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10-3689
/, Our File No.: 266359 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054 Plaintiff, vs. SUZANNE E BOWSER 62 LONGSTREET DR CARLISLE, PA 17013-8112 Defendant. 2010 JUN -4 PH 3: 2a CUt, JiJ rY PEf divSYLVi,Nw 4, COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 16 - NOTICE 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 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. CUMBERLAND COUNTY BAR ASSOCIATION 1 1 34 S. BEDFORD ST. \v CARLISLE PA 17013 717-249-3166 (2*-tLV83zs? ql--tL- -)(/3rqd Y. Our File No.: 266359 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054 Plaintiff, vs. SUZANNE E BOWSER 62 LONGSTREET DR CARLISLE, PA 17013-8112 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.. CIVIL ACTION COMPLAINT FIRST COUNT Plaintiff is DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC, 6500 NEW ALBANY ROAD, NEW ALBANY, OH 43054. 2. Defendant(s) is/are SUZANNE E BOWSER, an adult individual residing at 62 LONGSTREET DR CARLISLE, PA 17013-8112. 3. At the special instance and request of Defendant, Plaintiff, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC, issued to Defendant(s), Account #6011002080365471. 4. Defendant received, accepted and used the account to its benefit. 5. This account is in default and Defendant(s) has an unpaid balance of $13,541.62. A true and correct copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A". 6. All credits, if any, to which Defendant(s) is entitled, have been applied to the account and are included in Exhibit "A". 7. Although demand has been made, Defendant(s) has failed to make payment of the amount due as above. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $13,541.62 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER & S OCIATES, Attome for/Plaintiff ALawFirmEn minD? BY: David J. ANthaker, Esquire Dated: 5/28/2010 Our File No.: 266359 VERIFICATION David J. Apothaker Esquire Esq_ hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A 490 relating to unworn falsification to authorities. David J. Ap'thaker, Esquire Attorney for Plaintiff DATE: 5/28/2010 DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC SUZANNE E BOWSER 62 LONGSTREET DR CARLISLE, PA 17013-8112 STATEMENT OF ACCOUNT Debtor's Name: SUZANNE E BOWSER Account Number: 6011002080365471 Balance Due: $13,541.62 Our File No.: 266359 EXHIBIT "A" 266359 Request for Service R. Thomas Kline Sheriff Cumberland County Office of the Sheriff One Courthouse Square Carlisle, PA 17013 Ph: 717.240.6390 Fx: 717-240-6397 Plaintiff/s: Court Number: DISCOVER BANK BY ITS Expiration Date: SERVICING AGENT DFS SERVICES L LC Type of Action: Civil Action Defendants: SUZANNE E BOWSER Serve Upon: SUZANNE E BOWSER Address for Service: 62 LONGSTREET DR CARLISLE, PA 17013-8112 Alternate Address for Service: Type of Service: O Personal (X) Adult in Charge O Deputize O Certified Mail O Posting Special Service Instructions: * * If service is to be made by deputized service to another county please specify which county Filing Attorney Information: Name: Apothaker & Associates, P.C. Address: 520 Fellowship Road C306 Mount Laurel, NJ 08054 Telephone: 215-634-8920 C3 ° ,~ Our File No.: 266359 ~= ° ~-~ APOTHAKER & ASSOCIATES, P.C. ,~ ., : ; ; - _~ rr; By: Benjamin J. Cavallaro, Esquire _ --' c~•? ~ "~}' Attorney LD. #307949 r. _ - 520 Fellowship Road C306 ~ - _ - ~7 ~~ Mount Laurel, NJ 08054 ~~~-` ~~' ~ m (800) 672-0215 ~ ~_ =~ Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY '~ NO.: 103fs8'St3CIVIL TERM vs. SUZANNE E BOWSER Defendant Civil Action MOTION FOR SUIVIlVIARY JUDGMENT Plaintiff, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC, respectfully requests that the Court enter an Order granting Summary Judgment in its favor for the following reasons: 1. There are no genuine issues of material fact to decide. 2. Plaintiff, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC, filed a Complaint to recover a $13,541.62 balance on the defendant's delinquent account with DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC. A copy of Plaintiff s Complaint is attached hereto as Exhibit "A" and incorporated by reference herein. 3. Defendant, SUZANNE E BOWSER, filed an Answer to'the Complaint in which defendant admits owing the debt but disputes the amount sought by Plaintiff. A copy of" Defendant's Answer is attached hereto as Exhibit "B" and incorporated by reference herein. 4. Defendant's responses to the discovery requests sent by Plaintiff further elucidate the fact that defendant in fact had an account with Plaintiff upon which there was an unpaid balance. 5. Defendant's response to Plaintiff's Request for Admission #15 specifically admits that no payments were made towards the account after charge-off. 6. Plaintiff attaches hereto multiple credit card statements, the last of which evidences the balance on defendant's account at the time the account was charged off. 7. The outstanding balance on the referenced statement matches the damages which Plaintiff seeks herein, $13,541.62. 8. Plaintiff also attached the Cardmember Agreement for defendant's account. 9. Plaintiff has demonstrated that there is no genuine issue of triable fact. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $13,541.62. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Encased in Debt ~ollectio~ BY: J. E~x1•laro, Esquire Dated: July 19, 2010 Our File No.: 266359 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800}672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. SUZANNE E BOWSER Defendant NO.: 10-36889 CIVIL TERM Civil Action PLAINTIFF'S BRIEF IN SUPPORT OF ITS MOTION FOR SUMMARY JiJDGMENT Facts Plaintiff, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC, by the undersigned attorneys, respectfully submits this brief in support of its motion for an order for Summary Judgment. Plaintiff extends credit for purchases made by customers who assent to a credit agreement. In the agreement, Plaintiff promises to extend a credit account to the customer in consideration of the customer's promise to repay in full the outstanding balance due plus interest incurred. Defendant, SUZANNE E BOWSER, entered into a credit agreement with the Plaintiff. Defendant purchased goods pursuant to the credit agreement. As Defendant has failed to make payments in accordance with the credit agreement on the outstanding balance, defendant is in breach of contract. Plaintiff filed a Complaint on or about May 28, 2010. Defendant filed an Answer, in which defendant admits the existence of this debt, and claims to be liable on this account. Defendant, however, questions the balance due on the account. Defendant's response to Plaintiff's Request for Admission #15 specifically admits that no payments were made towards the account after charge-off. Plaintiff attaches hereto multiple credit card statements, the last of which evidences the balance on defendant's account at the time the account was charged off. The outstanding balance on the referenced statement matches the damages which Plaintiff seeks herein, $13,541.62. In further support of its claim, Plaintiff attaches the Cardmember Agreement for defendant's account. Plaintiff has successfully established the requisite elements of its claim, a contractual duty, a breach of said duty and resulting damages. As there are no genuine issues of material fact to be decided, Plaintiff is entitled to Summary Judgment. Legal Ark ent Pa.R.C.P. No. 1035.2 states that a Motion for Summary Judgment may only be granted when there is no genuine issue of material fact as to a necessary element of the cause of action or defense which could be established by additional discovery or expert report. Pa.R.C.P. No. 1035.2(1). A material fact for motion on summary judgment is one that directly affects the outcome of the case. Fortney v. Cadlenberger, 801 A. 2d 594 (Pa. Super. 2002). Application of this rule has held that summary judgment may be granted only in those cases where the right to summary judgment is clear and free from doubt. Laich v. Bracey, 776 A. 2d 1022, (Pa.Cmwlth. 2001). 'The purpose of the summary judgment procedure is to prevent vexation and delay, improve the machinery of justice, promote the expeditious disposition of cases and avoid unnecessary trials when no genuine issue of material fact is raised. A motion for summary judgment shall be granted if the documents of record show there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law. Pa.R.C.P. §1035(b); Allen v. Merriweather, 413 Pa. Super. 410, 411 (1992); Beasel v. New Blvd. Baking Co. Inc, 410 Pa. Super. 591, 593 (1991). In making its determination, the Court must accept as true all properly pleaded facts, as well as all reasonable inferences which might be drawn therefrom. Thompson v Nason, 379 Pa. Super. 115 (1988), aff"d, 527 Pa. 330 (1991). The Court must restrict its review to material filed in support of and in opposition to the motion for summary judgment, and to uncontroverted allegations in the pleadings. Pa.R.C.P. § 1035; Overly v. Kass, 382 Pa. Super. 108 (1989). The party requesting Summary Judgment beazs the burden of demonstrating cleazly that there is no genuine issue of material fact. Driscoll v. Carpenters District Council of Western Pennsylvania, 370 Pa. Super. 295 (1988}; aff'd, 525 Pa. 205 (1991); Allen, 413 Pa. Super. at 411; Beasel, 410 Pa. Super. at 594; Hower v. WhitmarkAssoc~ 371 Pa. Super 443 (1988). In response, the nonmoving party may not rest upon the pleadings, but must set forth specific facts controverting the movant's case. Pa.R.C.P. §1035.3; Phaff v. Gerner, 451 Pa. 146 (1973). A review of the pleadings as a whole in the instant case reveals that Defendant has failed to sustain its burden of presenting facts which contradict the elements of Plaintiffis claim. Conclusion Plalntiffhas demonstrated sufficient facts to warrant summary judgment in its favor. Once Plaintiff satisfies its burden, Defendant must demonstrate facts which would create a genuine issue for trial. Phaff, supra. Defendant has failed to sustain its burden of presenting facts which would contradict the elements of Plaintiff's claim. WHEREFORE, Plaintiff demands Judgment in favor of Plaintiff and against Defendant(s) for the sum of $13,541.62. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Dgb~jCollectio~ BY: Esquire Dated: July 19, 2010 Our File No.: 266359 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney LD. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. SUZANNE E BOWSER Defendant CERTIFICATION OF SERVICE Civil Action I, Benjamin J. Cavallaro, Esquire, attorney for Plaintiff, certify that on July 19, 2010, I mailed a copy of Plaintiff s Order, Motion for Summary Judgment and Brief in support thereof to: SUZANNE E BOWSER 62 LONGSTREET DR CARLISLE, PA 17013-8112 APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Deb~ollectio~ BY: Esquire NO.: 10-36889 CIVIL TERM Dated: July 19, 2010 M Supreme Peas ~OU.II~' .For PreiBiiaatetury, LTSe t3n{y: - ~ ' ~ Docket No_ fl ~k xh 'tom=~ The it for»tation cxrllectear!' r~~z this, firm is used salely~for ccnax arlinirtisira#ir~n pnarposns. This frmn dies got supptt yr r~epl ace tPre filing a~ad ~+~vgce of pPea~lirtg~ ear ot?~ar-Rap+ers as regBCfred by tmv or rules ref court Commencement of Action: ~ Complaint ^ Writ of Summons ^ Petition ^~t~ "~ 1 Transfer from Another Jurisdiction ^ Declaration of Taking 1 ' Lead Plaintiff s Name: DISCOVER BANK BY ITS Lead Defendant's Name; SUZANNE ~~ k ~ ' 5ERVICING,AGENTDFSSERMCES LLC ^~~' ~`~' ^ Check here fyou are aSelf-Represented {Pro Se} Litga ' ~,,,,,~,,,,,,,~,,~, Name. of PlaintifflAppellant's Attorney:. Apothakdr and Associates. P.C. ' Are money damages,requested? : ®Xes [~ No Dollar Amount Requested: ~_ within arbitration limits (Check oae) outside arbitration limits Is this a Glass Anion Suit? p Yes ~ l~to ;~ Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) ^ Intentional Malicious Prosecution D Motor' Vehicle ^ Nuisance ^' Premises Liability Product Liability ('does not .include mass tart} [~ Slandcrll.ibeU Defamation ^ Other: MASS TORT C] Asbestos L7 Tobacco ^ Toxit; Tort -DES Toxic Tort -Implant ^ Toxic Waste Other. PROFESSIONAL LIABLITY i] Dental D Legal Medical Other Professional::. Pa.RGI'. 2115.3 Pesylvana CONTRACT {do not ir+clude Judgments) ^ Buyer Plaintiff ® Debt Collection: Credit Card [1 Debt Collection: Other ^ Employment Dispute: :Discrimination. [~ Employment Dispute: Other d Other: .REAL PROPERTY ^ Ejectment [] Eminent Domain/Condemnation Ground Rent ^ I:andlordCl'enant Dispute [] Mortgage Foreclosure [~ Partition ^ Quiet Title p other: CIVIL APPEALS Administrative Agencies Board of Assessment Board of Eltctions [] Ihpt, of Transportation ^ Zoning Board ^ Statutory Appeal Other JudcialAppeais ^ MDJ - LandlordlTenant [~ MDJ - Money lodgment 'Other: M7SCELLANEQUS Common Law/Statutory Arbitration Declaratory 3udgment D Mandamus Non-Domestic Relations Restraining Order ^ Qua Watranta ^ Replevin Other:. 21Z01D Our- File No.: 255359 APOTHA.K,ER & ASSOCIATES, P.C, BY: David J. Apothaker, Esquire Attorney I:D. #3$423 520 Fellowship Road C306 Mount .Laurel, NJ 08054 (800} 672-215 Attonaeys for Plaintiff DISCOVER SANK BY ITS SERVICING AGENT DFS SERVICES LLC 65~ NEW ALBANY ROAD NEW ALBANY,. ox 43054 Plaintiff, ~~. SUZ.~NNE E sOWSER 62 LONGSTREET DR CARLISLE, PA 1.'7013-8112 Defendant. ~i.~Lt-~' i ~;' 7~(0 JJN -4 ~'#~ 3~ ~$ MV~S!~^^~~~_~ n Nay\p".i~/I ~~a~/y~~.1 S COURT OF COMIviON PLEAS CUMBERLAND COUNTY No.: l+d - 3f.S ~~t,~ ~ NOTICE -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 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 da 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 ar f`or any other claim or relief requested by the plaintiff.. You. may lose money ar property or other rights '.important to :you. 'YOU SHOULD TAKE PHIS :PAPER TO YOUR LAWYER AT ONCE. IF Y()U DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OI'FICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.. IF VOU 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. CUMBERI..AND COUNTY BAR ASSOCIATION 34 S. BEDFORD ST. CARLISLE PA 1701.3 717-249-3166 Our File Na.: 266359 . APOZ~iAI~ER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road. 0306 Mount Laurel,. NJ 0$454 {$00) 672-021.5 Attorneys for Plaintiff DiSCQVER BANK BY iTS SERVICING AGENT DFS SERVICES LLC 6500 NEW ALBANY ROAD NEW ALBANY, OH 43U54 Plaintiff, vs, SUZANNE E BOWSER 62 I,ONGSTREET DR CARLISLE, PA 17013-$112 Defendant. COURT OF COMMpN PLEAS CUMBERLAND COUNTY NO.. CIVIL ACTION COMPLAINT FIRST CUUNT 1. Plaintiff is DISCOVER BANK BY ITS SERVICING AGENT'DFS SERVICES LLC, .6500 NEW ALBANY ROAD, NEW ALBANY, OH 43054. 2. Defendant(s) s/are SUZANNE E BOWSER, an adultindividual residing at b2 LONGSTREET DR CARLISLE, PA 17013-8112. 3. At the special instance and :request of Defendant, Plaintiff, DISCOVER BANK, BY iTS SERVICING AGENT DFS SERVICES LLC,. issued to Defendant(s), Account #6011002080365471. 4. Defendant received, accepted and used the account to its benefit. 5. This account is in default and Defendant(s~ has an unpaid balance of $13,541,62. A true and connect copy of the total due -and owing is attached hereto, made a part hereof and marked as Exhibit "A" 6. AIt credits,. if any, to which Defendant{s} is entitled,. have been applied to the account and are .included in Exhibit "A"; 7. .Although demand has been made, Defendant(s) has failed to make payment of the amount due as above. WHEREFdRE, Plaintiff demands. judgment in favor of Plaintiff and against Defendant(s) for the .sum of $13,541.62 and requests this Court award costs to the extent permitted by applicable law. Al'OTHAKE,R &,,S~OCIATES, A Law Firm BY: Dated: 5128/2010 David J. tour File No.: 266359 vEx~rca~ox David J A ©thaker 'Esquire Est hereby stales that I am counsel for plaintiff in this action, axed that I am authorized to take this Verification, and that the statements :made in the foregoing Civil Action Complaint are true and correct to the- best of my laiowledge, .information, and belief The undersigned understands that. the statements therein are made subject to the penalties of 1$ relating to unsworn_falsficaton to authorities. David J. Ap~thaker, Esquire Attorney for Plaintiff DATA: 5/28/2010 DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC SUZANNE E BOWSER 62 LONGS'I`REET DR CARLISLE, PA,1701 ~-8112 STATEI~SENT OF ACCOUNT Debtcar's Name: SUZA,I~INE E BOWSER Account Number: fi011 a020803fi5471 Balance Due: $13.,541..62 Our File Na.: 2fifi359 EXHI$IT nAu 266359 Request far Service R. Thomas Kline Sh.er#f Cumberland County Office of the Sheriff Oite Courthouse Square Carlisle, F'A 17013 Ph: 717.240.6390 Fx: 717-240-6397 Plaintiffs: Court Number: DISCOVER BANK BY ITS Expiration Date: SERVICING AGENT DFS SERVICES LLC Type of Action: Civil Action Defendants: SUZ;ANNE E B4WSER ' Serve Upon; SUZA.NNE E BOWSER Address far Service: 62 LONGSTREET DR CAl2LISIE, PA I7013-8112 Alternate Address for Service: Type of Service: ()Personal (X) Adult in Charge ()Deputize ()Certified Mail. ()Posting Special Service Instructions: *~` If service is to be made by deputized service to another county please specify which county .Filing. Attorney Information: Nye: Apothaker & Associates, P.C. Address; 520 Rellawshp Road 0306 .Mount Laurel, NJ 08054 Tel hone: 215-634-8920 ~~~ T t Discover Bank By its Servicing Agent DFS Services LLC 0500 Neyv Albany Road New Albany, flH 43054 Plaintiff tlS. Suzanne E. Bowser 62 iAngstreet Drive. Carlisle, PA 27013-8112 Defendant 1N THE Carnmon Pleas COURT OF Cumberland COUNTY, STATE OF Pennsylvania Case Number -10-3689 ,~ P]i ~ ~ ppS I^~I.i EIS 2 t ~: e 33 ! 7~ ANSWER TO COMRlAINT i question the dollar amount owed due to legal fees and the excessive amount of interest that has been added an to my owed debla i contacted The Freedom Debt Relief Program because of my husband's medical'hardshlpthot kept him out of work for 3 rrronths. Also,. during that same time period my pay as an Instructional Aide stopped which decreased my income by 8596 because the Carlisle Area School District does not pay when schopl is not in session far the summer,l plan to continue with The Freedom Debt Relief Program to resolve this issue outside ar court. Dated this lone 2I, 2010 Respectfully Submitted, ~' ~~ts~cc1.1 Suzanne E. Bowser C}ur File No.: 26b359 'y APUT`HAKER & ASSOCIA"I ES, P.C. By; Kimberly F. Scion, Esquire Attorney I.D. #55140 JUL. 4 6 2010 520 Fellowship Road C306 Mount Laurel,. NJ 08054 (800} 672-0215 ay, } Ct?URT OF CQMMUN PLEAS OF DISCOVER BANK BY IT'S SERVICING ) CUMBERLAND COUNTY AGENT DFS SERVICES, LLC } Plaintiff ) NU.: 10-368$9 CIVIL TERM Vs. } } Civil Action. St1ZANNE E BOWSER } Defendant PLAIN'TIFF'S FIRST REQUEST FQR ADMISSICINS,_INTERROGATORIES AND REQUESTS FOR PRODUCTION To; SU~t1NNE E BOWSER, Defendant, Pursuant to Pennsylvania Rules of Civil. Procedure §4005,. §4U09. I et seq. ,and §4014 you are to answer and respond. to the attached. Requests for Admissions, Interrogatories, and Requests far Production. separately, fully, and in writing.. You should deliver a true copy of your answers and responses to the uzidersigned attorney by the deadlines stated flow. Kin~Ibe~ly F. Scion, Esqu?e Attorn{~y far Plaintiff Attorney I.D. #55140 520 Fellowship Raad C30b Mauna. Laurel, NJ 4$054 (800) b72-0215 DEFINITIC)NS A. "Issuer".refers to DISCOVER BAND. B. "Account" or "the Account" refers to Account Number 60 1 1 00208t)365471 with. DISCOVER BANK. C. "Card'' or "the Card" refers to the credit card that was issued on the Account. D. "Defendant," "you,' "your," or "yours" refers to StJZANNE BO'UVSER E. "Plainti#f' refers to DISCOVER'.BANK BY YTS SERVICING AGENT DFS SERVICES LLC and encompasses any person, employee, or other entity authorized to act on .Plaintiff's behalf. F. "Charge-Off date" means C3ctober 14, 2049. G. "Charge-Off. Amount" means $13541.62. H. "Upen Date" means December 15, 2002. I. "Last Pay Date" means July 3 i, 2049. J. "Identify", as used herein with.. regard to a person, shall mean to provide the following: { I ~ the person's -full name; {2) any other names the person. uses or has used. in the past; (3) the person's residential. address and telephone number; (4) the person's business address(es) and telephone number(s); (S~ the. person's employer and job title; {6) if the ..person is a former employee of Defendant, the person's last job title while so employed, and the date. of termination; and. {7) if the person is not an employee of Defendant but has some other connection with Defendant, for example, agent, independent contractor, o#f'icer, director, ar customer, the person's connection with Defendant. K. "Identify", as used herein with. regard to documents or tan,~ble things, shall mean to .describe such documents or tangible things by title,. present location, usual. location, custodian, and contents. L. 7'he word "document" is used herein in its broadest sense to include any medium upon or with which information. is recorded. or preserved which. belongs to, or is in or subject to the possession, custody or control of Defendant or befendant`s attorneys, agents, employees, trustees, representatives, professional accountants, and any attorneys with wham you may claim the right of joint defense privileges or .special relationships, by whomever generated or received, including without limitation: writings; printings; drawings; graphs; charts;.notes; typewriting,. photographs; slides; motion pictures; videotapes or cassettes;. phonograph records; tape or other mechanical recordings; ledgers; books; statements of accounts; journals;. notices; betters; catalogs; canceled cheeks; bank statements; invoices; bills; diaries; purchase. orders; memoranda of telephone communications; telegrams; telexes. or "TWX's"; telecopes; drafts or preliminary versions of the foregoing; communications to ar from. any governmental or law enforcement subdivision, officer,. or agency; and any other instrument, writing, recording, or data compilation of any nature whatsoever, including any carbon, photographic, microfilm or other type of eopyof such items, whether or not. such. copy is different from. the original by reason. of any markings, additions, commentaries, revisions, deletions, or substitutions,. M. "Communication" shall include, bui is not limited to, any oral communications, correspondence, memoranda, reports, records andlnr recordings of telephone calls and reports of meetings. N. "Person" means an individual., corporation, trust,. partnership, incorporated or unincorporated association, or any other .legal entity, Instructions Regarding Requests for Admissions Pursuant to Pa.R.C.P. IUQ. 4014, you are requested to admit the truth of each of the matters stated below. Tau are to respond to each of the following requests within thirty days after service, by delivering ar causing to be delivered to the undersigned attorney a statement admitting. or denying specifically? in good faith, each ,matter of which an admission is requested, ar stating in detail the reason(s) you cannot truthfully admit ar deny the matter, Yaur response must be in writing rind verified. Please note that if after you submit your,responses to these requests for admissions, you learn that any such response was either incomplete when. made, or, although c©mplete and correct when. made, is no longer complete and. correct, you must amend: or supplement. your response reasonably promptly after you discover the necessity for such an amendment ar supplementation.. Plaintiff will object at trial ar any hearing to your use ar attempted use of any evidence that is. inconsistent with matters that you have admitted or that you have failed to deny on a timely basis. :REQUESTS F4R ADMISSIQNS 1. Defen ldant applied to Issuer for issuance of the Card. dt ~'U(~~ ~ -f-hjnK t~- ,UCtS sen-~ 2. The Card was issued to .Defendant. ~~';~ 3. "Defendant received the card. ~~~ 4. Defendant. accepted the card. ~5 ~. Defendant signed the back. of the Card. t~ ~~~$ rerne~~-:be~' 6. Defendant. used the Card to make purchases. ~~~ 7. Defendant used the Card to obtain extensions of credit. nD 8. Issuer made cash advances to Defendant,. either as actual cash or in payment for purchases Defendant made from third parties by using the Card. t"1 ~ 9. Defendant accepted each such advance on the Account. C'1 a i Q. By accepting each such advance under the terms of the agreement applicable to the Account, Defendant became bound to pay the amounts of such advances, plus any additional charges provided for in such agreement. ~ ~ 11. Until at least the Charge-Uff date, Issuer ant to Defendant, on a monthly basis, a statement of charges and balance due on the Account. ass~~~.~ qnc~ U~ev~~e~f r~r~ iii 12. Defendant did not, Lr7thin sixty days of the date of any billing statement on the Account, send to :Issuer a written dispute of the billing statement.. C b m rnuni cc~ ~~ c~ ~ i -h ~i l I c ~ Pct ~ }~Q r s c~ n c~ ~-U ~~, ~ Urr~ST~s~~r~s~.,.~i -~`~ ~ ~~'} , l3. Defendant has failed to repay all of the advances made by Issuer on the Account. O ~ d ~rA nC:e $- ~ dons- ~em~rnbe.~'" ~r~~, l4. The -above listed Charge-Off Amount is the correct balance due,. awing, and unpaid on the Account, after allowing all just and lawful payments, credits and offsets, as of the Charge-Off Date. ~ ~ ~ h G~}"" ~f1 Q Ltl ~, }CG2. G ~' ~ ~ ~3 Gi n -, 15. Defendant has made no payments on the Account since the Charge-OfF Date. . Ste.-}-}-!~ r~t~~n'~' ~ rya u. rl-~-~ l5. At least forty-five days before you were served with the Original Complaint in this case you received a letter from Plaintiff's attorneys requesting payment of the Account. ~ts, ~x~-d ~ res o»r1~er~ w~~-r, 3n~~rrna+~c~r~ ~~-~m ~~eec~ ~r,~ I~l~~~ 12eI4e.~' 17. Plaintiff' is presently the owner of the. Account.. ~ ~ ut ~5 ~ C~ ~ tl Ca-~ ~~ C~ l 8. Defendant is indebted to Plaintiff for the amounts asserted in Plaintiff's Original Complaint. in this case. Instructions Regarding Interrogatories Pursuant to Pennsylvania Rule of Civil Procedure Na. 4©O5, you are to answer the attached interrogatories separately, fully, in writing, and under oath. You should deliver a tn-e copy of your answers to the undersigned attorney within thirty days .after the date of service of these interrogatories. To the extent that may be required by the applicable rules of procedure and. evidence you are hereby notified, that Plaintiff intends to use any and all answers to the attached interrogatories as evidence at trial or any other hearing. in this case. Please Hate that if after you submit your responses to these interrogatories, you learn that any such response was either incomplete when made, or, although complete and correct when made,. is no longer complete and correct, you must amend ar supplement your response reasonably promptly after you discover the necessity for such an amendment or supplementation. Any amended or supplemental. response made. less than thirty days before trial will be presumed Hat to have been made reasonably promptly. A failure to make, amend, or supplement a response in a timely manner may result in your Hat being able tv introduce into evidence the material or information not timely disclosed. INTERRt3GAT4RIES l . Identify all persons who participated in the preparation of the answers to these interrogatories. ~ ~ ~ ,, 2. If Defendant denies having received the Card, identify any persons whom Defendant believes .may have received or applied for the Card. 3. Tf Defendant denies having used the Card, identify any persons whom Defendant believes may have used the Card and state whether each such person was authorized'by Defendant to use the Card:. 4. If Defendant denies having. received monthly statements of charges and. the balance due on the account from Issuer until: at least the Charge-C}ff date, state the factual. basis of any such denial. ~ ~ S. If Defendant denies having accept~l each advance on the Card, whether as cash. or as payment for purchases, identify each advance or charge on the Card. that Defendant disputes. ~~ 6. If Defendant. disputes the balance being caught in this rnatter, state the balance that. Defendant believes to have been due on the Account. as of the Charge-Off date and explain how such balance was calculated. ~ 7, if Defendant contends ar believes payments were made towards this account subsequent to the Charge-tiff date that are not reflected in the suit balance, state the date and amount of each .such payment. 8. If Defendant contends or believes the charges comprising the Account are unreasonable then, with. regard to each charge comprising the Account. which Defendant contends ar believes to be unreasonable, state the factual basis for this opinion. N 9. if Defendant contends or believes that the debt that.. is the subject of this suit is the obligation of any person or entity other than Defendant, identify such other persons or entities and state the factual basis for this contention or belief. ~ 1~ 14. If Defendant. contends ar believes Plaintiff iS not the current. owner of this account, state the factual basis far this contention ar belief. ~ ~ ~ ~ ~ ~.-- 11. Identify all persons whom you intend to call as witnesses at trial,. expert ar otherwise,. other than rebuttal or impeaching witnesses the necessity of whose testimony cannot reasonably be anticipated before trial, and, where applicable, state each such person's anticipated testimony and the opinions of each such person concerning the subject matter of this litigation. l2. Identify-all persons whose mental impressions or opinions have been reviewed by arty person whom you. may call as an expert witness at trial. ~'~ Instructions Regarding Requests far Production As to each Request for Production. set forth below, the requested items are to be produced and delivered to the undersigned attorney at 520. Fellowship Road C306, Mount I..aurel, NJ 08054 far inspecting, copying. or photographing pursuant to Pa.R.C.P. 4009.1 et seq.: These requests apply to all described documents and tangible things aver which Defendant. has possession, custody, or control, and production is to be ranade within thirty-five days after the date of service afthese requests. 11.11. original documents produced and identified as such shall be returned. to 1efendant within thirty days :fallowing receipt thereof. Privileged Documents: Ifyou withhold any daciunents based. upon a claim of privilege you are to provide a log of such documents, listing them by date, title (or description if untitled), author, and the specific privilege asserted. Lost,. Discarded,ar Destroyed Documents: If any document requested herein has been lost, discarded, ar destroyed, please identify such document by providing the fallowing information in your response: 1. Description of document; 2. Date of disposal ar 1ass; 3. 11+fanner of loss; 4. Reason far disposal or explanation of loss; S. .Person authorizing disposal; b. Persons having knowledge of disposal or .loss; 7. Person disposing of document, Authentication and Use at Hearings and Trial: Yau are hereby notified that all documents produced in response to -this request will be used in any pretrial proceeding and at trial. REQUESTS FOR PRQDUCT[4N 1. Please produce all correspondence between Issuer and Defendant, along with proof of sending and receipt of such, including, but not limited to, the following: a. Credit card statements; b. Balance disputes or individual transaction disputes; ~ ~'` c. Customer service correspondence; d. Post-Charge-Offcorrespondence. ~. Please produce Defendant's checking accoun# records for the six month period. beginning four months prior to the Last Pay Date and ending fine month after the I.,ast Pay Date. 3. Please produce true copies of all paymentsmade on the Account. h~' ~~'" ~h ~'~ ~" ta-- 4. If Defendant contends or believes that the debt that is the subject of this suit is the obligation of any person or entity other than Defendant, please produce the documents can which. any such contention or belief is based. ~~~ 5. With regard to each person. you may call as a witness at trial, expert or otherwise, please produce the following: a. T'he person's resume or curriculum vitae; b. Any notes reviewed by or pertaining to an expert's. opinion; ~ ~ ~} c. .Any reports reviewed by or pertaining to an expert's opinion; d. All documents and materials reviewed or relied upon by any :such person or expert in preparing, any such report; e. All correspondence between you or your attorneys and each such person or exert. 5. Please produce all correspondence between .Plaintiff (or any of its attorneys) and Defendant {or any of Defendant's attorneys). 7. Please produce all witness statements pertaining to this litigation. ~ -~ ~, ~ ~~ ~~u~. any ~ ~h~ ~ ~~-~,~~ ~.- -~h ~'~n~ . YOUR DISCOVER` CARD ACCOUNT CARDMEMBER AGREEMENT ............................Pages 1-13 The terms and conditions of your Account, incuding how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right b re/ect the arbibation provision with respect b your new Acoount within 30 days after receiving your Card, as explained in the i2ight b Reject A-bibation"section at page 12. PRNACY POLICY ...............................................Pages 13-16 A summary of the personal information we collect, when it may be shared with others and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in secbior- 4 of the Privacy Policy at page 15. BIWNG RIGHTS ................................................Pages 1+'17 Important information about your rights and our responsibilities under the Fair Credit Billing AcL 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 La provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE .............................Page 2g The terms and conditions of this free travel assistance benefd. 