous mischkf or vandalism, riot or civil commotion. spy means the Federal Insurarce Company. ~ means Cardmembers and authorized users of the Account means DFS Services LLC, the entity responsible for the payment of premium. means a commerdal automobile rental wmparry licensed under the laws of the applicable jurisdiction. 'r~ means afour-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented -21- IODCMO_02801(_TL22H0210_013~ reader.indd 23.24 12/1S/09 137:06 PM Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: • The Collision Damage Waiver Coverage is provided to you, as an Insured, automaticai~y when the entire remal fee for the Rented Automobile is chargqeedd or rJebhed to your Account h is not necessary for you to notify the company at the tune the rental fee is charged or debrted to your Account • You must decline the LosslDamage Ydaiver offered by the vehicle Rental en • Y u m st rent the vehicle in your own name and sign the vehicle rental agreemenUcontract • The coverage period will not exceed 31 consecutive days, or 45 consecutive days rf the Insured is an empbyee of an organization which has provided a Card to the Insured for business use. THE KMID OF COVERAGE YOU RECERIE: In consideration of the premium paid ~y the Policyhdder as required, and subject to aN the taints of the PoGcx the tomparry agree to remrMirse on an Actual Cash Value basis eitlur the red or the Rental A~erxy for repair or replacement of the Renrted Automobile as a rewh of CoNsson Damage tothe Rented AutomobBe. The Company's liability will be for a maximum reimbixsemertt of 125,000. h no everrttnnll the Compam be liable beyond the amounts actually paid by the inwred or the Rental Agerxyt • ff you or an Insured's primary vehcle insurance or other coverage has made payments for a covered lou, Excess Collision Damage IlVaiver wi8 cover your deduRibk and any other eligible amounts not covered by other insurance. • This coverage is not alHndus'rve, whkh means R does not cover such tfiings as personal in'ury or personal liability, h does riot cover you for any damages to other ides or property. h does not cover you for any injury to arty party. WHO K COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off{oad, antique or limited edition mots vehicles; trtxla; recreational vehldes, rompers, pickup Vudcs, and minibuses; 8rnited edition motor vehicles or high vahre, exotic, high performance or cdlector type. H' value motor vehicles arc motor vehicles whose replacemerrt value eraeeds 50,000. and ant' motor vehicles are defined as any vehicle over 25 years old, or any vehicle wlydi has rat been manufactured for 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented anywhere in the world. • Coverage a not available where prohrbted bylaw. WHAT 15)~j COVERED: Coverage does not aapppp to bss rauhing from the following: • Any dishonest fraudu~eM or criminal act of the Insured. • Forgery by the Insured. • Lou due to war or confiscation by authorities. • Lou due to nuclear reaction or radioactive contamination. • The Insured being intoxicated, as defined by the lam of the jurisdiction where the ksss occurred, or under the influence of any narcotic unless presvibed by a physidan. • Use of the Rented Automobile to tarty passengers and property for hire. • Use of the Rented Automobile by a person other than the one authorized -22- 10DCM0_02801LT1.22H0210_01363_reader.indd 25.26 to operate the Rented Automobile by,the terms of the Rental Agreement • Loss of use ~f the Rented .Automobile. • Intentior.ai 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 bu. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated or lasted in any territory prohibited by the terms of the Rental Agreemenrt.. FOR INSUREDS WHO ARE NEW YORK SPATE RESK)ENTS: To the extent that this plan provides inwrance against damage to a rented motor vehicle, the fdkmring terms std conditions apply. {1) the period of insurance coveraaggee will not exceed 31 consecutive days, a 45 consecutive days'rf the Insured'a an empk>yee of an organizatan which has provided the Card to the Insured for business use; and (2) the irtwrance provided by this plan will be excess over any other valid and collectible insurance covenng the Rented Automobile. However, the insurance provided tinder this plan may be primary if spedficaBy provided fa under the terms of this don andd the following criteria is met (a) the Rented Automobile h rented for tae outside the United States, its territories and possessions; (b) the hwred is an employee of an organization which has provided the Card to the lrsured for business use; and (d the Rented Automobile is rented witlaut a driver. HOW TO FR.E A CLAIM UNDp1 EXCESS COWSION DAMAGE WANER: In the event of a claim, written or verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CLAM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERtACE CENTER AT 1-80D{lAIMS-0 (1-000~252~4G7D). You can oleo gotothc Company Webshe (w+~w.dwbbcan}, dick on Report a Loss, select Acddent Benefits and Lrfe dakrs, select the appropriate form, print outthe claim form, fdl out and mail. You can file a claim by ntai or fax Mailhg Address: CHUBS GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER t+001NDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 233274700 Fax Number. 