02009 Discover Bank, Member FDIC TL21 A.0509 CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discover Card Account. h contains the lamas and conditlona of your Aaount, some of wh~h may have changed from eariier materials provided to you. In the event of any differences, this Agreement shall conbol. We respect your privacy. Seethe Privacy section on page 9 and our Privacy Policy for addimonal irsformadon. The Arbitration of Disputes section on page 11 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject ArbiVation section on page 12 describes the procedure you must follow N you desire to reject the Arbitratlon of Disputes section. DEFINITIONS y USING YOUR ACCOUNT p YaurAoceptarsoe of this Agreement .......................................................... 2 Penn~ted Uses of YourAccalrl ................................................................. 2 Prohibited Uses of Your Aooosrit ................................................................ 3 Purdtases and Cash Aduarsces in Foreigrs Cartersaes .............................. 3 Cash Advances ............................................................................................. 3 Balance Transfers ....................................................................................... 3 Credit AuCsoriza6ons ................................................................................... 3 Aulhaized Users ........................................................................................ 3 Unauthorized Use ....................................................................................... 3 YourCredd Lises ........................................................................................ 4 MAKING PAYMENTS ........................................................................................ 4 Pranise to Pay ............................................................................................ 4 Masthy Bilfrsg Statement ........................................................................... 4 Mordhy Payment Options ........................................................................... 4 Automatic Biing Artarsgensents .................................................................. 5 How WleApply Paymenis ............................................................................. 5 Mininrm Marsthy Payment ........................................................................ 5 SIdp~A~Paymerst Offers ............................................................................... 5 Credl Balanoes ........................................................................................... 5 FINANCE CHARGES .......................................................................................... 5 How VYt: Cakxrlate PeriorJic France Charges .............................................. 5 How Vlk Cak:ulale Your Balances .............................................................. 6 Variable or Foced Interest Rates ................................................................. 7 Default Rate ................................................................................................ 7 Cash Advance Trdrssadion Fee Fusanoe Ctsarges ..................................... 7 Balance Transfer Transaction Fee France Charges ................................. 8 Foreigrs Cunerscy Trarsaction Fee Finarsce Charges .................................. 8 Minirnm Fisartce Char9e .......................................................................... 8 FEES .................................................................................................................. 8 Arcsual Fee .................................................................................................... 8 Late Fee ...................................................................................................... B Overtimit Fee ................................................................................................. 8 Returned Payment Fee ............................................................................. .. 8 Retumed Discover Card Check Fee .......................................................... . 9 Pay-By-Ptraie Fee .................................................................................... ... 9 Research Fee ............................................................................................ . 9 DEFAULTAND CANCELLATION .................................................................... . 9 Types of Defaui ......................................................................................... ... 9 ~ of Defaui .......................................................................... . 9 Cancektion .................................................................................................. 9 PRNACYAND OUR COMMUNICATIONS VUfTH YOU .................................. ... 9 Our Privacy PoticY ...................................................................................... ... 9 Reporting to Credd Repatirg Agerx9es .................................................... . 9 Our Carmknications with You ................................................................. 10 Rel~sng nfonnation About Your Account .............................................. 10 Electronic Notices to You .......................................................................... 10 Notices - Changes to Your lrkforrrration .................................................... 10 CLAMS AND DISPUTES ................................................................................ .10 Merdunt Disputes ..................................................................................... .10 Chain Notices ............................................................................................. .10 Arbitration of ................................................................................. 11 RigMto ReledN6itakiai ........................................................................... 12 LEGAL INTERPRETATION OF THIS AGREEMENT ....................................... 13 Setrerat>iFly ................................................................................................. 13 Compiance vkritir iderest Rate Linn'lotions .................................................. 13 Governing Law ............................................................................................ 13 ASSIGNMENT OF ACCOUNT .......................................................................... 13 CHANGES TO THIS AGREEAiENT ................................................................. 13 DEFINITIONS "Account" means your D Card Account. "Authorized User" means any person whan you aulhar¢e 1o use yourAcaount a a Card, whether you ratify us a not. "Card" means any one a rrnxe Discover Cards issued to you a someone else with your autiar¢ation. "Pricing Schedule" means the docrsrrerkt aocarpanying your Card and lisfng the France Charge rates that apply to your Account. The Pridng Sctredrrle is part of this Agreenterd. "We," "us"and "out' referto Discover Bank, the issuer d your Discover Card. "You; ~ "your" a "yours" refer io, in addtion to you, the Cardmerrkber, any other person a persons who are also oak6acualy liable order this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement The use of your Account or a Card by you a ~ Authorved User, a you faiure to cxnoel your Akxxxrnt withn 30 days after reoeivirkg a Card, means you accept this Agnee•ssrkent, ixiudurg the Art~ation of Disputes section on page 11. You may, however, reject the Arbitration of Disputes section as e,~lained on page 12. Permitted Uses of Your Account YourAcoount may be used for. Purchases - to purkiiase a lease goods a services from par-t9 merctiants by presentng yow Card a Aoc~unt nurrrber a by usng ixonational d~edcs, whici~ we may tunLsh to you, n accordance with such addtonal terms and oonc6tiorks as we may offer from tine to tine. Cash Advarxes - to obtan ~ advarn~s from participetikg automated teier machnes, fnancal institirtbrks a ocher kxations, the pcrrhase of bttery tidcefs, racetrack wagers, votnirers redeemable far cash a fa casno chips, money orders, travelers checks, savigs bonds, foregn cvmerkcy and vie transfers, a by means of d~edcs which we may famish to you, ai n accordance wih such additional temrs and conditions ~ uve may offer from tine to tune, Bakmce Transfers - to transfer balances frcrn other aed'dars a to make other transactions by means of balance transfer coupons a checks, n accordance wih such akidAional thnrks and conditions as we may offer from tine th tine. In addition, your Aoceunt may be used in guarantee reservations at P-P~g estabtishmerds. You wit be tiabie for guaranteed reservations that are not kxncelled prior to the tine specified by the establishment. YaurAccount may be used far personal, famiy, household and charitable purposes. Prohibited Uses of Your Account YeurAccarnt may not be used to otrtan loans to purkirase, cary a trade in securities, to pay arty amaxd you owe urnierthis Agrce-ment a fa any transadiorx; brat are unlauvful where you reside a where you are physic~ly located when you use the Account ~ ikitiate the transaction ('Prohibied rrarrsactions'. Purchases and Cash Advanta3s in Foreign Concretes. N you make a pkrrkhase a kxsh advance n a foreign kaxrency, i wit be converted to U.S. dchars long either a govemmerrt~rrkarxiated rah, a goverrvrrent-punished rah a the ir6erbank exciange rate, depen&rg on the oourdry and amency h which the transaction is made. The rate used vii be the rate n effect an the conversion klafe fa the transaction, which may be dti'erent than the Transaction Date as shown an your statement. illk charge a Foreign Curency Transaction Fee Fnarxke Charge 1'or each purtthase made n a foreign anency as described n the Foreign Curterny Transaction Fee Finaroe Charges sector an page 8. Cash Advances. iAre may periodik~lly offer you special rates on cash advances for the tine period spec~ied n the offs, sut~ject to the Defaui Rate section. The offer may cordain a Cash Advance Transaction Fee France Charge fa each rastk advance. After the e~iration of the specal rate, the standard Annual Percentage Rate for k:ash advances uric apply. Balance Trarnsfers. IAIemay periodN;aiyofferyouthe oppa-tartly to make balarxe transfers from other kxe~tors a th rrrake other transactions to yar Accokxd by means of tralanoe transfer coupons a checks. Each offerwii contain an nfial specal rate, which wit be the Annual Percentage Rate that urkl apply to transferted balances fa the tine period spedtied n the offer, subject to the Defaui Rate sectiak and may contain a Balance Transfer Transacion Fee France Charge for each behanoe transfer made during the term of the offer, as dnrcbsed n the offer and as set forth ik the Pricig Schedule, if applicable. After the expiatiar of this tine period, the Amual Percentage Rate that applies fa purchases w~ apply io Utarks-fened balances. Balance trarndiers sutrject to the niial speaai rate are referred b ass specal late balance transfers; balance transfers for wfrch the nod special rate has expired are referred b ~ purchase rate balance transfers. Each oBerwiY contain an expiation date. ft you attempt b transfer balaraes by means d a dtedc after the expiation date, we wit treat the tansaction as a cash advarae. Vlk w6 not mdse balance transfers afterrrpted by means d a coupon afbr the expiration date. Credit Authorizaflons. Certain transactions wit requee our autiar¢atbn prior b completion. n some rises, you may be asked to provide identification. We have the right rat b autharae a trarrsad'an for seariy a ocher reasons. Also, t our aufUar¢atiori system is not working, we may not be able b autiiorize a transaction. VWe w6 not be liable b you ft any dthese events happen. Authorized Users. ff you want b cancel the au7ady d a axrent Authormad User b irse yourAocart ar a Card, you mist rattly us and destroy any Card n that person's possession. You cen nofyy us by telephoning 1~800-0ISCOVER (1-804347 2683), or by wrung Discover Card, PO Bwc 30943, Sai Lake Ciy, UT 841340943. None dyaur rights order the Agreement (other tl~n to pay amoirrits awed) may be exercised by arty person nil a party b this Agreement acting pursuant b a power d ,, wihout our sepaahe vi~fteri agreement (whidi we are not obYgated b give). Unauthorized Use. Prior b fts use, each Card must be sued by the person to whom i is issued. ff a Card is lost or stolen, or if you think that someone is usng your Account or a Card without your pennissbn, notiy us nxriectdey. Yau can ridiy us by telephoning 1.800-DISCOVER (1043472683), or by writing Discover' Card, PO Box 30943, Salt Lake Cfty, UT 84130-0943. Yar agree b assist us n determining the fads relating b any theft ar possible unaufhar®ed use d your Account c a Card and b canpy wih such procedures as we may roquie n connection wih our invest-klation. Your Credit Lines. VVe wit advise you d your Accaxit aedi ~. VNe may n-pose a (ewer Ina that w8 appy b cesh advances, referred b as the cash advaioe aedt Ina.lrVe may also iripose a lower Ina that w0 appy b balance traisfers, refened b ~ the balance transfer aedi foe. Yau agree not b albw yore unpaid balarae, ndudng Fiiarae Charges and fees, b exceed yourAcooieit aedd Yne. ff you exceed your Account aedi Ina, we may request nniedide peyrrient tithe amount by whidi you exceed yourAccouit cacti fro. VVe may ixrease or decease yourAcaount aedi Fie, your cash advance cedit Ina or your balance transfer aedi Ina wifaut notice. The cectil available iic your use may, from tine b tine, be less than your Accamt credit he. For purposes d determning yaiu avaiable aedt, we reserve the right b postpone for up b 15 busiiegs days redudrg your unpaid bdaaes by the anaunt d arty payment Drat we receive. Your available cedt w0 not be iiaeased by the amount d any exedit balance. MAiaNG PAYMENTS Promise b Pay. Yau agree b pay us n U.S. dollars fc all puntheses, cesh advances and balance transfers ndudmg appficeble France Charges and other charges a fees, ixxxred by you c anyone you aulFar¢e a penni b use your Aocourit or a Card, even i you do not notify us that others are using yourAccaint or a Card. ft you pay us n other than U.S. dollars, we may refuse b accept the payment a diage yourAccaint our cost b convert your payment b U.S.dollars. AY diecks must be drawn on furxis an deposit n the U.S. You may not use a cash advance check, Balance transfru d'iedc or coupon, ar any other promotional Bieck drawn on any Discover Bank aedi cad aocamt to make payments on your Account. ff your Account ~ a jolt Account, each d you agrees to be liable indnri~aiy arxt jontiy for the entire amount owed on yourAccaint. We can accept late payments or partial payments or checks and money orders marked "payment in fulP or with any other reshictlve endoreement wfthout being any of our rights under this Agreement. Monthy Billing Statement. We wit send you a bung staterrierit after each monthy biilig paiod n which you have a debt ar aectit balance, rzriess we waive oir right b do so as permikd by law. The biTng daternent wit show all purchases, cash advances, Balance transfers, France Charges and other diargea c fees and aY payments or ocher aedis posted b yaurAocazt during Oie biting period. ft vii show your Now Balance, Payment Due Date and Mniriurn Payment Due as d the end d the bang period' ff your pric month's payment ~ rehrmed unpaid, your requied Mninum Payment Due may be higher than shown on ycxu bong statement See the Minimum Monhy Payment section on page 5. Morthy Payment Options. You may d any tine pay the entie New Balance shown on your biYiny shabment, but each month you must pay d I~ the Mminrxri Payment Due as desabed ii the Miii7xim Monthy Payment section. All payments must be made n accadaioe wih the terms, n9 the payment aibff tine, stated on you niortftp i>iYriy statement, and we vii aedt your Accost n aocordanoe wih those teens. th addition, we reserve Cie right b change those terms wilaut pric notice as permibd bylaw. Automatic Billing Arrangements. ff your Account number aridre Card expiation date charges and our records indkxte you have automatic bung estd with a merchant, we wit atlernpt b provide you new Aooourit itamialiori to that merctiait. To ensure unntemipted bilhg, we reoorrurierid that you venTy the merdtarit has you newAccaint itamatiori. You must contact the rriactiant directly f you do nil wish b oontirxie the au6omatic biing arrangerrient How We Apply Payments. VVe vnli appy payments and cxedis b the New Balance shown on your currExit biYng stathrrient n order d the Arnud Percentage Rate appr~cable b the balance d each transaction category (~ refer~ericed n the Fnarae Charges section), generaYy Fran bui~,st b highest tiegixing vinlh the balance subject b the lowest Amual Per-cartage Rate. Nk then appy payments and cediLg b cry new transactions using tide same metiad. However, we have the right b appy payments and aedis b balances wYh higherAmual Penoertage Rates prior b balarioes wih kiwerArmuai Percentage Rates, such as when there are two niid specal rates applicable b your Account and the kiwerAnnual Peroentage Rate wit expire before the higtterArrwal Percentage Rate. Minimum Monthly Payment. The Mninxxri Payment Due each riraith vwiY be the grater d: • tine New Balance if i is less than $15; • $15 if the New Balance is $15 or more; or • any pest due amount plus the greater of 2% d the New Balance (exduding grrent Periodic Friarice Charges, Late and Overlimi Fees) rounded up b the nearest doYar or cxurert Periodic Fiianoe Charges plus Late and Overfmi Fees plus $15 (nal b exceed 396 d the New Balaioe) rounded up to the newest doYar. Illfe rrra~r also ixiide same or all the arratnt by whidt you exceed yourAccairt aedt Yne. ff more thai 9096 d your New Balaice consists d spec~4rate balance transfers, we may, d our disaetiori, ncease your Miiirrwm Payment Due b a maidmum d 4% d the New Balarice't ft world otherwise be less than that Vue may subtract carton fees b calailath the Mni-arum Payrrrerrt Due. The NCriinum Payment Due wit never exceed the New Balance. Payng the Mnirxxri Payment Due may be iisulficierit b brig your Account t>aiirice below yourAocarit cer&t Ire and, consequently, may not avoid the inposiion d an addiiond OverNmft Fee desaibed'n the OvedinY Fee section. Skip~4-Payment Offers. We may from tine to tine aYow you b rat make a mnnMUn monlhy payrr~rrt and wit rptdy you wft~ ttris option 's avaYable. M you take advarrtage of the offer and do nil make a miiirium monaiy payment, trance charges and any appYceble fees wiY aaxue on your Acoart n aocadaioe wih this Agreement and you must pay the Mnitxim Payrtiait Due for the bYawing bting periods. Credit Balances. Wre will refund any cedt balance within seven busiiess days from receipt d your wntten request. M you do not request a refund, we wiY arto~naticaYy refund cacti balances greater than $1 that remain n your Account after 6 months. FlNANCE CHARGES How We Calculate Periodic Finance Charges. trlfe begs b impose Perioctc France Charges on all transactions from the Transaction Date for the lrarisadiori as shown on your biY'rtg statement, unless a transaction is posted b yourAccoixt after the dose d the biting period n ruhidi Y ocaas, n which case we tiegii b impose Periodk: Fiiaice Chagas an that transaction from the fret day d the biting period'n ft is posted b your Account VYe coritiiue to ii~ose Periodic Fiiaice Charges until the tide you pay yore erica New Balance, by malting payments or receivig aediLs. However, if you paid the New Balaice on you previars biYirrg statement by the Payment Due Date shown on that bSig statement and you pay the New Balaxre by the Payment Due Date on your current biting statement, we wi not impose Periodic Fnarrce Charges an new purchases, that is, Purchases frst appeamg on the arrest tiling statement We call this the'grace period "There is no grace Period on tra{arrce trar>sfers or cesh advances. Wte sort yar transac#icrs Ho groups of Purchases, cash advances, and balance transfers and then further sort the transactiars withn eadr group by theFAnrxral Percentage Rafe. Far exarrrple, purdhases subject b a promotional rake and purchases subject b a starrriard rate would be separate groups. We refer b these groups as transaction categories. At the end of eactr bring period, we carrprle balances and Periodic Finaroe Chagas for each day of the burg period for each transaction category. Wie use the folowing equation b compute Periodic Firarae Charges for each transaction category: (Average Daffy Balance) tames (days n tiling Period) times (Doty Periods hate). (You may refer b the tirramce charge summary on yore Ming stalemerrt for these arrrourrts.) Then we add up the Periodic Finance Charges for each transaction category b get the total Periods France Charges for yar Accarnd. The Average Daffy Balance is shown as zero if, because of the grace period, rb Periodic FranceCharges appy tothebalance it a traans-action category. How We Cakulak Your Balances. Wf° use the Average gaiy Bak~noe (nchid'ng rrew trarrsactiors) rtrdFrod of calarkbng the balarroe upon which we irrpcee Periods France Charges. Wle compute the Average Daly Balance for each transaction category by adding up all the daffy balances n a Ming period for a transaction category and dividrrg the blot by the rrurrber of days n the brlfhg period. Wie compute the daffy bafarae far each trarsacdion category an each day by fret addig the foiowirg b the previous days daffy balaroe: transactions wih a Transaction Dale of that day as shown an your Ming statement, unless the transaction is posted b yar Account alkrthe dose of the biting period it whidr d oxus, n which case the transaction wi be added b the daffy baharxx; as of the fast day of the Ming period's whidr i is posted b yar Aocaxrt, fees d>arged that day and Periodic Finance Charges aoar~ed an the previous days daffy balance; acrd by ti>!xr subtracting any cedits and payments that are applied against the balance of the transaction c~egary on that day. n calalakarg the daffy balance far the frst day of the bilfng period, we consider the "previous days daffy balance' to have been yar balaroe for eactr transaction cakegay an the last day of your previous bilfng period. Ai fees charged b your Aooarrt are added b the standard purdrase trams-action category wih the exception of Cash Advance Trar>SacUon Fee France Charges which are added to the appiCa6le cash advance trans-aGion category and Balance Transfer Transaction Fce Fararrce Charges whidr are added b the applk~ble i~alarrce transfer tn~nsaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges b the standard purdrase transaction cwkegory. However, iFthe specal rate has been temnnated under the Defaut hate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges n the appiceble balance transfer transaction category until the sped role would have expaed. Variable or Fixed Interest Rotas. The Daily Periods Rate and oarespaxiirg Annual Peroentage bate that apply b each transaction cahegay are ether foced rates or variable rates as set forth it your Pridrrg Sdieduk or n any specdal offers ya receive from us. The Daffy Periods Rate's 1i3651h of the canespard'ng Arowal Percentage Rate. Variable Annual Percentage Rates are dekr{rrned by adding a spedfied number of percentage poaris bthe Prase Rake. This 's shown on the Prictng Sdteduk as'Prane + (per~enlage points).' For purposes of thLs Ag-eernent, the Prarre Rate is the highest rate of merest fisted as the `prime rate' n the Money Rakes sectiar of The Wai Street Joumaf on the past busiress day of the mordh. The Prrrre Rake is money a pridng irdex and does sal represent the lowest ar best interest rate available b a borrower at any bank at any given time. H you have a variable rate, your Amual Percentage Rate will irc~se or decease when the Prarre Hate dranges. This change wit be effective begimarg wRh the fast day of the burg period that begins during the same month as the drange h the Prime Rate. An ircease n the Amual Percentage Rath may increase yar Mninrbn Payment Due. Default Rate. F_actr time you do not make a required paymrenl on tine or each tine yai exceed yar Account aedt Ise twice n a lweNe month period {each, a "Defaua Rate EvenY), we may irxxease the standard Amuai Percentage Rados for purdhases, balance transfers and cash advances b a variable rate equal b the Prime Rate + up b 27.99%, but such rake wi never exceed 29.9936 (the "Default Rate'). At the same tine, any spedal rates on purdrases, balance transfers a cash advarxx3s wrlf end and the Default Rate may appy. The mabmum Defauk Rode which would amentiy apply Ls set forth n yar Pricirg Sdteduk. VVe wit base your Defauk Rate on factors such as: •yar cement APRs • yar payment history with us • yar general aedl history Arty iraeased rob wit appy beghnig wih the fist day of the biting period n whidr () we did not receive at least the Mirinum Payment Due by the Payment Due Date or (i) ya acceeded your Aocormt aedi fine for the second time n a tweHe north period. ff your standard Anrx~ Pencxrntage Rate fa prxctrases was ara~eased under this or arty previous version of the Default Bale section and, fa any Hare cortseartive Ming periods thereaRer arx~ther Defa-rk Rate Event does not ocxr, then yourArrwal Penxntage Role far yar new purd~es wit be reeduced b a lesser variable rate which may be higher than your previous standard Annual Percentage Rate br purchases and yourAmual Percentage Rate for yar existing prrchase balance may be reduced b a lesser variable rye which may be higher than yar previous starxiad Amual Percentage Rate for purchases. Any reduced Annual Percentage Rates on new and existing prxdreses may be difer~art and wit appy begirvrng wih the fast day of your tenth biting period. However, i a Default Rob Event ocars n the tenth bilfng period, a Defaut; Rate wi appy. Cash Advance Transaction Fee Finance Charges. Unless otherwke spedfied n a cash advance afkr, we wit drarge you a Cash Advance Transaction Fee FlNANCE CHARGE of 3% of the amount of ~ new rasfr advance with a nmarnxrr Cash Advance Transaction Fee FlNANCE CHARGE of ~5 and no maxi-rrrxn. The imposition of Cash Advance Transaction Fee Finance Charges may resuk n an Anrwal Percentage bate for cash advances that is frigherthan the ramiral Anrxral Percentage Rate. AI forms of coati advances, iakrcfr>g the use of Discover Card ctrects,regardless of the purpose for whidr used, are sut~ect b Cash Advance Trar>sactiorr Fee Fararxx3 Charges. To obtain the total Frrance Charge on cash advances fa each bifrg period, we add any Cash Advarx~ Transaction Fee Frrance Charges for the Ming period drarged under this section b any Periods Fnarx~ Charges cxlalated under the Periods Firarae Charges section for each ~ advance transaction category and add up these arauMs. Balance Transfer Transaction Fee Finance Charges. M the balarwe transfer offer ya receive cartrdirs a B~arxx; Transfer Transaction Fee Finanoe Charge, we wit doge you a Bal~ce Transfer Transaction Fee Firarx~e Charge for the amount of each transfer made under that offer. ti thae Ls a Balance Trasfer Transaction Fee Praise Charge n canjurction wih the offer ya received when you appied far an Aocaxrt, i wi be n the amount set font n the Pridng Sd>edule. The imposition of Balance Transfer Transaction Fee Firaae Charges may result in an Annual Percentage Rob far balance transfers that is higher than the nomriral Annual Percentage Rake. To obtain the blot Firanoe Charge on balance transfers for each bring period, we add any Balance Trans#x Trans-action Foe Fitarroe Charges calal~d urxier the Periods France Charges sedan for each balance trar>sfertrans-action category and add up these amourds. Foreign Currency Transaction Fee Flnarrce Charges. Vue wit you a Foreign Currency Transaction Fee FlNANCE CHARGE of 2% of the U.S. doNar amount of each prndrase made n a foreign arrency. The impostion of Foreign Cumency Transactor Fce France Charges may resuk n at Annual Percentage Rork for purdrases that is higiter than the ramhal Annual Percentage Rate. To obtain the told Faraxe Charge on purd>ases for each lMfrrg period, we add any Foreign Cunenq Transaction Fee France Charges for the Ming period drarged urxkr this section b arty Periods Frrance Charges calcrlakd under the Periods France Charges section for each purct>ase transaction caegory and add up these anaunts. Minimum Finance Charge. W~ wit drarge you a minimum FlNANCE CHARGE of 5.50 for any biting period's whidr Periods Fiance Charges of less than a•50 would otherwise be . FEES Annual Fee. ff yar Pridng Sdredule acc~paryng your Card ircirdes ~ Annual Fee, we wit ctrarge you an Annual Fce n the amount indicated. Wle wit d>arge you this tie when we open your Accernt and at the begivrng of each amiversary year yarAoaurt ~ open. The Annual Fee is not refundable, except as provided by law. Late Fee. W'e wit drarge you a Late Fce f you have failed, as of the Payment Due Dale, to make the Mnnrum Payment Due that was requred to be paid for that biting period. The amount of the Lake Fee Ls based an the cirri of al outstandng pirdrases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the bung period farwhich we did not receive tineh payment. N the sum is $250 a less, the fee b $19; d lt is greater than $250, the fee is $~. Overiimk Fee. YUe veil diarge ya, ~ overinit Fee each tine that, as of the dose of a bang period, Your outstandng Account balance exceeds yourAaxxxit cxedi Ire. This fee may be drarged even 'if the traruadion which paces you to exceed yourAcoarit Credk ire is aiNroriaed by us a lt you exceed yourAocourt aedk fine due fA the posing of France Charges a fees to yeurAccount. The amount of the Overfimlt Fee is based an the sum of al outstandng pudrases, psh advarces, balance transfers, other , other fees and France Charges at the end of the bring period. ff the sum is equal to a less than $500 and you exceed your aedlt Ire, the Overiimi Fee a $15. lt the sum 's greater than $500 and you exceed your cxedi Ire, the Overtirrt Fee is $39. Returned Payment Fee. Wb wi drarge you a Rehxned Payrtent Fee of $35 each time you pay us wih a dvedc a other nstrument that is retirned utpaid.This fee vril also apply i a debit transaction to a deposlt acaorrrt Fran which you have authorised us ri vvrltirg, eledronkaly a only to periodxxlh deduct al a a part of an amamt you owe us under this Agreerriert is retrxned unpaid. VVe wits dtarge you thtr fee the first time any payment is retrrnad unpaid, even lt is paid upon resubmission. Returned Discover Card Check Fee. VVe wit drarge you a Returned Discover Card Check Fee of $35 each time we ded'ne to taro a Discover Card cash advance dreck, balance trarufer check, prorrational purdrase ctreck, a other promotional deck. Pay-By-Phone Fee. VVe may from time to time how you to make payments by authormng us over the telephone to transfer a pay firxls from a deposi accoirrt to yaurAocount. tllle wit dtarge a Pay- f3y-Phone Fee of $10 for each such trarufer a payment. Research Fee. Wte may diarge you a Researdi Fee of $5 fa each copy of a bilirig statement a sales slip that you request. Flovvever, we wit not charge a fee lt Yau request copies n caxrecclion with a btiiig emx. DEFAULT AND CANCELLATION Types of Dethult You are n default y you became nsohrerrt; i you file a banknrptry petian a have one fled against You; iTwe have a reasaiade belief that you are usable a unwilfrry th repay yorr oblgatioru to us; if you are declared iricarnpeterrt by a court a i a tout appoiits a guardian fa you a a conservator fa your assets; f You die; i you tai to oomph wih the terms of this Agreerrrent, indudng fairig th make a requred payment when due, exceeding yourAocaunt credi Irie a using your Card aAaoint for a Prohnited Traruadiori; a i you fors th make a requred payment when due on any other aooorxrt you have with us. Consequences of Default ff you are h default, we riay declare the entire balance of yaurAcxxxmt nrneciately due and payable wihout notice. ff we refer the oolection of yourAccoirrt th an attorney a empty an attorney to represent us with regard to reoouery of money that you owe us, we may charge You reasonable attorneys' fees and cart a other oolection costs as perrr~ted bylaw and as adualy i>cured by us, indudr,g fees and costs noon-rrection wih any appal. Nk may delay enforcng a not enioree any of our ruts under ths Agreement wihad kung a waivng arty of them. Cancellation. You may prvcel yourAccouit by notifying us n wrung a by telephone and rehrreng a destroying every Card and unused dvedc that we have provided yam. You can notiy us by telephoning 1.800-DISCOVER (1-800347-2683), a by wrikg Discarer Card, PO Bmc 30943, Salt Lake Cily, UT 84130-0943.Of carse, You wit stil be responsible to pay any anaunt you owe us aooording to the terms of this Agreerrient. lt your Account is a joist Aooamt, either Cartineriber may prx~el the Aocant, but you will both rernari responsible to pay any amarrt owed io us accordirg to the ter-ria of this Agreerr>erd. We may cancel a suspend yourAccount at any time witl~ait notice. Mk may dowse not th renew your Accaur~ (beyond the expiation date shown on the face of a Card) without notice. You must return any Card a unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. VUe may from time to time review you aed'd, empioyrrrent and ncane records. tlll'e rasped the privacy of iifortriation about you and yourAccoixrt. Our Privacy Pdicy nodes a sunrnary of the persorial nfa-rrration we cdkart, when it may be shared with dhers, how wesafe-guard the oanfder~iafty and s~ of nfonnation and the steps you may take to imlt our sharing of such nfartnation wih others. Please read i prefully as lt is pert of your CardtnerriberAgreerient. Reporting to Credit Reporting Agendas. As ndicated h our Privacy Poky, we may repot to credi reporting agenaes and other ae6tors the status and payment history of yourAccoutt, inckx<ng negative cred'd rdarnation. Late payments, missed payments a other defauls on yourAooount may be retleded n you aedlt report. Wre riomialy report b such credit reporting agencies ~ mor>IFi. lt you beleve that our report of yourAcoount status is naoarate a hcomplete, please wise us ~ the tolovNng address: Discover Card, PO Box 15316, Vlliriiighon, DE 196545316. Please ndude your name, address, tame telephone number and Accourt number. Our Communications vvifh You. Our personnel may Gisler to a record telephare plc between you and our represeritatives wihout addltional notice to You as pemiilted by hauv. Wit may use any median, ndudng but not hissed to mai, live telephone cols, automrated telephav: equ~rrierrt, prerecordedtale-phare cats, e.mai and may make calls to your cal pha>e to axdad you about yax Account a offer you products a services that may be of vie to you. lt you prefer not to be cartaded in are a more of these ways, telephone us at 1.800-0ISCOVER (1-804347-2683) awrin to us at Discover Card, PO Box 30961, Salt Lake Ciy, UT 84130-0961. Releasing Irrfomration About Your Account. Wre provide various rie8rods by whirls you can ohtarr nFom>ation about yourAcxxwnt. wh wti any release such ntomiatiai to you, anyAuthor-mad User ttrat our records ndicate is an authorized buyer on yourAecount and any otiier person with you prior permission, n addiion th aspic-vided n our Proracy Poicy a as requied bylaw. par searrityy n~res prrwt nsure aganst unauttar¢ed nqukies. Yau agree that we wit not be respaui>fe fa the release of irfartriatiori to anyone who, even ltwi8>•aut yow aulhor¢ation a permission, has gained possession of a Card a has teamed other iderrtityiig characteristks about you such as your per-coral iden~ation r>Imber, Accamt number a soda) sacristy rxrnber. Electronic Notices fA You. Wle may offer you the opportunity to receive tartan notices from us ele~tronicaly rather than through the nraiG nduding monthly bang state-rrents and drange of terms notices. The semis and wrx5tions for receiviig these electronic carrrriinications wdl be described n the offer. Notices - Changes to Your Irrfonrgtion. d' you change your e~nai address, maihrg address a telephone ntrriber you must notify us of your new address a telephone number wihn 15 days. You can ~ by t~P~n91 ~-~SCOVER (1-804347-2663) a by wrifrg Discover Card, PO Bat 30943, Salt Lake Ciy, UT 84130-0943. If you Acx~orrrt is a ,loid Accord, any ndice wn mai to an address Y'~ have P~ded fa the Aowurl wti serve as rvotioe to both Cardmernbers. CLAIMS AND DISPUTES Merchant Disputes.lNe are not responsible fa the refusal of anyate th aoo~t a hoar a Card a to accept checks that we have provided you. ff a r>erdiant fail to provide your puc;hase to your satisfaction and you request a credd to yourAcoarit, we wit im+estigate the dispute. ff we resolve the dispute n your favor, we w9 issue a aedd to your Account and you wit be deemed th have assigned to us your darn against the merohant andfa arty third party for the aedied amourt. Upon ou request, You agree to provide us wlth written evidence of such aesigrrrient. Claim Notices. In the event that you a we have a darn that arises from a relates to your Aaceu-t, any prier aooarit you had wih us, yocr application, the relationships which result from yourAccaurd a the enforce-abiliy of the Agre~iait a arty prior agreernerit, before initi-acing, jonng or participating n anY judi~l a arbitration prooeedng, as eiher an individual tiigant a rrerrieer of a doss (°Prooeedng'), the camplainng party shat give the other party: (1) a written rv>tiee of the chin ("Clain Noticed at least 15 days before initiatng arty Prooaed'ng, exploring n -~sonable decors the natue of the trim and any sup-pati>0 fads; and (2) a reasarable good forth opparhmigr to resolve the darn wihout the r>eoessity of a Prooeedmg. This ndudes arty claims nvoAring au parent corporation, subsidiaries, aififiates ('vx~ixfing, with-out Imitation, DFS Services LLC), predecessors, successors, assigru, as wet as the officers, dfectors and employees of each of these entities. Any Clain Notice shat be sent to us at Discover Card, PO Box 3024, New Albany, OH 43054 (a such other address as we shall subsequently provide to You) (tire'Chain Notice Address ato you at your address appearing n our records a, l you are represented by counsel, to your attariey at Your attorney's o(fioe. Arbitration of Disputes. Agreement b a-br7rate. r the event of any past, present a future chin a dispute (whether based upon oon6act, thrt, statute, carrion law a equlty) between you and us artsirx~ from a 9 to you Aecarrt, any prior accourit you have had wih us, Your appfic~ion, the relationships which result from yaaAocaxrt a the errfarcea6ihTy a scope of this arbitration provision, of the Agreerrient a of any prior agreernerd, You a we may elect to resolve the claim a dispute by tang arbitration. IF EITHER YOU OR VYE ELECTARBffRATION, NEITHER YOU NOR WE SHALL HAVE TMpE RIGHT TO LITIGATE THAT CLAM IN COURT OR TO HAVE A JURY TRIAL ON TWIT CLAIM. PRE-HEARING DISCOVERY RIGHTS ANDPOST-HEARING APPEAL RIGHTS WILL BE LMfTED. NEITHER YOU NOR WE SHALL BE ENTRLED TO JOIN OR CONSOL~A71:CLAMS IN ARBITRATION BY OR AGAINST OTHER CAiiDpiEMBERS WiTH RESPECT TO O711ERA000UNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATNE OR MF~ER OF A CLASS OR pV A PRNATE ATTORNEY GENERAL CAPACITY ('Class Action Waive. Notwipnstarnding anythhgelse tothecontrary nthis arbitration provision, only a pout, and not an arbitrator, shop dehx-mne the vaC~ily and effect of the Class Action Waiver. Even A all parties have opted to itigate a claim in coot, you a we may elect arbitration with respect to arty chin made try a new party a any new claims later asserted th that lawsup and nothing undertaken therein shall constitute a waiHer of any rights older thls arbitration provision. We wip not inroke our right to arbtrate ~ indnvidual claim you bring n small chins coot a your staff's equivalent court, ff arry, unless such action is irensFened, removed a appealed to a dpfeent court. Governing law and RWes. YourAecourd irwNes interstate rce and this provision shall be governed by the Federal Arbpration Act (FAA). the arbi-Uafion shat be oonduded, at the option of whoeverfiesthe arb~tratiorn claim, by either the Americen Arbitration Association (AAA) a the Natiornal Arb6atiorn Forum (NAF) in accordance with their procedures n effect when the chin is filed. Fa a copy ct thei pooedures, th file a chin afar other infamnation, contact AAA at 335 Mad~san Ave., Floor 10, New Yak, NY 100175905, bpfpl~gm (phone 1-800.778-7879) a NAF at PO Box 50191, Mrrreapois, NM! 55405 (phone 1-800.4742371). No other arbtrretion forum volt be pemMthd, except as agreed th pursuant to eitlter the Charnges to this Agreement sediorn a a wrpig signed by both parties. Unless consented th by all parties, no arbpratan may be ackmistered by army adrrrnistratathat has any formal a infarrral policy, rule apro-oedure that is hcort wfih a purports to ovenide the terms of this section. ff we sled to resolve a claim a dispute by binding arbiraton and the arbpraar issues an award h your favor on a claim a claims with respell to which you would rat othevvise be entpled to rescue' your arbitration fiig, admnnLstratve and hearing fees, reasonable aganeys' fees andla other arbtratiorn costs, we wi be responsble for paying a reimbursing such costs and fees'rf awarded by the arbitrator. Fees and Casts. At your wrfiten request, we wpl advarnce any arbitration fifng, administrative and tnearmg fees whidn you would be requied to pay to pursue a claim a disprte as a result of our electing to arbitrate that chin a dispute. Send requests to Discover Card, PO Box 30421, Sak lake Cpy, l!T 84130-0421. The arbitrator wiN decide who wpl upir>ately be responsale for payig those fees. You wip ony be responsinle fa paying a reirnbusing our arbitration fipng, administrative a hearing fees to the extent you would Crave been responsale for paying'attonneys' fees and cart a other collection costs' had the action proceeded a court. In no evert wit you be required to pay any fees a casts i>curred by us in wnrnection wph an arbitration prooeedeg wtnere such a payment a reimbursement is prohibited by apppcante law. Flearings and Deeisiats. Any arbitration bearing wip take place in the federal jtrctcial district wince you reside. The arbitrate shat fdbw apppcable substantive haw to the extent consistent wph the FAA and appiceble stah~tes of limitations and shat horror claims of privilege reoognmed ~ Maw and shall be anNnoraed to award all remedies permpted by the substantive laws that would apply ithe action was pe>dmg in spurt. ff requested by any paAy, the arbitrator shat wnte an opinion aontaning the reasons fathe award. The arbitra tars dec~on wit be final and bi~irng e~a:ept fa any appal rights under the FAA and except that f the amount n controversy exceeds $100,000, any paAy may appe~ the award within 30days to athree-arbitrator panel, whidn shat relriew the awed da rnrnro.Unless applicable law provides otherwise, the app~feg party wit pay the cost of the appeaG regardless of ifs outcorrne. Hoxrever, wr: w8 consider a good faith array r~sanal>le request for us to hearths fees charged by the arbtration admnistrator and the arbitrators n connectiorn with the appal. Judgrment upon army award by the atx3ata may be enlaced in any oorxt having jutiorn. OUrerBene6aaries of tfnis Provision. Our rights and obligations under this arbitration provision shag Wore to the bernefd of and be bindig upon our parent corporations, subskparies, afitraattes (indudeng, wilfnoiA lineation, DFS Services LLC), predecessors, successors, assigns, as w>;p as the officers, diedas and employees of each of these entities, and vvi abo roue to the bernefd of any thid party named as a codefendant weh us a vveii cry of the foregoing n a chin which is subject to this arbitraton provision. Your rights and obligations under this arbtratorn provision shah Wore th the beiell of and be biideng upon all persons contracfiraily liable under this Agreennerit and all Authorized Users of the Aocaxrt. Survival stirs Provisan. This arbitration provision shapsurvive fermi-nor-flora of yourAccpurt as wetl as vohNtary payrrrent in fuA by you, any legal txa:eed'ngs by us to coped a debt owed by you, any banknipky by you and any sale by us of yourAocowt. to tigject Arbibadon. You may reject the Arbitration of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address: Discover Card, PO Box 30938, SaR Lake City, UT84130-0938. ff you were pnviousty subject th arbitration weh respect th any account weh us, this right to reject arlneratien wpl not appy to you. Your rejection notice must include your name,address, thiepiane rwmber, Accourrt number and signatiire and rnwst mat be sent with any other conesponde-ce. Capig us to indicate that you reject the Arbitration of Disputes section a sendig a rejection notice in a mnarunrx a fonrrat that does mat aanply weh cep applicable requiements b nsufficiernt notice. In ceder to process your notice, we requee that the radios be Provided by You diec8y and not through a thid party. Rejection of arbitra-flora wpl not affect your other rigfrts a respa>sibiq'h'es under this Agreement a your obigatiai to arbitrate disputes uxier arty other account as to which you and we have weed to arbitrate d~,sputes. ff you do nct send a rejection notice, You wiN be obligated by the Arbitration of Disputes sedan with respect th this and any P~ acaormt you have had with us, even f you have previousy sent a rejection notice weh respell th that prig assault. LEGAL INTERPRETATION OF THIS AGREEMENT Severabilfty. ff any part of this Agreement beoorrnes urienforoeable, a w8 not make any other part unenforceable, except that ff the Chris Acton 41Faiver set forth above in the Arbtration of Disputes section is invapdathd ii any proceed'ng n which you and we are iwoAred, then the Arbitration ct Disputes sedan wiM be void weh reaped to that prooeedrrg. Compliance with Interest Rate Limitations. We intend that this Agreennerit vvip cpmply with applicable interest rate Gmealions. You wet not be requied to pay Finance Charges a o8ner dranges at a rate that is greater than then><uotxim amount pemrtied by lauv. ff e is ever finaly deter~rrnirned that, but fa this section, the Fnarice Charges or other drarges under th~ Agreened would exceed the maiurnum lawful anxxxit, the Finance Charges and other charges wtp be reduced to the maximum lawful amount. Any excess amount that you have steady paid wpl be used to reduce the oulstandig balance of your Account a wip be refunded to you by means of a deck a cur disaetan. Governing Law. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law and, th the extent state hw applies, Delaware law. ASSIGNMENT OF ACCOUNT Wie may sell, assign atransfer yow Aapunt aany potion thereof weh-apt notice to you. You may not sap, assign atransfer yourAcwurit witln-out fret obtaining our prig wreten consent. CHANGES TO THIS AGREEMENT We may change any term or part of this Agreement, including, but not limited to, any finance charge rate, fee or method of computing any balance upon which the finance charge rate is assessed or add any new term or part to this Agreement. if required by law we will send you a notice at least 15 days before the change is to become effective. We may apply any such change to the outstanding balance of your Account on the effective date of the change and to new charges made after that date. You may be offered the opportunity to reject some of the changes, and if you do, you must notify us in writing within 15 days after the mailing of the notice of change at the address provided in the notice of change, in whkh case your Account will be closed and you must pay us the balance that you owe us under the existing terms of the uncharged Agreement. Otherwise, you will have agreed to the changes in the notice. Use of your Account after the effective date of the change will be deemed acceptance of the new terms as of such effective date, even iF you pre-viously notified us that you did not agree to the change. We may also change any term of arty product, servce or benefit offered in connection with your Account. We will rrotlfy you as required by law or by the terms of the product, service a benefit PRNACY POLICY We are required by federal law fA provide you with a copy of our Privacy Policy each year. H you have previousy notified us about your privacy preferences, as described in Section 4, it is not necessary to do so again unless you deride to change your preferences. We Respect Your Privacy Our mission's th provide you with scp~erior prodrxts and services, along wih the p~oe of ~ knowig that the security of yorr personal idarrratiorr is our bP priority. We understand yocu wnoen>,s about guardxg irforrrration about you and your Aooocurt W: want th assure you Crest ws have taken steps, and wrl cartnue to take steps, to safeguard that irdonnaCorr. This Privacy Poicy desabes ocu diets to meet these otyedives. h ixtudes a summary of the foNowirg inportarrt intarrraliorr: A listitg of the personal infama#ion we oolect; The ciaurrstarrces n whidi we may share nfonnation with oCters; The ways we safeguard Cie oonfidentiagy and seccxiy of idamation; and The steeps you may take to lint our sharing of such irrfanr~ation with others. See Section 4 for complete detais. Please rid our Privacy Poky ~fmlly. n wiN ~ you understand how we Doled and share infonnatiorr. 1. What Personal Irdortnation Do We Collect? To serve you beithr and manage orr busix~s, C is important that we Doled and mairtair aaxuate personal idonrraCon about you. Wb obtain this irFarmation from applications and other forms you submit to us, iron your deaCmgs wih us and others, from consumer reporting agencies, and from other sources, such as our Web sites. Far example: Wh may obtanr irfarmation such as your name, address and date of biih from applications and other forms you submit th us. Wfr may obtan infarrna6orr such as Account balances, payment history, Your use d your Account and the types of services you prefer from your transactiors and other dealhgs with us and oCxvs. Wre may ot>han idorrrralion such as the balances of you loans with other lenders and your payment history with others from cansrxner reporting agences. We may dhan iifortnation such as your kntemet service provider, Your e~mal address, your computers operating system and Web brevuser, your Web sith use and You product and service preferences firm yore vials to Web sites. 2. Is Pereonal hnformaCon Shared with Ofhere? We frrnit the sharrng of hfonrtation with others. Many of the offers you receive for products and services are provided drectly tp you from us, For example, a ndaler thnt aoxpts the Disoove~' Card may come th us wih a special offer for Candmembers, such as a discount oertlicate or product upgrade. Auer careful corsideraCon of the nature of the offer and the cxxnpany, we wit aeate a lid of Candmerrnbers who may be feenested h the offer based on certhin draraderistics. We wit send the offer dina;tly to those Candmembers on behaC of the n:lader by, far example, indudrng ~ insert in theF mornthly Ming statement ar roaring the offer oursehres. We control the inforrrnation used to make the offer, we do not share the list a any ir-fomnalon about our Candnnennbers with the . Ha+Never, pl~se runderstarnd that if you do receive this type of offer from us and choose to take advantage of i, the nstailer may then I~rn infnrtrnaCorn about you because only Carcfrnerrnbers wtth certain dtaracterisiKx received the offer. There are, however, ciccxnstarnoes in whidn we may shore the intonnation wE Doled about you, as desathed in Section 1, wih other oompernies kr order to provide you with access to pnxiucts and services and to service yourAocount effectivey, as detailed bebw. Wh requie these companies to adhere to our privacy standaris and th use this idortnation only forthe lmied purpose forwhidn i was shared. We do net slow them to dsdose i to oCners wihart aru prior approval. a. SharkrgPersorrallrrlom-ation wr7h OurCo-porate Family Our capaate family offers a variety of procthcts and services that ran help you manage Your finances. In order to provide you vvih access to these products and services, we may share the infarnalan we caved about you, as described in Section 1, with other members of our oorpaa6e famiy. These companies irndude financtal service providers that offer aec5t pn~tection, card senricing and payment processing services. SharingPavsonaf !->formation witlr Non Affffated Pafies for Marketing Porpases Vlie may share the infarrnation we soled about you, as desained rn Section 1, with non~affdiated thid parties, inckrd'ng those that accept the Discover Card, in order to provide you wih access to products and services offered directly by these companies that may be of value to you. These corrrpanies hclude firnarnaal service providers, such ~ insurance oorrpanies, and rnonfirnandal carrnparnies, such as mailers. Sharing Aersonai Irdcvmation with Otlre-s We may share the irfomratiai we collect about you, as descri~ed'n Sedan 1, vuih companies that perform support ar marketing services an our betr~lF, such as rrre~'Ing, rrnarket researctn and d~a pnocessig; other fnarndal isiicrtias with which we have joint marlaetirng agrserrnenfs; ar companies Crest one orr pertrnersfor co-brand crectt card programs a r~eHrard programs. We may also share such nfarrgtiai as p~ted M ~. How Do We Protect the Confidentiality,Security and Integrity of Information atnout Your Wh mairdain physical, electronic and procedural safeguards to protect the inHomnatian we cdlect about you. Aces to such infomnation is restricted b individuals who need it n order to service your Aooarnt or provide products and services to you, and who are trairned'n the proper handlrng of such infarrnaCon. Employees who vale these ~ordider~' r requiert>errts are subject to our disdp6nary process. Where thid parties provide support services, we require them to cornfartn to our privacy standards. C is important that the infonrnatiorn we mairntain about you is accurate and oarrplete. N you see irnfonnalion h your monthly biting sfa6errnents a elsewhere whicti suggests that our nfomration is ncomplete or iracaxate, please write b us at Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943 so that we can update this nfarretion. 4. How Can You Limk Sharing of Information About You? ~ Y'~ PAY ~ oBer You dwioes as b wt>etherwe may share nfamration about you with others. Yau have the option b teq us rat b share the ifomration we oogect abort you, as desarbed it Section 1, with nor>-algrrated tlmd parties, Yau also base the aptiai to tel us rat b share the idanrwtiai we caged about you, as desrnbedn Sedan 1, wqh cortipanies h our eorpora6e fartWy. k you iterate a preference for er~ra d fiese options, please uxiersiarxf fiat you may not receive otters fa prodrxis and services provided by other companies that could help you krwer you ~, m~dmme your fitancial regorxces, armarrage yourtinances. To indkate your preferences, Please call ua at 1.800.225.6202 or write to Discover Card, PO Box 30961, SaR Lake Cky, UT 84130-0961. Hyou have previously notified us about your privacy preferences, ft is not necessary to do so again unless you decide to change your preferences. Your written request should irxiude yore name, address, telephone nrxrrbar and Accant rxxrrber(s) and should not be sent with arty other ~. h orderb process your request, we regale that the request be provided by you diedly and not through a third party. You wig need b provide us wih your preferences far ~ aedk card axourd you have wih us. You may notify us atxxl your preferences at arty tine. You request wig reman n e4fed until you rah7p us otherwise. tNe wit honor your request and not share this iriormatiorr except as pemriked by law. Forexample, federal law pemris us b share nfomr~lion stout you with consrxrrer reporfng agenaes, service providers and fnarxtial iatkutions wifi whah we havejoint marketng agreernenTs. k you are a new Cardnremrbar, we w8 not share any nfannation about you, except as pemuked by law, far thirty days after we provide this Pogcy to you n orderto give you an opportrnky to inform us about you preferences. k you are an existing Carclrrember, plcese understand that you may corrtinue to receive marketirg offers drectiy from other ~ that were aieady n production prior b the prooessirg of your request. This Privaq Policy's provided b the primary Cardmember fisted on the Aooount. However, anyjont Cardmerrfier has the right to notify us about preferences and we wit trot that request as applying to the entire Aooount. VYe do not share idorrrration about fortnrx aubmers, except as pemnlted bf law. This notification super aq previously issued Privacy Pokaes. Mlle reserve the right b amend th's Privacy Ploy from titre to time and we wig ~ you k we do so. This Privagr Polay is provided b you by Discover Bank and ks subsidiaries, which currently ndr,de GTC nsuarae Agenry, nc. and Discover Products lea. Unless otherw'se speafied, i applies b the farrdy of Discover Cards for ccesumers and the products and services offered n cannecGon with those Cards, irdudng the VIFaNet Prderdion card -egistralion service (wih the exception of any information registared n connection wih the service, whah wit not be shared). k is part of you Carclrnember Agreerrrent and provides a furtirer explanation of how we coned and share irformation. You may have other rights urxiar state laws that appy b this nkxmation. Please note that you w8 also receive pmracy notices for other aedrt card accounts you have with us, as well as other fnanaal products and services provided b you by us and ou affiliates. You wig treed b ndicate your preferences for each of these separatey as drsdosed n the notice. Vermont Residerrts - You stath law regales fnanaal ir>stkrfions b obtan you consent prior b sharirg nbmration about you wih others. Except as pemri~d by law, we wit not share irfonrretion we collect about you with nor-aq'diathd third parties a companies n our oorpor~e famiy wless you cal ru at 1~~-0ISCOVER (1~347-Ztr63) arxi authorize us to do so. California Residerda - Yaur ~e law requires fnaraiai hstihifions b obtain your consent prior bsharing iiorimationaboutyou wihran-afitiated third parties. Except as perinited by law, we wit not share idorinatiorr we cdlect about you with naraffiiated thid parties whie you are a resident of Cal'domia. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important nformatbn atxxt your rights and our responsibilities under the Fa'r Credk Birng Ad. 1. Notify Us In Case of F_r-ors or t?rrestions About YourBtil ff you thnk your bit Ls wrong a i you need more nfornation about a transaction on your b8, write us on a separab sheet of paper at the address fated on you bit for Notice of Bifrg Errors. VNite b us as soon ~ possible.lNe must hear from you no haher than 80 days after we sent you the fret b8 on which the error a problem appeared. You can telephone us, but doing so wig not preserve your tights. In your letter, gice us the fdbwig irfamation: • your Warne and Accarrt rxxnbar. • your ddlar amorxrt of the suspected error. desrnbe the enor arrd exphan, fi you can, why you believe there is an error. M you need more itformation, describe the kern you ore rid sure about. ff you have au8arized us b pay you credk card bit autorrreticegy from you savings a checlang account, you can stop the Payment on any amount you thnk is wrong. To stop the payment, your taker must reach us three busness days bebre the automatic payment is schedrtled to occur. 2. Your Rights and Our Responsibilities After We Receive Your Written Notice V4fe must acknowledge your letterwihn 30 days, unless we have cortected the error try then. Vllklmi 90 days, we must eithar oor-ect the ertor ar exphain why we believe the bit was coned. After we receive you taker, we cannot try to o~lect arty amount you question a report you as deCngrxnt. We car cantirwe to bit you brthe anakxrt you question, ndud'ng firrarae and we can apply ar-Y unpaid amount aganst your Account oredi bolt You do mat have b Pay any questioned amaxrt while we are irvestigating, but you are stiq obigated b pay the parts of your big that ore not n question. Ilwe find that we made a mistake an you till, you w8 not have b pay any fnance diarges rebated b arty questiored amorxrt. Mwe didn't make a mistake, you may have b pay the frrarrce charges, and you wit have to make up any rn payments on the questioned amount. n eiti,er case, we wS send you a stakxrrent d the amourt you owe and the date that i is due. H you fat b pay the ariaurrt that we think you owe, we may repot you as delinquent. However, if our explanation does not satisfy you and you wrie us withn ten days tePmg ce that you stiq refuse b pay, we must teq anyone we report you b that you have a question about yarx bit. And, we must tell you the name of arryorre we reported you b. Wf3 must tel anyone we report you b that the matter has been settled between us when i fnally is. Hwe don't blow these rules, we rang collect the fret $50 of the questioned amount, even k your bit was correct. 3. Special Rule for Crea6t CardPurchases M you have a problem with the quality d goods or services that you purchased wih a rxer6t card, and you tried n good faih b correct the problem wih the mercrant, you may have the ~ mat b pay the remanng amount due on the goods ar services. Theme are two initaticns on tha right: (a) you must have made the purctrase n your home state or, if rid withn your home state, wihn 100 miles d your curient mating address; and (b}the Purdiase price must have been more than $50. These limitations do not apply H we own or operate tlne merchant a if we mailed you the advertl3ement for the goods a services. ~. Pwchases Afade wifh Checks a Cash Advances The Speaal Rule fa Credl Card Ptrctnases does not ~ to purctnases made wlh a balance transfer dteck, cash advance a promotional purohase ctnedc. Therefore, i you have a problem with the gkraity d goods a senrioes that you pcrchased with a balance transfer dnedc, praratiorral pcrd~ase dredc, cash advance diedk a the proceeds of a cesh advance, You do net have the right to wlhhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discover'Card-members ere provided wlh 3500,1]00 Sdheduled Air Travel Acctderrt iurrance.' You, you Spouse, Domestic Porter a eNgiele Depen<ierd Chlden for whom a ticlaet was purc>ased err your Card (as detxned below) wlt be au0ortnatigNy insured agaist Accidental Loss of Lie arisng from and ocarrirng on a Covered Trip while you, your Sparrse, Domestic Partrner a eNgble Dependent ChNdrerr for whom a ticket was purchased an your Cad are ridng as a passenger th a entering, exitthg a beiig struck by a Sctneduled Ainxaatt a a oonveyanoe operated by a mllary transport service a rid'ng as a passenger n a errteriny a exlig any oonveyaae Ncensed to cary the publa for a tee and whle traveNng drectly b a cram the aipat irrrrnedn•akely pecedig the depatrue of a Sd~eduled Aicratt on which the inscred Person has purchased passage and inrrrnedately foNo~viig the arrival of a Schedule Aiactt an which the k~sr,red Person was a passenger. `Coverage is undenhuritien by Federal Insurance Company, a rrnrxnber insurer of the Clwbb Group of Insurance Canpanies. Certain lirhitatiorns and exclusions appy. PLAN FEATURES THE BENEFITS: The fuN Benefit Amount (3500,000) is payable fa Aocddental Lass of life. The Loss must ocau within one year of the Accident. NAOJOMUM LIMIT OF INSURANCE: i mere than one thsrred Person srrlFers a Lass h the same Aoddent, the Company wiN not pay rare than the maunurrn Nrrhl of iuurance (320,000,000) per Accdent. i an Acciderd results n Bereft Mounts becanig payable, which when tctaled, exceed the applicable lint of iustuance sfmv+n above, the maodmum tint of instrarnoe wi be derided proportiorraNy among the fissured Persons, based an eadh appNcede Benefit Mount. h the evert of muNiple Aodderntal deaths perAocount arising from any one Acddent, the Canpany's ~y fa aN such lasses wiN be united ~ a ma>arrnum I'rrhl of insurarnce equal to Iwo Ernes the appNcede Benefit Mount fa Loss of Life. Benefits whl be popationaateyy divided among the tnsuxed Persons trp to the maxirarn lint of insuxance. DEFINTIONS: ~~ means a sudden, urdoreseen and unexpected event happenng by ctnance,and includes urhavnidade exposure to elerrsnts arising from a covered Flarard. means boctly injury which is Aacdental, is the d'rect sotuce ct a Loss, Ls irdepadent d ds~se, 6ness a other cause and coons whle this policy is it force. ~ypt means a Card aocaud. pypl rrn~ns the Loss amount at the time the entie cost of the passengerfare is drarged ~ an Account. ~ means the D'hsoover Card. means the tuokia of the Cad wtnose name app~rs on the credit cad. ~G>iWl meals the Federal Insurance Company. means travel on a Sdneduled AinxaR when the entire cost of the passenger foe far such iransportatiorh, less rodeerrhable certificetes, voudhers a coupons, has been to the Insured PersaPsAccoud. menus tiwse children, includrg adopted chldren ad those chldren placed for adoption, who are prirnaly depadaul upon the insured Person for maintenaae and support and who ere: (1) under the ahge of 19 and reside wlh the Insured Person; (2) beyond the age of 19, pemiarnendy mentaly a physicals chaNenged ana incapable of self support; a (3) under ti,e age of 25aid cfass't'ied as tut-time students at an i~stihNon of hider I~mng. L means a person who: (1)s at least 18 years of age and competent to enter into a contract; (2) is not relatied to the Insured Person try thbod; (3) has exdusnrely lived with the Insured Person fa' at I~ one year prier to the date of enroNrrherd; (4) isnot IegaNymarried a sepe-rated; and (5) as of the date of erxohrrrd, has wNh the hsured Person at least tiro d the folorrig tinaxial arrangements: (a) a font rrhorigage a lease; {b) a joid bank a:oaa>X (c) joist title ~ a owrnerslhip of a mote vehicle a status as a joint lessee on a moor vehicle lease; a (d) a joist credl card account wlh a finarciai iust#utioru. Neither the trnskred Person nor the Domestic Patr~er can be marled th, tea h a avl tahion with, arryorhe else. j~ meals the covered circurrhstarnces fa wthictn this i-surance is provided as staled h Section III of the Dedaraliorus, flarards, acct described m the Hazads torn, as described on page 1 of this ~• j~,p~p rrneas aN Cardrrnemthers, then spouses, Domesfa Partners aid Dependent Chiktrerh, as vuell as authored users of fire Accord. !.