1-8003002538 CLAIM PROCEDURE: The hstxed must send the Company written ratite of a claim, inducting the lrsixed4 name and Policy number, within 90 days after a covered Vou occurs M notke cannot be given within that time, h must be given as soon as reasonably possible. To file a sworn Proof of loss, the Inwred must send the following information to the Company or its authorized representative: • A t opy of the Aaourrt statement showing the automobile rental transaction • A copy of the automobile rerrtal agreemerrt. • A copy of the police report. • A copy of the initial dakn repel submitted to the automobile Rental Agenry. • A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is respomible. • Proof of submission of the loss to, and the resuhs of arty settlement or denial by the applicable insurance rorrierW. • H no other inwrance's applicable, a notarized statement from the Insured to that effect -23- 12/15/09 1:37:06 PM Reminder: Please refer to the harrrance Disdossires section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other inswance documents: This Summary of Coverage is not a contract of insurance but k simply an informative statement to eligible Iruureds of the principal provisions of the inwrance while in effect Complete provisions pertaining to this plan of inwrance ate contained in the master pdiq on file with DFS Services LLC, herein referred to as the Policyholder. ff a statement in thk Summary of Coverage and any provision in the pdKy differ, the policy w61 govern. Poicy Undermitten By Plan Administrator Federal Inuxatxe Camps+ry ("Company") The Direct Marketing Group, Inc. a member of the 13265 Bedford Avenue Chubb Group of hxwance Companies Omaha, NE 68164 15 Mourrtain View Road, PO Box 1615 ' Warnn, NJ 07061-1651 Master Policy Number. 9906.17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program desa'~ptions, advertising, and/or brodrure by any partyc Policyholder and Company reserve the right to change the benefits and feature of these programs at any time. Cancegation: Policyhoder can cancel these benefits at any time or chose not.to renew the inwrance c for all authorized Cardmembers. N Poll er does carKel these, you vviU be notified at least 60 days in advance. Bthe C rry terminates, carKek, or choose not to renew the coverage to Polder, you will be notified as soon as k practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such tertninaGons, cancellation, or twn-renewal, subject to the terns and conditions of coverage. Benefits W yac Time benefits apply only to [ardmembers whose cards are issued by U.S. financial institutions. The United States k defined as 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 arty tegat a equitable rK,)ht, remedy, or daim for inwrance proceeds arrdlor damages under or arrsmg out of this coverage. Thee benefits do not apply d your Card loges have been cancelled. However, inwrance benefits-wi6 still apply fa arty benefit you were eligible for prior to the date that your Account is suspended or cancelled subject to the terms and condtions of coverage of your Cardmember Agreement. Tiamfer of rights a benefits: No rights or benefits provided under these irwrrance benefits may be assigned without the prior mitten consent of the Company. Misrepreerttationsnd Fraud: Coverage of the located will be void'rf, at any time, the Iriswed has concealed or misrepresented any material fad or drcurttstahce concerning this coverage or the subject thereof or the interest of the Insured herein,. or in case of any fraud or false swearing by the located relating thereto. Coverage for an Iristrrcd will be void if, whether before or after a loss, the Policyholder or its subscribing organizationis) has concealed or misrepresented arty material fad or circumstance concerning thk coverage or the wbjed thereof or the interest of the Irisured therein, or in case of any fraud or fake swearing by the Pdicyholder a its subscribing organuation(s) relating hereto. -24- 10DCM0_02BOK_1'1.22r10210_07383_rer«ler.indd 27-28 Add'itlon of New Insureds: All eligible persons