~ means the toss of Life. ~,pj~(@ means death, indurdrng d'nical d~lh detemtned by the khcel governing medaal authorities. ~,y)~ means DFS Services LLC, the erdly responslhle for the payment of prerriuxrn. ~ means an arcraft owned ands operated by a Scheduled Airlne. means an ailine which is either of United States registry and certfied by the Untied States government th cony passengers an a regularly scheduled basis a of foreign register and approved by the Unted States govertrruernt and the appropriate foreign aulhaily ~ means hostiNties foNowng a dedaratiorn of tllfx by a govertrrxrnt authority. i there is no dedaratioru of War, tlhah (1) armed, open and contirxrous hostlib'es between two countries a (2) amhed, open and cor~nuous hostllies befixeen two factions, eadh th control of territory, a claiming jurisdatiorh over the site of the area of hostNty. DISAPPEARANCE BENEFITS: ithe tuned Person has net been found wulhn' erne yea dthe dhsappeeranoe, stranding, sinlvg, wredcig a breelrlown ct arty Sd~eduledAraaft aeanreyance n which the thsured Person was covered as an ooa~ent, l wi be assumed, subject tD al otnertems aFthe poky, that the tusured Berson teas sdFered Ices of lie covered uruderthia potry. E7(POSURE BENEFITS: Aoddent inctrdes unavoidable exposure to ekrrhents aisng from a covered Fla¢ard. ELIGIBILJTY: This insurarnce plan is provided to Insued Persons Ily when the erdire out of the passenger foe(s) on a Sdheduled Anne is dharged to the Cadmerrhbers Aooourhf whle the insurance s effective. ft is not necessary for You td rnotiy the Poicytuokler a the Company vrhen Scheduled AiNne tickets are purctuased. EFFECTIVE DATES: Your insurance under this ihskxarwe plan is etledive on the later ot`.1) April 1, 2007; a 2) the date you become an eligible Cad-merrnbec Your insnranae coverage tiler this isurance plan wft ease an tlhe earlier of: (1) the date the isuranc~e oovarage is bertnihated; a (2) the date you cease to be an eligthle Cardmemba. COST: This insurance plan is provided 2t rno addlional cost to eNgiWe Insured Persons 1'a Covered Trips. Pol'wylnolder pays tlne frrN cost of the ihscrarx:e. THE BENEFlCIARY: The Loss of Lie therheft wiN be paid th the thenefidary designated by you. i no suctu desicyualan tuns been made,that t>enetit wll be paid th the fret strvrving brrheficay th the folowing order: a) You space; b) you chidren; c) Your parents d) Your brotihers and sis~rs, e) your estate. All other iderrrnlies wiN be paid to you. i you wish b change yotu benefidary, yvu may request a behnefidary designation faro by wrlirg to the plan admrsstrata at:The Died Maketing Group, Inc., 13266 Bedford Avenue, Omaha, NE 68164 a ad laaryrequestQTheDi~fuNG.can. EXCLUSIONS: This iuuraruce plan does not cover Loss resuNig from: (1) an Aaident occkrhing wtnle an tuhxed Person is in, entering a ea6tirg array araaft owned, leased a operated by the PoNcyhokier a any aircraft owrned leased or operated by an empbyee of the Policyholder on behaN otthe Policyholder phis exdusian does not apps to airraft dnatered wNu plat a aevr an one tine dieter txrsis), (2) an accident while an Insured Person is in, enteriig a ew'fng arty aircraft whle acting a trainig ~ a plot a crew merrnber (this exclusion does not apps to passengers who terruporaiy perfartn plot a crew functions in a Gfe ituea6ening emergerucy); (3) enatiorhal trauma, mental a physical iNneas, disease, pregnancy, chidbirth a miscarriage, bacterial a vial idectien, a bodiy rr>aiurhdions (except bacterial infection roused by an Accident a fruxn Aaddenral consumption of a substance contaminated by bacteria); (4) surdde, attempted suuridde a toss that's interhtionaly self-idNded; a (5) dedaed a urndedared Vlhar. CLAIM NOTICE: Written lain ratios must be given to the Company within 90 days af6er the ooarrerhce ct any Loss covered by.ttrs policy a as soon as reasonaby posslde. Failure tD give ndice wlttrh 90 days wll not invalidate a reduce any otherwise vafd claim i rhatice is given as soon an reasonably possble. C W M FORMS: Wren the Company receives rnotice of a chin, the Company wiN send you forms for giving pooF of toss to us within 15 days. i you do not receive the tams, you should send the Corr~any a written description of the Loss. CLAIM PROOF OF LASS: Complete proof of loss must be given to Company within 90 days after the date of loss, a as soon as ransonaby possible. Falure to Dive complete goof of Lass witlhn these time frames wig not invalidate any othervuise void dam i notice is given as soon as reasonady possible and h no event blerthan one year after the deadine to submit complete proof ct Loss. CLAIM PAYMENT: The Company ~ pay you a your benefiaary the appicable Bartell Amount within 60 days after canplete proof of Loss b received and i you, the Podcyholda arxila the benefirtiartr have comPied wtit ai the terms of the pdicy. ARBITRATION: h the evernt of a depute urtder OtLs poky, eilttaOne Car-.peny ache hstued Person may make a wrikxt demand fa arl>Ilydtion h that case, One Company and the hsued Person w0 eadt select an arb~a4or. The two arbrira6ors wI sated a Otid O they cared agree wiM 15 days, eiOtExOne Company aOte hsreed Person may request that the dnoioe d arbryatar be subrnited tD the American Arbitration /lssodaitiorn. The arbitration wi be fnekJ h the state tithe Insured Person's prindpal retidenoe. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 100-CLAIMS-0 (1800.252.4670). You rxr- abo go to the Company Vvreb site (100Ipy~,g~, dick on Report a Loss, select Acradent, Benefits and Life chins, select the appno-pri-ate lam, print out the chin form, fi cut and mad. You can fie a chin by mai a fax. Mailing Address: CHlf3B GROUP OF INSURANCE COMPANIES CLAMAS SERVICE CENTER 600 II~EPENDENCE PARKWAY PO BOX 4700 CHESAPEAIQ:, VA 233274700 Fax Number. 1~00,~2538 As a handy reference guide, Please read this and keep d h a safe place with t~ oOna insure doanterrts. This desoriptian of coverage is not a contrail ct insurance buys a summary of the principal provisions of the insurarnce whie h effect. Compk~te pdicy provisions are oorntained h the Master Pdicy, whidn cart be obtahed from the Policyltdder: Poky X9906-18-06 Pdicy lJrtderwrdten BY Plan Acinhistrator Federal Insurance Canpany The Died MaduOirng Group, ha a member usurer tithe 13265 Becdord Avenge Chubb Group of hsurarnce Companies Omaha, NE 68164 15 AAotxntain View Road, PO Box 1815 Wanes, NJ 07061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discover Cardrrnerrtbas can benefit Uom the searitY and safety affaed though Excess Collision Damage Waiver. O ya, rent a vetnide for 31 cortseative days a less (a 45 days under certah draxrrstances desatbed belouv) wih yore Card (as defined bebw), you may be efgible for hefts under this coverage. Excess Cotiaion Damage waiver a an inure program, utdenvrilten dy Federal hsure Company Pdity ft~17-63 (the'Pdictl'). DEFlNITIONS: eGf'~YGI means a Card want. Araual Cash Value rttears the cad th repair a replace the Rented Autanabie at the time of loss, less deprecation. rtearns the ttokler of the Card whose narrne appears on the credit card. ~ means the Discover Card. ,j~p@ mans the derail and accdathal damage to a Rented Autorrnobie roused by upset a cdision with another d:ject. Cdlisiert Damage does no# include ktss mused by missies, fafrtg objects, fre, Oteft a larceny, expksiort, eartfngrrake, windstorm, hail, water, flood, mslicous mischief a varndal'sm, riot a cW carrrnobon. ~I means the Federal hsurartce Company. 1a3Ytl:d means Cardmembers and authorised users of the Account. means DFS Services LLC, the entry responsible forthe payment of pemium. $ means a carmacd autarabile rental company licensed iutda the laws of the applicable jurisdiction. BB~I, means a fau~ufteeled privath passenger type rtothr vehicle a a mthinrat manufactured and designed to transport a maximum of seven passengers and used exarsively to tarty passengers. A Ratted Autartobie must be designed fa travel on pubac roads and railed firm Rental Agertcy. TO GET COVERAGE: The CdGsiort Damage Waiver Coverage is provided in you, as ~ Insured, automatically when the entire rer>talfee farOteRented /4ntomtottie is charged a debied to yaaAccant hs not necessary fa yeu to ratify the Company at the time the rental fee Ls dnarged a debited to yourAccoint. You must dedhe the LosslDannage Wanner dfered by the vehicle Ra>ial Agency. You mnust rent the vehicle h you own name and sign the vehicle rental agrearnexrflaontract. The coverage period will not exceed 31 consecutive days, a 45 oonsea}tive days O the hsnxed is an employee ct an agan¢atan whidn has pro-vided a Card to the Insured fa business use. THE KIND OF COVERAGE YOU RECEIVE: h consideration oFOne prerrnim Paid by the Pokyfnalder as requied, and subject to err the terns of the Poky, the Canparry agrees th reimburse on an Actual Cash Value basis eitna the hsursd ache Rental Agency fa repatr a replaoernent tithe Rented Automobie as a result of Collision Damage to the Rented Autanobie. The Comnparys Y wig be fa a miaxirxm ieinbusement d $25,000. h no event wl the Company be dable beyond the amburts adriady paid by Ore hatred a the Rerrtal Agency. O you a an hsured's primary vehicle hsure a other coverage has made paymteMs tar a covered kxs, Excess Colision Damage Waiver will cover you dedirdbie and any other eli~bk; amnotatts not covered by dher hsruance. Thiscoverage isnot ai-inclusive, which means O does not Dover such things as Personal hjury a personal I'rabiily. ft does not coves you for array damnages >n other vehicles a properly. O does not coves You for any hpry th any Party. WHO IS COVERED: Discover Cardrnanttas EXCLUDED RENTAL VEHK:LES: Ofl-road, ardique a Cm~ erOOar recta vehicles; trucks; riorral vefnides, campers, PAP , and mini-buses; limed ecOliar mda vetnides a higfn value, exalt, high performance a a type. High value mots velticles one motor vehicles whose replaoarnatt value exceeds 350,000, and antique mda vehicles are defned as any vehicle oven 25 years old, a any vehicle which has nil bean mantfac~tued fa 10 years a more. WHERE YOU ARE COVERED: Coverage applies to vehides rerded ~ the United States and Canada any. Coverage is not avaiable where proh~ed by law. WHAT IS ~I COVERED: Coverage does nal apply to loss resuNirg fiom the fdbvving: Any dishonest, fraudulent a crimisal ad of the Insured. Forgery by the issued. • Loss due to wa a coniscatian by authonTieg. Loss due ~ nuclear reac~on a radioactive oaeamination. The Insured beisg intoxicated, as defned by the laws of the jurisdiction where the bss ocaared, a under the irArrence of any narcotic udess prescribed by a physidan. • Use of the Rented Autarrobile to carry passengers and property for hie. Use of the Rer~d Autanobtie by a person other than the oneauthor-aed ~ opera6e the Rented MAamabie by the terms of the Rental Agreernenl. Loss of use of the Rented Automobile. Intentional damage to the Rented Aulanobde by the issured. Damage which ~ due and oonfned to wear and tea, freezing, mecharni-cal a electrical breakdowrn a failure. Darrnage to tires unless the loss is coisadent wtih a covered bss. Use of the Rented Autamobie n tests, races a cartests. The Rented Automrobtie berg operated a located is any territory prohibiheed by the thrrrns of the Rental Agreerrrent. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides issuance against damage to a rented mots vehicle, the fopowing tams and crornditions appy: (1) the period of issuranoe coverage wi not exr:eed 31 canseartive days, a 45 conseartiue days i the Insured is an empbyee of an orgar-aation which has provided the Card tp the I~ for business use; and (2) the issuance provided by this plan wit be excess over any other valid and coNectible irnsuarxe covering the Rented Automobile. However, the issuance provided uMerthis plan may be primary iF ~ provided for urdathe terms of this plan and ~ the foNoMriny atieria is met (a) the Rented Automobie is rented fa use outside the United States, tis territories and possessions; (b) the Insured is an employee of an organization whid~ has provided the Cad to the Insured fa business use; and (c) the Rented Automobie is rented withart a driver. HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the evert of a dam, written a verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT:1 ~OO~LAIMS-0 (1.800-252•{670). You can also go to the Company VYeb sib (Ilptpt~,~, dick on Report a Loss, select AoctdeM, Beriefes and Lire chins, select the appropriate form, pmt out the dam farm, f6 out and mail. You can file a chin by mai or fax Mailing Address: CHUBS GROUP OF INSURANCE COMPANIES CLAMS SERVICE CENTER 6001NDEPENDENCEPRRKWAY PO BOX 4700 CHESAPEAI~, VA 23327700 Fax Number. 1800-300.2538 CLAIM PROCEDURE: The Insured must send the Company written notice of a chin, irdudug the Insued's name and Poky rxmba, withis 90 days otter a covered bss occus. ff notice cannot be given wRhis that tonne, R must be given as soon ~ reasonably possible. To file a sworn Proof of Loss, the instred must send the 9 isfomtetion to the Company a tis authorized representative: A copy of the Accautt statement showing the automobile rerdal harnsaction. A copy of the automobile rer~ agreement. 'A~PY~~P~~L A caplr of the iutial chin repot submitted to the au6orrnobtie Rental Agency. A Dopy of the paid chin presented by the automobile Rental Agency fa the Collsiori Damage forwhich the Insured is responsble. Prod of submission of the loss to, and the results of any setilerrnerit a denial by the apptipble issuance carrier(s). ff no other insirarnce is appticeb~, a nataized statement iron the Insuned to that effect. Reminder: Please refer to the Insurance Discbsures section. INSURANCE DISCLOSURES As a handy reference guide, pl~se read this docianent and keep d in a safe place with your other issurance doam>erits. This Summary ofCover-age is nat a conhad of irsuarwe but is sinply an inforrri~ve state-rnent to eligisle Insueds of the prindpal provisions of the issuarx:e whie is dfed. Complete prouisiars patainng to this plan d issurance are contained is the miter poky on fie w6h DFS Senrioes LLC, hereis referred m as the Pdicyholder. M a statement is ths Sumiary of Coverage and ay provision is the policy differ, the policy witl govern. Potiry Underwri8eri By Phan AdmisLstratar Federal Insura~e Company (•Compariy~ The Direct Marketing Group, Inc. a member of the 13265 Bedford Averwe Cfiithb Group d Insurance Canipanies Omaha, NE 66164 15 Mountain View Fad, PO Box 1615 Women, New Jersey 07061-1651 Master Poicy Number. 9906.173 Effective date of benefits: Effective Apri t, 2007, this guide replaces ai prior ctisdosrxes, program descriptions, adveriishg andla txoctwres by ~Y P~Y• ~ and Company reserve the right to charxxiee the berxfits and features of these progr~ns at any tine. CanceCaBon: Po6cyhdder can cancel these benefits at any tine a chose not to renew Cte hscxarrce a for ati auCrorved Cardrrrerrrbers. K Poicyholderdoes cerrcelthese benefits, you wii be notified at least 60 days h advarxx'. C the Canpany termitates, cerrcets a chases not to renew the to Poicylwlder, you wii be notified as soon as is practicable, hsurance berx~its wfi stil apply ~' ~Y benefits you were eigCrle fa' prig b the date of such terminations, carroellation a nor-renewal, subject bo the terms and ~d~oru of coverage. Benefits to you: These benefits apply any to Cardrrrernbers whose cerds are by U.S. financial irsHutions. The Uraled States is defined as Cie 50 Untied States, the District of Cokxnbia, American Samoa, Puerto Rico, Guam and the U.S. Vrgh Islands. No person a entiyr other than the Card•member shat have arty legal a equitable right, remedy, a chin fa hsurance proceeds andlor damages under a arishg out aF thrs coverage. These berrefds do not apply i yar Card priviegas have been car>oefled. However, irscrance benefits will stiff apply fa arry benefit you were etigirle fa priato Cre date Oral your Account is suspended a carroeied subject m the tem>s and canditiorrs of coverage of your CarctnerrrberAgreenrerrt. Transfer of rights or benefits: Na rights a benefits provided older Crew irscrance benefits may be assgr>ed wihout the prig wriCen corrserrt of the Canpany. Misrepreaentatlonsnd Fraud: Coverage of C>e barred wit be void'f, at any time, the hsured has a misrepresetrted any metaial fact a dnaxrrstarrce ooncernirg this coverage a the subject thereof a the irierest of the hsured herein, a h rase of any fraud a false swearing by the hsured relating thereto. Coverage for an hsured wit be void i, whether before wafter a bss,the Poicylwlder sits subscrbing aganaation(s)hasconcealed a misrepre-serried any material fad a ctramstance oax:enrh this coverage a the subject Crereof a C>e interest of the hsured Cxeei-, a h cxse of any fraud a false swearing by the PoCwyholder a its subscrbi-ry or~n~za-don(s) re~irg hereto. g Addition of New insureds: All el'gble persons wit be aubmatically i~red urxier the Policy. Examination Under Oath: h is a corrdtiar of this hsrranoe tfrat the hsured and the Poicyholder, ~ often as may be reasonaby requied by the Company, wrT submi, and withh its power cause oCrers to submi, to examinations under oath and wit produce far examination all wrings, books of account, bile, invoices and otlrer vouchers, a certified copies Cxxeof C originals are bat, at such reasonable tine and place as may be designated by the Company a is reprrative, and wfi perms extracts and copies thereof to be made. No such examination under oath, exaru•rration of doaxnerr~ a any other act of the Company, iitss employees a ~ h oorvrediorr wih the inve~igation of any bas a dais wi be deemed a waver of any defense and such ads shat be deemed to have been made a dare wNrout prejudx:e to Cre Canparry's Y. No Benefit to Others: This coverage wit h no way ixxe dnavily a indrecty to the benefit of any insurer, person a aganaation a other bailee. Subrogatlon: fi is a corxiCon of ths nsuranoe that CCre Canpany pays Cre hsured fa a loss, i wii require the hsured to assign and transfer any dim a right of action aganst arty individual, fimr a corporatiorn for such bas th the Carnpany a subrogate a hold in trust ai such rights th the extent of the amount paid. The hsured wii agree to fake action as requested by the Canpany to enforce such rigfds. Upon payment by the Company to the hsured, the hsured agrees to direct errfaroerrnent of such rigfnts as reasonably requested by the Company and b ntirrn to the Company arty recovery to the extent. payment of bas tnas been made by the Company. Arbitration: In Cne event of a dispute under this poic~r, eilmr Cne Can-pony a Cne hsured may melee a wrilthrn demand fa arbiratiorn. h that rase, the Canpany and the hsured wii each select an arbirator. The iwo arbi-tra-tas wnl select a thid C Ciey catxrot agree within 15 days, e.Cher the Company a the hsured may request that the choice of arbira~ta be sr~rrrCed to Cre Mrerican Arbitration Association. The arbiration wi be held h the state of the hsureds prirncipal residence. GLO&4L TRAVELER'S HOTLINE TERMS AND CONDRIONS The Global Traveler's Hotfne provides Cadnnerrnbers and thei famiias a wide range of free travel assistance benefits. C is operated by AXA Assistance USA, Inc. Visit Discovern~xrd.oorMravel to learn more. Eligibility. You must be a Cardrrnerrrber whose Account is h good handing, the Cardmember's spouse a dependent dnild travefng with the Card•mertther a an AutharQed User of an Account n good standrng. Third-Party Charges. Gbbal T-aveler's Hotlnes not inscrarnce, so you wii be responsible fa all thirci•panty fees and expenses far services requested, such as professional a rrnedreal foes. Availabilky of Services. Certain services may not be avaiable n eel antes. Cori us at 1 800-DISCOVER (104347-2683) fa assistance a'd you have questions about a specific destiretion.Outside the U.S., call us celled at 1.801 ~902~100. While AXA Assistance wrfi make every reasonable effort to provide the services, neilrerAXA Assistance nor Discover Bank a our respective affiliates wii be liable C a service is not provided a for any services that are provided by thid parties. The services and these terms and oorndrtions are subject tD drange wihout notice. DISC©VER s o""~9`~` s i;~~ P°~^t °°e CARD Payment Due ibis January 19, 2007 20 SDSNf3A01 001700tS BOwSER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Account Number ending in 5471 E{rdar Amount Errciosed Bebw T ~~ Phxsse make dreck s b Discover Gold Cord or ptry online +aeowreard.eom. GirllorrrlatlOn tg0re ri@CUre YI~IgIi iprd- slaterrreritsonly you car- areas. earn rtare at dfscovarcorrripapt:rfess. PO BOX 6103 (Ilut~lr,us~s~~~us~u~sl CAROL STREAM IL 60197-6103 Address, email oriekphons efwnge$ Print ehaggs in apace ~rjlB~~tuur~~~r~u~nr~t~~eutt~l~~runl~r~~nru~jn~nl~ above, or go b D'acov+r.eom. Print yew serail oddross b receive imporbnt Account inkxmdbn and special offers. DOOD01~R86458]r24+f3D8571024g93000D000002320D Discover Nbre Cord Account Summary Closing DaN: 1)boaini»r 20, 2006 page 1 of 2 Accaxd rNgnber ending in 5471 Prwious Blanes 510,225.86 Paymad Due Dcde January 19, 2007 Paymerrts And Crodits - 217.00 ,Minimum Payment Due 5212.00 Purchases + 44.98 Gedi ~n+T S 1 D,300.00 Carp Advances + 0.00 CrsdO Avaikyble 150.00 Balance Transfers + 0.00 Cosh Credit limit 55,300.00 fisasw Charges + 196.09 ;Cash Credit Awilable 550.00 New Balance 10,249.93 You may be able b avoid Periodk Finonca Cfrarg.s, see dre i reverse aids For details. i COS~iIkiC{C Ba1vS' C+pening Cashbadc Bonus Balance 5 12.51 . New Cashback Bonus This Period + 0-11 Cnahbtxlc Bonus Baiaitce t 12.62 -iCbairbackBonw®-Sinee•AnniversaryMortih-----------------------------------------•-------------------------- ~Deosmber: 59ai2 + _ Cashbaek Bonus$tl is America's Ol Cash Rewards Programt FuY 5% Cashbock Boma ion Cast More purcha»a in popular ithroughout the year and up b 1 % C~s ~ Bonw on aM your odw pur+clrasss. Now Con We Help You? 1. ~~~"~,,~'; „~ r: ~;.' "'"" and m«. #'s yourchafe - 3 ways b help 2• Cal! 1.800-DtSCC+VER 1347-2683 for (a!, easyselfservioa + +Phiwe how your Discover Card awikrble. options or b speak with o Customer Service Aunt Manager For TDD ssisbncs for heart 3• Write us aF Discover Crud, PO Box 30943, b n8 impairod) see remorse aids S~ lake City, UT 84130 TrQnsactionS SO Frarrd llabllfly GuaranM. Use your Discover Card with confidence. + Yrans. pe,! uD ~ D e•6 De~ea ', PaymsMs and (}alas Dsc~s8 tN113tNET PAYMENT • THANK YC+U ~ -217.00 ~MisedrandaeJ4erai - Nov 25 -Nov 25 JEWELRY TV'35602510 805.692-6000 TN 14.99 ~•-----------•-- ~ -3S8S4251J1V'---•-----~-•------------------__------------------- Nov 25 Nov 25 JEWELRY TV "35602487865692.6000 TN 29.99 35854229JfV l:or You ;Blanca Trorrsfer oRer for eurreni biging period: Doily Periodic Rate: 0.02712%; corrosponding ANNUAL PERCENTAGE ;RATE: 9.90%. Rate is wbieti b the iamss of the olFer irKluding sxpiwtion. ;Cut back on mailbox okAhrl Sign up for Paperbss Stalwnenls and simpgfy the way you manage your aoeounf. We'M send :you an email as soon as yoww sbierned is ovailabM online. And, while you'ro of Discovereard.com, you con pay yow big i9uickly and sxssdy. Sign up ~ Discovarcard.oom/ps f MnpadwtM~idbirtlo6.. ir~ehnp'pe~pblH6~aee'h6aokixad~papifara4dilo~iriniydlr~ilbrintlfop, ~ $ s»ro~rc+r~.,~- rarars,~e~r,~...rrma~aafi.Mpayoarnceour. ~ tat«,mlr~e~: ' rien~ar.yi.crrsoasnases. p~~ ~lw~lcf Ca~aeifinawaQustiaKJlboutYakf~tf 1~nkyouibil8 of iwdMOrshbimMonaboNatrrwdioRmyod~wii~isona ~ P49a~30t~t.s~i.r.a~;bre4r~oatt.r~aar..ei..+Ne°tlmuahee-ra~you~owndaneod~tanrwsa~myau+Mbrtwi 8 onr~drlM ,a , ,i~winO.Wuea4MMpha»u~.4utdoilpao.~lnofparvalgrq~.bl~~d»ush~olbwWadomMlkrc ~ ~ M ^lAli'dolrhae »% ,.q~y,~w.+n~r+~a esa i : iy~ap.,~nyyo~.e.r.r.n~rr:,n.«~rrwo.ear.Moe~r~,;aae~»hia+sy~•n.unwe.ecut. f ~ +~uaoao<r,.Yaroray~ . p~ia-,rs'ornaE . a~-+rw••»~a~~p~oa~.uamarhvdray~w~tauw~ar,,wa~w.yo,r isd~ TngnrntakloaagndfaibadYdhaneualyouqu~don. ' lpaolrRrYlar~# hpa6Aiar1liM =eo.~,aM ~ ~ _ l ih~rjwMisapotlerrwlhM4rfrydpood~awviteaMtyanNrdreadwbraasdladmdyaMebMdnpoodieMbaa~sq ~ouu~rnolhwbpaythnsiNapwgrdduegihaooa artavbN. Iwi-tl~kpiorcflmaNyahsnMapunbwP~wa~a~aairn ~ s,flar~o.u~w.if;.r:~,ao~.i..nrav..~.,.air.w.'prr,.ow.,QOp.rbh~a~:k,aruw.nrna,~ouu..aer.rwm~rrorme ~ ~fa f~. .pCOM11QM~t40MAf1lilgfftdfbO~fMlafrNOll~ ' b:~d~..: baMiMo~grYenanyaa, MMp~t .. AaloppalfaadhablM~e~aiihfNwwap Dae4t>Mdad.9Ysan3bYa-aMelusdefahdabow.Yaiwlb~ra bl~kaindN~piid_Idw~rM?~nfau-aoootntatlhe6wiaidiwllian6doNedanyardNd~~orbpoegsYtlu aaad~eck ~ paxe~daaeaaUora~oindanMfer,prtMrMtiilbafort~amanldhdMekWlNnwrWaiafanwiaiiam~r~baiduan ~~iNld~ . h!'1aMiridi~niam.yavamaantat~ograeYir~wed~yMr~paiwl~P~l~N~rot~aalMS~ovdi~okDed~Um~yariwi6al ~ ~ -- aiwalophnh A~~Y~d1~Y~~d~0.acal~riemtr~~rpay~antY~auard.tbaayofrraddaraaifyouwa.aa__ ~. 1M~QpM~-apbtioeMdkpraprimpat~ovPOtdIYES!6PMlodiliromanvdwru~DeaddbMnrAmo~nfrdwra.x ~ L wdrieanAdaK dMad pa~pnb: as pa-absaadro~anlh,lf wb~yar~ a» ,.aa aM ~.,oe r.. fran;aa~a. ~..~ a udfirdra ~ i rode kb . !. a ~ ~ibR i i ar w: ~ atec r ~~ ~h. '~---~-~ a: TAaf)!adta uida he 41M11 ~ Pkn. we Maw M anp W .bsl~naaaf M 6i y unfit h apeoil wb NOitQ Iwa rN~w, a~1 s~aa4a: en.yau and Oi+oorer repteisile0'iws for q,,.tfy fa i ~t~ror; ._..~... DISC©VER ~"~'° ~~ B°'"~R' ~~"~ E 1 nsce+~v~~ Acoovnt number ending in 5471 CARD 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 downloadoble, printable statements. • See your statement as soon as it's awilable rather than wait for it to arrive In your mailbox. • Get helpful payment reminders through email or text mesaa8es on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Dtscav~er:ccm jpaperle~s~s ®QeOE)9 t)ixvia ~k. DAa~r fp1C r Closing DtlM: t)ecsntber 20, 2006 pegs 2 of 2 r i ': Through the ge-xrosity of our Cardnrembers, DiscoverjR) Card Ira: donated moro than S15 million to 1Fw Make•ArWish Foundativn~t). You can make a cM'Id's drawn come true by electing to dome yow Caahback t3oews(R) b the Nk~IcaA-W+sh Foundation. To Isom how, plaaae visa Diseovercard.com or visN Wish.cxg ~ Visk ShopDiscowsr d Dtsoo~ee-cordcom/shop to sam additional Cashbook BorwslR) when you shop onhns. You wig Find groat ofivrs from retailers }bo Bamss and Noble, FTD, Magazines.com and morel i finonc® Charge Summary P~l~o~~ n~a--1 ~ir~ ie ~ ~~ AG1e Pq ~A~ ransadion cwrant billing period; 30 days . 'Purefias.s =10265.73 0.06367% 23.24% V 23.24% ;Cosh Advanus j0 0.05731% 20.99% F 20.99% =196.09 ;0 SO ,=p _ ~ !The rates tf~ apply to your Acoourd era er7iwr 4ized (F) or ilrsy may vary (Vl os noted afiova. r i ;QuOStWnS~ Manage your account at Duoowraom or _ ~cpll 1-800-0ISCOVER {1-800-347-2b83~, ~_ DISCOVER Nom" Balance 510,210A4 CARD 20 SDSN6A01 0017006 BOYSER, SUZANNE E 3947 LEl'fNANE DR STE 120 SACRAMENTO CA 95834-1971 Minimum Payment Due Account Number ending in 5471 5218.00 Ender Amourd Ertdosed Bsbw Paymeid Due Date ry 19.2007 Please make check b Discover Pkstktum Card or pay online acovsrcard.com. Go papetless and make your accxxxtt i~nfo~rmta~tion more secure with pasaword- t statertmtds ~~condp pnetless. cam more at discover PO BOX 6103 ~~~ns~~uus~s~~~sn~n~r~ CAROL STREAM IL 60197-6103 Addreu,amoilortslePltoraehaipa4Ridetraigsinspore ~ ~~~~l~nnn~~~s~n~ur~r~~uur~{~~urer~~r~~uuc~~u~u~~ above, or go b Discover.can. Prid your eanail address b ~ receive imported Account infofmdiort and special offers. 0000019~645812443085710210440D000000021800 `Discover Platinum Card Account Summary Ck-sing Dols: January 20, 2007 page 1 of 2 ~AccouM number enrRng in 5471 Previous Balance s 10,249.93 .Payment Due Dale February 19, 2007 Poymenls And Credits 412.00 'Minimum Payment Due 5218.00 Purchases + 169.99 'Creda Limit 510,300.00 Cash Advances + 0.00 ~CredH Available 589.00 Balance Transfers + 0.00 ;Cash CedN limit =5,300.00 Finance Gweg.s _ + 202.52 ?Cady Credit Araitable 389.00 New Balance 10,210.44 i ~AihbaC~C $p~se Opening Cashback Boma Balortcs S 12.62 i New Cashbaek Bonus 71-is Period + 0.,42 i Casltbadr Bonns®-l4nrtiversory - - - - - - - - - - ';Mordh: December 'Cashbadc Bonusat) a America`s #1 Cash iRsvvads Progroml FuR 5?6 Cadtbock Boma 'on Oct More purchases in popular 81iow the year aid up b I9K C' «i~ Bonus on oA your otl»r purchases. 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Post ~ D~ Dot. ~Payarsnts and Credits Jan 5 Jan 5 IMERNET PAYMENT -THANK YOU ~ -212.00 i Jan 17 Jan 17 INTERNET PAYMENT -THANK YOU 200.00 sJW7~l'------'Jas 12-_.X12--TARGEfiSfOREST2099PA---------------------718'9------ ;Csasolers Jan 10 Jan 10 FLYINGJ CARLISLE PA 25.00 ?Go~wnurresst Services Jan 13 Jan 13 CARLl51J: BARACKS M/S CARl1SlE BRK PA 8.20 ,tan 13 tan 13 CARlIS1E BARACKS M/S CARLISIE BRK PA 91.90 For You Balance Transfer offer for current btUtrtg period: Daily Periodk Rats: 0.02712A'.; oorroapondirtg ANNUAL PERCENTAGE .RATE: 9.909L. Rate is subject to the terms of Nrs ofFsr inducting expiration. ,'Cut baelc on mailbox ehiMerl Sign up for Paperkas StdemeMs and simplify the war you manage yaw oecourd. We'N rind you at e-maB oa soon as year sbkmerd is available online. And, while you're at Disooverrard.oom, you care pay your bib quickly and easily. 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You wiR $nd great offae from rotaikrs tlce Barnes and htoble, FTD, Mogazines.com and morel i •r--------~------....__.._....___..._..---....._....------....__...------•----------....- --~--_.....__.._._...__----•--..._. i i i Finance Charge Summary 4 eriodic ~ tnc,~ ~ ~ ~ro ~~ ~ ~~ ~ _ F - ; aunent biluig period: 31 days c ~ ;Purchases ;)0260.51 0.06367% 23.24% V 23.2496 Cash Advances ;0 0.05751 X 20.99% F 20.9996 ;202.52 ;0 ;0 ~ ;The rates thr,~ apply Ao your Account ar..tther tn:.d ~l ar IMY ~y `ro7 M a: noted above. _ ~ Qu~10118? Manage your account at D~reroom or ;call 1-800-DISCOVER (1-80Q347-2683. DISC®VER sic l~~ e s i~ ~ P°''"'~t>~° CARD Payment Dw Date Mwch ]4, 2007 20 SOSN6A01 0017007 BOIiSER, SUZANNE E 3947 LENNANE Dfi STE 120 SACRAMENTO CA 95834-1971 Account Number ending in 5471 Enter Amount Enclosed Bekrv .~ Plwse make check paYabla~Drsoorwr Pkstinum Cord or pay onAne ~~ uD~~ Go peperlese and maloe your aCCatM htfortrtation macs aectrs vr~ passvenrd- ataterr>an~ ~YYa+ ~n accase. cam mac at discoverconYpaperbss. PO BOX 6103 {I~RU{inus~s~~ins~ais{ CAROL STREAM IL 60197-6103 Addreas,vmoil a telephone ehangei Print change in apace { {{ {{urur{{{~{u{ a r~{unr{{{~unr{ir~{run{{u{u{{ above, a go ro Diacovareom. Rkd your s-mail ad~eaa to ~ u r { roceivs FmpaAant Aacavnt In(armaNon and apsciai offers. 000001986~i58124430857101932500000000021600 Disooiv~er Platinum Card Account Summary dosing DpN: fabruary 20, 2007 page 1 of 1 Aacourd number srxOng in 5471 Previous Bolaiu 610,21044 ;Payment Des Date Marcia 19, 2007 Payments And Credds - 218.00 iMinimum Payment Dw 6216.00 Purchosss + 0.00 ;Credit UmR 610,300.00 Cash Advances + 0.00 Credd Awilable 6106.00 Balance Tranahrs + 0.00 ~Caah Credit Cimit 65,300.00 Firronee Uwrges + 200.81 iCaah Credit Avar1alsle 6106.00 New Balance - .10,193.25 i C~ashbtadc Bonuse Opening Cwhbadc Bonus Balance 6 13.04 New Cashbocic Bones Thia Period + 0.00 Cas(r6ack Bonus f3atana. 6 13.04 ry----•---- -iCodrbodr8onua®~amiveraa --...---....----------------'--------------------------------------•---- UNonth: Dseembar caahback Bawa(R) is Amerita'a 81 Cosh Rewards Program) Frill SX Cashbaek Bonus ion Get Mona purchases in popukxccrAagones i l h l t roug aid i s year and up ro 1 % Cas rback ;Bows on aN your olhsr purcF~ses. ;How Can We Hel You? P 1. visit L)ieeovsrcosu ro pay year wl ~ ne ces6 usesyour k f d d lt's your choice - 3 ways fio help • rt.a Aeearnt in amallon, cam an e«n rewards and maro n. 2. caq 1 800-D15COVER (347-2683) for fact, easy aslEarvice sPlewe hays your Discover Card avariable. Far TDD (asaisrorxs far hearin impaired) see revaras aide optiom o<ro speak wflh a Cualorrrer Service Account Morxrger Ca rd, PO Baar 30943, 3. ~ g 3 Lake Ciy, Uf 84 1 ;Transactions So Fr+ard lfat~ly Gttarania. use yaw Disoowr card with carrfidenc.. ~:. ~ I ~Psyrrrerrts cnd fretOts F~ 2 Feb 2 INTERNET PAYMENT-THANK YOU $ -218.00 ~8alares Transfer offer for errrr+nt biAir~ period: ley Periodic Rats: 0.02712. 9i'.; eorrsspondlrg ANNUAL. PERCENTAGE !RATE: 9.90%. Rate is subject ro the terms of Ihs oiier lnduding sxpiralion. i ;Finance Charge Summary i Nomirwl Average p~yy APWUAI. ANMWLL ~ l f~R CE / P Ck"MA N KiE d pK T D~~ y__ _ , ~ ic ~ ~ ~o if/ ~ ~ R ~ _ 'current billies period: 31 days ;Purchases 610174.17 0.p6367X 23.24'X V 23.249K 6200.81 6Q ~CashAdvances SO 0.05751X 20.99X F 20.99X 60 60 ;The rates that apply ro your Account aro either Fixed ~) or they may vary (V) as rested show. i btpoeratllio~itttlo` iawa~hn6a~pep~blfsbiip~Wi~ienlxibEKkd'N~.ppstor~dd~liOi;dNyo~teMi~damtlion. ~ eggn 8tryaYCttitiem6tt ' YO1rtk1dn1ea1AtlgtewwlttmlMigtl9nWrtu.dytnrlltoouro. , itrttasbNa~eirdt. 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Go paperleas and make your account Infonrrelan more secure vrNh paasword- ~alaments otty you can access. more e< dlscovercondpaperless. PO BOX 6103 iiinsiiuusisi~ius~uis CAROL STREAM IL 60197-6103 Addross, s•maN or Mlephone change9 Prird ohnngs in space ~ ~~rt~~rnut~~~r~u~nr~r~~ruu~~~~tuu~~r~~nur~~»~u~~ above. or go ~ Disoovar.com. Print your sanorl address ib ` receive important Aceormt inGormalion and speeitd oPFers. 0000019t3645b124430857102505500000000020200 Discover P~oitinum Card Account Summary i Clawing Dula: AAQdt 20, 2007 page 1 al 2 AccouN mnnber ending in 5471 Previous Balance 310,193.25 i Paymed Ow Date April 19, 2007 Paynterds And CrodNs - 216.00 Minimum Payment Due 3202.00 Purchases + 90.45 '• Gedi1 Umit 310,300.00 Cash Advances + 0.00 Credit Avoik~-b 349.00 Balance Transhrs + 0.00 i Caph Credit Umit 35,300.00 Fiianw Charges + 182.65 Cash Credit Availabb i i 344.06 New Balance a 310,250.55 cashbocfc BWwie op.nine cashback Bornia 9ala,c. 3 13.04 Nsw Cashback Bonus This Period + 0.23 i Cashbadc Bonva Bdana 3 13.27 ~Cashback-Bonus4sFAmiversary--=• - ---••------ -------..---• --------~ --• ------------__.._----------~~----------••--- 'Month: December Cashbaek Bonus{R) is America's ~l Cash Rewards Program) Ful 5X Codibock Bonus on Gel More pundwses in popular a ifiroughout the year and up to 1'16 Ca~ Bomis on aA ynur doer pwnlsases. ? 1. 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Sign up today at Discavercom/peerless 02009 Ditcw~r Soak. r FDIC t;,io~ng Dots: Marcft 20, 2007 pogo 2 of 2 Finance Change Summary A~j ~° ~ M~NiU~AI. p1~MlAL ~ Transaction F i R°tss ttA ~~ ;current b~lirg period: 28 days ~Purehaaas =10256.32 0.06367% 23.2496 V 23.24% =182.85 s0 `.Goth Adwrrces >;0 0.05751% 20.9996 F 20.99% ~0 s0 T1a rates the apply to your Aoeount aro sidrer Toad {Fj or 11>.y may vay M as naffed above. ~~QuQat10i1S~ Manage your account at D'is~ver.eom or cal! 1-800-DlSCOYER (1-840-347-2683). DISC®VERr s" CARD 20 SD$N6A011~17008 60MSER, SUZANNE E 39~F7 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Minimum Payment Due Account Number e~ng in 5471 5219.00 Enter Amount Encbaed Below Paymen- Dus Dais AAay 19, 2007 Pkwse make check payable to Diacowr Plotinwn Card or pay online O? Diacowreord.com. Go paperless arxi melee your acxount intann~ion more secure wllh password- protectad statemerds oMy you can access. Lim moro at discovercotNpaparless. 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OOflQ019864581+24430857b029674Ufl00fl000021900 Discover Platinum Card Account Summary Closing Dale: April 20, 2007 page t of 2 Account number ending in 5477 Previous Balance 110,250.55 Payment Due Date May 19, 2007 Paymer~s And Credits 202.00 Minimum Payment Due 5219.00 Purchases + 44.23 cr.dir L&nN Slo,3o0.0o cash Advarrcea + o.oo Crodit Available 53.00 Bakaxe Ttaraiers + 0.00 Cosh Credit UmiF 55,300.00 Firaaae tXogsa + 203.96 Cash Credit Avalable 53.00 New Bak,nea ~ 10,296J4 i Cashbadt Bones' Opening Coshback Bonus Ba[anee 5 13.27 ~ New Caahbock Bonus Thia Period + O.1 1 Ca:hbadc Bottu!s Balance S 13.38 ~~aehback8anua®-Anniw -- ------ -----------------------.._..---------------•------- -----.. rsary_. ---------- - ~- Mardh: December ~ Cashback Borrus{R} is America's #tl Cash Rewards Program) Fdl 5% Cashbaek Bonus i on C»t More purchases in popukr~r ies throughout iM year and up to 1 % Cashliack Bonus on d your atl+ar purdraaes. i How Can We Hel You? 1 • visit oiaceM.r~ea,r b pap your bir ii.. ne ~ viw your P k,tsat Aoeount information, cam and redeem rniwrds and more It's.your choice - 3 ways to help 2. 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WHts us of Discover Cord, PO Box 30948, ~ ~i^8 Pam) Sak Lake Ciy, UT 84130 Tiransactions $0 fraud LiabiGfy G~uaraniDee Use your Dixawr Card wig conrd.r-ce. i Date Paymenh and Caesxte Apr 13 Apr 13 INTERNET PAYMENT -THANK YOU $ .202.00 Merrlrandia/Rsla~ Mar 22 Mar 22 WA4MART SC -412574 CARIJSIE PA 29.60 i -- --•------------ iw4ar2b---Mar26--WAW44RT:C-6M •IN~ERNETfl800=96b~6546-AR------------e~-i--------•- i Mar 27 Mar 27 WAUv1ART.COM 'INTERNET O 800.966.6546 AR 2.64 Apr b Apr b CHR'CHRISTIANBOOK.COM 978.977.5060 MA 11.88 ~ 45246955 roperfei~t Yea seeyaeiQrdMaaibi ladoraoMa:gedr. boas -- iti~aoe Palaiwae pbeeaMnAewal i»Par.aro puw;Jneea.rirro aharn eib YMeiwlie 9alrpater Fee Ffiinor.pwpee w-iaD, fbwo0npa Oieoowreay aoriot weanaapapebleabi~etelairnl,eesriwbarkdasdipegsbraddBtiondimpafentafam~6on. ~ 1blrGrd~seweeNpeaneMCOdleiroa6l~.lums dyarktloount hreMael~.eoo3~T~. 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Sign up today at Df5COV81'.C0111~'I@SS ®2009 Olscowr Bank. AAsab~r FDIC 1 dosing Dais: Apri! 20, 2007 Page 2 of 2 i i i ;Finance Charge Summary i 'i Nominal odic QE ~ GE PF_ ~ TronsaeHon FFW~„N~r, ~~ eumeM biNing period: 31 days ~Purcha~s =1033373 0.06367% 23.2496 V 23.244E x203.96 x0 ;Cash Advances x0 0.0712196 25.9996 F 25.99% x0 x0 rates ~ apply to yow Account aro either faced FF) or Nrey moy wry (V) as noted above. ~QUeStlonS? Manage your account at Disaov~r com or lcall 1-800-DISCOVER (1-80Q-347-2fi83~. DISCOVER s CARD 20 SOSNBA01 00!7010 BOWSER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Minimwn t'ayrrlerlt Due Account Number ending in 5471 $218,00 Eelter Amount Enclosed Bobw Payment Due Dols ~ ~~~, .ilme 19, 2007 PJeass make check payable b Dixovar Card a pay online Q Diseowrcord.com. Go papaleas and make yolr aCOOUM i nformstion more segsre vAU1 passv~aod- pp ~ ~ ~ . Leamrrlore dTscover om/pa peri PO BOX 6103 Illnsll,nnllllluslnlll ~Y~_ • CAR{OL STREEAM IL 60``197-161031 1 ~ e•mdi! 0- '~'~~w ~'~ ~" ~ 't'111111111111~Illll~llill~llelll~lllklllllll ll11111111111111 above, a grs b Diacover.com. Prlld your a-mail address fio receive impalald Aecourlt infomwHon and special otFors. DODD0198645812443D8571027499DOODOp00D213p0 ;Discover More Card Account Summary dosing Dak: May 20, 2007 page 1 at 1 'r Account number enl8r~g in 5471 Previous Balonu S 10,296.74 i PaymenF Due Dais ,June 19, 2007 Paymerds And Credits 219.00 i Minimwn Payment Due $213.00 Purchases + 0.00 Credit limit $10,300.00 Cash Advances + 0.00 i Crodit Available $25.00 Balance Trals[era + 0.00 Cash Crodit limit ;5,300.00 f8raloe CJIarRes + 197.26 Cosh Credit Available $25.00 New Balance $10,274.99 CaShback Bo11uSe ~C~ashbaek Bonus~This Puri d + 1 a~00 Cashback Bonus Balanc® $ 13.30 ~CashbaclrBorwia~Anniveaary- .... ---- ~_.-._.-__..---------••----,--..__._.._.._.._. _._.....-.-------------------. -__--_ '• Montle: December i ~ Caahback Bolws(R) is America's 111 Cash ~ Ravvards PFograml Fug 5X Cahtwck Bonus on Get More porches: in popula~ caFe~~goor~i~ss tlltollghouF 81e year and up b 1 % Cas}16aCk Bonus on an yoelr aNeei~ purchases. How Can We Hel You? 1. visit iDiseevereem b pay year lmll ier ee ~ view yyour P tatat Accalrt tnfonnatton, cam and red..rn rewav#s and male !It's your choice - 3 ways ro help 2. can 1-BOO.ascovER [34~2sa3~ tar ta>i,.ay ~ Please haw your Dixover Card avaNable. options a b speak with a Cusbnlsr Servlu Aeoount Manager l For TDD (assisbnce far heari im see reverse side 3. WrRe us at D'aeover Card, PO Box 30943, n8 Pa~I Soh lake City, In 84130 Trcinsactions $0 Fraud liabiNFy Guaratlbs use yoelr Discover Card with confidence. Tual~. ' Paylneltts and CreeOle May 12 May 12 INTERNET PAYMENT -THANK YOU $ -219.00 Infor,lnt~tion-{or~ ~ ----_----- -- ---------------~--- -- --- ------------------------------------ Balance Trtuesbsr o(kr for current bluing period: Daily Periodic Rate: 0:02712%; careapondirl8 ANNUAL PERCENTAC3E RATE: 9.90%. Rant is subisd b 91e terms of the otFsr irlckldirlg so~lieation. i .Finance Charge Summary i Nominal Ton A R~~c AGE « E ~nsas current billing period: 30 days ~~ PurcFlasss $10326.49 0.06367% 23.24% V 23.24% s i 97.25 $0 ;Cush Advances $0 0.47121 % 25.99% F 25.99% ;O f 0 i ! Tlw rates t}laF apply b your Account are eNher Axed (F) or they may vary ~ as noted above. ;Your Discover(R) Card has yar covered with Compkls Fraud Proteetiorl For your pesos of mind. Cbr advaeeed iroud warnings mean you'L knew right away shaeld arty suspicious ooour. And if your cad is Post or stolen, you have s0 : fraud liability gUaraltee-you're net rssponsibb For arty FrauduFslit 8b Toae:Caid~piair LoetafsbMnaMa. •faaaoa MaudoAi 9S b tlwisii'taoe-iana~e. b!s ~ WOe ~0.tastln4fdtdead~pepebradaiaiwtiimpafentnFaiaWoi~ i 11hRE~dMinberapn~tml~YiuelMllamdypwArioouM. ~ i~MeMQi'4804347,268;i. ~ ~P~M4dE~owuQu~MioiwAbaa-''Pout~,lf hdY~biib aiTaenwA~arsi~damaianahaneYnNCiononyaur6il.wl~wan.a i KooMlr.ao4o~~.seeVr.py,Urat,.~ooa.e~.wee~ne.rro~.youoowxerneoayr,iww.araynuaa~dl ~ 8 apq}a~adVarca. ae.4utdgapa+rlxotDiaeaw7purri~-b7e+eletle~.~irowth-klb~hpdamedar ~ ~ ~; i o aear ~ V . i~ouan,+Marra!w~.veawii.•n.moc:rywn..amaeirfOnnefm,ues~.ri~amrogaeumu..bow. aiaour~NqareionwNewsniapaM~eli~butrwatsefpa6ipeiedbpeyriperlsdyaepi~Jetasnottnqueelon,YYlisrwbw~elerou youaeikiiquwitarldeianyeoionboaMAwiamouipyauqueela~ ' ~urbaw~:IfyouA~wap~aNrRWlhrq~t~ydyoodaataviophtronP~dw~a~ordendyoulweNed'epoodl~Mboahcl ~ l~~lnlhrebpgrlMNnM4i~pa~pntdMmlMpoodsarw~ia~.lEouAewlitpmY~afoaaKY+ManblP~eNwPiioewnma-Ymn ~ ~My~e/rmrw~aeMintOOa~aF~rariniep~ddrw.pfweow-aapeirbriewti~it,.a~Newriedyrivri.dw~nwitiortde esc6Nrid~awdlM~mouNaba~iondlaPuehw.) , ~glridtMloPDp~d~eMehmatilMMiwkppoYWe0.0orotwndgdR®P~YYa+~R~edaab~dYloV-yoU~Ip~u~ ~ bnwlband~an¢Iud~rkomyau~maoletNe~narlipiWoab3oeledatyasdrd~arbpoaeelrpsjn eiad~ek f ~ gq,~MN w a~ Mxaado Mmd YwtN, M iarr~ wl b for tM ~naxM df r ck~d~ Wkm ws'u» ide~Ion tmm yar cb~dc g mob an mrl».1Mdawean,~..ooaura~aoonae....neap,wsazdw,aurp~m.d,w,rauwu~anaM.,roard~te.dckartTour~d ; j ~n~bdel~edaloufendar(ymw~proM~ntacdrr~rrawii~yya01sspp1yy~~1M~,fyeuwnd~l~spe~ubnlbagoY~ered3ewaifyw~eesr- poMA~d.PayalNMewoeiradin fWaMgf bdNybyDPMboYYrom QeywibaaaAledbyoar/10epWaedritder. ~ . rorersawbor-re.i~oo~.h.d~neneoR~ a~~ ~ ~onpynn~b k ~6103.Aeee'aailaie7-10dertbr Ifyairpaymeaie /Mneal areOeMM'.amoaa owrris MNgiaM..and.7lauan eel w Wloniefc oel~naiA. Gl w et 1~800.3~12BX1. Yhuwi needlM eb~enna ~ aPFMa duiup ri biWg axda k ardwdeieu0ianyaaaeoeudpaytie.roM~ied h jau ~, rreabauev.ritaureeponielaoaeaM aruioomplib, nrn~ addroea, fnnr lekpinge n1~Cer rd/looouiK Mier. TA~a e Yareotlm oekpagc i ewaar,emr~rae-a aieipeaaooreaaanaia ~ebmecfonepaeleabrwrMfaaataAerridleeadri6igpaiodwwiidiNoaaee,wewilYdatribrieala adeelnpooawridonbs dribinppdod~in NkpoeMabyoarAomaA. AlfNidMydbytpdr wemedbweehatlrdpudreeYerractonoelepayWhlhefaceylmdCphMbrmeTnrwctianieeFernoeCtrgee+adidiasaddedb aeaw~seokgsarue4u~nwera4wa aewae-aapuoosrrcaaaNOeo ~vR'e1~e0aY enu ri rpedel arb aiald Mis aepind, • Dragaeayieaa, eaq 1i0F71~7a11: ~h~M'wJ!.1~~1 OYgorenepNeaYeiaeefur Wef6Yaee~seropf ,YemUerF01C. Gwgeeanraaenew etr Mace! Paeoentliae ReN. i i i i s i Ot7BK107 -- DISC®VE~' s"">;. ~~° S ~32A0 Payment Due CARD P of Due Dote July 1m9, 2007 20 SDSN81101 0017011 B041SER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Account Number ending in 5471 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Dixovenxad.com. Go peperieea and make your account infomretion more ssaaewith pasaMroM- proteged ~ onyr you can access. sun more st dlscovereosNpaperless. PO BOX 6103 ~~~sar~~rarrr~r~~~ars~rs~s~ CAROL STREAM IL 60197-6103 Address, omail or 1r<ephone changeR Prid dwnge in span (i~~n~~unu~~~r~utur~r~~nur~~~~um~~r~ium~~rr~nt~ above, or.go ib Discover.com. Print your a-matl addreu to receive importard Aoxud information and specid often. 0000019864581244301;57111f34S600000000023200 `Discover More Card Account Summary • i - ,~Aaeount number ending in 5471 iPaymad Due Dote July 19, 2007 ~lVlinimum Payment Due 11232.00 'Cre~tUmit x11,300.00 ~CreditAvaiknbls x115.00 ~ CredR omit ss,eoo.oo :ash Credit Available i X115.00 Cbsittg Dais: June 20, 2007 page 1 of 2 Previous Baksnce 510,274.99 F'aymsMa And Crodils - 244.37 Purdnaaes + 937.35 Cash Advances t 0.00 Balance Transfers + 0.00 ~~ ~s + 2 i 6.89 New Ba any 111,184.86 C.oshbadc BODUS• Opening Cashbadc Bonus Bakmce s 13.38 New Cashback Bonus This Period + 2-27 Cashbadc Bonus Badanae i T5.65 Gasliraek$es+es®,4nniversary...-------• ----------------------------•----_....-------•------------------------- AAor~ih: December ahback Baws(R( is America's ~ 1 Cash wards Program! FuA 596 Cadiback Bonus Get Mors purchases in popular cad~eg~oorise wghout the year and up to 1 % Ca:hback nos on al your other purelases. ;How Can We Het You? 1. visit f>hscovsrcom b pa,r 7oar fat !Far no cost, view P krteet A«ount information, .ern and redeem rewards "rand mare It's your Choice - 3 ways ~o hip 2. Cal 1-BOO~DISCOVER (347-2683) for fast, easy seEservip ~Pleare few your Discover Cord available. app or b speak with a customer Servke Ac~camt Marxrger #or TDD assidancs for heart im !rod see reverse aids 3. W-ue +ro at Discawrr Card, PO Sox 30943, ( n8 Pa ~ Soh Lake City, UT 84130 Transactions So f~td ~ caaRnnie u~. your Dixowr card with canTidence. ~ i Trans. D ~Poyrrsents and C,redila ate May 27 May 28 THE HOME DEPOT #4149 CARLISLE PA s -31.37 Jun 9 Jun 9 INTERNET PAYMENT • THANK YOU _213,00. -JlMsdpoartRse/RNail--•---- ---Ma1,Y5° -Mal*45-VEAL--MAkfi S~-i125~#£ARt1~,fi~fr °--- ----.. _ --- - ----- -'202'.OT------ May 26 May 26 WA4MMT SC . +1'2574 CANUStE PA 131.83 ' May 30 May 30 WAL,MART SC -#2574 CARLISLE PA 31.76 May 30 May 30 WA4MART SC - #2574 CAR1151l: PA 141.82 May 31 May 31 WA4MART SC - #2574 CARLISLE PA 67.89 Jun 3 Jun 3 WAL.MART SC - #2574 CARLISLE PA 64,06 Jun 7 Jun 7 WA4MART SC -#2574 CARLISLE PA 12.06 •`Restaunams May 27 May 27 PAPA JOHNS #10964 CARl15LE PA 42.47 GasoUna May 26 May 26 FLYING J CARLISLE PA 50.00 ~ May 26 May 26 FLYINGJ CARLISLE PA 47.00 Jun 1 Jun 1 HE55 38252 CARLISLE PA 25.01 Jun 7 tun 7 IRON SIOII.ET-PETRO #36 CARLISLE PA g l ,Oq ;Service May 30 May 30 SMARTSTYLE 9116829319 CARLISLE PA 17,00 'Hems Im~evaneat May 26 May 26 THE HOME DEPOT #4149 CARLISLE PA 55,19 } Get 5%Cashbaek Boniaf ft~ from July through September on gas, hotels and admission io theme water parks ,museums aquariums andd rocs wdh the Get Mo Sf t D l O R , , re program. gn up a iscoverearc .eom or w@ 1-i# ~DISCOVE ;(1$00347.2683). 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CMopvsrBnk,wmberFDIC. i i i i pITBK10t DlSCQVER CARD ttporsa BOWSER, SUZANNE E D1SC+~VfR Aoeount number ending in 5471 Get added security with no paper hail 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 awilable rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through email ar text messages on your mobile phone. • Print o paper copy of your statement anytime. Sign up Foday at Disr~-~:com/paptixls~ 62009 d,ovrr Ba~dt, AArnba FDK Cfoaing Dok:.fune 20, 2007 page 2 of 2 klarr Impseverrwrt May 27 May 27 THE HOME DEPOT X4149 CARIJSLE PA 18.16 InFonnation fior You CongrahilaFions! Yovr AcoounNs cash credit Nmit has bean increased io 65,800.00. _ i Bdotree Tramhr offer far curerd bi#ing period: Daly Periodic Rata: 0.02712%; oorraponding ANNUAL PERCENTAGE RATi:: 9.90916. Rate is subject b 1hs Nrms of the ofFsr ineltrdtng aagsiratian. ~ Soon we'!<no fa ri FiAI account number on ~^8~ P ~ Yom' your atatemerd. it's lust another way to keep your inFonnation safe. i1tR of course, if For arry reason you need your firN aocourd number, it'N stiq be right thero on your card. i Auild_ns~csds faster.wiih Mp onUm: retaiiers~uch as.T~gateamrDidcsSportiD9Gaodssom,l,andsfnd.~m, ~'Luras.cosn uad.. - _ _ - - - - .... ' mar y more when you Nnk through ShopDiacrovar. Just visit DisooMero~or~d.com/shop b see our fv1 listing of onNne reMilars! ~ilnance Charge Summary ~ A ~Y rnal ~ T Periodic Fraroadion ~ c ~_ BATES ~ wnant biBMg period: 31 days r i Purohas~• 610988.96 0.06387% 23.24% V 23.24% 6216.89 60 ;Cash Advances 60 0.0712196 25.99% F 25.9996 60 6p Ths rata dwt apply b your Account are suer fixed (F) or they may vary (1!) as noted show. tlOns7 Manage your account at Disaowr.ootn or ;call 1-800-DISCOVER (1-80Q347-26831. /~ C New Balance Minimum Payment Due Account Number ending in 5471 ~Sb®v~~ 511,287.7b 5230.00 EntarAmourd Enclosed B.bw CARD Payment Due Data August 19, 2007 Pkxue ~e check payable to Dixover Card or pay on ma Q Dixovsreard.com. 20 SD3N8AOt00t7012 BOWSER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Go paperiess and tt~ke yon account Informatron more securo wills passvrord- prolected oNy You can access. Leam more at dacoveroorNpaperless. PO BOX 6103 ~~~us~~usis~s~~~ns~n~s~ CAROL STREAM IL 60197-6103 Address,e~mailortabp},oneehange;Prinfehanpsinspxe tr~~u~~rum~~~~~n~rn~~~~u~n~~~~uu~~~r~~um~~,r~~~l~ above, or go ro Diccowr.com. Bird your s~mail address to revive important Account inFormation and specid o(hrs. 0000019864581244308577r128776DD0000D0023000 Discover More Cord Account Summary Cbsing Dubs: July 20, 2007 .page 1 of 2 ;Account number ending in 5471 Provious Balance 511,184.86 ;Payment Due Doh August 19, 2007 Payments And Credits - 232.00 ';Minimum Payment Due ;230.00 Purchases + 119.90 ;Cred# Umi# ;11,300.00 Cash Advarxros + 0.00 Credit Available 612.00 Baksrme Transkrs + 0.00 Kash Credit limit =5,800.00 Rnanw Charges + 215.00 ;Cash Crodit Available ;12.00 New Bakurce = 11,28776 CCS~1ElOCk BOnuSe Cipsnirg Cashbook Bonus Balance S 15.65 r New Cashbook Bonus This Period + 0.30 1 Cashbactc Bonus Bdascs S 15.95 rversary---------- -itasFrbeck8orws®yMni --•~-------•---------------------------------------------------------.. ~Month: December ~Caahback Borna(R) is Amerlea's #1 Cosh Rewords Programl FuN 5%Cashbaek Bonus ion Gei Moro purdrasss in popular s~ppaorr i dxorghout ~- year and up b 1 % Cosh6acks Boma on all your other prrrclwses. 'HOW Cdn We ~ YOU? 1. Visit Discowreosn b pay year bill ter rw ~ viewyarr p kriest Account krFormaliaas,.mn and redeem rewards and man ;Mrsyour C'I101Ce - 3 ways to help 2. Cdl 1-800•DISCOVER )347.2683) kx fast..asy sdF~..rviae Pleas haw your Dixover Card avaiksbk. options a to speak with a Customx Service Account Manager For TDD {assistance far heotirrg impaired) see reverse side 3' ~ ~ at ~~ ~ 1 ~' PO Box 30943, . ~h' TronsactionS SD Fraud liabt'~ty GitormNa use your Dixovr card with oonBdence. Tram. Pest t>a. l>~. ~Paysaerds and Cwdih Jul 3 Ju13. INYERNET PAYMENT -THANK YOU ~ .y34,00 Merehasefr:e/Reta~ Jul 2 Jul 2 CHR'CHRISTIAN BK DISTR 978.977.5050 MA 37.47 -i--•-----•----- _ _....--- ---------- --- •---------46684127------------•---------- _ _- ...._---- -------__ _..------- -; ~ReMourosis Jun 21 Jun 21 CARRABBAS X8909 MECHANICSBURGPA 57.42 Gasalire Jun 21 Jun 21 FLYING J CARLISLE PA 25.01 ;Information For You ~Congnatulationsl Your Aocount'a cash crodit lint! has been inaroased to 55,800.00. r ;Soon ws'M rro bngsr be prirYing your full aeoount number on your statement. U's hat anodrsr way b kwp your irrFormdion ;safe. Bui of course, if for arty rooson you need your Full account number, R'1 al'iU be right Niero on your cad. ;Build rewards faster with lop online retailers such as Target.com, DieksSporlin®Goods.eam, Circu'rtCily.com, Sears.eom and ;marry more when yov il'~nk HKOUgh SfapDisoaver. Just visk Discowrcard.com/shop to see our (u!I listing of online rotailersl 'Managgee your account your way- wlrelhsr you prefer to speak with a live person a manage R on your own, DiscoveriR) ,Card has the right account management options for you. isit Dixovercard.cam or call 1-800015COVER ~ (l -800~t7-2683}. r~rat~.:ro~.r ~ kn,~ee~non.~epei~r+~aw~.~r,s.~mee:ota..a~a~b<.aa~by~i, 8eeye+ir:CerdaiiiUw ~YOrrardiaeeex~ghemen-odwisatAsoennra(arllooarr. Loet:aabYe:agw: 1WarIM~!Cd1~a0R34I~663. i B~n1Ip~I~e CNitdbroisarQuMioirA6outYarBN:Y..gp.~tlrirar6~ie aryduiwdiraaidamafanabbiRatue~donoa~aa0r,w~eusdna ; g eepww.ilMlefppper R,09mt~D121;8dtLdooCY~tUFaiYlG0~121 a~wonas{S:MNmorlheerYomyouroMahn60d~aallrweeMyoarieiAlM i an.~icAOiaw+arat. app~e~?~Youca~.wkpharw,eutdaiiosow~no"tpeawyara~.byourM~lNrgwwb.tdowigifoaMiorc 4 ~ •Yeyrarib?~M~AgaoYnt n~ •dlbdotrap~oufo/M Ewa. ~ ~ •9Mabb..aa4a ~Mfal~~ll7~bwwlhero#.~n.naryoua~rd.ma..WalpNoniae~p.asi~mraaaruMUSeeod. ~4udoadlrwbpgra~! N(QwtonwAievraawiweMtet~p,bltyarlweMa6fitebdbplryUeprbdyouhitMtalanOtinque~fOn,WNsvNii~efeyqu giM~pl4+Mpmakl~pCft Mdiilgrrralirany aEt011baot~rtir alOgekyOa~dg1,~ i 9MehlRilorfawM P~relri~Meryonhewap~limrl6tlrgneoydDood~araNMoulbtyoupp~~~~r~.aanilardrd'yaehrwtdidaooodfiMbm~ra bpbbNiwtrh.M miyaahswtopyliewnwi~ieam0.drantlrgo~aeerviaaibuMwtisgobcionaiyahearrp~rdMeepberwemashn ~60.meMb' __ injgiirhaneeoibawtho_100~sdyoaeMiaOad~w.pfsaaiaapr~bNemercbrkai~reweiedywlr.edrMEwnsitTaNe NwAoprdMrUrnb ~~iaeeired'np PrywwMtwal~Raa aMrSPltbali OMoaleyPG8oit6103, SYeenR~8t03.Pkitle eNeYpicd~btw ' ~,,7 aaiouMwdiae eceMeaEiag WMrnaM aiNrneadiq~ap rblrea ~ NNUnh1r10N N tirtatirt~db.~loitAooe4iMer6a~deA b tie alrWerdDudiees m.esiionowmn,rMn~racapim a(GYhAdwnos rmen#m Fa Fa?DG (~i~aoerk..ta rK oeaq wl~na, eat sir-7iw: ~14oor~.+oolts~aMdix:.. ~rtipliaaa~Spelwegyou~ndDi~cored.!egs~irnforgiapyaeawanaePwP~ MoMoarN'Cbdii~apd oNow+w~ak;iAegberfDlQ p~t.rj+dr~~ irdilparloeap' bsrYkiaA?aSMeud ~ i miCt~egtb ~ i Iedtliel~lowUttM ~wtlbaailoedbpouide ~ wwandyarDakb ~ ~~: i M.lbueeneanarla ~ KiatpnriaEM ~ mdhow~urhtw~A6e: ' i ybe.~ledtnyoa ~ oanbainba~pt~ ~ w~ndAaaetn~bec ~ ~ ~ ~ noe~wp~ 04 near eigaaelaeeiKrr : i i eaN M i YonbeonpdaPeriod~c i ~stebiaritiartba i ~~b9lr~se~ __. t. i i a~~ DiSC4VER CARD n t~ w 8A n txu~endNing in 3471 o~sce~vE~ Get added security wish no paper !rail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downbadable, printable statements. • Sse your statement as soon os it's available mther than wait for it to arrive in your mailbox. • Get helpful payment reminders through email or text messages on your mobile phone. • Print o paper copy of your statement anytime. Sign vp today at Disccvertont/ m2009 tN~cover t~ -timbK FOrC i Cbsfng Dols: July 20, 2007 page 2 of 2 i i ~--- ;Finance Chafll~ Summary r tlalanee Trans(sr ai6er For currant 1~lfltng period: Daffy Perlodk Rate: 0.02164X; eorrwpondinq ANNUAL PERCENTAGE ;RATE: 7.90%. Rats is subject to the tame of the oRer inckiding expiration. Na~!nal Doi pBah dk ~ ~ T~ AGE TrauaeHoe aurreet 1>fding period: 30 days `•!'rRChasss 511255.83 0.06367X. 23.2496 V 23.2476 ,Cash Advances SO 0.07121 % 25.99X F 25.9996 5215.00 s0 S0 SO ~ rates ~ apply to your Account sae either Rxed (~ or tfwy may vary M as noted above. ?QNeStigls? Manage your account at Disoover.can or !call t-800-DtSC~VER (1-800-347-2683). DISC®VER "s~;~.9e CARD 20 SDSNBAOt0017013 BOMBER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Minimum Poymant Due Account Number ending In $471 2 0 0 3 8 S Enter' Amount Enek>sed Bek>w p y ,, ,, ,~ ~ ' _7"'°"• Due Date Seplrnber 19.2007 pleare make check payable to Dtacover Card or pay ortlint @ Discowrcard.aom. GO paperfeas attd melOe y0llr eCCarrK information more secure vrittt paasvNOrd- ppretectsd ststemertta ortyyou can acce~, t.~m more at dfscovw comtpsperless. PO BOX 6103 ~~~sss~~sssss~s~~~:ss~ss~s~ CAROL STREAM Ii. 60197-6203 Address,s•madortelepiar»ehargeyPrintdwr~einapate ~r~( ~j,uur~~~r~ra~usr~~rnu~~~~ruu~~r~~uus~~u~n~~ above, or go >b Diseover.eom. Print your email address to ° ~ receive important Account ir-krnrotion and spsciaf oftars. 00000~986458124430857112804900000000023800 'Discover More Card Account Summary Uoaing Dale: August 20, 2007 pag.1 of 1 Ateount number ending in 5471 Previous Baksrree 511,28776 -Payment Ous Dais September 19, 2007 Payments And Credits - ' 230.00 Mirtimum Payment Duo 6238.00 Purelwaes + 0.00 iCredN Umit 611,300.00 Cash Advances + 0.00 ~CreeBt Available 619.00 Baksnee Transfers + 0.00 Kash CredR Omit 55,800.00 Firmsee Charger + 222.73 ;Cash Credrt AwiktbFe 619.00 New $alanoe 611,280.49 Cf~h~ICIC BOIIUSe Bala~e '~ l ~ a t This P O.OQ j C.adr6adc Bonus 8alanee 3 15.93 Caahbaek Borws®-Anniwrsary --------------------- ----------------~------------•------------------------•- jMoedh: December iCashbodi Bonus(R~ b Arneriw': it Caeh 'Rewvds Ptiogrrrmt fu15%Caahback Bonus ion Get More purchases in popuhx ~fe~oTies ' t i h h i a l d l roug oui I rs year an up to o % ~8onua on ~ your other pundwsea. How Can We Hel You? P 1. visit Dixavereanr to payyour bi {er ne ~ w.w ya kslat account information, .ern and redeem rrwarda 'rand mare R's youtr choice - 3 ways to help 2. car 1-soo~DtscovEa (347:2se3~ ~r ra~,.a.y,.if..«ria. ' ~Phxsss haw your Discawr Card available. options or to speak wr Ih a Customer Service Aaourd Marwger 3. Write us d Discover Card PO Box 31)943 ifor TDD (asaistonce for hearing impe~ired) see reverse side , , SaIF take Ciy, UT 84130 i Transclctrlons So fr,ottd i;abflny c+iarnnise Use your Discover card with aanf ddence. i Tues. Pest uaMe Date . Payments and C.redOs Aug 6 Aug 6 INTERNET PAYMENT - 7tiANK YCk1 $ -230.00 ;Finance Charge Summary Balance Transfer oRer For current biNing period: Daily Periodic Bale: 0.0216.4`X; corre~onding ANNUAL PERCENTAGE IRATE: 7.90%. Rorie is subject io tFre terms of the oFter including expiration. Nominal Tpranaaion pA~~~ Fermis P ~ PfIF P E FM~MKB Rates RA7E5 RATEti current biBng period: 31 days 'Purchases 511284.44 0.06367% 23.24% V 23.24X 622273 60 ;Cosh Advances 60 0.07121 % 25.99% f 26.99% 60 60 .Tire robs that apply to your Aeeount aro eider Rxed (F) or they may vary M as noted above. JVlannaaggee your budget, hack yyaore spending and avoid fees with FREE timely e+rwil reminders. team moro about e-mail ,reminders and other sorry orrrne aocourd marusgement optioru at Discovereard.com/reminders . __. ___.____.._____.______.._ ~~__.__1____.. IhwaigpishnonepaQebtliebipyltleoYd,eeelietieckdeed+ppebr~ddiYdpligoArdibiiMa6on. - a...ya.'cakmer~ Yar[xrdmamiJerapnemenloedaneallNbnntdyarNooe~mt un~r,oeiwsra. _ . wnae~cr~dao~tt-ue~ _ z . ~y MPMMe'e1Net41P.eRr . 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O1TBK107; DISC®VER' s ~~'.~ CARD 20 SosrieAOS oos~ou $011lSER, StlZANNE E 3947 LENNANE DR STE 120 SACRAt~NTO CA 95834-1971 Minimum F'aymont Due Account Number ending in 5471 $239.00 Eller Amount Enclosed Below Payment Dos Dale $ ~~~!^l Oerobsr 14, 2067 Please make check payable b Discover Cord a pay ordine Q Dracovercard.eom. c3o paperfoss and mete yarn account trtformatlon mare secure vrrllhh pes8lNad- eal m more at discover~.c~pa~pert. PO $OX 6103 Illnrlluurlrlllurlrrlnl CAROL STREAM IL 60197-6103 Address,etnadorwephar,ect,ange4Prk,tchang.inspae. ~ ~( u,,,,,,~u,~„~,,,~ ~~,u„r~Er,us,~t,r{,u„~r„~„~~ above, ~ go b Diacover.oarr,. Print your email address b , s, ' receive impo,brnl Axowt inFarmation and apxial offers. OOOD0198645832443DB571128335D000DDOOD239DD Discover More Card Aaount Summary ~ Closing DaM: September 20, 2007 page 1 of 1 ~ Account number ceding Ys 5471 Previous Balanea 511,280.49 Payment Due Dote Ocbber 19, 2007 Payments And Credits - 238.00 Minimum Paym«d Duo 5239.00 Purehaaes + 17.00 credit omit $11,300.00 cosh Advances + 0.00 i CredR Avaifaba S 16.00 8dance Transfsra + 0.00 Cah credit Omit 55,800.00 Fiwnot fJrerges + 223.86 Cash Credit Awiksbie 516.00 New Bakmce 11,283.35 Cashback Baluse ope„ir,g Coahback Kama t3ok,nce 5 15.95 New Cashlxtck Bonus This Period + O.Od ~Geai,baek-Bor,ur~ MonA,: December i Cashback BonusptJ is America's #1 Cash Revrards Programl Fu115'X Coshback Barrus i on Cvet Mon purd,ares in popular ies ihrar,gf,od the yea and up b 176 cos ek Bonus on alt yaw other purchases. Cashbadc Bonus Bakms 5 15.99 How Can We Hel You? i. visit ciecevencen, b payyeur bil ~ no ~,,Mw your P ksMat Acoourt rnformatian, core and redeem rewards and mate It's yQUr Choice • 3 wrlys tb help 2. cdt 1.8oo•I~ISCOVEit t3.47.26B31 for Fast .asy wtf•s.,vie:. Please have your D;aeover Card avaiFabls. ° or b speak wi a Customer Servke Account Manager For TDD (ossisfanue For hearing impolrod) see roverae side 3. $~ ~~ City, Ul 84130 ~ PO ~ 30943, i Transactions SO Fraudpplio~'iy t3uarantee use year Discover Card with confidence. ! ~ TDrMs Ouse and MdBa Sep 14 Sep 14 1N17:RNET PAYMENT -THANK YOU s •238.00 ~ Csasdirw Sep 9 Sep 9 FLYING J CARUSIE PA 17,00 finance Charge Summary Balance TramFer oRer far eunerk billing period: Daily Periodic Rob: 0.0216496; eorresporrding ANNUAL PERCENTAGE RATE: 7.90%. Rote is sublsct b # n e le a ns of the of h r indudi~ expirdion. yy ~ vvv q~~ rooo ggg eee i ~eribdie GE ~ TfS RATES Periodic ~ ~~ lransacNon ~ carrot billing period: 31 days . `• P~xcl,wes 511341.65 0.0636776 23.2496 V 23.2496 ~~ ~~~ 50 0.0712196 25.99X F 25.9996 =223.86 50 50 50 The rates the apply b your Account an either fixed (Fl or they may wry (V~ as rested above. i rhiaYmasboaa~rpgebOrsDrFq~OMwenlwmNbedcWexhppefa~dd7aM.idyalwidamaean. i 3ayar: Ape~NniM,YbIrQx6Mm6irapiwnMca~llir~lUeN~msdyarAoaanlt i CeNO-Nele~7brAti - irMiraib~itCarL800,94~26e3. 6Ntjp~~yMy~ I~C~d6eawa4rpbn~A6oWlKar~'rygter*a~er~ ar IwdmoooebanMiaa~6pul~bonytxi6lLwiinsona i 8 ~~1a. 1~ioa{vPORat30t21.8eRLeleFipCUT8i19a0121.uioane~.iN~tMUetheerianYouroYYri~nQOdyrtMerwes.atyauMirtdN i APP!Mid.Ybu~wl~eMp6aMUt,higdoiiOaMnotP~-s1a~~idM-Y~YourMIMr.9lu~uobbl~i~ia(a~mrioa: i ~ •5kxtp~rld nl~ ~ ~ .71wdGruaootl0l . prp~t*d~der i ~ •a.ab.tn,,1a rywe~n.+airrrae.ins.r~wrs.n.ira:run.eamorsi~am.wnee~.a»i~~ewK.wwr..eaa, 'Pou~oro41MMt1~.Pr! 1n~~4w~rMkrweR hRywwb11de0wdbpgMprkdyoQ6iUNYarotbgiwbn;WNewirneeq~byar gx~fon,waawt ynuwdiqu~LLablsayadonb~IManwutY~9~ i dri/iequ~llydyaoiYaarYlueihtyoupudrMdrikaarodtaidrdrarlwKMedinpoodi~baawct Mipw~rgdu~a~lMyood~orwrkw.l6ahMfi~pbbdonayrA~llrpullswpioawMnbwhn i i~eeaFlioiriwi~0~e~aplwairraaperwba~+dria.'orrwm~hdyouiAredwNraerttoaNe ! ~ouUabalon dlh-gtaFfMw) ~ MiiaiR~ONmNeloypo~IdfdDonolfoaddNi.®YwdigYargacltude~ab~doboYr~l~waAw~b~um 4w MOSjrottamomlWi~elbOxJeIMMblbnbdio~Mdaa'yw-dix#abpioo~wllwpe~wka~adw~e ~ dM.tlrlwMierNiErbrlMrwrNdtrdbok.WharirwsinfaMaa6owyardwokbuyMn i Ie4aoaP+sgiser~eQeyremoeiwYwPlpdpaNirotnoefreygached~bedc4amrarin~ril t i mnipoidMiaaaNbNxw'h~~ovpq~~y~epure~ndMpdyart•banyciw•ad~~sarMyairueear- a liar b M~dbnmeld~C~yauhewm~ioedYarw~ioP~.uad~~ardlo ~ irT-14de~efarr.ryarpMnenCkmk~dunpefd,v»rewwlM~Mbre~nit~r~a ~ i b11pIgIN,YldyauanaetupMpomei~ plwat1~434TI6~.16ax~nedl~bMgMm~Mand ~ Otiswibbinyourb~nkaooowM.and~tYwaoionmagoo~~O.SIrtlNuwiMMArIbR~ i 4Mb~iMYoM~Mcraie~duD~en~bs~ei~Q~4tl~M~lonbalwtMwiyoe~O~Gkb i hi~liiddJ.r Me4r.Yir•n.n.. w.. - .r........•...rs. ~. - d:..d. ~ PBdO~I~FdNfNCE Pil~jado,• . - aN"ggoe~doaatkNwo~mAomtlMdeb~r.leenbcfiallitpoM~dbygadbowru~IllNdwl~PN'YW-~ ~ fNwBline~.67- nwii0~il~bw~rrwtriP~~N+Y.'~p~~~~pddMNevB~NnagnyiovP~e4rrro~IMM~tbY i lrPrrlrMDu~t7i a-~~er~.adyorpeytielMwBdriabybRsrnent.W~efltleonNoMelementw~~dlnat oeeFriodoF~rnor o~~wr f praiws,hei~ ~.~e.~rpan+r.~.r~~.a~..r~w~r~a.a~~~rMamo~n.rwr~,auas. ~nr~.ur~.a~ .e'er ~ grdiwr,TAwrir pNbda~erYooeYwknaraeebydverw~s. ~ Y~e~oR~ourlwiliaionE pa~dpadwn,ae~iradrenoN,aedbino~Yai~IfinaedtliesluYieriatYrtaroeclbmwdi+e~d~potpbgtlirrA~wiMPwomUreWla i Fdia+w~k ba;ppi~afdulrobadp~Grw bahiidrdwlewaAdEee~p~N~pags.Wio~nrbtlws abntsdanaheariM,Atlie. i mddw~h PbbdoFiir~eel~wyrbrdrydMbigprbdbrMd+fMr~lOnodgaKYNwlrlo ap~gp~6onb onq~pWiodc ~ brnah htiay.aye.r.oexnurh.-aeq.inr.hibOP~ioaxoeyReao6oRr..yBeenetnmsdwyrawnwrmrourwlMnmcn Tanw ~ !~4•lIlri- ao6 baibnY~lelQe~adafivriw~p~nputa~lwAwoa~adnp~ay.B~r+ab-- i +Ix,MnpaMeK. pr0~!aOM~od.ao~F~rKV~brsk~oaY~nsedfanoebpa~c i !lr.,reti.hia.R: ~ ' -. ~npnwwr.diugmM~oadoMai~lnpf~.~eMiooupmw~kn,~erepo~ewdoelcf~apwt~.' .~o~a~u.rrhtinpeo~y 9.rno.tor«efi. ar0oiyly warrrdynr~~a..b~ pMbdbr.rear.aenc~hyoy.~a~rwbweyan~.r~aay..roy»4i~~1.. ~ W~ooapubhA~y br+~aAaMgnym~xhdeyby6daddnpMialeywgbMpe~ardpls-dgr~elrKe.b~ofanur~wetde~Cbadwp~d ~ 80l rdA~ib3e Clrgn~oouedoaMWdbrfarrrecionbpaNedbyarAmoud~lYrbdo~sdiisAinppwbdb~lirhMoairs.wssiMltlM~s~dbn askpaoauia6alw mryalMDiggemdbnHd tirpaMSdbyuirAooo~st s Niad~r~d~ yaur _ r~~d014btrNntlrdgrq~etsN~ntegioiicM~y+WiFe~ocepia~dCNhAdwircsTraro~aife~Fiwiwdirpe~MtAanaddedb i fie~pio~hfia A tawdoneikpayad&IwaTmmA~rTirr~r~reFinar~.Grip~Mid~wadd~dbrrrppio~blDY~wyesie~rhwrdionaA~porK i WMnbifp~wl-/~ ' wsww~NUipidWlnad9rDiq~'MI1rwWMBdriorTranduTwr~clmFe~Rw~igw~bth~slydrdpndrMiwafm ~ kb.~tr. ..' '!NlrseNRMani~bdb~la.Q~NaR.aaPYn.w.+.w~r»,rgdaphne.a,l+ee~.a~aw~Me,.na~h.6elr~o.T-.iaerTiwwcson ~:,b '~ppM5~611wwG~a~ryuMlaefp~cYnMwuldlrve~pind, i FgrTOD ifr~b~.iartlaDNQ.w~a~4110•~t1ai~9: ~ deow~r~rlegila. _ ~!!e?!dM1~P~!aKroilrlrwn.YW~d.DYoo±brnptire~brQ~bil1r~aoaPapoees TheO~io~ePardb'. .. bpDi~apre~NC11e~NberF01C. 011HK10~ New Bdance Minimum Payment Due DISCOVER sll,z7a.96 s227.o0 CARD Paymerf Due Date Nswmber 19, 2007 20 SOSN6A01 0017075 BOWSER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Accourd Number ending in 3471 Enter Amount Enclosed Below Please [peke cheek payable io Discover Card or pay online Q Diseovercard.oom. Oo paperless end make ywa- aocouru informatlon more secure vTdih pesarvorr!- Leem r qre at d er~.coerkss. . f 0 BOX 6103 iilusiiaansislilsts{n~s~ CAROL STREAM IL 60197-6103 Addwss,e.mailorhiephonechangePPrintefeongsinspacs ~,fl,,l~nun~~~,~u~u~f,rfln,rr~~~+u,„~i,fiuu,ii„lu~~ above, « go ro Disoover.com. Print your eel address to rewiw impartanf Account information and specid offers. 000001986458124430857112709600000000022?00 ~ISCOVer MOI'e ! +Accour4 numbs ending Tn ~Paymsrrt Due Dais Minimum Payment Due ;Cradd lima `Crsdk Avaiable Casfi Credit Limif C~h Credit Available Card Account Summary Closing DaAs: Odobsr 20, 2007 5471 November i 9, 2007 s2voo . 511,300.00 529.00 ss,eoo.oo 529.00 Provious Baksrrce Paymerrta And Credits Purchoaes peg. 1 of 1 St ],283.35 - 239.00 + 15.00 Cash Adrrrnces + 0.00 Balance Transfers + 0.00 Fiirar,n Chargs + 211.61 Nsw Balance ~ 511,270.96 G~slibotk Banste Opening Cashback 8onua tidarree 5 15.99 ~ New Caahback Bonus This Period + 0.03 Cnshbadt Bonus Hdarice 5 16.02 Caalrbaek Bonus'm~Mrbversary--..----------- ------------------- --------------------------------------------- ~Monlh: December Caahbock Bonue(R) is Amaica'a #} Cash !Rewards Program! Fur 5% Cashbock Boaus ion Get More purchases in popular h l roug T otf the year and up to i % Bones on dl your other purcFrosss. ~Hovv Can We Het You? P 1. visit niseawr~r to pehryour biN fer ne sect ,~„ywrr kslest Account information, cam and relearn rewards and mon Itrs your choice - 3 ways ro help 2. car 1-fWO.DISCOVER (347.2683) ~ f~st,.asy:etfaervia. Please haw yen Discover Card available, options or to apedr with o Cusbmer Service Aceouet Manogx iFor TDD (asaislanee for hearing knpoirsd) see remorse side. 3. Write us at Disoover Card, PO Box 30443, ~ SaT yaks City, Uf 84130 i TransaCllons 50 Fraud i.iaWlily csts~aotee Use yaer Diaeanier card with conRdenee. Tram. Pod Doh Dde Payrwrgs aad Cssdits Ckt 12 Oct 12 1NTERNEi PAYMENT - THANK YOIJ S 239.00 G~asale,s Od 5 CktS BP Cdl 06141667 CARLISLE PA 15.00 Finance Charge Summary Bdara Tr~afsr offer (nr current bRfing period: Oaiiy Periodic Rah: 0.0216.475; corresponding ANNUAL PERCENTAGE IRATE: 7.90%. Rafe is subject to the tams d the offer including expiration. ~ Nominal ~~odic P6t ~~ T-rgasn-a-o_cvHon ~ ~ . CF1 icurrsnt biring period: 30 days !Purchases 511322.04 0.06230% 22.74% V 22.74% 5211.61 50 ;Cosh Advanws 50 0.07121% 25.99% F 25.99% 50 30 rates that apply to your Accamt aro either fined ~ or They rosy vary i1n as Hated above. Wisj, you could sort fhees purchases by amgmf, dsseripHan or aategoryR You oan - at ;your purchases onrna as fur bock as 12 months. Learn more of Diseovereard.oom/pur~ i b view _~._ inportrltd6miMloi~./ kmdbru~aiep.Oebldrbihpw.la~r~,asr0~.e.deafa«npepewr'.a~anrii,yorlent:~noe, ' '&a.>pakC>tiplim6r' `rbtirCerdma~arapaomedaenMionaetliekwudynlrAdootK ~ •leataioeoka~n4. bMiediM'yiLf:oet~800,1q~e3. eeslinrrpnbeiamin.ir: Gasd~aQwdoniACoiil6a[8!'M,ybnfi~kya~i6ibwraq;a~ou~maeh~fa~Mimshogatenadpimparbil.w~le'Wa+a i $ apwlt~liegtdplpeYal _ ~OBolt30121,SrRLeksGgtlTFAe . ssaaonMpooeilM.Mi~a~tlwriamyouroMlerfyn60deyr=aAxwaaMitlNwtlie~t6il mriNotrtl~«ioKa ~ppiir~liNouortMMpNarosADuleafp~ox~Inoip~aNw+purri~lnycufjtlaCglwurtheblowi~gn~n~eton. 