will be automatically insured under this Policy. Examination Under Oath: it is a condition of this insurance that the !nsured and the Pol~'cyho~der, as often as may 'be reasonably required by the Company, vw'll submit, and within its power cause others to submit, to examinations under oath and will produce for examination all wmtinys, books of account, bilk, invoices and other vouchers, or certified copra thereof if originak are lost, at such reasonable time and place as may be designated by the Company or its representative, and will permit extracts and copies thereof to be made. No such examination under oath, examination of documents or arty other act of the Company, its employees or representatives in connedian with the invest~'gation of arty loss or rm wi6 be deemed a waiver of any defense and such acts shah be deemed to have been made or done without prejudice to the Camparq(s liability. No Benefit to Others: Thk coverage will in noway inure dvectly or indirectly to the beneftt of any htswer, person a organfzatton or other batfee. k is a condition of thk insurance that'rf the Company pays the Ira fotae~foss, it wi0 require tfie Insured to assign and transfer any daim or riggfit of action a aunt arty individual, firm or corporation for such loss to the Casrrparry or st~rogate or hold in trust a6 such rights to the extent of the amount paid. The Inwred will agree to take actiop as requested by the Company to enforce such rights. Upon payment by the Camparry to the Insured, the Insured agrees to deed enforcement of wch nghts as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Comparry. Arbitration: In the evert of a dkpute under thk policy, either the Company or the hisured may make a mitten demand for arbitration. m that case, the Camparry and the Inwred will each select an arbitrator The two arbitrators wiN select a third. ff they Cannot agree within 15 days, either the Company ar the located may request that the droice of arbitrator be wbmitted to the American Arbitration Assodation. The arbitration will be heW in the state of the hawed s.prindpal residence. GL08AL TRAVELER'S HOTLINE TERMS AND CONDIT10N5 The Global Traveler's Ratline provides Cardmembers and their families a wide range of free travel assistance benefits. R is operated by AXA Assistance USA, Inc Visit Discovercard.cardtravel to team more. EFg'hBigc You must be a Cardmember whose Acwunt k in good standing, the Cardmembers spouse or dependent child traveling with the Cardmember or an Authorized User of an Account in good standing. Tlrird~Party Urarges. Gbbal Trratyvelers Hotline is not inuurance, so you will such ~ qof fessional orthmedpical fees and expenses for services requested, AvailaWlhy of Service. Certain services may not be availabM in all areas. Call us at 1-800~DISCOVER (1-800347-2683) for assistarce or it you have questions about a ~'~ destination. Outside the U.S., call us cdlect at 1-801-902.3100. While AXA Assistance will make every reasonable effort to prDUide tfie services, neither AXA Assistance nor Drxover Bank or our respective affiliates wiB be liable if a service is not provided or for any seances that are provided by third parties. The services and these terms and conditions are subject to change without notice. 25 - 12/15/09 1:37:07 PM Oct, 4. 2010 2:57PM No, 8908 P. 2 VERIFICATION Natasha Szczygiel Account Manager (Name) (Title) of DFS Services LLC ,does hereby verify, under (Company} penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative of plainti#f' herein and authorized to make this verification, and that the facts sets forth in the foregoing Amended Complaint are true and correct to the best of his knowledge and information az~d that he/she is personally familiar with the account and the relatioo.ship between Discover $ank and DFS Services LLC ("DFS"). That Discover Bank, f/k/a C'rreenwood Trust Company, and is a FDIC-insuxed Delaware State bank, and its service affiliate DFS, extends credit through Issuance of the Discover Card. As the servicing affiliate, DFS performs a variety of services for Discover $ank including, among other things, marketing, application approval, transaction approval, customer service, security, billing and the collection of delinquent accounts. The collection of delinquent accounts includes the right to forwazd the same to the attorneys and/or collection agencies for collection and to file suit oxz Discover Bank's behalf. Both DFS and Discover Bank are both wholly owned subsidiaries of Discover Financial Services.. .. /1 n n Date - ' (Signature) /~ // U U Discover Bank c/o DFS Services L.L,C. PO Box 3025 New ,Albany, OH 43054 6011002072178304 Denise Starner W WR#~8251326 