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O~ITBICtOT. i DISCOVER ~°"' ~lO"Ce lwnimum Payment Due A«ount Number ending in 5471 511,262.13 S234.00 EntarAmountEnebaedBebw CARD Payment Due Dots 1~eCelnbeP 19, 2007 ~~ mQke check payabh to Discovx Card or OnItM ~ Diat:OVerCOKI.COflI. ZO SDSNBA01 0017016 BOWSER, SUTANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Address, s~maJ or telepftora change$ Print change in apace above, or go ro Disearor.can. Print your e•mad addrssa b roceive imporfattt Aoeourd kJormaFion and speelad offers. Go paperbse and make your account InfortnaAlon more segue with ptsss~stord- only you can ttsx~e. cam more at d7seoverrcartt~stptsHess. po sox blo3 liinrilrrrrrlsiiirrslrrisi CAROL STREAM IL 60197-6103 Irllssllrtturllltlstltsrltllrurrllllsrrrrllrllrtsrtllalrrll 00000198b45812443085717r262]t300000000023400 ,. Discover More Card Account Summary ~ Cbtting Da!!s: t~bvember 20, 2007 pogo 1 of 2 /4~counF number ending 1n 5471 Ptwious Balance s i i ,270.96 i Payment Dw Dak Oeamber 19, 2007 PaymarAs And Crodit: 227.00 Minimum Payment Due 5234.00 Purchases + 0,00 Credk UmR 611,300.00 Cash Advanesa + 0.00 i Credit Avgiloble =37.00 Baktnee Transfers + 0.00 Cash Crodit Limit 65,800.00 F6wrrce Clargss + 218.17 ~CoshCreditAvailable 537.00 _ NewBaianee _ ~~11,262.13 Casllbadc BOrn13' Opsn[ng Cashback Bonus Balance 6 16.02 New Caahbaek Boma Thia Period + 0.00 i Cahbarlr Bonus Batianoe 5 16.02 igas~k_Boran~Annivsrsa ---------------------•------..__......_----------------..__-.. .. .. ~ ry--....------_.__ _...... -- t MaMh: December i Haw Can We Hai You? ' . visa laPeoeveroarr -a pay year b11 Far ra ~, "eve yyoe P latnt Aeeorga inFomtdion, cam and r.deern rehwrds nand more t#'s your choice - 3 wcrys to help 2. cgs t.BOO~lscovER (347-2683) for fast, cagy aelfsrvice i opiiau or to speak wMh a CustoRrer Service Accoun- Manager Pboss have your Discover Card ovaBobls. 3. Write us aF Discover Card, PO Boa 30943, i For TDD (a::ialarwe 6or hearing impairod] see rwerse side ~ Lake City, UT 84130 Transactions So Fraud ffab~ty Guarame. Ua. your Diaeovsr card wHh confidsnee. Trans. Post Dale Gate PayrrrettAs and Gedib Nov 10 Nov 10 INTERNET PAYMENT -THANK YOU $ .2R7,00 ;f=inance Charge Summary i Balance Transfer oftar for current bikkrg period: Dilly Periodic Rats: 0.02164%; corresponding ANNUAL PERCENTAGE RATE: 7.90%. Rant Is wbjeeF to Nte bona of the offer inektding sxplralion. Nominal AAvq+sry~a pp~~iy AhYiUAI APO~iUAI 5~ ' R~ ~ ~~ ~raruaclion _ 18~_ ctXrsrd bi9ing period: 31 days Purchassa 511296.12 0.06230Xo 22.74`x'. V 22.74% 5218.17 SO Cash Advances 50 0.07121' 2'5.99% F 25.94% 50 50 ;The rates that appy to your Account are either fixed (F7 or they may vary M as owed above. ~' Wish you could tort Huss purchases by amount, dssuipNon or aslsgory4 You can - register ~ Diacovereard.oom to view yaw purchases online as far back as 12 monHts. learn more w Oiscovoroard.com/pwew hoses w,,~or~e.e ~ rw. a4nw des ~.a~.~,a. a n..a~.arw r~pA. M far pie mrY vsy h aieouni wr wM bl you an sedgy rtpiM airy eaNr wen wiixideYdan Ir mprtlyateWrwitEend al ararYle 1iYoltrredonedxiutyorraeoouMbaiedti tekasYe.LeYpaymerMe,rdeeed i~aYlaeandpa~wentlletery'dyoatAoooritleos6t '' epNwee ddl!1s:~aoow~ POBox 15316. WAxY~bn~ 0E ~986Dd316. 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'twos,eddexe,IaetaleteplronerxrtiberandAamrerterxabee ; ~alaatepogadbyarAamietmiwedMs7l~PalY~~. ~ PekrtrlkwDdenosanyorrP~~9dY uMaM~Iwaa~natixRoerPeFOageFiw~aaChgeeennaw i tdfiwMiidudesl~erro3eFiarroeChrpeamwoeerrerr ~ i t+watiietwa+~ifnwdiawpbywirMxtYPranlgaReM. ~ upe.WaMatlo9rw gqssaetnaaaelonWepotiee,kws. foaWeparVYewiie~folawipeprdonbaonpaMPerbdic ~~irrInr~~aeetayax4xaaa,J4eaaenps~BeAxneir .~ Ixethe Dn9 aeehtertea, al »IpJ1~•7/N; Borg u~c~eerwaenya and DitgollerrepteoerrYdnesbrqueRy eee~IrAr±aepuP~ (lwi~ AMalher FDIC. ~ i i i i i Oi1BK10T .~ C(psjpg pie; S~OWS~ER~S,U~ ENE E in 5471 DISCaVER No~n.~r zo, 2007 page 2 of 2 "~ Cashback Bonus ® Award Summary Cashback Bonus Anniversary. Dale: December 20 Balance Previous Cashback Bonus Award Balance ~ 1G.02 Purchase Award This Period + 0.00 Cas c Bonus Awar Tots 16.02 Cashback Bonus Award Balance Award Avaifabb io Redeem 16.02 $ 0.00 f ,Realrtclio~t apply b 11~ _Caahback Bonus P~B~ visit p~~rcom~ or 1-80o-DISCOVBt (1.804347-2683) for deFaila For pro8ram cwrala, sea Nro Cas Program Terms aid Co~ilioru. Di5C4VER s .~ e CARD 20 sosnisaDt oonot~ BOWSER, SUZANNE E 3947 LENMANE DR STE 120 SACRAMENTO CA 95834-1971 Minimum Payment Due Account Number ending in 5471 5224.00 Enter Amount Enclosed Bekaw Payment Due Dale $ Jmwary 19, 2008 p~ make cheek payable to Diaearor Card a pay online Q Diacovercard.eom. r3o paperless and make yaw eccount on more secure with passerord- ~ o r ma ti I n r~ pp n t ~ a d ~ ~ e Leammore at d er .crorrdp p rless. PO BOX 6303 1E~ur~~nus~r~~~nsln~a~ CAROL STREAM IL 60197-6103 Addroaa, sanail ortslephons ehongsi Prim change in space ~ ~~rr~(nnn~~~r~n~ur~~~~uur~~~~uur~~s~~uur~~n~u~~ above, ar go b Dlawwr.com. Print your email address to roeeiw imporhmt Aceourit information and special offers. 00000198645812443085711236610flfl0000fl022400 ;Discover More Card Account Summary ' Qoailtg Dde: Dsoatnber 20, 2007 page 1 of t i Account rxrmber sndirg in 3471 Prwiow Bobnes 511,262.13 i Payment Due Date JarwaQy 19, 2008 Paymer~ And Credits - 234.00 Minimwn Paymerd Due 6224.00 Purchases + O,oo ~ Crodit limit 611,300.00 Cash Advances + 0,00 ~ Croft AvaAo6le 563.00 Balance Transfers + 0.00 Cash Cr+edR limit 55,800.00 Fnanoe Clr e + 20848 ;• CaabCrodirAvailable 563.00 New Bakmee 11,236.61 dye Opsnir~ Cashbadc Borws Balance 6 16.02 New Caslrback Bonus This Period + O.00 Cadsbadc Batus Bdro-es S 16.02 ~Caal+back~Bortua~Ann' rversarY-------_..___..-• --• ---• ---~-- -----•--------• ---~•----------------------•-----•----- Month: December Cashbaek Bomssr<Ry is America's 81 Cash i Rewords Program) fu15% Cashbook Bonus on Ger Mae purclwses to popularcare~ ea o tMouglrout the year and up b 1 % C,aa~ k Bonus on d your olMr pueahasss. How Can We Het You? P 1 • vas<r oiaaeM.roam ~ pay yewr bi ~a. no eosty vi.w latest Aocaunt in(oemaiion, .an and rode«n rwvds rand maro 1tr8. YONf tiloiCe - 3 Ways to ~@~! 2. CaA 1-800.DiSC0VER (3472683 6or fast, easy sel€serviw s i Please lwve your Diacov~er Cad awilabk. options or b speak with a Customer Service A«ourir Manages 3. Write w at Oiacover Cand PO Sox 30943 i for TDD (assistance bx hearing impotrad) ace reterse side , , Safr rake Ctly, !!i' 8.t i 30 Trra~sactions $0 Frasd Liabtlity- Guaattes Use your Discover Card with confidence. ' ~ ~ PayrrNrds and Gredils Dec 10 Dsc 10 INTERNET PAYMENT • THANK YOU $ -234.00 Finance Charge Summary 8arance Transhr after for eummt biAtrg period: Daily Perbdk Rate: 0.01616% corro~ondir~ ANNUAL PERCENTAGE RATE: 3.90%. Rorie is b 11+e terms of tfie offer inckding expiration. ' ! Bates c ~ R~AT~~ ~~ Transaction SdiABC~ F ~d~ current billing period: 30 days _ ... r Purclwsea 611277.27 0.06162% 22.49% V 22.4996 S2o8.48 60 ! Cash Advances 60 0.07121 % 25.99% F 25.99% 60 60 the rates that apply to your Aaeourrt aro either fixed (Fj or they may vary M as noted above. Mpaahl xn.i.wmnr.lWriaMpp.br:tiRgw~anf~{a.«neeieka.ai~pep.br.dd~ion~l;mvae.tnrona.fan ' laayont YarArdMmDagrMS#donloinaalhbmo~aya~rllooounL MdyfCeNl~E0Q3/7~83. CxaeaOae~IbMAhod14g8i[yyaa~~Nnkyoiahiliaviean4;a.~yaueeed+rantkmMlion~Eoitetawctfanaayar6a.wiiusana i '09ot37~27,SNtlakedgtlR9h3DOt21 asaomapoerEb YN~imatNea-Masywmlput~60da saRawaaaM auUrfdt6i 8 . y y i li.llbuan.wlephpens,4u~dpbQaevinotpiaa~na9otaid~.bYaslrlMryNauaC~obfawig~lioll\~M01C k p. I . 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Trr,..fGnn F.. ~a,.,:,.n ---„titew.,..~w r, ~ 4Mfl ualsmau, a~,tJ11~lI7.71N; heMwa~ you #~ D.i4orer ~ to gn~fy R~~ P llernberFD.IC. i i Q17HRf0~ New Balance Minimum Payment Due Account Number ending in 547 ~ DISCOVER 611,224.61 S22'l.0o Enter Amount Endoad Below CARD Payment Dus Date s Feb,uary i9, 2008 Pksaas make check payable b Diseawr Card or pay online @ Diseovercard.com. 20 SDSNBA01 001701t! BOy15ER, SOZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 OO psperleas end m8ke y«,f eccourrt intonnatlon more ssctae vrlttt patssttrard- atatentertts ordy you can access. more ad discovercomipaperless. PO HOX b103 ~~`u,~jnara~a~~~r,a~ar~r~ CAROL STREAM IL 6019?-6103 Address,a+nailortek+phonscFwngs9Printcfiongeinspoca {a~~u~~unu~~~ti~u~~u~r{~nua~~~~uitr~~r~~uua~~u~i~~~ oboes, ar go b Diacover.com. Prim your s~rrwil address to reesiw impotent Account information and spsdal offers. 40000198b4581244308571122461000000DDD22700 Discover More Card Aaount Summary Closing Dah: January 20, 2008 page 1 of 1 'Aeeourrt number end'mg in 5471 Previous Balance 611,236.61 'Payment Des Doh February 19, 2008 Payments And Credits - 224.00 MininrumPaymentDue =227,00 Purchaasa + 0.00 Cn,d'it limit 511.300.00 CaJt Advances + 0.00 ;Credit Avaik,ble 675.00 Bdaiee Trandan + 0.00 i Cash Credd limit 65,800.00 Finsrrta Charges + 212 00 ~Caah Credit Awilable 675.00 New Balance . = X11,224.61 i ~ CaS~lbOt~C isollD:e op.nirlg ca:hbadR Bones Balanc. 6 1 t5.O2 New Cashbodc Boma This Period + x.00 ~ Cashbadc Bonus Bodasce 6 16.02 ~ ry------------------ -~Cv:l~ackB°fm'®~tm^iYem6 --••-------------•------------------------------------------- ;MonAr: December aek Bonus{R) is America's #1 Cash ds Program I Fuk 59~ Cashback Bonus t Mora purcJraaes in popular bout ilte year and up to 19Y. Cas ek a on all your other purchases. i iHow Can We Nel You? P 1. Yis? Ditteverrtma- b bit ter sso parrar- ~w~yo ksteat Account In6omralion aan axJ n,dsem rewards `xa d ,It's your ChOICe - 3 ways to ~~ , r mar. 2. CaR 1-BOODfSCOVEit (347.2683) for (ost, easy a.liservlca ~Pkaae haw your Diaeanr Cad ava0able. options or to apsak wld- o Cuatoma S.rvloe Account Manager ~ For TDD (~ boat ,m i 3. Wriia us of Diaoawr Card, PO Box 30943, ~iatanca rrg " pared) ase reverse side Safi lake Cit)r, Ui 84130 ETraRSachons $0 Fraud l.iabf(r ly Guatanlss Use pour Discover Card with eonBdsnca. Trans, coq Dole Doh ~Fapraab and Gadils Jan 5 Jan 5 i i INTERNET PAYMENT -THANK YOU s -224.00 ;Finance Charge Summary $alanoe Transfer otlsr far currant bRing period: Doily Periodic Rah: 0.01616%; comsponding ANNUAL PERCENTAGE IRATE: 5.909K. Rats is subs to the twins of the oiTir inckding esrpiralion. Nomind eri~odic ~ ~H~ITAGE F Traaadion F ;current bi9ing period: 31 days ~ 611223.77 0.06093% 22.24% V 22.24X 6212.00 60 !~~ Adwnosa 60 0.07121 X 25.99% F 25.997K 60 60 ;The roles that apply td your Axourrt are either fvaed ~) or they may vary M as noted above. i s4 bpabitbtpnMlMoie Yiicibfilnar;pp~bbbbi~MM~nrriaNObEede~otMdspe{pi0[AddiofrlingaYntiManwlon. s a~ BN:yprCahtebtr ~ 16~rOrdieushrepweeolmYiiselhMnadpurAeoanl. s 1a~fa~loGRi;iirEe.bee~deklylGl'1~00347.~i. ~ rrtpR~b eAetafF~rLwaQueAoni116out1fa<Br:rga4l~nkyeirbMie aifyooneedmasidam~fon~bottetd~fonmyourb~,wdeus6ne i 8 yepgel-elbetd~iprr 7'OBmt30121.3Ytt.~lieCigtUFdi1 33 00-0-011 22t1 eseoans WimwtkertobyprroYYrhnEOdppYlxrssaatycuh~tdl a1r'A~ich.henora tppNnd;''scarR4lpmMSK6uldoinpa+o'tl~nolPrr+r•~InyasM~plwwh(alarisYbfasn~: i ~ m •liweameeedAaepeil •~Aeaoireerorotath rar. v •RreafieUeataa9d rf~onaRwMl~4~befsaMN~-snwsor.r~sawdmoraisfom~On.deeatr~h.~lmriaeiauwna6aal, i i ~~oAad.reawr •~n_~_yin,r~,ws..hw~,.ewy~«r=woer~babv~r.hp~aayoaa~tiwero~gb,w~w.y~o,r weemhl ae aWranyaofonbaledlseamwA7la+qurla- i rpdeireMrorQeal! hletw;rjonlrwrspsotleset~AlheQwRyd~akaeerr(anh4youpuduedwthiaedtae/indyeulrwrYdagoodtsllhboawa hpsotl~rtelsee you ' notMrebpiyhrerrbis9aeaddwahOoodeaeerviaaYeulrwtiepraeectoeanfyWrnhouwrhewpbweeoeowhn tSnMdh~"_' b-wM IdNebai~inlODnie~afyarm~10~d8rae.p(rwowAaaprMeBrswsabunl,armsaettdyarli~.~diwlbsobdlaYr beinad' . ~ . . !pK6iiMxtsonhasyoaiooouM'eaoona~l~s~raedep+lswcai»yaurP.ePdyaugieno4roodw7lar kidcMonl7Garisrndel --~P~brd~ em~etopealArheh M7bdeMyedYpat~eod~aeh.oa:~adrrsa~IrcAros PgtorM,i~youa~sdh-0~bagruh-addi~esaryau.us.ro---~- psoridrd seo~a»abprap.-raA,aa.poc«ispho~ynyigeerrmsanmyay,rYe.wdeaayaa~coow.ah~ax ~ Palennbeeoeiredetar nreer,~POeoxra3,_, Ner9PYbeelirrriiDeardteda l~mouKa-ahe.asy.r MreesYpNoedyar«Nelop~e,eend vx„«,cq abeenj,t_ .a~.Prw~r~ ~aadi~ab-+r.ura+rvr~c~~a.,.~,.h~ubo~rrar01«w ~~x. 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' FerTDD , _ O~MeetafiKDMiIa~M4eae;af}~1-147.74N.' i AMK~~?-..... ~loeeatFbehlMD.i~Pd.lePs'pMdehek+r4u,F4'+a4[fiS~PuRotee ' TgeOjetAres' arsi ~ ~!!!~ Dpoove- ~eriR, I~teraberfDiC. i i i i i QiTBlC10T DtSC~VER sNt 1 197.75 CARD 20 SOStJ8A07 0017018 BOMBER, Sl12ANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Minimum Payment Due Account Number ending to $471 5220.00 E~sr Amount Enebted Below ~,~.~ Dus Dds s I4 -`-1 March 19, 2008 p~ ~aks check payabb ro Discover Card « d pay odine B Disoovercar .can. GO p8p2ri8~ Bfld make your accoll:k inlbrmaUon more se«rg wiM p~exara- apr teaed oMy you ten acoeae. Learn more of diecovercontlpaperless. PO BOX 6143 ~~~sn~~sssss~sl~~srr~ssEs~ CAROL STREAM IL 68197-b183 Address, e•mad «telephons ehange8 Prim thongs in space , ~~rr~~nun~~~r~n~ar~s~~urrr~t~~usn~~r~~nur~~u~n~~ above, « go ro Oisooaer.eam. PrtnF your eanail address to ' receive important Acoourrt information and speeid olFers, 0000019bb45i3324430857111977500000000022000 Discover Nbre Card_Atcount Summary ~n9 Dais: Febnrary 20, 2008 i~ 1 of i Account number sndurg in 547 i Provious Bakuia 511,224.61 Paymad Des Doh Maeh 19, 2008 Payments And Gsdits - 227.00 MMimrmi Payment Due $220.00 Purchaaa + 0.00 '• Gedk Limn :11,300.00 Cash Advances + 0.00 GedB Available $102.00 Balance Transfira + 0,00 Cas!- Credit limit 55,800.00 Fian a Charges + 200.14 Cash Gedit Awoilabls 6142.00 _ New Baksncs $11,197.75 (Cas~tbaCk Bonuse Opening Cashbadc Bonus Balance 6 16.02 New Cashback Boma This Period + 0.00 C.cahback Bonus Balance 6 16.02 ~Cashhadr8onus~A+~niveraary- ---------~~-----------.-______.,.-----.-••------._._..--•---.._ ~ Month: December Cashbadc BorKa(k) is America's #ri Cash Rewards Arogaml Fu1 S% Cashback Bones ion Get Mon pundrasss in popular duaughout the ye« and up ro 1 % G~ Bonus on afi your odrer pwclrasss. How Can We Hel You? 1. wait ~ ro pay yarr b1A ~ ~. ~.a~,~.w your P kslest Aeoount iniormdton, cam and rede.m rowards and men !t's your ti:!>toice - 3 ways to Ilan 2. Ca11.BOO.ascovER 13.47-2683) for [ast, easy aeliservics Pkas haw ~, ~~~ Card oplione « ro speak wide a Customer SeMie:e Ateasn} Manager i F« TDD {assiafana for h ae rewras side 3. Writs u: at Disoower Card, PO Box 30943, e°'ing ~^P°~ Bak Lake Cily, UT 84i 30 TransactiOnS SO Fraud qty Guarantee use your Discover Card wRh confidence. • oa ' c~ Paysnerris and Ceadits Feb 8 Feb 8 1MERNET PAYMENT .THANK YOU ~ •227.00 ;Finance Charge Summary 8dorae Transfer ofFsr for cwrsr>f bi8rrg period: taarly Psriodk Rats: 0.02164%; cureaponding ANNUAL PERCENTAGE RATE: 7.90%. Rate is subject ro d,s terms of the oRer indudirg expiration. pp~~''MM ~~ Transaction is ~ fFRAf3E ~ ~ P is FS~ • current biWrrg period: 31 days - Pracboses 511226.46 0.05751 % 20.9996 Y 20.99% 6200.14 60 ;Cosh Advanxoea 60 0.07121 % 25.99% F 25.99% 60 60 Ths antes ttrd apply ro your Account are sBhar fixed tFl or ~Y may wary M os noted above. btpoi0titl MrisNmawMaro'P+p~b~ddnO~rtNM.slebehedrd~h~pelorAdJlbddiapoebki~angtga ~ ~~ YIltrCetdmAir~rupreaAedaAMtYsrtieOpmAdyatrpi0ooutt CafunloYtEeirdti: ImAiAdfAMIy~CAtl~0.34T~8&i: ~AAYp~ li ~af6roaiaGtweeattiA6atlYaA.tlt! 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Mhtglya[ddlateWbt tMM AL.11wa'iapaOeiyEahttoA4--- -=. i ~~M~' i •rpAEArddgshM.kinQgde. a~oAAtm~rwar~ieAdmaa hpoows;wsxtibwttte•Aneeaton ; iAnoe tsrter~trnwriort ~~ b bYwdawWdpudwA ~la,8denoA.Ttaaefw7YrrAetioe ti1TBltl07 ~1SC©VER New Bakxree 511,761.16 Minimum Paymerd Due S232.00 Account Number ending in 5471 Enter Amourd Enclosed Below tARD Payment Lrhrs Date Apra 19, 2008 Please make ckreck payable to Discover Card or pay online O Discovercard.corn. 20 3DSN6A01 0017020 BOWSER SUZANNE E GO~~'~°~~o~ , Intarmatlon rnore secure vvRh passvvord- 3947 LENNANE DR 5TE 120 r~srt~ xod only you can aocaas. ~di SACRAMENTO CA 95834-1971 more scovercorniPaP• PO SOX 6103 ~~~us~~sua~r~~~ns~u~s CAROL STREAK IL 60197-6103 Address, e•mai) or telephone change4 Prird charge in apace ~ ~~ ~~mru~~~r~u~ n r~~unr~~~~nw{~s~~rrur~~u~u~~ above, or go to Diaoaver.eom. Prird your a•mnr~ address to , o r ~ roasiw impaled Aa~riM infomralian and spactol oFfers. 000001986458b2443D857]i176b1600000000023200 `Discover More Card Account Summary '. CSOSing Data: AAarch 20, 2008 Page 1 of 2 Acca>,d number ending in 5471 Previous Balance 511,197.75 ~Paymerd Due Dace Aprii 19, 2008 Payment And Credits - 276.29 ;Minimum Payment Due x232.00 Purchases + 648.84 Credi-UmR x13,300.00 Cash Advances + 0.00 ;Credit Availoble 51,538.00. Bakurce Tmrrafirs + 0.00 :Cash Cred'd limit x6,800.00 Rrarae C4rawges + 190.86 Cash CrsdiF Available x1,538.00 New Balance x11,761.16 Casltbatk 8onuse - Cipening Cashbadc Bonus Balerce S 16.02 New Cashbaek Bonus This Period ± : Casltbadc Bonus Bdlanae 5 17.50 ___ Gaslrbadc$onus®~tmi - -----------•~----••-----••---•-------------••--------------.. ;Month: December adc Bann(R) is America's 81 Cash ds Progmml Fu# 576 Cashbaek Bonus bout the y upX Cashback on dl your other purchaas. SHOW Can We Hel YOU 1 • VisN Dnaover~cem ro PaY 1~- tilt far ne cost, view P kded Account litformaflon, cam and redeem roward~and more .It's your choice - 3 ways to help 2. Coe 1-BOO.DISCOVER (347-2683) For tad, .ary se~srvie. :F'Isase have your Discover Card available. °P~ e' to speak vvRir a Customer Service Accarrrt Manager ~or TOD (a:sidanas For hearing impaMsd) see reverse side 3 ~ ~ lake CttyslJ~i~84 iC3~0 , PO Box 30943, ;Transactions SO Fraud Liability Guaratth. Use your Discover Card with oonRd.nce. PDm~e iPaYme^a and tk~edBs Mar 2 Mar 3 THE HOME DEPOT 84149 CARIISIE PA ~ .56.29 • Mar 7 Mar 7 INTERNET PAYMENT • THANK YOU -220.00 -`h4~fruTnih`ss/Rixri----- --ivlart-- 'hlart--TA1tP.aET'CARUSIi: P1C•-----••-------------.._----__..-- --~,q~.------. Mar 14 Mar 14 PHARMACY MALL ORDER, INC 7605985200 CA 79.90 Mar 15 Mar 15 A.C. MOORE ARTSd~CRAFT 82 MECHANICSBURGPA 32.64 Mar 16 Mar 16 HOUSE CtF CARDS CARLISLE PA 27.54 iRestaueanfs Mar 16 Mar 16 ARBY'S 85877 00058776 CARIISIE PA 38.16 Mar 17 Mar 17 BOB £VANS REST 80281 CARLISLE PA 12.99 !Gaaol'irs Feb 29 Feb 29 FLYING j CARLISLE PA 30.00 Mar 2 Mar 2 FLYING J CARLISLE PA 49.17 Mar 15 Mar l 5 SHEETZ 00002329498 MT HOLLY SPRGPA 5.63 Mar 15 Mar 15 FIYING J CARLLSLE PA 44.72 • Mar 15 Mar 15 FLYING J CARLISLE PA 65.38 !Home Imprewareat Mar 1 Mar 1 THE HOME DEPOT 4120 MECHANK:SBURGPA 139.60 Mar 1 Mar 1 LOWE'S OF CARLISLE, PA CARLISLE PA 47.60 Mar 2 Mar 2 THE HOME DEPOT 84149 CARU~E PA 56.28 bMawa~amiae..r ' asAa.ek~m.dao~a~earo~nikkc,»fi.Odra.on~eto~.aa~ringonrk~~kram.c~. q aMyomicrdnwNr' '~iraibw~irapn.we+otaelralfk.bna.dYa.aaeao~l ~ ~.r'abw~«.+.. ~ a~~.eoo~r~. 8riyp•'y~(^~^~ iirbar~t Gii~ad~5raaarO~forsAEdWYhur89t'Ifyaue~U~nRyourhl(swrwkp:ai~yO0UUwedmwikba~wknab0iAa4eilwGior±aajiarb7,wioieiai.a ! $ ~d~~'~, QOM.~~~$r1~a(~UTiit~.0.0at~a~lDOa YpOlQNa. 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DNOOVer&gl~ IkNmber FDtC. i i i i i OtT9R10~ DISC®VE~ CARD Ypeysb BOWSER, SUZANNE E i~®V~ Account number ending in 5471 t'7et Q~ SeCUti~/ W1~ 1'10 (X'J~'Ie1' ~%t1l~ Moke your account information more secure with password•protecled statements That only you can acuss. • Access up io 24 months of downFoadabie, printoble statements. • See your statement as soon as it's avoilabk rather thou wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paper{ess X2009 Dkcarr Bent:, Fhmba FDIC Closing Dale: March 20, 2008 page 2 of 2 i i i r - - ~ • - --...--- ••--- ____..--- ---~----~~------ - i i i Finance Charge Summary Balarxoe Transkr offer for crxrerd bluing period: Dofly i'eriodk Raro: 0.02164%; Corresponding ANNUA[ PERCENTAC3E RATE: 7.90%. Role is subject to the terms of iln offer inckxUrig expiration. Aw odic AGE AGE i TransaeNon ~ ~°~ current billing period: 29 days ~Purehasss tt1444.~0 o.os75i% 2o.999G v 20.99`X• .190.86 So Cash Advances SO 0.07121% 25.9976 F 25.99% ;0 :0 i TM rates dwl apply m your Aeeourd an eAher Rxd (Ff or ~Y ~Y `~*Y Nl as Holed above. Q!/eS110nS~ Manage your account at Dis~eav~neom or call 1-800-DISCOVER (1-800-347-2683y. D~~1r~VER New Bdance Minimum Payment Due S 12,970.40 5256.00 CARD Paymad Dus Date May 19, 2008 20 SDStd6A01 0017p21 BOWSER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Account Number ending in 547 i Enter Amount Endossd Bekwv Please make check payable to Diaeovor Card or pay online @ Discowrcard.eom. C3o papedeea and malts your account inforrrtatiort more aeaxa wRh peasnaM- atatemerrts ordy you can access. Leam more at discovarcotrdpaperkss. PO BOX 6103 18oJlrssrr6111rrrlrrL CAROL STREAM IL 60197-6103 Addnas, efnail or telephone change;; Print change in space ~rllullnunlllrln~udrl~uurl~lluusilslluurllsr~n~l oboes, a go 1o Discover.oom. Print your e~mad addreu to roeeiw important Account infomrcdion and special offers. D0000198645812443085712970400000000002560D Discover Mor® Card Account Summary dosing Dade: April 2o, 2008 ~ 1 of 2 ;Account number ending in 5471 Previous Baksnee 611,761.16 ;Payment Due Date May 19, 2008 Paymerds And Credks 232.00 Minimum PaymenF Due =256.00 Purchases + 1,226.85 ';CrodrT UmH 613,300.00 Cadr Advanass + 0.00 Creds Availabb 5329.00 Baksnce Transten + 0.00 ':Cash Crsdrt Unit (6,800.00 Finance tlsmges + ' 214.39 ;Cash Credit Available 6329.00 New Balance S 12,97040 Casllbclcli: Bonus® Opening Cashbook Bomsa Balorrce 6 17.50 New Cashbook Bonus This Period s ShopDiaeover S Promd'ronal + 3.00 Ewryvvhen Else + 3.49 -iCashbackBorws@-SinceMnlwrsaryMoMh---------------- -- ------- ------------•------ ----------_------ 97 CasK6aefc Bonus Baktltce ~ 23.99 67 b . ~Decem sr: ~CONCiRATULATIONSI Your Caahback ~Bonus(Rl is ww'ling for you. Vbit Discovsroom a caA 1$OO.pISCOVER (1-804347.2683) b ndsem. - ~ ? ;How Can We Help You. 1. teak Diseova-rcarrs to pay year 68 (or sw asst, vrow your kriest Account intarmaltan, cam and red..rn rewards and moro It's your choice - 3 Mrays to help 2. CaA t.6o4ascovER (34~ 2683) for fast, .asy:aiiaMria. ~Piease have Discover Card availaWs. Y~ options or to speak wHh a Customer Service Aaxurrt Manager 3. Writ us d Discover Card, PO Box 30943, ;Far TDD (assiatarrce for hearing unpaired} sae remorse aids Sale lake Cily, UT 84130 'Transactions $o Fraud Liability Guarantee Use your Discover Card with confidence. n Da te ipaymerris and Cndib Apr 4 Apr 4 INTERNET PAYMENT - THAi~RC YOU ~ -232.00 jlrleralsasdiee/Beta; Mar 21 Mar 21 RHOADS HAttMA1tK MECHANICSBURGPA 50.02 Mar 26 Mar 26 HOUSE Of CARDS CARUSIE PA 21.18 ~s--••----_. ----°-- ---•-7Vtar29~-7u1ar29"-DI 1Vr-`-'P7C--.--------- ------337.72-__.._... Mar 29 Mar 29 DICKS SPORTING GOODS M PA 83.54 Mar 29 Mar 29 PETCO 1891 63518914 MECHANK:SBURGPA 74.06 i Mar 30 Mar 30 DICKS SPORTING GOODS M PA 21.19 Apr 12 Apr 12 MB~T CARPETS INC CARLlS1E PA 339.36 Apr 13 Apr 13 WALMART SC - ~t2574 CAttUSIE PA 141.99 Re:h Mar 22 Mar 22 TEXAS ROADHOUSE af2286 CAMP HILL PA 76.22 Mar 25 Mar 25 CARRABBAS ~t3909 MECHANK:SBURGPA 112.74 Gelatine Mar 22 Mar 22 TURIO:Y Fel 00079 Q69 LANCASTER PA 36.00 ':CsoMerrrnesd Services Mar 26 Mar 26 CARUSIE BARRACKS CSDE CARLISLE BARRPA 15.17 ~Flerrse Mtrpraveraent Apr 12 Apr 12 LOWE'S OF CARLISIE, PA CARLSLE PA 17.66 lnformatron For You Congrahrlatiaul Your Aeeowd's cash credN Virrrit has been increased to =6,800.00. .- ... i.porMiRGkmtlbn.r ~ i<wa'atMe«ievDebw~bFY~,ae+~.bii3d..atr{rp.tor.daliarl+mpon.raamwra. 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Sign up today at ascov+er:comJaS ®2009 oi.mvrr Bonk. iA•mber F01C aadng DaM: Aprff 20, 2008 page 2 of 2 i i i i 0 4_______________. ...._.. ..__. .... __. .__.. .. .... ___~_. Finance Charge Summary i Balance Transfer offer for oumad bi1M~g period; pony Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE r RATE: 4.90%. Reis is subject to the isms of the offer indudtrtg expiration. Nominal Trcrosnetion i A ' y e ~'~oiYdie PER~CB AQf ~ ~~ F~ RKI~ RATES IAi~ currant billing period: 31 days Purchases 512472.06 0.05345% 20.24% V 20.24% 5214.39 SO ;Cash Advances SO 0.07121 % 25.99% F 25.99% SO SO Tir roiea that apply b your Aeeount eee either fowl ~ or they may vary M as noted above. QtfleStl0fllS~ Manage your account at pisew-ercom or (call 1.800-DISC0VEtt ~1-800.347-2883. r' DISC®VEI~ CARD New Bakvres Minimum Payment Due $13,018.31 S256.00 Paymerd Due Dots Jwre 19.2008 20 SDSNeA01 0017022 B01~SER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Account Number endi m 5471 Enter Amount Enebaed Pkaae irtake ehxk poyab(i to Diacowr Card or pay online ~ Dixow oom. Go paperleaa and malro your sccount information more sepua wRh paasvrord- protected at~errrerrta aNy you can access. Learn more at discovercordpaperless. PO BOX 6103 ~~~aaa~~uaaa~a~~~na~u~a~ CAROL STREAM IL 60197-6103 Address, email ortslepiwns dxuge9 Print eharps in apace ~rj~n~~innrl~~r~ulur~rl~rnu~~~Ernul~i~~uur~~n~irl~ above, or go b Dixavvxoom. Print your email address b rocsiw rnportant Aetount inforniation and spax:id offers. OOOOD19864581244308571301631DOOOOOOOD25600 'D'iscover More Cord Account Summary dosing f)afe: Mcy 20, 2008 peg. 1 of 1 ;Account number erx$r~ in 6471 Previaua Balance $12,970.40 'PaymsnF Due Date June 19, 2008 Payments And Crsdila - 256.00 Minimum Payment Due 6256.00 PaKdwses + 85.96 ~Crsdti l'unR 613,300.00 Cash Advances + 0.00 Crodti Avapabls 5283.00 Bakmce Tranafira + 0.00 Cash Credit IJmR =6,800.00 F'naaoe C6roges + 215.95 Cash Credit Avaikal~te ;283.00 New once ~ 13,016.31 Cas416ack Bonus' ;Gaahback Bonua~$inoe Anniwrsaryivlarth- - D.c.mb.r: - s1o.39 {:ONGRATULATiONSIYcur Caahbadk iB~w+~) is wailing for you. Visit Diamvsr.eom creep 1.800~DISCOVER ~(1.800347-2683) to rodssm. Opening Caahback Boma Balance 6 23.99 Nsw Coahbodc florws Thies Period ESho~pD'acoveEr~ Promotionol + 0.42 Cashbadc Bonus Balance 6 26.41 ;How Can We Help You? ~' • vi'" °~°~'~ ~° r~ ~~ ~'Oe ~', ~e~your kstat Account inFOrrnalion, cam and redsern rovvarda and more sltrS yOUr Choice - 3 ~Ys to ~Ip 2. Cap 1.800~DISCOVER (347-2683) for feat, easy aslfssrvics 'Pkass haw yaw Discover Card available. °PMOn' orb :p.al: wiih a Cusfornx Service Account Manager iFor TDD iaton~ for hsorin im see reverse side 3. Writs us at Discovx Card, PO Banc 30943, ~ (O59 9 Pa~+dl Sa[r take Ciy, Ui 84130 c FTransactions 5f3 Fraud Liab(I'ily Guaranks Use your Diacaror Card with torfidamee. TDa1~s la s PayarrsMa and Gndils May 2 May 2 INTERNET PAYMENT-THANK YOU ~ .256,00 Nlerdwnrdias/btai Apr 27 ~ APr 27 JEWEIRY TV •50219742 865~692~6000 TN 52.98 Apr 27 Apr 27 JEWELRY TV •50233540 865692-0000 TN 32,88 ;Finance Charge Summary 8alancs Tronafsr offer For current biping period: Daily Periodic Rab: 0.01342%; eorrssponding ANNUAL PERCENTAGE ATE: 4.90%. Rats is aubied b ihs Mans of Ihs offer including expiration. ti~"!,r~ ~ ~ ,~ ~ f p raaction Peri -e i Rates RATf~ RATiB ~ument biping period: 30 days ~Purchaaea 612981 d8 0.05545% 20.24% V 20.24% 6215.95 60 ~CashAdvarxss 60 0.07121% 25.99% F 25.99% 60 60 The ratsa that apply b year Accourd an either fixed (F) or llwy may vary (V) as noted above. i I YiipaahtMiomryoE Iiisbjnone.na,.pNpbti:.eiinpa.Maim,.erfietikld..a~pxperaraifaielinporantidodneYon,. ~.yow~Cf-diMabr' ' larcar4ntn~berAprfemx~taoiriiellb.MnsayaxAoooaat 'tatbrMoUa:e3ndk1ea}dnriylp!'1~9/T26B3. . .:11f~~(6row«QiedaniMgRl~bur~l:~fyoufi*yoir611it~iyauneadmowbfaaaefdn~takrMadknanYarli,wiMbtisaia I S ~0.ipapR ~0°'~FPOBaat3p421,SdLalonCiq~lRbit ,r4oonrc rt~atMv1®yol~roMrMaQOdryirlerrs~entyopdwi~ib~al rhidi/rma. , ikYOeayfap~aiaua,bAdodipw'fliltotP~l~~bY~~SDM~~Oi~onna~on: •l~rn.:..ed ~~af ~. .hanorliq ...:rYaaan.+Mh-!yaubdkr4hemis'a~~tor.Nyouaedlaashdamefo!!,dlenfbeipMeaikoneroaaeurepoaL lbudoaelkar.b~ay'. worihq~wtoawliwnrai~,bulyouaredAohlpatedbpygaprlsdyaz6ieataenolingaeefon.NfiaweiNS~EpMayaur 4aMioe; yoa~tdeYigiwntahMnyr.~aabodr3ManouRlou~ion. 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DISC©VER' s" z CARD 20 SDSN8A01 0017023 801tSER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 MinMnurn Payment Due Account Number ending in 8471 5256.00 Enter Amount Enclosed Below Paymera Duo Dab Jul 19 2008 '$ y , Please mcdce clrscl: Payable b Dieeovor Card or pay onf'ine ~ Dfacowrcard.eam. Go peperbss orb make your aocounl Information more secure with passwar'd- statententsonlyyoucan access. rn more at dtscovatcornfpapertess. PO BOX 6103 ~~~nr~~usu~s~~~us~nts~ CAROL STREAM IL 60197-6103 Address, e•mad or telephone drange;! Print thongs in space ~r~~a~~uun~~~r~u~rrr~r~~nur~~~~nnrt~r~iunr~~u~u~~ above, or go b Diaeovrcom. Print your amad address b re~ivs Important Account information and apeeial offers. DOD001.986458324430857b29820100000DDDD25600 Discover More Card Account Summa i ry Closill8 Dds: June 20, 2006 page 1 of 1 Account rwmber and'nrg in 5471 Provious Balanw S 13,016.31 Payment Due Dais July 19, 2008 Payments And Credits - 256.00 ) Minimum Payment Dw 6256.00 Purchases + 0.00 ~ CredR Umff 613,300.00 Cash Adrancss + 0.00 CredN Available 6317.00 Bakrnce Transfers + 0.00 Cwh Credit limit 66,800.00 Firrrras ~s + 22170 ~ Cash Credit Available i i '•- 5317.00 Nsw Balance 612,982.01 ~ Ces~tbatk Boltus° Opening Cashbadc Bonus eakxres 6 26.4i New Cashbadc Borne This Period + 0.00 i Caslrb«k Bonus Bcdartu 6 26.41 ~ZwFrback$onus®•Slnce~4nniversaryTVloMh--• - --- •-......-------.-.___.._..----------•------------------------.....__ i December: 610.39 i CGNC3RATUWTIONSI Your Cashback ~ Bonus) is vmfiirg for you. Visit - i Diseovsr.com or taN 1.800~ISCCrVER ~ {1 800347-2683) b redeem. How Can We Hal You? ~ ~ -. Vts~ IKteowrwrs b pay year 1611 fray ne ~•et, rl.w your kalsst Account information, erxn and redeem rewords and more r ItrS )/Ol1f d101Ce - 3 WOE 60 ~ 2. Call 1-800~DISCOVER (3.47-2683) for fast, easy selfservice ~ Please fxrva your Dlxover Card wadable. options a b :peak vrilh a Cuslarrer Servke Account Manager ) For TDD Isf'anca liar fwori im see revrae aide ~ n9 P°~) 3. Wrib us at Discover Card, PO Baas 30943, Sett lok• Ciy, UT 84130 r YranSactlonS 50 Frard lJabiliy Guaranb. Use your Discowrr Card with eonRdanee. ~ Tr+aru, ~ Dale i ' Payarenh and Crodib Jun 13 Jun 13 INTERNET PAYMENT -THANK YCitJ $ •256.00 i i Finance Charge Summary ~ Balance Trarnhr offer far current biding period: Dady Period ic Rata: 0.01342X; corresponding ANNUAL PERCENTAC3E RATE: 4.9096. Rate is subiecF to Ihs terms of the offer Including sxpiralfon. ~ Apvvv~a~~~prrr~~ag• Daily ~ J Res a d~ Nomind Transaction ANNUAL ANP1UAl Periodic F ~NTAGE f~ER AGE Fk~IAHICE FI~NCE ~ ~ R~f--~r~Cr~; ;current billing period: 31 days Purchases 613057.62 0.0547796 19.99X V 19.99% 6221.70 60 Cosh Advances 60 0.0712196 25.99`X, F 25.99',6 60 60 ;The robs tiwt apply b your Aeeount are either fixed lF) or *"Y may vary M as noted above. 1 rpNisiemoletreonrpgeblis ~ i 6ig~leteadnl, eeelb tieekdeadrpepeforeddpb!id impoAarA irdairopon i 8eeyear AyreeaiaitNdrCerdmemberApeenwpootleintetpNfeanedyarAccar~l. ~ ~ last'asbMtt:drdi. - w~edeblylCd'b8G0311~i. ~ ~bDRR~~yy y~~iiedErroriagiwriotrAboulYalrBtr ''NIiNt.Yov6ilb ai~youroedmashkmiefaid~DOtatr~rec~a~anyor6i.NrAeb~»ane; r~ wprelfeiiMld, d[~'iooirx,POgmc3bl'21.8rItlaNeCYKUT8~130~0a'I.~eeoones WswtAsrie~eyeueoWrdra80drysaAerwasentyae.lAeAn~Eilon t1+arAreee4d~ neelbuc+aNlapliauue.Eutdpigeo~inotp+~m+fou-t~Yarlu~PreuelhsaAoeiginb~meiorc i 6 .The 4lleren.~ni 'll~ecied ~Iwr ~ •DpgiOsiKeaa., Yydece4+.+~YY~,bafsie.lhrsie'p+enoF.ryoneeed+op~shlnmeron.deerabsl~sNrn'Fureurursebo~#. lbudoedpweb emaedfngirdoneNeeewbreeppefep,bntrouiseioL~MedbpylAepeutedyarhil~aterenoti-queefa~WNens' aueelb~4e~awnet yaueidoYngrMml~kreMracimioaaUetrieemoudyououeepoe. ~ i spedelRrieper, pMPndrea:ryoupe~ietpdiigWtplea~rd.poodeareerNoeepr!lreupuderedediheae6tordandyoufNeeHedingmdpillibaogect i ulaibutb ~ fedcYumaiott ar ~; Bee 15310,Wpe e ~~yyaaq .~PMfodp eM, and you vril aot aoeiw your dieek bsok 1oRr your f ~pepsnipiyaie ryweendrtepeyeweben) M~.~¢k~ p!49t ~l~4rw4k4~ nMenadapid.Manaerrs b~aan d w aubmaf o wuaenln. Cap ue a11~E00.T172663. Y1 ri M e» eerieeen Payerar Oee ar hs NweElepr~ce h~4~ Noe aMY f~~IaaYrr~h~Ph4Md 1-00 ~PepnrMe eppNdAetep MrDpiq eydei6e ae eaQlbeeeue.Leb eiredpeyaeme,ai oointlPatedt eeoheiaiA,ryout Etp460d,118: ~areeer,eddnee;k eMe d as eplaateciom 1Fawt pa de0e Ie1.Oemeel6n pupil pisJler HeYiooe an ygr pnYian prNp e W ~ IeoeieR a Dip aN6ere~eeoa e~apr'iieii lido end btleroe berien aid ties bilker eaA Mberee noeCheipeeoe fold tamM AoconatTh!~eqY#~pyBelerbieaAownnzeror,beonsed'tlryrewpuioA,pdPerbdeFawioeCh~peeepp~bMbehnwNelranaolionealpay. r NfinsluyedNyoir iweddsdtawselydrdpieaUwsYrieedanea~po~y~d~eexappptdgihMrmaeTinusaion ePPfoe6bark' _' alepayendBeNmae7tensMTrnairYonfrosFiw~obe Wicfiwaddedlo.lheapp~c~ aePedMpef#ae. , wieea~pYps,NenwwM.wpeidkegeo-dtlwOeNnoeraidecndfa~Nr~aTnmferTwroeclonFee.Fne beeliQoeX p•IinapeofiuMhesUugtssineledundrtlw~alwltlie~rRrte~eMawpM.u~pwdbdsnoeafibebeY edpnfysfl,rna, .IritlbtepPpoe610c!lepo~Ylerprpsf»cidrNewoatlM~awpn4 For fyD (t .. Owke'forlAe.Oaq eaaAinee, Meeee ear 1a16~4T•TIIp. Dlecoe~-eM9~4!P!M_o[ . romN.tekplial~er?dMtielweayou:edDieoorernpraenY~brquaftyaearaaapupoeea TheDieovyreaNrgle' . ' brDieoo~wrEMrCkleederf~. i i i i i OfI81C1T0 i D15CQVER 6'\'ia,2~a u+'~ CARD 20 SDSN8A010017024 BOWSER, SU2ANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Minimum Payment Due Account Number ending in 5471 6261.00 Enter Amami Enclosed Below Payment Due Date $ August 19, 2008 Please make chock payabb to Diacav6r Ctrl a pay online ~ Diseovercard.com. Go paperleea and make your account pkNormatlon more cure w&h paesrvord- Lea~m more at~.ts~pamperleas. . PO BOX 6103 ~~tisn~~uns~s~~~sn~u~s~ CAROL STREAM IL 60197-b103. Address,s•nwllortaleplarachangeYPrintchangsinapace ~s~~n~iinw~~~+~u~u+~r~lnnr~~~~uus~~s~~uur~~u~rs~~ above, or go to Diseowr.com. PrGd your ear+ail address to receive importard Account ir~ormalion and special oilers. 000001986458124430>357132490700000000026100 i Discover More Card Account Summary ck-sing ua.: July 20, 2ooB page - al z Aeeo+mt+wmberending in 5471 Previous Balance 612,982.01 ~Paymenf Due Dah August 19, 2008 Payments And Credit 2'56.00 iMinimum Payment Due 6261.00 Purchases + 308.06 ':. Cwdk limit S 13,300.00 Cash Advances + 0.00 Credit AvaRabla 6.10.00 Balance TransFxs + 0.00 Cash Credit EimR 66,800.00 Fisasce Cbarges + 215.00 ;CashCr+ditAvoBabk 350.00 fi~kwB nco 113,249.07 Cashbdtk Bonuse ~ Opening Caahbock Bonus Bakr-ee 3 26.41 New Cashbook Bonus This Period + 3.75 Redeemed This Period _ 20.00 Caahback 8awae ~5inesrAnn'rversary Month- - .... _ _ _ . _ _ - -Caehback$onus Bt>lanoe - - - - - - - - - - - - - - -6 - - - - - -10 16 - ... - - - - iDecember: 614.14 Keep building your rewords wHh every +purchase. Saari rsdesmi~ once you mooch ~a20 Cashbook Bonus(R~. :How Can We H~ You? 1 • Visit Diecawrcesn b pity your 6iN for no cost, view your P k:>.st Account (rdarrndior+, cam and redeem rewards and mow ;It's yi<wr choice - 3 ways to help 2. CoN 1.800•DISCOVER {347-2683) for last, easy aelEarviee ;Please have ya,r Discover card avaiidrle. ~a or to speak vvNh a Cusltaner Smoke Accamt Manager for TDD stance for head Im red sN tavetso side 3. Write us d Disaowr Card, PO Box 30943,. i ~' n9 Pa ~ Solt Lake City. UT 84130 ;Transactions SO Fraud lfabiliq Guoaoatrlss Use your Dlacaror Card wRh confidence. F Trans. !ed Date Doh ~Paysswsds and Cwd'its Jul 11 Jul 11 INTERNET PAYMENT -THANK YOU $ -236.00 ~Avrard:wd lWsah C.reditc Jun 30 Jim 30 REWARD REDEMPTION CREDR •20.00 Services Jul 12 Jul 12 SPRINT •SPRINTI~XTELWB 800.639.6111 VA 159.63 y__..__________.______. ____.___ __.___ __Q007_4.~Q158721QQ5_________.____..______ __________..__-.___. 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' blc0i~poyarRri~tlfnmberF01G I I I I I 1 i OITNICITO; DISC®VER CARD itpeysw BOWSER, SUZANNE E asC~~a Account number ending in 5471 Get added security with no paper iroil Make your account inFormation moro secure with password-protected statements that only you can access. • Access up ro 24 months of downloadable, printable statements. • See your statement as soon ns it's available ro#her than wait For it to arcive 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 f?isconrercom /poperless o2ouq a~w. e~~ Fac Closing Dais: July 20, 2008 page 2 of 2 i ;Filnanae Charge Sumlmary ~8alancs Teansfir ofhr for cumerd 60'ing period: Daily Periodic Rate: 0.01641%; eonesponding ANNUAL PERCENTAGE RATE: 5.9996. Rate is subled b the terms oFthe offer inehKfing expirdion. pp~~~~ Nominal frar~saetion . R~~c RI~TB ~ RAC ~ Fl~ current bring period: 30 days Purchases 513085.32 0.05477% 19.99% V 19.9996 Cash Advanws 80 0.0712196 25.99% F 25.99% ;The rates that apply b your Accouro an eRhsr fixed (Fl or they may wry iYl as noted above. 5215.00 80 ~0 30 QIJBStl011S? Manage your account at D'tscavsrcan or ':call 1.800•DISCOVER (1-800-347-2t583M. New Balance Minimum Paymerd Due Accourd Number endipg in SA71 DISCOVER 513,253.38 S261.00 Enter Amount Enclosed Bebw CARD Payment Due Dote September 19.2008 Pay ~ eke ehsc (e io Discover Cold or ine ! D' com. 20 SDSN8A01 00170 BOWSER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95634-1971 Go paperless and make your account information moro secureMAtft pasayvord- protected etatarriarlts~~ryyoucan access. Leam more at dtacoverconrfpapsrtaes. PO BOX 6103 «~rn~~nur~r~l~rn~u~r~ CAROL STREAM IL 60197-6103 Address, e•moil «hlepha~e d~ai8e9 Prig change in apace r~~u~~nun~~~r~a~rrr~r~~aur~~~lnnr~~rl~nrn~~n~rr~~ above, ar 9o b Disoowr.eom. Prid your email address b receive impataed Aaamt information and special otsra. OD000198645812443085?13253580DODODD00261D0 ' Discover More Card Account Summary closing Dais: ~u 20, Zoos Poe. 1 of 1 ~AeeouM number ending in 5471 Previous 8alancs 513 249.07 iPe4nneni Due Doh September 19, 2008 PaymerAs And Credits - 261.00 'Minimum Paymsrd Due 5261.00 Purehoaas + 39.99 ~CwdO Limit =13,300.00 Cash Advances + 0.00 ~redN Available 846.00 Balance Transfers + 0.00 Cash Credit LimiF 56,800.00 Fiaana Charges + 225.52 ;Ca:h Cwdit Available 546.00 Haw Balance ~ 513,253.58 ;Cask Bonuse Opening Cwhbodc 8onua Balance S 10.16 New Cashbaek Bonus This Period + 0. i 9 i '.Gashback 8onus~ Since Aaniversay Modh- - December: 514.33 wr rewards with every redeernine ono you wads )• Casirbadc Bonus Balance 10.35 ;How Can We Hel ~ You? 1. vrsi<ae~e~erarm to p.y yerrrbit ~ ~aet, view your p (alert Aeoount information, cam and wdsem roward and mow ~If's your choice - 3 vinays SO help z. cat 1.800.DI~ R (347-2683} f« fart,.asy ;Please haw your Discover Card available. a «to wilh a Cusbrrwr S.rvtas Accamt F« TDD (assistance for hearing impaired) see reNerse side 9. ~ ~d~Dt ~ 1C3«d, PO Bic 30943, firansoctions $0 Fraud uaelsifiiy Guaronlw Use your 17iawver Card wHlr conRderrce. ~ ads - Date ~payrrurrts aril Cne$!s Aug 8 Aug 8 INTERNET PAYAAENT -THANK YOU 3 -261.00 ~Dsparerrnt Stare Ju126 Jul 26 KOHtS 0188 CAINISIE PA 39.99 ;Finance Charge Summary Balance Trarrafer offer for eurrsrrt bitir~ period: Daily Periodic Rah: 0.01641X; c«respondhg ANNUAL PERCENTAGE IRATE: 5.99X. Rate is subject to the farms of the offer inehrdirg e>q~katlon. . Nom'nd . Da~~ Periodic ANN P>B<CENf GE S~. T i l Bats ~1E5 ':currwit billing period: 31 days ,PuaJraasa :13282.45 0.05477% 19.999E V 19.99X 5225.32 SO Cash Advances SO 0.0712176 25.99°x'. F 25.99% SO SO The riles that apply b your Account aw either Fiwad ~ ar they awry vary M as noted above. rrporaiiflMtir.rloli:. ~wosisobnn.goo.:w~.bn~ruRra~.arm.w,e.e~.o.d~a.em~ror:aar~.i:,~aw ~ l»yair~ir~si~ rbudidnwn6sraad~tsa6rfemuayatAsoat~t l~ator.birreiar: . hti~drrglCsllaOQ3i7~613. 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M you 6r'rw laf air wpar is uisooaeM or iimmpNb; piMee wd4. 19B5Q-5316. PNw~ieiaud~youraa..addnw:homytelepUom'trwberadAooa~mnibor: ~ ssdl itmfeo rid Rrn b~Rrr sal la taut Ward rsb wrld a seprrs poop. Mh bMs ~b dod~Mp~es ~ ieFiuscaCCri111ssgrYaK ~• onssca~e aasspvswswe oar prpgwsoaaMerar'pESrau pwios'bRtwONnyoaOrriasbr~erhtar~aion o111MIM yrt',' Rtr ~' 17 ~OIfllmotflt~Rlrl~dot~?dtllR ,paod.1111Y111d~ROCLaS,•r611i Y/r~N YNMSCfgll tShl~lr RYOOarred.OiCtw a11Mb~apPrbdirwkiobRbpOSbdbyprAOoard. NWif(uiyld ,'•' . as~idYdbMisrrldMd tenesolai MNtMspodplandf~grMiisiaeTirwdfonFeeFirrreswAid+re~ddedlof~} f~ wlt.~. ~*~~dM~~n ~gM~y~WAc(rwakldedbN~ippicebbLrrioetadfeiOr~Y~udbn°a1paKYYAen.E lelrae lbnder'Tirreo6on Fa Fiwasp~abllwdrdrd pRyiw .MbspsainbhpbsenlenengsdadwbDs(r~F~PMn,welMVetlieunpsi~IbdriadMhdrios.ten~rmdtlu8drweTran~frTrona biotfwt-~, b ~ sRpfesbGhNSCionc.Mrparyuidt~ssp~c+dwbwaiWhs~sapisd. Eerfi00 ~14s1brIMDaQawlr~r~.pipsse#R1~96747a4Ri. ~ P~9+s!rsMYw~~ ~ rsoardMMphaq~.Delta.nyaianGOiemYernprn.ilafr,.raguei[yswuuno.yupwsa ?h0'rmw'nr~li; . ..pY~4Msnbrl~. of~ctld DISC®VER CARD NeW Balance 513,217.17 20 SDSNBA010D17028 BOMBER, SUZANNE E 3947 f.ENNANE DR STE 120 SACRAMENTO CA 95834-1971 Minimum Payment Due 5260.00 Account Number ending in 5471 Enter Amount Enck»ed Bebw Payment Due Dote C-etober 19, 2008 Please ynaka cheek payable to Dixrnrer Card or pay irb Q Dixowrcard.com. Go paperieae and rnaloe your accourrt Intmrnetlon more accure vd0- paeeword- protxted etatemsnta oMy you ~ access. LLaoaamm more at diacovercomlpaperless. PO BOX 6103 Illrrsllrrrsrlrlllrarlarlrl CAROL STREAM IL 60197-6103 Addrssa,e~rnaBatek+phoneeharrge9Printdrangeinspoee ~r(~nl~nunl~~Jrdnr~e~~uurl~~~nudlrl~nurllulu~l above, or go b Discowr~can. Print your email addrea b roesiw important Account information and speeid ollsrs. pp4U4b986458124434857132Z71?044p4p4p0264p0 --- -. .. Discotier More Cord Account Summary - T Closing Dale: Sapletnber 20, X008 ~ page 1 of 1 ' Account nwnbar ending in 5471 Previous Baksnee 513,253.58 Paymerd Due Date Ckiober 19, 2008 Payrrwrds And Credih - 261.00 Minimum Paymsrt Dee ;260.00 Purchases + 0.00 CredR Lima =13,300.00 Cash Advances + 0.00 CredR Available 582.00 Bdarres Transfers + 0.00 ~ Cash Credit Limp 66,800.00 Fi-msae Charges + 224.59 ~ Cash Credit Available 682.00 New Balance - 13,217.17 i i i i i i i ~~ ~~ Cipening Cashback Bonus Balann S 10.35 New Coshbadc Bonus This Period + 0.00 Carihh«k Boma Balance 5 loss ~C,eshbaek$omp~3inee.Anrtlvarsay~Vlondr .. _ - - - .. _ ... _ ... _ . _ .. - - - - - - - - - - - - - - - - -..... - - - - _ December: =14.33 Kssp buBding your rewords with every ~ Stmt redeeming once you reach 20 Cahbadc Bonrre(Rj. How Can We Het You? i ' 'net oieeevermra b pey year bN for "° `°>~ view i P krkrt Account irrfionrrdion, .aro and red..m sand mar. It's your choice - 3 ways to help 2. cat 1.8oaascovER (3a7-26BS) nor la:r,.asyselfs.rvice ~ Please haw year Discover Cord avaiksble. options a ro sF+eak wish a Customer S~rvlee AaoourrF Manager For TDD iassietarrce for f i see roverse aide 3. Write us at Discover Card, PO Boot 30'943, h~ mp° real SaN lake City, UT 84130 ;Transactions $0 Fraud Lfabilily Guarantee Use your Discover Cad with conRderrce. Paynwats arrd Credits i 3 Dats~ ~ Sep 5 Sep 5 INTERNET PAYMENT- THANK YCdJ r -----~---~--------------°-----~•--~-------------------------.. .. -- $ -261.00 ;Finance Charge Summary wwyogep ~iaDSm °°iiy is AGE ~~AGE ransaction Pert ~~ eumant biAing period: 31 days Pruchases 61322778 0.0547796 19.9996 V t9.99% 5224.59 60 Cash Advances 60 0.0712176 25.99% F 25.9996 SO 60 The rates if ~ apply ro your Account are sithx ('i~aed {F'~ or bray may vary ~ as rtoied above. h+patsYt Iftoribxaabliri.awprpmNUb~nBint.attl»6akdwcfipegxtar~d6lioii~ingoRanieibarim, tteeyow AasMantlkulCerdnrnbkApsanefgmnWmetlMMmadyoaAaoou+L i;o~aeaow: ' r+r~r~.aww,~a~taoo~naex~. 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Aleowermlry. . aidbt(amnlhbplaoenle6alwMq~yoneadDitoo~snpreaeMelreabrquWyesmxesmPrPw+• i ~~~.. ' .~ B!~.Mslsbx f01C~ i i i i Ot'I~C1R) ~~^~l `~h New Balance Minimum Paym«ef Dus A~ccow~t Nuenber ending in 5471 (~ v K S13,249.14 S261.00 Enter Amaurd fnclosad Below CARD Payment Due Dde Nowmb.r 19, 2006 Pboas make dnxk payable b Discover Card a pay opine @ Diacovercard.com. 20 SDSN8AOt0017027 BOUISER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 GO psperiesa 81r4d mrke ywlr eccourt ipnrototram~atdbn mac secure wRh paeewad- Leam mae~at~dls~w+re~rco~mt PO $OX 6103 f~~rra~~uur~a~~~aaa~aa~r~ CAROL STREAM I! 64197-6103 Addross,e-maRortelephorachangeYPridd~ongeinapace ~ (~ ~~ram~~~~i~u~ui i~~nru~~~~inu~~~~~raru~~u~u~~ above, or go to Diswver.com. Print your e-mal address to ~ ~ ~ ~ reosiw Important Acaaunt InFormation and special ol6ara. 0000019$b4S8124430857132491400000000D261D0 ......1.... ... .. ....~-.. ..--. .. .. .._-_... .. ____. .__.. _.. .. ... _. _.. _.. .._ .....__.__.._. ._. _.~__._... ._... ..__... .__~/. _... _..__.__... Discover More Card Account Summary Closing Dabs: Ocbobsr 20, 2008 page ] of 1 'AeeouN number ending in 5471 Provious Balance =13,217.17 ', PaymerA Due Dats November 19, 2008 Paymenh And Cre~1s - 260.00 Minimum Paymerd Due 5261.00 Purdhases + 72.95 CnditLhnN 313,300.00 Cash Advances + 0.00 Credit Avollabb 550.00 Balance Tronafsrs + 0.00 Kash Credlt Limit ;6,800.00 Fina.ce dwrges + 219.02 `Cash CredR Available i 350.00 New B 13,249.14 i i Caahback Bonltsi' i Cashbeck BorwsASirrcsAnniversary MceUh- FDeumber: 314.69 ;Keep building your rewwrds with every ~purclw~s. Skirt ndeerning once you reach ~ 320 Caahbaek 1. Opening Cashbadc Borwa Bala-cs S 10.35 New Caahbadc 8onua Thia Perad + O.36 Cashback Ba+us Balance S 10.71 ;How Can We Het You? 1. ~~ trlieCarer,r~em to P.y ye,r wl tier „e eo>w viewyour P tried Aocowd 1nFomaKon, cam and redeem r«vards and mare AM's YOtJr ClloiCe - 3 ways to help 2. Call 1-80QgSCOVER {347.2663] for Fast,.aaysei6~serviae Pkate haw your Dlaoover Card avaNable. ~~ or ro speak with a Customer Servke Aoeamt Manager For TDD +atance for hewi im see raverae side 3. Write ua ~ Discover Card, PO Boa 30943, (~~ n9 Pa~1 Salt idce City, U7 84 i 30 sTronsacti0l'tls SO Fraud uabiGly Guarantee use yaw Discover card with confidence. ~ Trans. hod ~ Dots Dale ip~oyanents and Cred7s Od 17 Od 17 INTERNET PAYMENT. THANK YOU $ -260.00 Resfwrrark Oct 4 Oct a HOOTERS OF NARRRSBURG MECHANICSBURGPA 56.00 Geisol6re Oct 4 OeF 4 FLYING J CARLISLE PA 16.95 i ;Finance Charge Summary ~ ~ T Apa~~ age J AMtU AL AI~IVIbAI Daly A ~~ k CENT/1GE ~P~TAGE ~ ~ ;eurrerd biting period: 30 days Purclwsss 313329.50 0.0547796 19.9996 V 19.999b ;219.02 30 ;Cash Advances 30 0.0712196 25.99% F 25.99X 30 30 ;TM rates Il+at applyto your Aowunt an •tlher fixed 1Fl a they may vary M as noted above. i 4pa0MtlydiwAbi4 t~i.GlIIOIi1M11aneplg~bailbiNY~lIMIi~i.wsaNbYdtiAMCAp~plfai~(auiinpalntido~Yrllon.. ~ & l` ' ' ~yeu LaitdneoMaanio. ~ MatCrbapnbaApwnN~tmid ~iwd~kmsdyoirAooouK . " t~liiedwlyfAyfa00.1q:28at. ' i .. nP~ 01.. .In QiNio(6raserO~asMaAYbr9kryyo' uawt'your6iie a~Ty~bueeed'~noaY~foim~fanebol~t.trarwrAoamyaahi.iaileb~on. ~ P73Boat3b127,.8rtLeMQ7-tUTa1130d421,asioon'd WsasthwiomyouroMrM~80dey~~lrrwwntjoulhei~t6im~ ~ 8 ~~~. - 9~ ~4oNlikphaNWEiadoiiawMnbtPlanrv~l~ ~~'9~N.m/NiolaMiig,iramYorc ~ <TMdo~rwgalp(. 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Fod wwap.~w.~dbawnasad.tae.,~.bgass,w.ntdrb+henoiaRs~«tnro.elon Atarenad PwbNoFirnoegiipbair«okdyaf4e6Abopp~~iioo~Abreed+~nrolod aasp6ri.fNowiga ifppon~piy i _ ArrpsOd~Bwi~oe'xewarddey~iar PedoaADelyFrloBeRw.{lbnmgy.wiwbaainnoldwa~ i bravest ~pMiod,eoP~noda iq'ar~lrawr;oAdoOorybyN6islohiPl~bdcFiir~oeGlr~N(pryar ~~.ChrprerppypUeb~tanseiaa.YerreEasnsrroo~A i ~ymarRd.~. _ brMiorfot'M.fipt db~-y^~7. wadddrrar~ '-~"'~"~~~~~~~`~"~ Orb~Cly eDal~,Y11 fee+towb~y~.ba.r.. iryw~byO~rAooouarrra»arredaw hirnm~bberebNeyprbrlr~blrech tierrrafsn bamo4wdlfit dMafMhab6P~bdFv~dfspolNdbygrAOaatt. P~,inwHd~Maaous,wdwiFe~tar.trwa~timwAaw Alfiii 4lcoaa~eraedlQidairrlrrYvd rgrecaon +~MpmiOamdQ~ehAdis~oeTwneeclbnFwFimnaprpe~widdraread~7odba~! ~ppinbG eaMp~raridBilor~?4Ya~dbu~ viirJlrsMldedbar~pp~~bMerr3~ImetarsNnaal'mNporxMAMni u~ ~ ~: ya~nowara4rd~Mwdgrlf~IrgtMNkrand~Tgn7erTiawcaaoFw~Flnp~rx. blh4Nsidrdpadiae ~ Yara~6aoalgay: gnpdablu4bwnb~iWed-udlrlhrO~hWRrrPIn,wWrearYMNidbj~Ynadlheb~kocetrndarBaNnoeiipwhr7mro; a¢rnFMF:)ans~ ii '~.applpbfQ.7.rrscbnoeMpayaataa:oW.Nefgpwouldhhe~s~d. Fbr1Dq _. ClM4~iortlrOwllanlMq~a,pMMaoaNi'104~~34/9. i pisarK ... !rgad.biephgroet4brbwrnysu.aidDleoo+rwprerngiuploraa6Hyeirr~oep~Apans. Tbeixrmrr!rp~11 ',by~R)irOO!rt8ank~MmberFdQ ! DISC®VER CARD 20 SOSN8A01 0017028 BOMISER, SUZANNE E 3947 LENNANE DR STE 120 SACRAtB=NTO CA 95834-E971 Accaxrt Number ending in 5471 Enter Amount Enckxted Bekrw Payment Due Dab Decembx 19.2008 Pl,~ make check poyabie to Discover Card w pay online ~ Dixoverrard.com. Go paperleea aruf melee your aocolmt iMormaklorl mope secure v4th pasl.srad- statenlerlta anlyyou can access. cam mac B dfaca-ercclNpaparless,, New Bdanu Minimum Payment Due S 13,244.50 $26 F.00~ PD BOX 6103 Illnrlluu,lslllurlulrl CAROL STREAM IL 60197-6103 Address, sanaiiwtekiphoneehargsRPrintd,a,geinspacs ,II„Il,ui„III,lulu,l,lln,nllllnu,llill,nullnlnll above, or go b Diseover.eom. Prirrt your •+nail addroas to I reeeiwa imporbrd Account inForrrrdion and speeid olisra. 000001986458124430857132445000000000026100 Discover More Card Account i Aeearnt mxnber ending in 5471 i PaymeN Due Dols Deosmbsr 19, 2008 ' Minimum Payment Due 5261.00 Crsdrt ~~+ 3 t 3,300.00 Crodk Avaik,ble 555.00 ;Cash Credit Umit 56,800.00 Cash Credit Available 555.00 Summary Closing Data: Nolromb~r 20, 2008 page 1 of i ~~ B~r~ S 13,249.14 Paymarda And Cnxtils 261.00 Purehasea + 41.47 Caah Advanua t ~ 0.00 Balance Tranaiers + 0.00 Etnmu C1sm'9ss + 214.89 New Balance ~ 313,244.50 Coshbai{c Bonus" Opening Caahbadc Boma Baiar,ce $ 10.71 New Caahbadc Bonua This Period + 0.?0 cashbadc Bonus Bakata s 10.91 ~Gaahbaek-$orNUimSince~4nniv~eraay-Mordh...._..-._.-- --.____..---°----•------------.-.--•-•.----------------••--_---.-- ~ December: 514.84 Keep building your rvwwrda wiR- every purchase. Stort redeeming once you reach 320 Cwhbad~ Bonuallt). . `How Can We Het You? [3 1. visit ~.r.~, to poyyeur bbl ~er,ae aea-,,,ie„,your k,test Account information cam and rodeem rswarda and moro ~ ~'"~ ~. It's youC ChOtt@ - 3 ways to ~le~p , 2. Cal 1-800-gSCC~VER +x347-26831 kx iaat, euy aaiiaetviu Please have your Diaeawr Card avaitabka. opR°na w b apsak with a Customer Service Aeoourrt Manager Fw TDD loaaistanu Far hearing impaired) aea reverse side 3. Write ua aF Discover Card, PO Box 30943, Sob Lake City, UT 84130 .. TransaCtanS So Fraud LiabtSfy Guarnrrlass Uae your Ofacover card with confidence. tsaiysrserrts aced Credos Nov 14 Nov 14 INTERNET PAYMENT -THANK YOU $ •261.00 Services Cut 31 Oct 3 i SMAitTSTYLE 91 i 6829319 CARLISLE PA 41 d7 i f=inance Charge Summary W~iirral Average poly MMMlAL ANNUA! Per F~ Qgily pR~ APE ~ Afi3E ~! ~B4fAGE carrell bifiing period: 31 days Pu,chases 513322.28 0.05203% 18.99% V 18.99% 5214.89 50 Cash Advarress SO 0.07121 % 25.99% F 25.9996 SO 50 Tire robs that apply b your Accarnt aro eilFrer fixed ~ w Ihry may vary M as noted above. Im~alatd - ~Mw.'amael~aappsa9ia6iaY+tan~sbWtawd~pypiorad~rlinpaUnti~omreYon. ; a»ra• i~v~~~c~aa~argr,~oo~rrn:a~rr.a~a.ayo~raooo~ I Loeea ~ RepdtGOUe0Q3~t7-2~3. ~ ~rgR+l~fep hCaeaEaaaaQlesfontllboM`btlrBr~Kyyoo'uuhityoak6iis~a~7you+Nad•aonirknnafoaahoiAatrra~5onanyourbN.wdabwma~ aeparaloabee~af ~lRDiemawar,POBaei3D121,SakWspy.lJFQi130-0121,aeeamas mokbearimyeueaYYrran80deye,Mr~rsaeMyouYreielbilo~ ~. . ~epp~ed.lb4 aen Maplwe ua,b~Rdoip a ~ hot P~Y~ ~~ b Y~ ~MS9Ws a lha fabiwrp infderlon: yTbedaler lneayferlederrer r •OisgbNraear ,a~li~,.~yguarr.wi4'YcubehwN~nspleaoeNyouneedmsidannefai~,deaabstlfe'ilemywaeumrrsabat i libuebaolbawb. anyanjwtinquMfonviieaewi~Y~p,'biilyaureeiebye~ledbpyrMprleayarbi4relaeenelhquukn,MAdbwehveefpaMyar r W~4~ youM.4igrnlaWcaanyadfmbaa1ec11ieerKwntyouquadq~ ~prehl~n~ ~~~Itn~pryap~oH•radhb~wbydgoodaaarvioettrtllaW~dw/haaa8crd.andyaufiwabiedingoodleilkb.ooaed wmeiiY~aeeoiait ' onNeyoodaa.esMoee.lbubewelkprobelbnaalywMdriepuaiaueprbeweamaeeheaSSQ andluW!dMii. eo~dsY~yarhaoeMNear~intOOaread'yarweipadaew:(kwawa~ab.lFnalfw-arledyonB~ead~neafialhepoodaa, senioee,.a1 aaoa(sad~nNasaliawaetabealaridpurdreeel ParaeMe.Bead: far ~ andlmbppafonnflisabl~neenth'IieNwebprprv~edad.Domlaadoe~h.BywdibyoadMCkatdoaW~debovs,youautlia~eusb uteigla~fnl'~a . :cbedt meAsaiaNp~d~fmdlA~a~iC~aRyorfaaaaratlisirwwiYmllY/onirdoYedanyarduokabpnewalfapa~entatadredc MPM~~4. Mm .. ind.tndKrliYr(danlA6a'ior~emiYM'onMdbdt111~nweu»iMmnionbmyurdwltbm~OOne~ind ~.~YaL. ~ooanl~aaoonasbaamadrlrMe4awelNa'PaYwaLardyou~eirotnade~yardrokhedtioneyarilraoYlinMr6on QM ua r f~00~947,2~3.16u ~ ~ AustmroM app t,LS: hat 11bu appiaddudop from tl» 410ae1 ~0 aw apeaerriae.~r enle eaayaeeedunoer rre De1rtRYe PNq w baua e rppia6b barreeGoir oeAepory'u~t tlr epe¢ei pb aiaak Mie ao~lwd. OeMea.brlbe DwQ aeeMlanoK pMaee eM taA0~3R=INY. red Meplnaa eeN bsiweae yae.eM pieaaer npnamrNiw fa grmNr ae 1'iemir~~, WmbarfflK3. s m yaa aocataa my w nleehd n yar a~K w riped i, irmnb ar~ompbfe, platy vra'~ r» nanberard If ooaml number. i Aooeudaa0lwedeb i yarn YapPa7rl~a~ t N PfJInW~A1N Dde akarm oal~etalalMaerN, alld I aW . frtb. WdOea{1iM eilpee~l~ 4fhaaee ~IefQe! Oal~leee aeW pradreeee. llk(e ~aadrgaagbf YieirNaaid Pe~omape RNe. Fad ae ~oup.,e taaaiccai areepoiee. klre «a d 1Na'ueetheblairgeewiaib i ~.(lbameyaderbthe6racsclwpe rgetMlddtYrlo6cf'henceCga~at~loorrl~our w ha breaeien cebpory. 4ksCbrYn.N~ub Ihs~MarapeoyDe~llr rrr~iea~Giare ma de in dyi, taeeelw~pad Ilret ~appiedaganitriabaYnoeatlr awbeMyarbelenoabraerh.bauuwiaa ehirh iaonaa, as ai bare tlr eroraer:fion u he3- c~a fea Fairwo prpes rMid~ are added b t he a6kEaYnoe Y~afkrrenrtaciorcaotepo~xWhen; r Fiwge py~yy b Me e4trdrd purahees e bsbxe tar~rand 1hs BabncsTrarrferTiprs. • 01T~1(170 New Balance 234 12 DISC©VER S T3 Minimum Payment Due S261 00 Account Number ~ndirg in 5471 E t A E , . . CARD ~ P srd Due Dots er n mamt ndosad Bskriv t~~ .Y January 19, 2009 pf~Se make check payable ro Discover Card or pay online @ Diswwreard.com. 2osnSnieao~ tat~oza BOWSER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 9583-1971 (3o papaleas and make your arxottnt infamatbn more secure with paasword- Leam more et~ ~onUp alas, PO BOX 6103 ~~Ind~nenlsllluJnlsi CAROL STREAFt IL 60197-6103 Addes,,e•ma~ortekphonechcnge$Printchangeinspace ~slLrl~arrnr~I~r~ntni~r~~und~~IruuNrNnud{u{rr41 above, or go ro Discovsr.cam. Print your e~man address to receive imporroM Account inlonmation and special oilers. 000003x9$645812443085713234120000000002610fl `Discover More Card Account Summary doaing Doh: Daoembar 20, 2008 iAccouN mr,nber ending in 5471 iPaymerrt Dw Date Jar-uary 14, 2009 =Minnuum Payment Due 6261.00 ~~+CredN Umit 613,300.00 '~rodit Available 665.00 ;Cash CredR lim7 36,800.00 ;Cash Credit Available 665.00 Previous Balance Paymsnls And Crodits Purchases page 1 of 1 613,244.50 261.00 42.73 Cash Advances + 0.00 8aksnce TransFirs + 0,00 ~~ C~rarges + 207.89 New ~~ ~ ~ S 13,234.12 ~AShbGCIC BOCNISe Opening Cashbaek Bane Bakmee S 10.91 i New Cashback Bonus This Period ± . 0.21 i Cashback Bonus Balance S 11.12 C-ashbaekBomss®SincsArrriversaryMaitls--------------------------••----------- ------------....---------•----.-.- `~~: 615.10 i building your nswads with every hose. Slat redeeming ono you reach Cashback Borws(Rl. ;Now Can We Hel Yov? P 1. vt.it Disasvenean ro pay year bi ~ ~ ~ view late t A F i ( i ` :It's your choice - 3 ways b help s eeoe-n n amd on, cam and redeem awards and more 2. can 1-coo-ascoveR p4r26e3~ ~r ial,.a:y:.l~e.rria. iPksase haw your Dixawr Card avaiksble. optiona or ro speak vri~ a Customer Servic. Aexount Manager 'For TDD (oaislonos For lrearkog impaired) see revwse side $. ~ Joke C~Dis ~C1,a30 , PO Box 30943, 'Transactions S0 Fraud liabr~ly Guarantee Uae your Discover Card with eonRdsnee i T ~ ~ . Doi e D awe ;~PsymaMs and (}edits Dee 13 Dee 13 INTERNET PAYMENT • THANK YOU ~ -261.00 Reslauranls Nov 20 Nav 2i CARI.ISIE SUi3WAY 33940 CARL1SlE PA 2.20 ! Nov 20 . Nov 21 CARUSIF SUBWAY 33940 CARLISLE PA 19,67 _~GnssTsur____.___.._._._..__J~lav^22_J~la~22 _ElY1HC3~CARLI5IEPA___.________-________•---•----:•--__--g OQ____-- .GortsseaseM 3esviees Nov 20 Nov 2l CARLISLE ANTHONYS PIZZA CARIiSIE BARRPA ] ] .86 finance Charge Summary - A~j~ly~ 3 Nomina Pair odic ~/~, ~ Rues ~__.___. ~______ Pa'iodie ~ranaaeNon i~icwrant bitag period: 30 days . IPurchasss 613317,93 0.05209°,K 18.99x. V 18.9996 6207.59 60 Cash Advances 60 0.0712196 25.49% F 25.9996 60 60 TM rates that apply ro your Aeeounf are either faxed lF) or ihsy may vary M as rw,ted above i i ImpelYnt - IFINbi~mai~YM~aMp~pebllb6iglaMn4nlNethbbidtefeidlpepebrfd~igiolimppdnUnfp+~MYo~t. v SaliarF .Il~nea~ntlFoltCndlrnl~ErApraeiaeNCOeleigalMlamrsaiyoirAocaui 'LeetrebYn~6tide. - iY~e~ilYylCd1'480D34T~683. j r BNMp~M Y~GGikel6rarart~reYpirAba~E16~tBf~lf'wuMkyar6ii a7ygy~w0mowidanrfone6bidifrenMdaimywrbi.vaAeb~aana s ~ wPe!ebeAeltgf aC~irooyr,POBaz9b12t..8dll~o(S~UFB~{~O.Oat~asioonaep~laYyemuMheriromyonrol~-era80~eflwwwq uefal6ilom ~ !F ~~a~~44ginbl~p(grow~6Wdpigtouifnol~vs~avsYa+~hb.bNa-~9lwdlrk~inQi~kiaalon: ~ ~ •Dera~l~a~irma,-~' 4typ+qh.whY7paheieveOMrsb'a~~mr,Ifyounbdmoninlowneion.~leu~nbstla~emywarourue~Eoui. `kadonolhwsb wra~rtinprdonWeeaaroineee6pdnp,bYyaurstlla~tdb.pyhspslsofyarHllklesndinque~On:WNeMeiMedp~t~ygr ~ 9~+r Y~r~~aWoosiykionbmledlNrNOiMMyaugrdia i ~I~b11 Cafd~'~rf~M~eapra6lMnri~etlrs ctQOadswaenioes lhM ypl lrhamedtard abAyon beve Hedlepood~tY~bOeRad j M ~~``. eleyn0111eYSb IsiMwiiiip.eiMMnldiual.Ihepoo~raMVioeaYbniwstlisprabclianplyr~nlhepudw~pdoaNSimsl~n~ . ~I ~M'MOIM'i~'r~11~1O~~IIN~pI~aR(~1MI OMfq'~lfw.~M 10NdId1~Of ~.M~Alald ~l011rI0ap~~Of I~N000d60fj eeniioee;d ieOerMuedMaenuMaboeYonaloirdnesf Q~wat ws PHi9gC Bulop~oFhen4sOrryeeera~enelirMidisrR~amMdele Nr+lrBq~EY p~rN~'~~kpardis.flowr~eyifY9aPbdtwNerrBrirreeonyarProa Y~PeYMN~... M., Wior.onynuwwk~rgwernw~rwrllrotinPreP an.Marp~ 1lYkae~tr4lN.pnoewriodgllweis,lrou~i~e+biigetMemw#.nexu kno.~oa'P~'~ ....anehadxirpee. i~kaoiCrari~ae. ~ irb~oupsdpu ae~advenoaandbelspewMaeendll+s~fu~+er ae!~i~ wdiga. 'b.paeofaWaie~nanraMSeewaieo~bawrerddle.,eodae..eoen oeefaetorpu Dpgaaah4nei; peace ao~.eaasaawe. sdlehpranvci 6eAeea~ floe arrd Of eogver npreeeeW iws R Neoorera.rk MnrberF01G. aorswieenexgvotpbyMiMdeei ReEe.Foo[~ rolbrbMeegotrpteetsreefan'aefepoiee. Merdof ion oAll~pyt Wh'IYe M}o17e~~gylipB lpapRl~!{pe t yF!eao6a -_ ~11~?u~P!Y!~erp~.Mr!peoheq~e rwown~owce~araea+.taneecen. hifi itooaes,;rni rri lee! lie beneedon r hsri tlai Pee Fiienoi CJryes gdieq a» added b f~ bb Eelerw eanekrbmeapienraleQgK WAen FienOeCMrWablheeYMerdpud~Me befwbe. andfrBebncsTranefvT~ap: 1 ' rmeK~~ New Balance Minimum Payment Due Account Number xding in 5471 1 DISC©VER' Si3,213.82 5261.00 Enter Amourtl Enclosed Bebw CARD Pca~yrmne Due Dats Feluuary 19 2009 Pleas make cheek payabb b Dixovsr Card or pay online @ Oisoovercard.com. 20 SDSNBA010017030 BOb1SER, SUZANNE E GoPsperleessndmaiceyoureccount 3947 LENNANE DR STE 120 nt0~0a more securevrith p°rd' SACRAMENTO CA 95834-1971 cal -nmoro~ver~co~M~6' paperlese. PO BOX b103 ~~~ns~~suu~s~~~nr~n~s~ CAROL STREAM IL 60197-6103 Address,e-maNorklaphoneclwngaFPriMcfia~sinspaca ~~~~n~~ssun~~~+~u~+u~+~~n+n~~~~uu+~~+~~i+ui~~n~u~f above, a go to Discowroan. Prim Yea caned address b receivr importard Aemunt iniormaiion and special oHera. OOD00198645$124430857132138c'0000000002610D Discover More Card Account Summary I Closit,-g Dc1is: Jaswary 20, 2004 page 1011 Aocourd number ending in 5471 Previous Ba(arce 6 i 3,234.12 i Payment Due Date Febnxrry 19, 2009 Payments And Credih - 261.00 Minimum Paymsrrt Due 6261.00 Purchases + 35.19 i CredR limn 613,300.00 Cash Advances + 0 00 Credit Available 686.00 Bakrncs Transfer . + 0 00 i Cash Credit Limit 66,800.00 Finance Charges . + 205 51 Ca:ti Crodit Available i 686.00 New Balance . - 13,213.82 i i CAShbat~c 5011lt5s Opening Caahbaek Bonus Balaxx 6 11.12 ~ ~ New Caahback Bonus This Period ~ + 0.08 ca:tiback cam,. ealana s 11.20 yCasl+back~onus®~Anaivnary----------. .. ..----__....-- ----~-----..--- --------.._---•----------------.._----..._.. Morrh: Deeanber Keep bu yaw rowads with every ;Cashback B)~ng ~« ~ nadr ;How Can We Hel You? P 1. vi=i ~ b pay year brl ter ne oos~ viewyo~ ksisst Acoourd inlormalio d d r N s your dtoice - 3 ways b help n, cam an re eem rewards and ,Hare z. car 1-eoaDiscovER ~a~ 26s3) ~,r r~r, .asy aet€~. ~ Pleats have your Discover Card avaiWbls. oph°ns a b speak wi0- a Customer Service Accou~ Manager for TD0 (assistance hx hearing impaired) ese reverse Bids 3' ~ lake ~~ ~UT841 ~ ' ~ Box 30943, i Ttransachons so Frra„a 11d~rwy c~ar~,a. use year Discover card will, confident.. ret oea Paymenb and dselBs Jar 9 Jan 9 IPITERNET PAYAAEM -THANK YOU f -261.00 Hams Mprovsasem Dsc 22 i~ec 22 LOWE'S OF CARUSIE, PA CARllSIE PA 35.19 i Finance Charge Summary Namind wnsaction ~ a ,age PRD°~~I.riadi' c A~# ~ P~- ~~ cvrrenl biting period: 31 days s Purelrwas 613266.78 0.0499796 18.24% V 18.24% 6205.5t 60 ! Cash Advances 60 0.0712196 25.99% F 25.99% 60 60 The rates #rat apply b your Accourri are eidler fixed (F) or they may v'aY (~ ~ rated above. tr~kAanhaaepopeblionrroser.nr~x,ae.~.node.a,p.o.rawaen,rt~orontt~a;,~n ~Yca Aa.i~r~nt:YaafrA~r/rreYroonMin.dneleiardyourAoooui ; lafbr ~ ~lireedrWdColt~OCJ1T,8El3. - tiCriedSroaciOwMarA4ailbuF.~t~ Yomr6i's+ro~~;aiymae~dgiasManNianM~aA~t~naSa~alioaUi,wl~b~iema i 4f eSD4beMa'POBmc30121.8~4~Cilf.~61 raaow~w'pdtlN YkaiwthrbynyaumlNerlhn60dryt+~arwaNywlisfr~l67an rliid~bcacrgr •k6UUUMIoplw~otr,gAdoiipaNnotp~weygr hyarMNt,gi~sus0iebfaw~pbbmwfae ~ •14vnoob ~. •TMdoMra~nl ~ uror •~ ...~Y~~.~7Y~6efewlwsi~'s~emo~.Ilyou.neediaoreMfaatifan,dnaiislfeRemyouaawn~bat YbudondMrwlo~ eye~OOUdbquooionrAicwsasiMldpM6p,6utywraaiahipebdbpy/ieprNotyarEitiettramtbQualon~WNevroirvai~wywr qunfon, yo0~deigeonla.Mlseiry'~aabaaNAhaoianlYou4uoda~. 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Go paperkas and make your account frrforrnation more secxre wNh pasaword- pr~6sd slarorr~s~ only you cif aaxe5. Learn more et tlteoovercomipaperlese. ro sox bloc Ilirrrll.rrrrl.lli...lrrlrl CAROL STREAM It 60197-6193 Address, a•maR «bfeplwne ? Print change in specs 1,I1u11unulit,lulu,1,11un,1111uu,11r11wu11n1u11 above, a go b Diseowrcom. Print yew s~mail add»es b receive Important Account inbrmatfon and apeelal offers. 000001986458b24430857131566900000000026000 'Discover More Card Account Summary ' Cbdng Dola: Febnwry 20, 2009 page 1 of 1 Aocourd number ending In 5471 Previow Balance 313,213.82 !Payment Dw Date March 19, 2009 Payments And Credits - 261.00 ;Minimum Payment Due 3260.00 Purchases + 0.00 ;Credit limit S 13.300.00 Cash Advances + 0.00 iCroditAvaliable 31A3.00 BalanoeTransfiws + 0.00 Caaly Credit limk x6,800.00 Finonee C~i + 203.87 Kash Cndff Avoilabte i 3143.00 New 8alanes a 313,156.69 Casltbodc Bonu3e ~ Opening eashbaek Bonus fBalanoe 3 11.20 New cashbaelr BerraeThis Period + d.0o cashbadc Bonus Ba6ano. S 11.20 ~r8oru,ats~----------------------------------------------------------------------------- Dseember r building your rewards with sorry k ; ng once y~oa teach ;HOW Can W@ Help You? 1. Ivaltasf ~nfor wt~r~iaRrn~ard~nc~leem~rewards and more hrs~rour el~loiee - 3 ways ro ~P 2. caA 1.800-DISCOVER (3d7-26831 r« lad,.my:.lke.rviee ° «b epedt wMfi a Cudaeer Service Account Manager ;Please haw year Dis~er Card awikibls. For TDD lassi+danee fur hwring hnpair+rl) sM rowerss dde 3. Sant lake Cityj ~ • PO Bea 30943, Trolnsactrions So Fraud LicdsNily Guoroniee Use your Discover Card with confidares. ' Treas. Pow i Dale Dale Payn,ente and O~edite Feb 3 Feb 3 fNTERNET PAYMENT -THANK YOU $ -26i .00 i i ;Finance Charge Summary . A Dall)r ora~ a Nominal TraaaGi«r ANNUAL ANNUAL eriodie F .~~ ~_ S- cunerd billing period: 31 days ;Putdvases x13161.15 0.0.4997% 18.24% Y 18.24% 3203.$7 30 !Cash Advances x0 0.07121% 25.9996 f 25.9996 x0 ZO ;The roles ihot apply b your Account are either fixed ~ «Ywy may wry IV- as noted above i 1 ___ ..._ dune ` rr~¢Ana.~a~ay.o.be~re~~q.wrnNai,rwn.aa~ara.rfiQ.o.~r',aa~;r;mv~.a;~roa.w~n fkayort' A4.~e~t~YetrQddmaneecAp.ereNimdinida.reim.dyaulboa.~t laataraalaai,cirda: ~.' ata00347,f16QS. ~ BIMgp~~bb ~ hCaibdEraodffwriar/lbaiYour~ik~[Y~+IdMtyat6ibMgip:e[ryeurnada~orsi~famaEtaubOblstan~amoRanjiarbM.wdebinona ~ ~tapanlaalrtaRcl' aE~aob,frQFlar3D12f,SaRfaloeplgUffliL7a0f2t.'asaoanaspq~elbla.lMeawtAertanyq~roWr~nnBOdeyse~rwawitywMwfnNh7lmi ~ ~hJafMaaaAO ~q'~b~cnllkgbneu~.duda~pardOnotP~l~N~hYrorMix.BiwuaMfo~owipHansetlon: E i r!a-~. aap~a,ply!~~!*Y1pPbefewlhevei'enena;Ityoeaeedn~onMdoanafoQ:deraflbtwlMiayouerruiruee¢ou! lloudoaolkanb aanwlingrraTanafiaananlavafp~Gap,B~tyouaeah7d>rgMedbAylisDu4dpaurEiletareiwtbgiwaion.Wdinwiwedpelayar i 9aaala~.+~a fouasatiiquiataMtaanyadgrbaafitgfaaaa+arrtfoYgrwfon. ~ !Pe~irbadrM.foppafaiaHdaaaMnwtY'Mww~loprp~uddd,Donctaadoed~By~Nbnpygrdrdc~adea~+badabas:.9ouaubameurb dMk .nrlraaM~aanloird~a~rwriautyaraopgntdMeffwdMin~lufOni~o~Mdonyareliedcpbpioaulrpa~ntaesdrd~kaba~form a1aa. 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Oiaeoverc«d.com, GO paperbsa BrxJ make ynlrr eooouru kNormetbn more slerxwe wNh password- statemenla arNy you can acrxea. mare at dtscovarcoMpapeAess. PO BOX 6103 Illnlllnnrlllllwlulll CAROL STREEAM IL 60197-6103 Address, e-Illail «islephone clwrlge4 Prid cllalge in apace I I I I II ll l l ll li III11111111111111111111I 11111I1111111111111111II above, «g'l/ to Dlsoover.eom. Print your e~lrlail addrea to faCetVO MI~Oliaflf AeCOVIII inlonnatlon and apeCWl Oilers. ODOD0198645$32443085713Z8392000DD000026DDD ,. Discover More Card Account Summary Closing Data: March 20, 2009 pogo 1 of 1 Accowd mlmbsr ending in 5471 Previous Balance s 13 156.69 • r Paymed Due Date April 19. 2009 Paymenh And Crodita - 260.00 Minimum Paymeld Due ;260.00 Puleilasea + 102.65 CndiF lime? ;13,300.00 Caah Advances _ + 0.00 i Cadtt Available =l 16.00 Ba-anca Troralera + 0.00 Cash Crodit Umit =6,800.00 Files/a Clla s + 184.58 Cash Crodit Available ;l 16.00 i i New Balance ~ 13,183.92 i COfhbatk Bolluse Opening Caahbodc Boruls Bdarlee 3 11.20 New Cwhbadc Boma Tlda Period + 0.9i ' Cctshback Bonus Balalcs s 11.46 Gwhback-Bollua®Anniwraary- ---~---- : .-----~----__..---...---.---.....---..- Monlh: oecanber bl>sllfi rewards with w ~ # r adeemirlg coos ya~reach . S ago Cad>Godc Bonus¢tl. How Con We Help You? 1. visit Disaovsreem b pay year biA ~ ne Baer, ,~e'",yow (daf AeoowlF iniormatlon, cam and redeem rewards and moro 'It's your cFlorce - 3 ways ro hey 2. Cdl 1-804D(SCOVER (347-26831 hr t~ cosy ael~aerviee r Please haw your Diseovtir Card avaiklble. options «io speck wish o Cualomsr 5ervtes Account r MOnOB° ! F« TDD (assistance for hearing impaired) see roverse side 3. ~ Lake City, UT 841 Od. P'O Box 30943, TransaCtioRS $o Fraud i.iawli y crilarraltsa ua. your Dixon Cord with c«Ifidance. ' ~"`' o 1 Paywlems and cndifs Mar 7 Mar 7 INTERNET PAYMENT • THANK YOU ~ .460,00 Atlsridlolldise/flay Feb 28 Feb 28 WAL•MART SC - 4F2574 CARUSEE PA ~ i 02.65 Finance Charge Summary 9° ~ ANNUAL Periodic ~~ A ~ ~ ~ ~ ~ ~~ cllrlerlt baying period: 28 days Purehaaes S 13 i 92.77 0.04997'76 18.24X V 18.24% Z 184.58 50 ;Cash Advances 50 0.07121 % 25,99% F 25.9996 a0 a0 :The rake chat apply b your Aocourd «e eilhar Bxad 1F) «ihsy may ~Y M as naiad above. .. :.lbrokmoialhenarpspabtlNtffapaesMEackOi MEtl Qapabfadd'tioratk~pateM~tadtgiai. i 6M Four - ilyrNnrntl6urCw8roaEfrAOwneltoa~rdblrmedyarAimw. ~ laitat t{apat~iniedWl~Ce111~OR3lT~6t3. ~ E<~QpMla.'.' ~~epprr~~,leea~d Nt~nadt5aaa,artiwsioirFEdut`fibt~#ryoouuO~i~i~tyaiirbtlk, aFynunesdmonYrbArrlaaatniAaMrac6aimytarlilwdrloama, t;sttaweCtxUF8U130pRt aeaomas YVaaatherbaraou4M~Y-bn60QysaArviaaeMyoula~nt~ila~ a PQtlot30121 ~ „ sNdifN.aaora . dYosanOkpaaieu46utdoiipao~windPp~Y~ rir~:SwKb'~gb~ ~are.atr aad ~n,a .tkaajwamt ~' ana « ~Yi~P!~.+~n.?ncfm.eei.wu~aia„«rotirYw~..amor.Ha.ufon:de~ab.fh.bmyuuanam.rbauL ~ lbadsadkfwb , anpasbulli-gKeloaa4isreatrekwsipal~,bM~u+aoaNloE~eeedbpyfwpdbdymrbiihe~rsaxkq~NAra,VYhlsweiwM~M.Yov gwafon,wa yalasd~iipaiMaklaen~raafmbaoYdMan,outtyca4~ Bpadal.Rsis(a :Pwelaaaclfyakbaapio6kia+r~bsauiMd.9mdsoraNVioMOpiyaipadrwdwlhs+psdtard.mdyoulWSliedinOoodkiAlaaaroct i bpa>4N~iwMi fbamRligllweaps~ta+a~nri+r,~aneouait mMgaoikaawiow.YatbNSOfsprabctloaalywd~mbprd~pioawna~aahni9~ aadbpsgri~ Msdant~hoidawk'aM~10DmlwafyorariFiYaddis~c(~rrecw~aapaMat~iwdrrtal,warleayoubadwnManentbrbgoodaa•. 