CERTIFICATE OF SERVICE A true and correct copy c?f the within Plainiiffi's Complaint leas bce~~ ser~ec! by t'.S. Mail, Postage Pre-Paid, on ~ day of~~Q,Q,__, 2010 upon the folk>~~'it~~l.;: Joseph Murphy, Inquire "Che J. Murphy Firm 210 ~irant Street. Suite 301 Pittsburgh, Pa 15219 I3v: Matthe~~~ 1) l_rrban, f~;squirc IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, V. DENISE A. STARNER, Defendant. Case No.: 10-3599-Civil ti ANSWER TO AMENDED COMPLAINT Filed on behalf of Defendant Denise A. Starner Counsel of Record for this Party: Ashley M. Derr, Esq. Pa I.D. 306604 The J. Murphy Firm 210 Grant Street, Suite #301 Pittsburgh, Pa 15219 (412) 521-2000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff, V. DENISE A. STARNER, Defendant. CIVIL DIVISION Case No.: 10-3599-Civil Certificate of Service I do solemnly swear that a true and correct copy of the within ANSWER TO AMENDED COMPLAINT was delivered to the below party or counsel as follows: Matthew D. Urban, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, 1400 Koppers Building Pittsburgh, Pa 15219 [ XX ] Via First Class, U.S. Mail, Posta a Pre-Paid [ ] Via Facsimile: [ ] Via Certified U.S. Mail, Postage [ ] Via Express Mail Pre-Paid Carrier: Article Number [ ] Via Certified U.S, Mail, Postage [ ] Other Method as follows: Pre-Paid, Return Receipt Requested. " 'shley M. rr, Esq. fl /08/2010 1111 THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, ) Plaintiff, ) V. ) DENISE A. STARNER, ) Defendant. j Case No.: 10-3599-CIVIL ANSWER TO AMENDED COMPLAINT AND NOW, comes the Defendant, DENISE A. STARNER, by and through counsel, THE J. MURPHY FIRM and ASHLEY M. DERR, ESQUIRE, and files the within Answer to Amended Complaint and avers as follows: L Upon reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment set forth in Paragraph 1. 2. Paragraph 2 of Plaintiff s Amended Complaint is admitted. 3. Upon reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment set forth in Paragraph 3. Count I-Breach of Contract 4. Paragraph 4 does not require a response. 5. Paragraph 5 is admitted. 6. Paragraph. 6 is specifically denied in it is denied that Plaintiff made an offer to the Defendant. To the contrary, the mailing of the credit card and terms and conditions were, at most, an acceptance of an offer that Plaintiff itself solicited from the Defendant. While it is admitted that terms and conditions are attached to Plaintiff's Amended Complaint as Exhibit 2, it is specifically denied that these terms apply to the subject account. 7. Paragraph 7 is specifically denied for the reasons set forth in Paragraph 5 above. 8. Paragraph 8 is admitted. 9. Paragraph 9 is admitted in part and denied in part. While it is admitted that Plaintiff has attached various statements to the Amended Complaint as Exhibit 3, it is specifically denied that the interest rate, charges and fees were accurately calculated. Strict proof of Plaintiff's allegations is demanded at the time of trial. 10. After reasonable investigation, the Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments contained in Paragraph 10. Therefore, the same are specifically denied. 11. Paragraph. I l is specifically denied for the reasons set forth in Paragraph 6 above. It. is further denied that Defendant is required to pay a balance that was improperly and inaccurately calculated. 12. After reasonable investigation, the Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments contained in Paragraph 12. Therefore., the same are specifically denied. 13. Paragraph 13 contains conclusions of law to which no response is required. To the extent that a response is deemed necessary, the same are specifically denied. Strict proof of Plaintiff's allegations is demanded at the time of trial. 14. The actual and correct balance is unknown and as such, the averments contained in Paragraph 14 are specifically denied. 15. As it is unknown as to whether the purported terms and conditions attached to Plaintiff's Amended Complaint are applicable to the account in question, the averments contained in Paragraph 15 are specifically denied. 16. It is specifically denied that the Defendant willfully breached the alleged contract with the Plaintiff. It is further denied that Defendant is required to pay a balance that was improperly and/or inaccurately calculated. Strict proof of Plaintiff's allegations is demanded at the time of trial. 17. As it is unknown as to whether the purported terms and conditions attached to Plaintiff's Amended Complaint are applicable to the account in question, the averments contained in Paragraph 17 are specifically denied. 18. Paragraph 18 is specifically denied for the reasons set forth in Paragraph 6 above. Count II-Uniust Enrichment 19. Paragraph 19 does not require a response. 20. Paragraph 20 is admitted. 21. Paragraph 21 is specifically denied, in that the benefit of goods and merchandise was not conferred upon the Defendant by the Plaintiff; rather, the goods and merchandise were provided by the merchants who sold the goods and merchandise to the Defendant. The only "benefit" conferred upon the Defendant by the Plaintiff was an extension of credit. 22. The averments contained in Paragraph 22 are specifically denied as it is further denied that Defendant was required to repay a balance that was improperly and inaccurately calculated. Strict proof thereof is demanded at the time of trial. WHEREFORE, the Defendant demands judgment be entered in her favor. Respectfully Submitted: J. MURPHY FIRM A hley M. Derr, Esq. ( ounsel for Defendant) 11/08/2010 O 7117 C\ M . _SL'j .Y11? =PIC' lC\ / /G2 (71-7) 7Za TINA M SWINN, IN THE COURT OF COMMON PLEAS OF Plaintiff V. JOHN A. SWINN, Defendant CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW . No. IN DIVORCE PETITION FOR ALIMONY PENDENTE LITE AND NOW, comes TINA M. SWINN, Plaintiff/Petitioner, -+-? rc) L'gl\ and files the following Petition For Alimony Pendente Lite: 1 TINA M. SWINN (SSN: 175-48-7168; DOB: 08/08/1964) is an adult individual currently residing at 11 West Highland Avenue, Enola, Cumberland County, Pennsylvania, and is the Plaintiff in the above-captioned divorce action. 2. JOHN A. SW INN (SSN: 184-48-8115; DOB: 2/23/1971) is an adult individual residing at 220 Willow Mill Park Road, Mechanicsburg, Cumberland County, Pennsylvania, and is the Defendant in the above-captioned divorce action. 41 id 3. Pr i 0 f 4 c the filing of this Petition, Plaintiff/Petitioner has A a Complaint in Divorce in the above matter, in which she raises a claim for alimony pendente lite in Count III of the Complaint, b y ?r1 a +? co,gjn o, o,44c ; Y, e? ?ok(n U:, ,- ? -c euj Se,<-vic e- . 4. Plaintiff/Petitioner is without sufficient assets and income to support herself and to pay her attorney's fees and the costs and expenses of this action. 5. The Defendant/Respondent has sufficient earning capacity to support the Plaintiff/Petitioner. 6. Plaintiff/Petitioner is unable to provide and maintain the standard of living enjoyed by the parties during the marriage and is need of alimony pendente lite to support herself and to adequately protect her rights and interests in the pending divorce action. WHEREFORE, Plaintiff/Petitioner prays this Honorable Court to enter an Order directing Defendant/Respondent to pay alimony pendente lite to Plaintiff/Petitioner in accordance with the guidelines set forth in the Rules of Civil Procedure. Respectfully submitted, !l we.s i?j1-t?An f?t/Y?u (?17) 73a-9596 P-) A o i4 i,PF lprc, ot. -2- y 4 VERIFICATION I verify that the statements made in the foregoing Petition For Alimony Pendente Lite are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4004, relating to unsworn falsification to authorities. DATED: 10//0 _ e?? - 2";,, TINA M. SWINN, Plaintiff/Petitioner -3- A*.$ toulei- 8 6A (yj1) ))eA;5e-,P, S 1 Af-A t-e' OF COMMON PL RS (K O _ IN THE COURT CUMBERLAND COUNTY, PENNSI AW q NO. S-q CD - h J O D N ? RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the Following form: PETITION FOR APPOINtMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: r L', ?s a counsel for the plainti in the above action (or actions), respect y represents that: 1. The above-captioned action (e&aaticns) is (Am) at issue. 2. The claim of plaintiff in the action is $ > '17 The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: am 4 :09q. C&qDejiay - yoSelh Murfki tv ' WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, ORDER OF COURT AND NOW, petition; Esq., and captioned action (or actions) as prayed for. 200 , in consideration of the foregoing Esq., and Esq., are appointed arbitrators in the above By the Court, EDGAR B. BAYLEY CERTIFICATE OF SERVICE A true and correct copy of the Petition for Appointment of Arbitrators, for an Arbitration Hearing, has been served by First Class Mail, postage pre-paid, on S day of cOA U-Uj ( , 20 upon the following: JOSEPH MURPHY, ESQUIRE THE J MURPHY FIRM 210 GRANT ST, SUITE 301, PITTSBURGH, PA. 15219 By: A, ,0 k2 5` i 3 2 ? A'j cover g' nj (V-") ))ell;je- ? . SfkrA e-" IN THE COURT OF COMMON PLERS (W 0 `n CUMBERLAND COUNTY, PENN S' ANi rn NO. D Ys R .'?, r 29 1 n p CD W RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the Following form PETITION FOR AI'POINTMEITr OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: Jk rJ C CAC&fZo 4 s r e , counsel for the 6i??ftt in the above action (or actions), respec y represents that: 1. The above-captioned action (eons) is (Mo at issue. 2. The claim of plaintiff in the action is $ k' 30k, "7 The counterclaim of the defendant in the action is - ? oal?? The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit o-lkl' ?' *a 5SS-SS as arbitrators: r 1? h I ?i V WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, ORDER OF COURT - w° C..) z-2 O U C) o° 4J CL J n' U- w 1.L_ C7 AND NOW, 200/ , in consideration of the foregoing ti} Esq., and F1® Esq., . 4,1" 4aL4eki? Esq., are appointed arbitrators in the above ilptio Raction (or actions) as prayed for. By the Court, . A4y s. ??. CERTIFICATE OF SERVICE A true and correct copy of the Petition for Appointment of Arbitrators, for an C?h Arbitration Hearing, has been served by First Class Mail, postage pre-paid, on ? day of ? ck-A 0-" , 20 I / upon the following: JOSEPH MURPHY, ESQUIRE THE J MURPHY FIRM 210 GRANT ST, SUITE 301, PITTSBURGH, PA. 15219 By: FILED-OFFICE 0 I{E HROTHONOTARY 2011 JUN 17 A? 10' 30 CU P?ltNSYLDVANt?A TY IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. DENISE A STARNER Defendant No. 10-3599-CIVIL PRAECIPE FOR JUDGMENT ON AWARD OF ARBITRATORS FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Sarah E. Ehasz, Esquire PA I.D. #86469 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08251326 Jmt: $6,975.23 p„ i+ %IQ oo pd aN e t a qO ?9ss3 %oh-C4 014 /-ed IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No. 10-3599-CIVIL DENISE A STARNER Defendant PRAECIPE FOR JUDGMENT ON AWARD OF ARBITRATORS TO THE PROTHONOTARY: Enter Judgment against Defendant, DENISE A STARNER on the Award of Arbitrators in the amount of $6,975.23. WELTMAN, WEINBERG & REIS CO., L.P.A. By: Sarah E. Ehasz, Esquire PA 1. D. #86469 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08251326 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7'h Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendantl is: 299 STARNER STATION RD., GARDNERS,PA 17324 Plaintiff j Defendant In The Court of Common Pleas of Cumberland -. '/ County, Pennsylvania No. J _' - .07 Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duties of our office with fidelity. 4:7777, Si nature Signature ignature A Name (Chairman) Law Firm L" V111 Address , Address Lil-idk A. Name few F+r???? ?? LJr?dr< ?- 01st fi1?%? Law Firm 6t,-l 6• f yt ridll 12 .?? ? Kato Address ?l` ?o-rr.n E?t'G Jr/ !7l/rJ f-7 ? 1 City, Zip City,p Zip City, TZip Award We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) . Arbitrator, dissents. (Insert name if applicable.) Date of Hearing: z? ?) 1 i' Date of Award: Name S ?:?m • ller Lc1,'l ;, ?c e L Law Firm Notice ofTAwtry of Award Now, the !S?74 day of / &J '20 // , at //-'mss , A .M., the above award was entered upon the docket and notice thereof given by mail to the parties or their attorneys. Arbitrators' compensation o be paid upon appeal t Prothonotary (Chairman) TRUE COPY FROM RECORD i S© ( in Testimony whereof, I here unto set my hand )r the seal of said Court Aisle, Pa. This day of 20 -[?-- y: ryP9 Deputy IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No. 10-3599-CIVIL DENISE A STARNER Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgment was entered against you on (xx) Assumpsit Judgment in the amount of $6,975.23, plus interest and 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 ( ) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict (xx) Arbitration Award Prothonotary BY: PROTHONOTARY (OR DEPUTY) JOSEPH MURPHY, ESQUIRE THE J MURPHY FIRM 210 GRANT ST, SUITE 301 PITTSBURGH, PA. 15219 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No. 10-3599-CIVIL DENISE A STARNER Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgment was entered against you on (,4 - ?:1-11 (xx) Assumpsit Judgment in the amount of $6,975.23, plus interest and 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 ( ) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict (xx) Arbitration Award Prothonotary By: PROTHONOTARY (OR DEPtftoF DENISE A STARNER 299 STARNER STATION RD GARDNERSRA 17324 WELTMAN, WEINBERG & REIS,CO3, • L.P.A. BY: Matthew D. Urban,90963 I.D. No. 90963 436 7th Ave Ste 1400 Pittsburgh PA 15219-1827 (412) 434-7955 FAX: 412-338-7130 File # 08251326 C A Pit SJS . Attorney for Plaintiff(s) DISCOVER BANK VS. DENISE A STARNER TO THE PROTHONTARY: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CASE NO. 10-3599-CIVIL -0c 1 -- i In7 rn__- ..., '-1.1 ofi ••• V',...' = c Cn ..-4 e:2 -41-1 PRAECIPE TO SATISFY Kindly mark the case and judgment entered against Defendant DENISE A STARNER as satisfied. .• WELTMAN, WEINBERG & REIS CO., L.P.A. By • Matthew D. Urban Attorney for Plaintiff R.So a C 1■sl 64 at