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' Diagbtutsfl... ~ .. #~~f~eoo~dlel~plgro~altbMwsenyou.endDk?4rerrotresen~va~(o-9~4~+~~~P~- , lhs ~rooQVw' .. .kPM~eB.bY l%~+osu tMsk McM~er F01Q~ , t)17BK11tl ^, New Balance Minimum Payment Due Aetow,t Number ending in 5471 Vi~C®VE~ S13,188.96 S260.00 Enter Amount Encbsed Below CARD Payment Due Dab ~ 19' 2009 Pleats make cheek payable to Diseowr Cared or pay online 6 Diseovxeaarrdd eom. xosostlswt oot7oss 801>tSER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 t3o paperlees and n>alce your account ippnrrfo~at tnatlon more Secure wdh paaaword- Leem~mora at~ ~y Yacale~. PO BOX 6103 111usllnurlsllluslulsl CAROL STREAM IL 60197-6103 ~4ddress'°xnailorlel°ph°a°d~«,ge€Ptirrt°harp°inapae° I~flullr,n,~ill,lull,ii,ll,n~~1111mni1riluu~ilul,~li abaw, ar go to Diacowr.com. Print your email address fo receive important Account information and speeid ofhus. OODOD198645B12443085713b8896000000D002b000 `Discover More Card Account Summary Closing Dwte: AprH 20, 2009 page i of 1 ~J4e m,rnb°r endir~ in 5471 Previous Bakmee :19 183.92 ~Paymsnt Dw Dale May 19, 2009 Poymer~ts And Credits , .260,00 M&,imum Payment Due 5260.00 Purchases + 59.65 iCrodk Umk 519,300.00 Cash Advances + 0.00 Credit Awiksbls 51 l f .00 Baksres Transfers + 0.00 'Cash CndlF Umit 56,800.00 Finar,os Cfrorpes + 205.39 ;Cash Credit Avaik,ble Sl f 1.00 _ New Baksnee 13,188.96 Cgshbcttlc Bonus° Opening Cashback Bonus Balance 5 } 1.45 Nsw Cashback Bonus 1'Ida Period + 0.14 Cashback Bonus 8alanca 5 t 1.59 CashbadcBonua09Annivaraary...----- •----------------------.._.._.----'-------------------------------...----- 'Morlh: t~cerrlbor l ;Keep bi,rklirtg your rewards Wdh every Stet reckemin8 once you reach ~ShCethback BonusNtl. •',1~7vri Call ~e [lam YOU? P 1. Vick Dia°~+rcom b peY Your bR ier no eosiy viwn yn r lartt Account information, .ern one rd..m rwards "and mat ;Il'rs ~~ C~101Ct3 ' .3 yypys fip help , 2. cal 1-B00-DISCOVER (~7 2683) for fast, easy selfaervioe iPlsase haw your Diacovx Card avaik,6le. or to speak wi~i a Cusbmer Service Accourrt Manager 3. Wrke +xi at Ditoowr Card, PO Boz 30943, ':For TDD lastistanee for hearing impaired) see reverts aids Sap lake CNy, UT 84130 'Transactions $0 Fraud 4abfGty C+varantea Ua. your Dixover Cord wtth conRdencv. ' Trees. test i Dab Deb ~eynrenh end Goths Apr 17 Apr 17 INTERNET PAYMENT - THANK YOU $ _260.00 ?AAsrchmdiss/kerai Apr 16 Apr I6 WWW.piCKSSPORTNGGOODS.CO 877846.9997 PA 59.65 ~f insets Charge Summary i ~°~ c ~~ ~ ~ ~ 5~~ Transaction ;cwrent biping period: 31 days _ . +Pureh~ 513259.26 0.04997% 18.24% V 18.24% 5205 39 SO Cash Advances 50 0.07'1219'. 25.9976 F 25.99% . 50 Sp The robs the apply to your Account aro either Hxed {Fl or they may vary {V~ as Holed above. ~__ inpadne rerir'Umaie~nonea+Qelorii6inpaNNndn~,.ehibiaal..aip.0.ror+a6faw.~o~Yi~il~faMnd~n, S &~Yeur, nori~jr.~.ya.arom~meap..m,noa~irawi.rm.ayarnoooun-. ioKsr ~1c+ir~otr3a~. ; 61~IglMOMI- IndeidErtaiaOuMbniAEa~tlbur8itlfyoul~nk.ybirhllk aiydu'tridaea~f~fa4rio~i+baka6in~idihamygrE~,~dipwona lnwiicilw~itd . '~Oioorir,POBai30121.Siklala~(agCiIT94yT0.021.ie+aanali.Nh~tMerhwyauralalerlronEOdiyf~Yrwiiat~foulhef916iAau ~~~ ~.d.~wawp~a~i~.areoio,oi~iita~+erw+~.~+:~arrr^,o~,.~ieiro~i+~:~.~: ; •TAttloirr . 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Print your email addroa b ~ ,~ ~ 1 reteiw importard AOCOUrrt tnwrmation and special otters. 00000198645832443085713'1,04300000000026100 ! ~ISCOVrBr MO!"8 Account mimbsr ending in Paymerd. Due Dace Minimum Payment Due Credd Lim~7 Cnsdit Avaiable Cush C,edit Limn `: Cash Credit Avoilabls Card Accoun# Summary Cbsing DaN: Map 20, 2009 5471 June 15, 2009 ;261.00 613,300.00 689.00 66,800.00 689.00 page 1 of 1 613,188.96 Payments And Crodds - 260.00 Purchases + 84.00 Cash Advances + 0.00 Bakma Tranahrs + 0.00 Fitaasae Charges + 197,47 New Bateau = i 3,2 i 0.43 ~OSIIItdCIC Bawd' Opening Corhback Bones Balance 6 11.39 i New Caahback Bonus This Period + d.21 ~; Cashbodc Bonus edana 6 11.80 ry.._...---•---... i~CashbaelcBoiwsAAnniveno ---......__•.___..._....-------------....-.------------_-___._._..__._._. -- - ~ Month: December ; Keap building pour rewards with every h d ~ Stet ro ssmirrg Once you roac ;ZO Crs4~badt 9anus6t}. ~ ;How Can We Help Yov? 1. Visff Dleeevereasn to bill for ne cat, v,evryosr b t A t d k d d d r ;ti's y~wr clwice - 3 ways ho help > .s «orrn an r. .ern ror,br mare a n rr 2. Cc8 1.800-DISCOVER (347.26es) wr wet, easy sellsKViee ; Please harp your Discover Card avaiiabk. options or to epsak a Custaner S«yiee Aeoowd Monager 3. Wrde w at Oisoover Catd, PO Box 30943, for TDD assistonu for kn see reverse side I ~n9 Paired} Salt Lake City, UT 84130 r ;Transactions $O FC aud l,i~i~ity 6uoranUe Use your Discover Cord with eonRdsncs. ~~ ~~ ,, i ~ Date PeymNNs and Credits Mq 2 May 2 INTERNET PAYMEM -THANK YOU ~ -260.00 Services May 2 May 2 UfETOUCH NSS ONLINE PAY EDEN PRAIRIE MN 42.00 Moy 2 May 2 i LIFETOUCH NSS ONLINE PAY EDEN PRAIRIE MN 42.00 ;Finance Charge Summary ~ ~ ~ ~ ~~ ~ ~ curterd bipkg period: 30 days Purdsoaee ;13173.00 Cash Adrarrass 60 0.04997% 18.24% V 18.24% 0.07121X. 25.999: f 25,4916 6197.47 SO 60 SO The vales that apply to your Account aro edher fixed ~ or they mey vary (V) ~ noted above. 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Go papertees end make your eooount ntom~a i Bort more seaxe wv~ pwsword- p ~ Lemm more at r~~ PO BOX 6103 ~~~ar~~nns~r~~~ur~rr~r~ CAROL STREAK IL 60197-6103 Address, email or tek+phoro chargsT Print clwnge in spay ~ ~~n~~u,ur~~~r~u~ur~i~~unr~~~~urrF~~r~~rnrr~~rr~u~~ show, or go io Diseover.com. Prird your caned address to ' reedvs important Account information and afwcial ofFxs. 000001946456],2443085~7~3247,82000a0000026100 'Discover More Card Aaount Summary . Closistg Uuk.: Jwsse 20, 2009 poJ~ 1 of 1 'Accourd number ending in 5471 Previous Bdaice $13,210.43 ;Paymerd Due Date Duty 15, 2009 PaymenFss And Credits - 261.00 ;Minimum Payment Dw 5261.00 Purchowa + 66.73 ;CrrdB Unit 513,300.00 Cash Advances + 0.00 .`;Credit Avaikyble $58.00 Bakxwe Transfers + 0.00 Kash CrodM Limit 56,800.00 finance Chaeges + 225.64 Kash Credit A.~kable 358.00 i i ~u =13,241.82 Coshbadi; 8onu5e opening Cashback Bones Balance 3 1 1.80 ~ New Cashback Bonus This Period + 0.16 ' t;,osbbodi: Bonus Bdares 3 . l 1.96 sary--------•-- -!C•asFibackBorws®,4nnirer -----------------------••---------------------------•--------------- Month: December i ,Keep buiklir~ your rewards with every Spurchase. Start redeernirg once you reach 1320 Cashbadc BonusQtl. ;How Can We Hfsip You? 1. Visit (Msteseacesn to bag fsr sa ceec view your lalsa AecaiM irdormaM~on~n and rodeem rewards and moro IfrS yOtfC Ct1o10B - 3 W~/S EO htalp 2. CaA 1-800~pSCC~VER (3A7-2683] for fast, easy sel6servioe or to s eak wiih a Custom r S u i e A F AA ! Pk+ass haw your Dlscawer Card evadable. p c oco e erv n anager 3. Write us aF Discover Card, PO Bax 30943 ;for TDD (assistance for hearing impaired sea reverse side , ~ lake Ciy, UT 84130 ~,Tronsactl0!!S So Ft+atd Uablkty ciuamnite. use you. Discover card with w„rd«x.. i ~ ~: Paysneats and GwlAs Jun 12 !un 12 INTERNET PAYMENT -THANK YOU $ -261.00 ilVlerdrandse/Rsted Jun 2 Jun 2 BREAKAWAY SPORTS iATHAM NY 30.00 Gasol'irs May 29 May 29 EXXONMOBIL IAKE GEORGE NY 27.75 --•-------•----.--- --.--~x.2Q..~deJc29_LOYT:,S..c91-~liRY_STS~RE.~3.kIAMB.URGP.E~_---••-------•-----9.00.__..._._.. ~firwnce Charge Summary s A ,v°°ag NamUwl ~ ~# AGE dk ~ jn~,~o„ fee ~ i i S a 'eurwit bidir~ period: 31 days ,Purchases $13289.51 0.0547796 19.9996 V T9.99X 3225.64 30 ;Cash Advarress 30 0.07121 % 25.99X f 25.99X 30 30 !The riles the appy Fo your Account are either fixed BFI or they may vary m as noted share. i i bpnYnt MrwaNmaerreaapipebNsOinD„eMeb~ckdwdipg~bnddtlaWiapal~diro~uon. ~ c Boyar JlBreereel.lbrrCsdmNebaAgeems~lcpMaiKaihtrmedyowAaart i LatasbNrr bMradrdlAGBb80W17~iN3. l~fgll~+ls bC~lad6~ona~pbreAbodlflo~rBRXyouii~c ~ - Yret y~y~ YoabtbMwe~oep~~alfyalrordmasY~famMiawbwtaYriadonmpurhll~wAMbwona i ~ rh~bereaa ~a~ l ~na~'8erlakeCgl,Uf84190d~21.aeeoonespaeMds.~~~rraay~~~lhea88deysehweoentyarPubArbBon! a •yblrrraneand ~ . iernhec 1ebD~ra~6ddofngeorinolpaar~el~ow~I~Is.blroaUMM,9Mu0rlblcwipNbnnlo~ i •lhedoBremol errrpicbderwor. ~ •oeeoh3ti.no. 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ForTBO OavleNerlMOeelFaMlWop.pYeeeaeYldrFt47.7M1. ! i decawresy' itltR~eoordMiapipeetaMlbeMrsMryouandDtsaorsrnpgea~tlNSyagwNyseeuranaepupoees, i TheOYmia~ Yhrradby0lsoorsBedr,lMehrF01G O1TB1(171, CARD 20 SDSPIHi10t OOt7a38 BOWSER, SUZANNE E 3947 LENNANE DR STE I20 SACRAMENTO CA 95834-1971 Minimum PaymertT Due Acoount Number endirg in 5471 5464.00 Enter Amount l"enelossd B.}aw Payment Due OaM $ !1 August 1 S, 2009 Please make check payable b Discover Card or pay onlirre @ Disoowroard.eom. Cio paparkea and make your aocaunt infommdon more sxaus with pawvrard• armed rmrrb only you catirt sa~ae. L~rn more aR discav~.r:oMpspsrleas. PO BOX 6103 ,~~rrr~~rnu~r~~~rrr~n~r~ CAROL STREAM IL b0197-6103 Address, email a telephone clrage8 Print charge in sNaoe (r~~n~~nrnr~~,r~n~ru~r~~nnr~~~~nnr~{r~~nur~~rr~n~~ above, or go b Diseaver.wm. Print your small addrea m reoeivs importam Aeoount inFornrotion and special oFFers. OOODD198645812443D85?13Z98560000DOD002600p Disa~rer More Curd Account Sumlrlnary Cbsing DoAs: ~Y 20, 2009 page i of 1 A,ecout rnnrrbar ending in 5471 Prwlous Balanos 513,241,82 i Poynrent Due Date August 15, 2009 Payments And Credits - 261.00 i Minimum Paymad Due 5260.00 Purdsosa + 0.00 ' CncBt limi 513,300.00 Cash Advaroea + 0.00 i Credit Available 5101.00 Balance TransFers + 0.00 i Casa Gedit Limit 56,800.00 Finance Charges + 217.74 Cash Credd Available 5101.00 New Balarres ;13,198.56 CafF1bClCk BpnvS' C)pening Cashback Bones Balance S 11.96 Kew Caahbadc Borws This Period + 0:00 Cashback Bonus Balans~ 5 11.96 -Eoshback-Borws®Anniwrsory - ... - - - - - Month: December Keep bur'kBrg yore rewards wNh every Spurdvo»k rsdeemirg once you reach lRl• How Can We ~ You? 1 • visit uisom~rcan to pay your bi tar rrs cwt, vies your ~ ` total Acoourd irrFormalion, .an and rde«a nNwrds and more it's your choice - 3 W~ayB M help 2. car 1.800-0ISCOVER (347.2883) F" tart; .asy selir.rvice i options or b speck wRir a Customer Service Aacoart Manager Please haw your Discover Card available. 3. WrBe us at Diaeowr Cad, PO Box 30943, I For TDD (aaistara For hearing impaired) see reverse side ~ lake City, UT 84130 ' 1 , T[+attSaChORS SO fraud liability Guatariss Use yaw Discover Card with confidence. ' j rinrrm. Post a Cats Payarwrts aril Cndis .kd 10 Jul 10 INTERNET PAYMENT • THANK YOU $ -261.00 ~ I FUWnC6 Charge Summary • SAL AtrtAlAL • Periodic Fr~aAuNacl~ian current biNirg period: 30 days i Purchaes 513251.58 ;Cash Advances f0 0.05477% 0.0712196 i 9.9996 V 25.9996 F 19.99x6 25.9996 =217.74 f0 SO 50 the rates drat apply b your Account oro either kxed ~ or iFay may vary m m noted above. 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Yaweadon uhi«daw~b~wpedO4weaapnrEreneee~YPalodio~~eeoe-apryntread~aeyarwsew~ppwbdforaediraneecronceMpoiy.vreweae ~v meprePstodloFiw~oe br i l+b++ewDey tlme.(eey~,neftr4wbdl~elwy~ (10w~M~p. `wbedrryeeuireaeywYou-blipWdewenttorONteemank.iThenweedduprieP~riodfcfiw+aQwpesbrexhtawecOoncaOgorybp {1elo~ tiryourllaonutThe/MebpeoNyeernoeteahoeaaszwo8,eec~nedMegacepeffod,noasdodlcanr~oechdgpappktotreelMioeMii ywualu ' ~ DiyBeWa~~epiewrtareeton~melnddcelgbYipMeOelwioeuponrlid~winpaePsioaeFhmiuClapaNMoompuNrtewMepegAy BeYroeloreet!' . wrpo~yby upolhsdeybdlnaefnehNngpwbdtorsYarecloneabpOryenddleidrplMblYbyrieieenDaddeyehriehlYnBPMIod i UleCanpuUb~ ,bNrittforw~hheiaelon4N0onCnar~dntbrUstaAdroArb~nbMe~ewe~erriarr~..~d...,~,~..,..r,,~,.....u,_n._.,rr.. s, rw lew- M uepeN eeNwoe a lr hieos hmKx ad lie EaMM~ce TrarM Tgneedoo Fis Hnena Cherpp b rie eYMeed pucMee laneeclon ~M9wQ IwlsheeSeenlemiYleNdtndrbDeleXRMetedoe, w-Mrrselie~r~peidbeAnsdrisEelenestanderend rie B~noe7wwlarLrreefon FeefMa hb4ehr~oebsrArhneedoeaAeywyledltNe00delrebrouNheeseepYed. ~ ^kiloee Dwloe ta/be Dee4 eenilelnw, plaeeal fi00J{71Ml. . esel~ar oecad Celeplgia tale beleeen you and Ditmrer ropesenblvee fot que0y esmeaae purposes. keuiabyoixwaeed4-IaeberFnlG o~nr~ DiSCE~VER s" 3 3`° CARD 20 SOSt~f8A0t 0017037 BOMBER, SUZANNE E 3947 LEMNANE DR 5TE 120 SACRAMENTO CA 95834-1971 Minimum Payment Due Aecourrt Number endigg in 5d71 $261.00 Enter Amount Erielosecl Belovr Payment Dus Date a septermb.r l s, 2004 Please make check payable to ascowr card ar pay online ! Dismwrcard.com. r;o paperlese and mala- yoer accounk Intonrbtion more secxgn wun password- r~otectad steternants orgy you can acxeea. m more at dlssrovvarcorrsxpapetless. PO BOX 6103 Illrarllrarralrlilrrrirrl.l CAROL STREAM 1L 60197-6103 Address, email ortelsplrone ehongs$ Print change in space ~r~~uE~ssuuQ~r~sr~ur~r~~uur~~~Rnus~~r~~»rrr{~u~re~~ abo+w, or go 1o Diacaver.com. Print your amait address io roceiw 1mpoAarrF Acca1M Infornratlon and special offers. 0000019864581244308571x323?0200000000026100 `Discover More Card Account.Summary dosing Dais: August 20.2009 page 1 of 1 ~A,ccount number endixx8 in 5471 Previous Balance 613,198.56 ~PaymeM Dire Date iMinimemx Pa nt D September 15. 2009 6261 00 Payments And Crodits - 260.00 yme ue . Purchases + 74.29 iCredN Limit d' ~C l bb A 213,300.00 Cash Advances + 0.00 re vai d a $42.00 Bolarxcs Trmrahra + 0.00 Cosh Credit Limit ;6.800.00 Frrmsa- Cb a + 224.17 iCaah Credd Avaiksbls i i 662.00 Naw Bnloncs 13,237.02 COLS116CCIC BWttJSe Opening Cashback Bonus Bakuree 6 11.96 New Coahbocix Bonus This Perbd i ShopDiacovx & Pronxationd + ~ ,48 ' Everywhero Ehe + 0.00 !Gaahbaek Bonua~ro4rMiversary . - - - - - • - - - - - - - - - - - _ Mardh: December _ _.c~6«~~~Bo~e~a~----.._.._------~---•--ys:aa~----- ~~~~~~ isZOcaalrbaclx~ ~ ing orra you roach 'How Con We Hel You? P ' ~ "'~ o~aew«emr ~ ~-~~~ ~~+-~~'-yo krtsst Aecoxxxt trdiorn,atron, Beam and reefeem rovvards amid mare ;~rs your choice - 3 ways i~o help 2. Cdl 1.800•DtSCOVER (347.2683) for fast, easy selfservice Pbase how ytwr Discover Card available. ~' tO weak wNh o Customer Service Account ManoBer ifor TDD islarxn for lxsori kn i 3• WrNe ua at Discover Caxd, PO Box 30449, (ass ng po ndf see reverse aide ~ Laks Cis)g lR 84190 'TranSaCfiOnS SO Fraud liabp{ily t;vararstsb use yvwr Disoowr Card with conBdencs. ~ Trau. Post Dab Dais ~Paymrxgrts and Ca+drls JxA 31 Jul 31 INt'ERNET PAYMENT -THANK YOU $ .460,Op 'Supermarkets Jul 22 Ju122 CARUSLIi BARRACKS COMM CARLISLE BARRPA 74.29 i i Finance Charge Summery . Average Daily ~ it Al~AI. ~P ~ iTAt1E t~AGE C~ ~ ~ ~eumrd billing period: 31 days :'Purchases 613202.95 Kash Advarxcas 60 0.054779x, 0.07121 % 19.99?6 V 25.99% F 19.9496 25.99% 6224.17 60 60 60 Tl» rates that apply b your Aocount aro eillrer fixed rF} or lhey may v~ory NM as noted above ~ Nriaei inafhaaoep~pblif6igwMmnLfaeiMCEed~aiftdipgeforfdKYaiNiMyalintifbmuMm. a tiNyev lbvf~da~fibarAOroeuwrtooAdYxa~i~lnmsotyogrAaoark. 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O~btMYldbEfA710e"b ff~efufPwrfffnoe~ofafOl~W~iCtl7parymlf/Y71a~Ya7'~P~a-~YPw~ ~ Niet~leped AaQuftaffddedbrisMeadeAd _ tfifff~tlon wlbiMfotaplaadCfehAdfu~csTofFasftianaCirigfsrNohmfOdedblh~ b!!plaWrete ~fieLrgetdltelenoe (iMOf iNnMtt Mid S1MylerT~MM/fllanfN~Yl011W ~f the eYlldeN pYEdifMC Ilff~plf~QOfyC Haeeee~MlM wtelixLeenbm3ubdwlrtlisDeiuNEhies~~rwNwelr~e~paidbwuioeafrieLelr~ceYafireadbeBeMae7ram4rTwmfclbnFael~~ce ChirefNttr [flfw+trasfwMenacKoncaYporfu~tllGf~elalewiWhsw~sd . ForTOD`fiN~M~OaaDwloefar14e0ed~fulNwa, Plow W 1~10o.7/1a~IM. ~ OieoDYNfwf eedbjl9eaNkdepMroCeletiNrbeeyouendDheeVa~epQor4~YeP~P~ TAeOleooveilar~fekmedbJOroorxibekMentett~IC. OfiBltnt; k i DISCQVER s" 3 ~,~ CARO 20 SDShI8A01 0017038 BOMBER, SllZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95834-1971 Minimum Payment Dus Account Number end" m 5471 $526.00 Erder Amount Erldased Payment Due Dais $ ~~ October 13, 2009 p~ make chedKpayabls to Discover Card. You are awrlimit d d id le wm of » mor3 y . roY .. minimlml payment plus the owrNmR amoulA of 3241.62, Go pspeties6 and make your acs~tlnt i M orm ation more seaxe vnlh passwo-d- p ~ ~ Lenin ma~ drscovar~eomfp~aperless. . PO BOX 6103 111u1~~un,~s~11ns1u~11 CAROL STREAM IL 60247-6103 { Address, s.maq or HFsphorls ehmlget Print d,orlge in space 1111!11111!1111111111111{'t1111t111111{11111111111111111111111 above, or 8a b Discwsr.com. Print your a.agil addnas to nniw importanF Account irlkrmation and spacid aBers. DODDD1986458]12443085713541620QOO0000[152600 Discover More Cara Account Summary closing Dale: Sepisnlbsr 20, 2009 page 1 al 1 Account rwmber ending in 5471 Previous 8akaloe S 13,237.02 Payment Dlls Dale October 15, 2009 Payments And Credits 0.00 Minimum Payment Due 5526.00 Purdwsas + 78.00 Credit limit S 13,300.00 Cash Advances + 0.00 i Credit Avaiksbls 50.00 Baianu Transfers + 0.00 Ca+FI Credit Limit 56,800.00 Fhlena Cllarga + 226 60 `• Cash Credit Avaik,bls 50,00 Nsw Ba a a 513,541.62 i s i _ .~ i t4J5116At~C gOitlUSe Opening Coshbock Bonus Balance 5 13.44 Nsw Cashback 8orwa This Period + .d0 1 ~ Ca:hbock Bonus Bakxrce 5 13.44 -i~C.whback$alus@Amliverw ~~-------~- Y-----''----~ r -•--- ------_..---__....__....._---._:_..-~------------•- - •--- . Mordh: December t ~ How Can We Hal You? i p I . Visit 1)lscovsrtom in pay your bIB for rw ~ view your latest Accourd klforrrlaFial sore anlf redeem reNaids ~Id more 1 Il''S y«fr choice - 3 ways ~ help , 2. Cal 1-eoaascovER (347-2683! fo< fast, easy seif service ~ Pk1aa have Du"seawr Cord avaiksbls. Y~ or b apsak v4111 a Cudorner Service Account Manager ~ 1 For TDD (aaistarlp for hswring impaired) ass reverse side 3. Writ us d Dlrcowr Card, PO Box 30943, Sok lake City, UT 84130 TMnsocfion5 $0 frowd liabi4sy Guat+antse uae your Diacowr Card with confidence. ' Tana. Post 1>bte DaN ~ Olllsr/MiswYalsws Sep 16 Sep 16 LATE FEE ~ 39.00 Sep ZO Sep 20 OVERUMR FEE 39.00 s llttorni<ation for You • • • ATTENTION • • * Your aoeount is past due. Please pay the past due amount rrow, or corlksct us to make o1Mr arrangements. i i ;finance Charge Summary -~~~~ Average lY At~Md ~ ANNUAL rranxrcHon ~ l_ky'ly B~ is t~E~~ iTAOE ~P~IAGE P9~. ~ > axrent biting period: 31 days r ;Purchases 513346.34 0.05477% 19.99% V 19.9996 5226.60 50 ;Cosh Advancea SO 0.07121 % 25.99% f 25.99% SD So The rubs the apply to yow Aecouni an ellher tired ~ or Ihsy moy vary M as r1oMd oboes. ---- ltou -~~ ...r. -...,. 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Wewefie DelYBdr~ry~drrgibrarifaradoisjnrlhodda4b0ig6tbela+oexpmrNdnrei~earPa6afoFlnsraClwpraalMeoompublM/yprpsgpy 8~4Kebtw! tM~yogbi~ipilhed~yhrntet4a br~MamcUooeMepayadd~ArlnplMbt~Ibyliea~ddhnn~rbirnY9~d~ NraongrdbM' --b~1~oela-ad4 _ ~°4'w~d9!~'l~~bSbbNi9bfyP~wd~A/~t~iYD~Yeoxbarcetlion~aTrr~rrlmOordfhr r the Oig tb FalOD DwWIofMDWFaMW~a,~wpr1i00.t47-7411, D'aeo~melr a~otrotddgl~plgMdlibwrraaiywa~dDhoOwrropre~brgrgl~tspaargpuposas, m0 6heuedbyDhoorer~'MbmbrFD1G O1TBKtiS i DISC©VER CARD blew Schnee Minimum Payment Due $13,541.62 $797A0 Payment Due pets Nownber IS, 20119 ZO SDSNBA010017039 BOfPSER, SUZANNE E 3947 LENNANE DR STE 120 SACRAMENTO CA 95634-1471 Account Number en~ng in 3471 Enter Amount Enclosed Below ~~ GD peparls~ and metre your aocaxtt intormetion more eeoure vAth peeavrord- Leemef~ritore et-er°~•t PO $OX 6103 111u,llo,nl,llln,lnl,l CAROL STREAM IL 60197-6103 ''' e'r"°~ °''°~1ior ° `i10f~"~ Pr"'~ ~'°"B• ~"'~°`° f,if„If,,,,,,fl1,l„f~„I,fl,,,,,illl,,,,,ll,lL,,,,Il„!„!I show, or go to Diseanr.co,,,. P,lnt your .ma8 addrw to roesiw impoAanF Aecaxtf inforr,wMon and special pliers. gUUgflbq8645~ib2443q857b354162q00q000f3q797i1fl ;Discover More Card Account Summary Closing Dair: Ctdober 20, 2009 page 1 of 1 'AeeourY number coding in 5471 Previous Balance 313 541.62 ;Payment Due Date November l5, 2009 Payments And Credits - , 0.00 iMirrimum Paymsrd Due =797.00 Purchases + 0.00 !CrsdMLimiF 313,300.00 CaahAdvanees + 0.00 '•Crodfl Available 60.00 BalarKe Tronabers + 0.00 ~Ca,h Credit EimO 36.800.00 Fs,errn Charges + 0.00 Ca,h Credit Avaik,bk i. =0.00 IVew Bnlancs t 13,541.62 i i ' i CgSltll4Cle Bonus' Opening Cwhbaok Bonus 8ak,,,ee 3 13..44 New Cashbadc Bonus This Period + 0.00 ~ Cosftbadc Bonus Baknn 3 13.44 CrnhbockBonv,e~4rmiveraay------------------- -------------------------------...--- ------ ------~~-•-------• ~Mortfh: December • ;How Can We Help You? !t's your cho+ce - 3 ways 1'o help i Please haw your Diseowr Card avalktbls. for TOD {ossistanes for hearing impoked} see reverse side i i i 1 1. Visit Dieeoveraom b i~ yer,r 61A lor,w cost', view k,h,t Aaoow,t iofomwtion, cam and redeem nw~aKls and coon 2. Cats 1.800-0ISCOVER 1347.2683) kx host, eogsellservlce options or to apedt wish a Customer Sarvke Aceaw>« Manager 3. Write us at Discover Card, PO Boz 30943, Sak lots Gty, UT 84130 I 1 I I ;Finance Charge Summary 3 Nominal ~rlodk PIBTAGE ~.-. P ,currant bring psrtod. 30 days RA :0 0.0'5477% 19.9996 V 19.9996 30 30 Kash Advances 30 0.07121916 25.9996 F 25.9996 30 30 ;The raFes tMt apply ro ya,r Aeeaunt an either fixed 1F1 or they may vary 11q as noted above. i t r ~ NMroiiaaraiMnmepyablNabinP+YYn~nl:aaalMbadrdeal-pgsforaddYiaaiimpagnthlnmalar. i laayaar 16UrCrd~aam6MApr«wiapndiMalhaWmad~arAacauM. tealaabMapwda, taindaYylptli1pa17,1tq. i 1r41r~M InCa~d6roaaGuaNarAbodlb~rBltNyaut~bkyoir6rb aRyaurwedmoraidoaoaaNmaboba9a~onmyou-hi.wAebuema w~flwaaaa ' dl~bu~aarl~iplan~iu~atd~dap~~Att~~D~4Rttvnava~lqum-~l~l~ p~tie ~a~bia ipirfa~rmN ~dlarwe.ex7oulpa6Nhllon; ~ •14uraaaNatl rtaaEef: ~ •1MdoMraaiouald aurpa~Mdaaa ~ ; oaaoaaaww : ep4h,~1llNpaaA,+rhrwneebwnwranerracr~ourwea,a.l~aloa,eboAiaRrrea~ya,.euauaaoaw. 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Fa7oD_ Dw~eabrlMbaaf-aaaMaaeApfwaatlaBDaBd1N. o!.ooreraie-r agrcrn~aakrpia,ecalseeMeenyoumaoNeorarnp~,mtlvalargrwiryam.euoepaposea, itaoboarei• lekweab/oieowarBank,htamearFrnc. orre!n» New Balance Minimum Payment Due Account Number ending in 5471 DISC©VER sl3,s~1.~2 sl.ubeco i:r~er Am«mi En~ed aelarr CARD Payment Doe Dais becerrsbsr 15, 2009 ~ trosttsAOt Dat~oao B01tiSER, SpZANRE E Gopeperiesaatrdrnalaeyotusocartt 3947 LENNAIiE DR STE 12R ~i1or"~0"rAOP°~Re~~~ d ordy yet can accees. SACRAMENTO CA 95834-1971 mom at discovercotrvpapertess. PO BOX 6103 ~~~ur~~uns~s»~ar~n~r~ CAROL STREAM IL 60197-6183 Address,eanallortelepbonsChangst+PriMehmtgeinsQaea ~r~~rr~~ueur~~~r~n~rn~~~~uni~~~trnu~jrt~nrn~fn~ir~~ abaw, or ao b Discover.eom. Ptird your email address to recslw imporlanf Account MFotmofion and special dfrs, 0000019864581244308571354],6200000000106800 Discover More Cord Account Summary Cbsktg Da1r. Nowtnbas 20,1009 pegs i of 1 Aetoud rn«rnber ending in 5471 Previous Balance 313,541.62 i Payment Due Date Deeemixr 15, 2009 Paymenh And Crsdita _ 0 00 Minimum Payment Due 31,068.00 , Purclwres + 0 00 i CredH LimT 313,300.00 C d A l bl , Cash Advances + 0.00 re 7 vai a e 30.00 Balanaa TrauFsss t 0.00 Cash CredN limit 56,800.00 Cosh Credit Av 'l bk 30 00 finance Cherg.s + 0.00 a a a . i Nrw Balance X13,541.62 i ~~ Q psr ~ Bonus Bal $ 1 ~ a Qt10 . ltedeentsd TFga Period 13.44 ~Caahbaek-Baws~AnntvKSary-_..----------------.._ _Coshb~c~C.Bonus.8daixa_..____.._.....---.5----.--0,pp--• ----- ' Month: Oeoember i How Coin We Fief You? ~ P ' • v;~ aKawr~ fo p~oy your b1 fie. rto ~-, vtewya+r carat Aaoow,t inFormatian .an, and nd..m rewards and mare ff'S YOttC ChO~Ce - 3 W'OrS b help , 2. cat{ 1-800~DiSCOVER (347-2483) for cast, .asy aslFasrvice r s Plewe how your Discover Card availabb. options or ro:psak wUh a Customer s.rvic. Acaamt Manager i for TDD {assiatarres For hearing is~airsd) see rewrae side 3. Write us at Dtscowr Card, PO Boa 30943, ~ lake Ciy, UT 84130 Finance Charge Summary ~~ } rc ~~ P aunerf biNing parbd: 31 days ~ 30 0.05477% 19.99% V 19.9976 s0 30 Ca~lr Advances s0 4.07121% 25.99°6 f 25.99% SO SO The rates ~ ro yaw Account are either fixed (FJ or they may ~ M as noted abov.. . .. _.. _.-... ..__.._~.. __•____•____.~1~1~ ... 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TiMDhoor~rA f61seUMhyDiaoovYrBmk.Mei~baf01C. 0178Ki71 ~ISC4VE~' s ~1'~" CARD 20 SDSN81101 0017041 BOWSER, SUZANHE E 3947 LENNANE DR STE 220 SACRAMENTO CA 95834-I9T1 Mlntmum Poymerd Dw Account hiumbsr ending in 5471 S 1.339.00 Enter Amount Enclarsd Blow Payment Due Date $ Joswery 15,1410 . Go pepetlesa and make yott eooamt I n t a mtation more searte vrkh peswsord- p t ~ t Leusi more atdlsconrar°~eorrds. . i'0 BOX 6103 ~~~,u~~uus~s~~~u,~o~,{ CAROL STREAM IL 60197-6103 Addross, amntt a iebphons ~angeT Ptinf elwrt~ in ,pace ~~rr~~iuwr~~~r~et~ut~t~~utu~l~(unt~~t~~tu+rR~o~a~~ above, or go io D;aoower.oom. Print your e+nap address to ~t receive impotlant Account information and special olhxs. OOOQ014664581244308571354b62000aaQ0013390U D'~scover 11Aore Card Account Summary Closing Dale: Daembsr 20, 2009 page i al 1 Accaurit number ending in 5471 Pravbus Balance S 13,541.62 ;Payment Dw Date Jamrary 15, 2010 Payments And t;,ndits O.Op iMintmum PaymentDw =1,339.00 Purchases •• + 0.00 GadR 13rnM =13,300.00 Cash Advances + 0.00 ~Credir Avaikbk :0.00 Balaacs Tranahrs + 0.00 iCasfe Caedit Limn >j6,B00.00 f6rarrce C6wgss + 0.00 :Cosh Crod7 Available i i 60.00 New Bakmcs 13,541.62 ~~ e ~Ca ~ Bs T B ul s Q 00 shbockBonu ir a P erF od .p 0 Cadrbadc BonudB ~Monfh: Deoernber Co~ltbadc Bonus Bdance 0.00 'Haw Can We fie! You? 1. visit Olecewrcom ro Pa,, yo„r ~ ~ ~e ~ ,mow your P latest Account iniormaRon, earn and redeem swards and more i~fr8 your ChOirCe ' $ M1ldys t0 help 2. ca01.80UDISCOVER (947-2483 lac (mt, cosy sdtswvke 'Please how your Diacawr Card avoik,bfe. a.Ption' or ro speak w[Nr a Cusbmer Service Ao f+haragsr iFaTDO laasislance for hearing impairod~ see reverse aide 3' ~ mot Dra~ C~ , PO Box 30943, ~N finonce Charge Summery ` ~~ ti ~riosd e N lnd RAGE qr currwif biNing period: 30 days ' _ `Prechaae =0 0.05477% 19.99% V 19.9496 i0 ~0. ;Cash Advances =0 0.0712196 28.9996 F 25.99% =0 SO The mtss that app y b your Aeeoure aro either Roved {Fj or 1heY maY vary jV) a: soled above. 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(Ibu wtrb imnced~psa~mno~YanyarbiqsleMfwibrriweomoude.}ThenMeoddtpMPwio9¢F1iMnooCfispoofotMChtaaoclioncotpo~ybpetf~eblaY layarAcaaW,thelasopoDalpBM~nwtMa~m~xaml4b~coNOOflhegaapeibd,ooPNlodfcFtabsCMgeooppyb~AsEasrooi~a MAeuoerio DdyBYna~ndudnpnewbANdo~r~amlioddulalariptlm6dsoeuponwldd~welnpowPMiodfeFhmoeCl~apse,Wbmmpdsrie/wws~pgey } Birmbrrd ~r..w~~...w~.......rr..1.r.- • i_..~_~L.~_~~--"-- --•-- --- - - - ~- lie ale ni 1~~N tI r10 {wMbeb~~IMiC~OR Ce~yUMrle e~eG{i~f~eMad{{hNel~hMd. •••••~•••••w•wv.•w.u u~ewrr7 ~KOw IfRW~470fI MRF/q~CR Fertao o.MOe~orn~.aale,ewana,Mw+aa~s~esaaao. oroo+.ramr andAorrxadk4phonsukbetwenyoua~aoteovrernpernhd~b,brbmlpraeatanwpupobs, ineoYooMeie Niauedryaooo~weodcwmD.rr~DIG Ona~cnt Narvv Bdancs Minimum Payment Due DISC®VER s13,ss1.ss s1,blaoo CARD P eM Due Date IS, 2010 ~ SOSN8A010017042 iiOWSER, SUZAl~NE E 3947 LIcNNANE DR STI: 120 SACRAMENTO CA 95834-;971 Address, email or telephone dwnge9 Print ohonge in apace above, or N b Diacover.eom. Print yvw .+nail address to rocsive impoAaM Account lydotrnaHon and spsclal offers. Account Number ending in 5471 Enter AmourA Enclosed Ba~bw t3o p and rreake your accwrutt irrforrttatlort oars ssoure tv~lr passvwni- LeOmmore ~y~, PO BOX b103 {{lusllrnulrlt{nrtrr}rl CAROL STREAM IL 60197-6103 Irllrstlrnnrlltrlulurtrttrprsllilsrr„Ilsllrmrllrrl~r{I QOg001g8645b124430857~3541620D00DD001610DD Discover More Card Account Summary dosing Dais: Jmtuary 20, 2010 pogo l of 1 Account marber endir~ in 5471 ~ Pwvious Balance =13 543.62 Payment Due Date February 15, 20 i 0 PaymeNe Arrcl Cnxliis , 0 00 Minimum PaymentDw x1,tS10.00 Purd~aaes . Credk Umk x13.300.00 Cash Adwrrass + 0.00 Cndff Avaiable h C C di Li it x0.00 eulanee Transfers + 0.00 re w m t Cash Crodii Available x6,800.00 x0 00 Fsrance Charges N B f + 000 . ew a anw ~13_b,d 1.62 Ccshbadc 8otws' C>penin0 Cashbook Bornrs BakxKS x 0.00 Now Coshboek Bonus This Period ~ 0.00 Cashbaek Bonus 8dancs x O.W ~~aehboclrBonua~Mniveraary----___.____..._.._.__.._........--------- __.._ ~Jybr~lh: December _..----....- --------•--------~•----__...._._ ' -- - ;How Can We Help You? ;ft's your choice - 3 ways M ~P Pleas have your lTiscaver Cord available. ~ For f DD iossieMrue for lrsarirrA impaired see averse aide i i i 1. Vkit Dieeeverwm rb pay year r,wr for as cost, v;aw your latest Aooount information, eaq- and nsdeem rs~k and moro 2. Coq 1.804DISCOVER {347 2483) for toot, easy selF•,srvlu options or to speak with a Cusbmer Service Aaours AAceiagsr 3. Write us ~ D'raoovw Card, PO Sox 30943, yak lake Cuy, UT 84130 i i i --- i i i i finance Charge Summary i + A J r~l Bate RA~iB~iiTAQE (~ T `current b81kg period: 31 days Pwctwaea i Cad Advances The riles ib f l A f0 SD 0.0547775 19.9970 V 19.99% 0.07121 % 25.99% F 25.99'10 x0 x0 s0 x0 a app y ro your c i eowrt an eHh -- sr (fixed (FJ or they may way (Vj os noted show. r t r i bpb.tkla.rNoe. twskl~owMaaepgeblhb6iip~gMme~CeeeYrE.dcdaxhpiyebraddNa+efiapa6nli~nrton. iufAUrCMMMwalr - II~ _li~bl~r-Ca~OnMibrl~pMaa~to0nktr~sYlYnlwngdyalrAwowt ~ taefa'aoieaa.de, a~ae~iGlb11ti1q~4i ~11Wi MCrejd6asaOMoirlbur~MyaubiMgnurbik aP~ouiwdmarMomrlbn.0aitsY~n.donmyourht.w~Rebu~ana eepenle deeper PQ8ac90/21,SelL.MCIg;Ili8113G~01~S.s~soanapl~.WeaudlwrUamyouaoWet/ieaB6d.yeMen~eaaryouhiiM619on` S lburae>ws~nd ~lEuakkNq~oi»ue,6~idolnpwrAndP~~bYwrN~,yirs~sbetolOwbOYlona~lon: ~ ~7k.aokraeestp aeoG •weale.Tn.erar 1yo.a~..~irrourae+.>neakenwaTfyourosdma.bkentla.,dear6.q.krn ~onu.a6aA. ; ~ Ybudenotkwib aacl~lkquoAon.~Nw.ueMw~pkpbutxww~aElyMedbpytispskayar6ihrtrandingwflon.WNeweYbsN'plleyour ~ 4~twwaot yar+yd~kgawdaMar+nradfoabc~N.triesnou~trouar~law , a.+aapeple ueb • 7a+Yd Cefu..l am tawrwrwe d.at .rp~OdNknadonaborRyoa+aanlbadlbw~s.tw ~Iwrd ~ pbnrntN or aler dekdhon yoursooantmy pe MecbO b raraeQil; npatMk h.~+ble.ndpefi.enlhldoryd~,Meantbu.~~ arl~aa~ItMyou6UewhlaurhpatkirauMearboanpbN.pbew~ .ptMkTie.ir POBouc15318, DE'lilS46310.PWa yeurmine,.dbeee,do~aelebgiatereebereudAooountmeabec ~ Ot.a/'WbdOS ptkrR4l~y.~.Ywb~bkpw.PrlodcFln~pWgxoolibantiamMlYbubfgnQMiOrMmmbec~.a~IgwnOnyout b~gMMMrrK . kpabdbyodrAooardMerhdaedYaEbripPeaoObMA~kAtooaun.bVid~wesawW~pbkpo~PlibtllaFk~noe apN~t bne.eb.T+a.. dly tu4>ingpnbdbWlchltfepoeWb Meant Nhoo~wbilyloNPbiotCRwolpwpe~.allNsdMr Oyb~dnp a wkNoW.YKfyoaOOddddtrlMMBMa~OronyavD~wio~K6inpa1lMwiMb-.bMHnntn ~u.D~psgana~tMl~~nd)OUp~y Nelb. 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O1iBK17 ~$~®~/E1~ ~ ls, zo°o e s ,sal,oo °'""®~ ore CARD New Bakyrrce $13,541.62 203E76N1BAOt OOt~003 BONSER, SU2ANNE E 3947 LEMNANE DR STE 229 SACRAMENTO CA 95834-1971 Account Number end' M 5471 Enter Amowrt Endoasd Cio paperhas and make yore account Ipnrf~arma6orr more eeoure wRfi pasbrord- Leammora etrer~ corrrpp r~ks~s, . PQ BOX 6103 Illnrlluaslslllsnlsslsl CAROL STREAM IL 60197-6203 Addr.aa, ..nay or>rl.Phan. ~ Irih~tlrrrrrdfi,L~lrrrlrllr~rrrt116rr,rlfrUrrrr,IlrJrrlt Go b www.Diseewreom or pries charrg. b spat. abaro. OOOQQ}r98h4587r2443085713541h2QQQ0A0003r883r00 ~o~«a~g oa.: rattr~,y sf, ~o~o - ctg ~., fbruary so, ~oio t>e~ >I ~ t Discover PAoe~s Cam Account Summary Cardnwabar $traa Aecoued number ending in 5471 ors 8alonce Z 13,341.62 Paynants And Cndita - 0.00 Purclraaes t 0.00 Baksrrce Trans6era + 0.00 Cash Adwanaes + 0.00 arra4ar ~rgss + 0.00 Oilier Fesa * + 0.00 ~ ~~f'6~2 See Firrmees Charge Summary ssctton foNowing homsacfions for detailed APR information Cad(! Uns 513,300.00 CieditUM-Anagable--------------- ._. ...---30:00- Cash Advance Credit LiM ;6.800.00 Cash Advarres Credit line Avallabf a 60.00 *S.e ttansacAorr dstar7 for a description of any roe: •"'°•°•••~•^ ••"~^" AmiversaryMorrih Oecembsr Opening Caefibadr Baru Balance 3 0.00 New Caahback Bares 7iria Period + 0.00 ~a~adr Bows sata,~. s ooo To barn more, ba b d rrww.t)iscevereor,r and „bed Rewarrb Payment Information -- Nsw 8alarros si s,st1.a2 Minimum Poymerrt Due" $1.881.00 Payment Dve Dab AAarch 1 S, 2010 "inckrdes past des aaiowk of S ] ,610.00 tale Payraerrt Westring: if we do riot naive yow mMimum Payment by the doss listed obese, You may hors b pay a tats fee of uP b_ 139.00. Manage Your A+ceow-t Onl'tns at www.t)iticovrcoorn • Sennsly access stafernerMa and ere. online bob, poy bilb arline and track and view ad lmnsaaltars simply and easily • Make your moray worth monk-knd easy rroys b cam - - _ -and redeem cash rewards • NEWT ~ your aceourd esaunly through your mabBs a ~ ways ro cont«t u~ t . Aoo.ss y«,r oecouM seurrsly at www.Disaesresaa 2. CMd~I.80~4DISCOVER (1.800347.2683 your Dlscowrrcard 3. WrR~ b ua aF Daoovs,r PO Box 30943,' Salt lake Cry, UT B41 t30 far TDD (1'e{aeamrnrnricaliorrs David for Na Des(( asslatance, plsoss tail 1-800347.7449. ;Transactions ----------------A--------~ `: current biNing period: 31 days 1 ----._...------ !;~ ~- ----- -------..__.... 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IIM OwloaTar Tlhe ~ wM~a.dWNiad ta0d3t7 T4N. noadTeUphonseaE 6ebuenywand0~epererr~peee~~blM,ee (aqua pepps~. M D~erhk MenibrFDN:. OtIWt17 Our File No.: 266359 DISCOVER BANK BY ITS SERVICING ) AGENT DFS SERVICES LLC ) Plaintiff ) vs. ) SUZANNE E BOWSER ) Defendant Cpr I n- r. _u M -0 r 77-1 NO.: 10-3689 CIVIL TERM CD -n C...' C:) o A rU --? ...r C) ire S> :;Z7 PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. 1. Matter to be Argued: Plaintiff's Motion for Summary Judgment 2. Counsel who will argue cases: Apothaker & Associates, P.C. Attorneys for Plaintiff SUZANNE E BOWSER, Pro Se Attorney for Defendant 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 62 LONGSTREET DR CARLISLE, PA 17013-8112 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: May 27, 2011. i BY: Dated: March 28, 2011 J. Cavallaro, Esquire Attorney for Plaintiff INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted.