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10-3903
~f 2QIQ J1f ~ i 5 Pi~# i ~ 05 I^ C..S~~~~li~Y~t ~4t~1`~ IN THE~COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. JOSEPH L HITCHINGS Defendant No: 10 - ~D3 Civil~P.PtY1 COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08330520 C A Pit EMR l`/ ~9a.oo PA Am ~ ~Flo~aso9 ~~'ay3~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No JOSEPH L HITCHINGS Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, DISCOVER BANK is a corporation with offices at 6500 NEW ALBANY ROAD NEW ALBANY , OH 43054 . 2. Defendant is adult individual(s) residing at the address listed below: JOSEPH L HITCHINGS 2413 COPE DR MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX1547 . 4. Defendant made use of said credit card and has a current balance due of $13112.56 as of April 09, 2010 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 29.990 per annum on the unpaid balance from April 09, 2010 A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 . 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for Judgment in its favor and against Defendant JOSEPH L HITCHINGS ,individually in the amount of $13112.56 with interest at the rate of 29.990 per annum from April 09, 2010 plus attorneys' fees of $125.00 and costs. James Wa ro t,42524 WEL WEINBERG & REIS CO., L.P.A. 436 enth Avenue, Suite 1400 Pitt b rgh, PA 15.219 (41 34-7955 FAX. 12-338-7130 08 3 20 C A Pit EMR This law firm is a debt collector att~~iting to collect this debt for our client and any information obtaincc$$ will be used for that purpose. New Bakwlce Minimum Paymwlt Due Aaount Number endMg in 1 S47 DISCOVER sooo s2,5>ra.00 Erder Amalxd Endosed Below Payment Dw Dale ~ r Apri 28, 2010 31 S~NBA010001860 JOSEPH HITCHIN6S 2413 COPE DR KECHANICSHURt3 PA 17055-5355 Addna, e~ a telephone ehariget Go >n www.DLosvw.eam a print charlg. in ~ above. t3q p~e1MM ind 111610! yaur>AOOOUnt pWarnMion moral eecurt vsR11 ponword~ Leern man ~~ PO SOX 6103 IllusllusrsllnsJlsllul CAROL STREAM IL 60197-6103 IrI1rrllrrrrr1111sIulrrrlrllrrrrrllUlrrrrll1111rral1sr11rll 000001966456747x571636000000000000000259600 ua16: Marril 14, 20io - ~o Dow: IlAardl Discover Mon Card Ikcount Summary ~ sine. AecouM rlwrxber ending m 1547 Prevaln Baksnee s 13,112.56 Payments And Credits - 13,112.56 Purchases + 0.00 Balance Transfer + 0.00 Cash Advarxees + 0.00 fisella ~ + 0.00 CMher i'ees * + 0.00 i .00 See Finance Charge Summary section ioMo~ving tronsadions ~ for deksxled APR information CndkUr» =10,700.00 CredN-lirrr Avadoble- - - - - - - - - - - - - - -S(l.00 Cash Advance Cndd tine ;5,400.00 Cash Advance Cndxt tin. Awxksble 60.00 ~ *See hansaetion deaxl kx a daeription of airy fees chorg.a ....i..aabrc wrxnrs Arxniwrwry Month Marcfi Opening Callback Bonw Balance i 0.00 New Cashbook Bonus Thi: Period + 0.00 Collsedr saew s.ierxe. rj O.oo ~, To Iwo ran, I.OI n d www.Wseow.aem and uMct Rewaxds Transacfions Monag~ Your Aooourtt Online at www.Disodwraotn • Seeunly aaoess stalenlerlts and free onW1e took, pay biNs online and track and view at hamaxiions simply and Badly • Mab yoxxr moray worth moxv~'-~Bnd easy ways b earn and adessn xxssh r~evraxds _ _ . _ _ . . _ _ _ _ _ _ _ • NEWT ~ ynur accoxxlt securely deolxgh your mobile 3 Easx Ways to Contact Us i Access your account securely d wwwAkcwerpm 2. CaN 1.804DISCOVER ~l•804347.2683 Pk+o:. haw your Discovw~ card avai~. 3. WrNe to w aF Discawr PO Box 30943, Salt lake City, t!T 841 ~0 Fa TDD (Tekromn-unioation: twice for 1M Deaf) assistance, pleas eaN 1.800.347-7449. Tc.t"°'. ~ ~eylrlerxb and C+adis Mar 31 Ma 31 INTERNAL CHARGE-OFF i s •13,112.56 ; Finance C[iarge Summary _ p~ ~ rag pwi days 3 Perm is ~ cuxreM bilx ad: 1 B Ra1xa 1N~~minla~lA~ Pux^cFxoaes SO 0.08216% CosF Adv~c SO 0 ~- 29.99% V 29.99% s0 =0 es .08216% V .Variable Rah 29.99% V 29.99% SO s0 IXF11BIf si~. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that she is Jodi Preston (Name) Account Manager of DFS Services LLC ,plaintiff herein, that (Title) (Company) she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and belief. (Signa re) WWR# 8330520 Joseph L. Hitchings '6011002640381547 ~' a DISCOVER BANK : IN THE COURT OF COMMON PLEAS OF :CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. NO. 10-3903 JOSEPH L. HITCHINGS :CIVIL ACTION -LAW Defendant n ^' c- ~- ~~- d :~ "~ i~=~ c" --r ~-- ~ 7 ANSWER TO COMPLAINT ~;~; `_ ~ -~ rn _ -o = ::: AND NOW, this ~~ day of July, 2010, comes the Defendant, Joseph"`h,': ~,, Hitchings, and answers Plaintiff's Complaint as follows: ~ ~' _~ 1. Defendant is without sufficient knowledge to admit or deny the averments of paragraph 1. 2. Admitted. 3. Admitted. 4. Admitted in part, denied in part. It is admitted that Defendant has used the said credit card; however it is denied that the current balance due is $13,112.06 as of April 9, 2010. By way of further answer, it is believed that payments made by Defendant on said account have not been properly credited, and therefore strict proof thereof is demanded at time of trial. 5. Denied. By way of further answer, see answer to paragraph 4 hereof. 6. Denied. By way of further answer, see answer to paragraph 4 hereof. 7. Denied. By way of further answer, see answer to paragraph 4 hereof. By way of still further answer, it is denied that attorneys' fees are owing. 8. Denied. By way of further answer, see answer to paragraph 7 hereof. 9. Admitted in part, denied in part. While it is admitted Defendant has refused to pay the balance due to Plaintiff, it is denied that the balance listed by Plaintiff is accurate or duly owing. WHEREFORE, Defendant, Joseph L. Hitchings, respectfully requests that this Honorable Court enter judgment in his favor and against the Plaintiff on its Complaint. Respectfully Submitted, HITCHINGS LAW OFFICE ~~ - seph L. i chin E quire Attorney ID No. 6555 5000 Ritter Road, Suite 20 Mechanicsburg, PA 17055 Telephone: (717) 458-8123 Facsimile: (717) 790-6019 Attorney for Defendant 3 VERIFICATION I, Joseph L. Hitchings, verify that the statements made in this Answer to Complaint are true and correct to the best of my knowledge information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification to authorities. ~-lt~~ a Date DISCOVER BANK : IN THE COURT OF COMMON PLEAS OF :CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. NO. 10-3903 JOSEPH L. HITCHINGS :CIVIL ACTION -LAW Defendant CERTIFICATE OF SERVICE I hereby certify that I am this day serving the foregoing document upon the person(s) and in the manner indicated below, which service satisfies the requirements of the Pennsylvania Rules of Civil Procedure. Service via First Class US Mail Postage Prepaid James C. Warmbrodt, Esquire, Weltman, Weinberg & Reis Co., L.P.A 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Respectfully Submitted, LAW OFFICE '' __ ,Yoseph L i chin Esquire Attorney ID No. 6 1 5000 Ritter Road, Suit 202 Mechanicsburg, PA 17055 Telephone: (717) 458-8123 Facsimile: (717) 790-6019 Attorney for S~f~~t C~ C ~ FRAECIPE FOR LISTING CASE FOR ARGUMENT ~ ~~~~~~ ' (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please Dist the within matter for the next Argument Court_ CAPTION OF CASE (entire caption must be stated in full} I~- s coy ~.~ l ~~ ( Plaintiff ) vs. Vn ~ ~ ~~~~ C~ Q~ 1 (I~fendant ) ?~~ ,..~ ~ c:~ -~--: ~~ ~ ~ ~ ~:: ~~~ ~ -~- ~~ ~~ t-3 --~ rv '`' ate. ~..: No. ~~'~~ Civil ilr ~_ State matter to be argued (i_e_, plaintiff's motion for new trial, defendant`s dern.u~r to co~lai.nt, etc. } : I~.~n ~.-FF `S M~-~t ova {~ ~u m n~af'~-( ~.,~v~ ~ 2. Identify counsel who will argue case: ~3er1 ~am ~ ~ 12 . i3~1~i~r , ~S w~.~l ¢~ (a) for plaintiff : /,.,~U~ ~ ~ c5 (~ i~ , u3~ -~~ Address: ~~~--8~a.~ Y~ ~Jct ~5~~~c (b) for defendant : ~ U5~()1 f 1 ~ `,~r ~ ~ ~ ~ ~ ~ Address : ~ ~~YY10 ~ e n e 3.5~ ~- ~'1~2r- 5 CYO ~-~e ~-- ~ . ~ttA ~ 2oZ r'Ylec~v n ~ Csbc,~ r~ ~^r v ~~ 3_ I w3.11 notify all parties in writing within two da~s that this case has been listed for ~rm~nt_ 4 . Argurent Court Llate: ~ ~~~(~ `~- t ~ ' ~v ~ „` i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DNISION DISCOVER BANK, Plaintiff, Case No.: 10-3903 CNIL TERM vs. MOTION FOR SUMMARY JUDGMENT JOSEPH L HITCHINGS, FILED ON BEHALF OF: Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire PA I.D. #93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 :~- c-. ~~ cis ~~~ ~ ~-- c,3 ~W ~ a- a >-- ~ ~ r € N --~ y ~y ~ ~~ ~- o ~t ~:. WWR No. 8330520 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CNIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 10-3903 CTVIL TERM vs. MOTION FOR SUMMARY JUDGMENT JOSEPH L HITCHINGS, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $13,112.56 with interest at the interest rate of 29.99% per annum from April 9 2010, Attorneys Fees of $125.00 and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof 4. Defendant's Answer contains no New Matter. 5. On or about August 31 2010, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of same is attached hereto as Exhibit "C" and made a part hereof. 6. Defendant served upon Plaintiff her Answers to the discovery demands. A true and correct copy of the same is attached hereto as Exhibit "D" and made a part hereof. WWR No. 8330520 7. The Defendant admits to applying for and using the credit card. 8. Defendant disputes the accuracy of the monthly statements, which show a balance due of $13,112.56, because he claims the "fees" were supposed to be suspended while the account was in a negotiated repayment status. 9. Defendant admits that the last payment on the account was made on August 12 2009; however the last purchase on the account was made on August 29, 2009 at an Exxon for $45.75. 10. Defendant fails to explain why his alleged attempts to negotiate should suspend all activity on the account. 11. Defendant provided no documentation to prove that he ever attempted to set up a "re- payment" status with the Plaintiff. 12. Defendant's First Discovery Request included a Request for Production of Documents directed at Defendant requesting her to produce documents he plans to use to support his case at trial. 13. No such documents have been received. 14. Defendant's claim that the balance was somehow "frozen" is not supported in either law or fact. 15. Bald unsupported assertions of conclusory accusations cannot create a genuine issue of material fact to preclude the entry of summary judgment. McCain vs. Pennbank, 379 Pa. Super. 313, 549 A.2d 1311 (1988); Golaschevsky vs. Commonwealth, Department of Environmental Resources, 683 A.2d 1299, 1302 (Pa. Cmwlth., 1996). 16. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WWR No. 8330520 WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $13,112.56 with interest at the legal interest rate of 29.99% per annum from Apri19 2010, Attorneys Fees of $125.00 and costs. Respectfully Submitted: WELTNI~~ WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR No. 8330520 .f ~1E THE ERLT;-'r"~`+~~ARY 2Qt0 JU;! I S Pti I : 06 cu~,n~ ~i~:~~~~ ~~t~m P6~~h5`~'LVh;~'!A IN THE~COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. JOSEPH L HITCHINGS Defendant No: 10 - 3R~3 ~ivilT~tt~ COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF~RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG ~ REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08330520 C A Pit EMR EXHIBIT ~9a.oo Po Am ~ ~~ ~~` d y3 !,!o!o IN THE COURT OF COMMON PLEAS OF CUMBERT•A~ COUNTY, PENNSYLVANIA CIVIL DIVISION DISCQVER BANK Dlaintirf vs. Civil Action No JOSEPH L HITCHINGS Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court _ If you wish to defend ac~a~.nst~ the claims set forth in the following ages, you~must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may. proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT~ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFF'RRAT: SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOiJTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 coriPLAINT 1_ Plaintiff, DISCOVER BANK is a corporation with offices at 6500 NEW ALBANY ROAD NEW ALBANY OH 43054 . 2. ..Defendant is adult individual(s) residing at the address listed below- JOSEPH L HITCHINGS 2413 COPE DR MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card bearing the account number xxxxxXXXXgXX1547 . 4. Defendant made use of said credit card and has a current balance due of $13112.56 as of April 09; 2010 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 29.990 per annum on the unpaid balance from April 09, 2010 A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1" and made a part hereof. 7.. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 . 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay th.e balance due to Plaintiff- Wherefore, the Plaintiff prays for Judgment in its favor and against Defendant JOSEPH L HITCHINGS ,individually in the amount of $13112.56 with interest at the rate of 29.990$ per annum from April 09, 2010 plus attorneys' fees of $125.00 and costs. James Wa ro t,42524 WEL WEINBERG & REIS CO_, L_P.A. 436 enth Avenue, Suite 1400 Pitt b gh, PA 15219 (41 34-7955 F 12-338-7130 08 3 20 C A Pit EMR This law firm is a debt collector~att ting to collect this debt for our client and any information obtain will be used for that purpose. ,~ ~ a°~ : 31 SOBN6110100WlYO JOSEPH MITCHIN85 2413 CO!'E DR ' MECHANICStlgtB PA 17055-5355 Addrw, swiel a lalaplions ehanpat c3o to www.Qi.~44.r.esw ar mint c4~ar,gs M ,Qoc. ~.. OR ~If Ifa~ ar>d 111 yalraooout k~foml~l lllolanawwMll p..waie. t~ ~~I~M~ri aNpyouawaooMa PO /OX ~ 6183 ~11u.ll.e..~tn..16Un~ CAROL STREAM IL 60197-6103 I dl„tlr.,~,.11I,f,J,.+6!l,,.,,l11l,»„Il,q,,,,,il.rlnl! pOOOO198645A741573b38OOOOOOOOOOOOOOO2596OO Opwtip Dabs Mareh 14, 201 O - OoiO Dela Mar~Jl Morr Land AcoouM SurlNaa[y GrrlNntl~r sGsoa ~"8 m 1517 ~ Prwrous Babrca s 13,112.36 ~ Paynnris Ard CaadAs - 13,112.56 Pa+e6asss t 0.00 8akrrea Tramfan + 0.00 Cady Advross + 0.00 Fir.rs CIwOn + 0.00 ~ Olfw FNS * + 0.00 '' N.w 1lalonci - _~~0 i SN Finara. 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Transactions off: ~ hynrwMs and Gadis Mor 31 Mor 31 IN1fRNA1 CHAROE-0FF _ -13,112.36 Finance ~[ioirgs 3unwrwry $~r «+R«+bw is P+neiwas io 0.08216% 29.94% V 24.44"X. CaJr Mranws SO 0.08216lL 24.49lG Y 29.44X V ~ Variobla Role E~CHiBt[ ~~ so to =O :O >a. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that she is Jodi Pteston {Name) Account Manager of DFS Services LLC ,plaintiff herein, that (Title) (Company) she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and belief. (Signs re) WWR# 8330520 Joseph L. Hitchings '6011002640381547 DISCOVER BANK : IN THE COURT OF COMMON PLEAS OF :CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. NO. 10-3903 30SEPH L. HITCHINGS :CIVIL ACTION -LAW Defendant ANSWER TO COMPLAINT AND NOW, this ZQ~ day of July, 2010, comes the Defendant, 3oseph L. Hitchings, and answers Plaintiff's Complaint as follows: 1. Defendant is without sufficient knowledge to admit or deny the averments of paragraph 1. 2. Admitted. 3. Admitted. 4. Admitted in part, denied in part. It is admitted that Defendant has used the said credit card; however it is denied that the current balance due is $13,112.06 as of April 9, 2010. By way of further answer, it is believed that payments made by Defendant on said account have not been properly credited, and therefore strict proof thereof is.d~n°~anded~at tune of dial. 5. Denied. By way of further answer, see answer to paragraph 4 hereof. 6. Denied. By way of further answer, see answer to paragraph 4 hereof. 7. Denied. By way of further answer, see answer to paragraph 4 hereof. By way of still further answer, it is denied that attorneys' fees are owing. 8. Denied. By way of further answer, see answer to paragraph 7 hereof. 9. Admitted in part, denied in part. While it is admitted Defendant has refused to pay the balance due to Plaintiff, it is denied that the balance listed by Plaintiff is accurate or duly owing. EXHIBfT WHEREFORE, Defendant, Joseph L. Hitchings, respectfully requests that this Honorable Court enter judgment in his favor and against the Plaintiff on its Complaint. Respectfully Submitted, HITCHiNGS LAW OFFICE -_ seph L. i chin quire Attorney XD ~No. 6555 5000 Ritter Road, Suite 20 Mechanicsburg, PA i 7055 Telephone: (717) 458-8123 Facsimile: (717) 790-6019 Attorney for Defendant VERIFICATION 1, Joseph L. Hitchings, verify that the statements made in this Answer to Cofnplaint are true and correct to the best of my knowledge information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification #o authorities. ~7-(h-~a Date DISCOVER BANK : IN THE COURT OF COMMON PLEAS OF :CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. NO. 10-3903 JOSEPH L. HITCHINGS :CIVIL ACTION -LAW Defendant CERTIFICATE OF SERVICE I hereby certify that I am this day serving the foregoing document upon the persons} and in the manner indicated below, which service satisfies the requirements of the Pennsylvania Rules of Civil Procedure. Service via First Class US Mail Postage Pre-Qaid James C. Warntbrodt, Esquire, Weltman, Weinberg & Reis Co., L.P.A 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Respectfully Submitted, ~iITCHINGS LAW OFY~'ICE ,Yoseph L~itehin Esquire Attorney ID No. 6 1 5000 Ritter Road, Suit 202 Mechanicsburg, PA 17055 Telephone: (717) 458-8123 Facsimile: (717) 790-6019 Attorney for p~-i~~t IN THE COURT OI' COMMON PLL-'AS CUMBERLAND COUN`T'Y, PET\NSYLVANIA CIVIL AC:`fION DISCOVER BANK, Plaintiff, v. NO.: 10-3903 JOSEPH L. FIITCHINGS Defendant. PLAINTIFF'S FI12ST 12EOUF.S'I' FOlt ADMISSIONS ANl) 12FQUES'1' F012 PRODUCTION OF DOCUMEN'T'S Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: I. "These requests are made under Pennsylvania Rules of Civil 1'rocedurc 400], et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement incompliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the -•easonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each pact or item- 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director EXHIBIT or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; t3. The word "document(s)" means alt written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity" "identify", "identification", when used with respect to a erson s means to state the full name and present or last known address and business address of such erson s and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity" "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each ep -•son who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or inexistence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (i) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identif each and every ep rson(s~ participating in such an act; (3) identif all other person(s~ (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identif the erson s presently having possession, custody or control oi- such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents snail be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the fling of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response he--eto shall be organv-_ed and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that docwnent as follows: author; addressee; indicated or blind copies, date, subject matter; nwnber of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUES"(' FOR PRODUCTION OF DOCUMEN'T'S 1: Produce any and all documents evidencing proof oi'all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, cha-•ls, lists, phone records, data compilations etc. REQUEST' FOR PRODUCTION OF DUCUMEN"fS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time oi~trial. RFQUEST FOR ADMISSION NO. l Defendant applied for the credit card referenced in Plaintiff's Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST' FOR ADMISSION NO. 2: The attached monthly statements, from April 13, 2004 through March 31, 2010, correctly identify the payments, charges, and balances on the account. Admitted Denied if the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial. REOUEST FOR ADMISSION NO. 3: T'he last payment on the account was made on August 12, 2009. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply specific writtcn documentation supporting the denial. REQUEST 1=0R ADMISSION NO. 4: Defendant has not submitted any wriiten dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies. REQUEST FOR ADMISSION NO. 5: $13,112.56 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial. THIS IS AN ATTEMPT TO COLLF,CT A DEBT AND A~Y IN~OI2M TION OBTAINED SI-TALL BE USED FOR 'I'IIA'T I'U121'OSE. 1 Lyntlsay I owlaiia Esquire PA I.D. f# 05520 WELTNI~ , WIINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-79555 W WR: 8330520 CERTIFICATE OF SERVICE A true and correct copy of Plaintiff's First Request for Production of Documents and Request for /admissions has been served by U.S. Mail, on the ,?l S~ day of ~__ j,~~____ 2010, upon the following: Joseph L. Hitchings, 1/squire 5000 Ritter Rd, Suite 202 Mechanicsburg Pa 17055 DISC~~::VER~ YOUR DISCOVER` ACCOUNT CARDMEMBER AGREEMENT ................Pages 1-13 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes seRion. You have the right to reject the arbitration provision with respect to your newAccount within 30 days after receiving your Card, as explained in the "Right to Rejec( Arbitration" section at page 13. PRIVACY POLItY .........................Pages 13-11i A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 0/ the Privacy Policy at page 7 S. BILLING RIGHTS ..........................Pages 16-78 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION Of COVERAGE ...............Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE ..................Page 25 The terms and conditions of this free travel assistance benefit. ~~20I0 Discover Bank, Membrr FDIC TL22H.0210 10DCM0_02110K_TL22H0210_01363_readcr.indd 1-2 12lttil09 13703 PM CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discovers- Card Account It contains the terms and conditions of your Account, some of which may have changed from earlier materials provided to yau. In the event of any differences, this Agreement shall control. We respect your privacy. See the Privacy seQion on page 10 and our Privacy Policy for additional information. The Arbitration of Disputes section on page 11 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on page 13 describes the procedure you must fallow ii you desire to reject the Arbitration of Dispu tes section. DEFINITIONS .............................. .............. ....... 2 USING YOUR ACCOUNT .................................. ....... 2 Your Acceptance of this Agreement .................... ........ 2 Permitted Uses of Your Account ................. ..... ..... 2 Prohibited Uses of Your Accoun{ ....................... ........ 2 Purchases and Cash Acvances in Foreign Cwrendes ....... .. . ..... 3 Cash Advances ...................................... .........3 Balance Transfers .............. ..................... ........ 3 Credit Authorizations ............... ................. ........ 3 Authorized Users .................................... ........ 3 Unauthorized Use .................................. ........ 3 Your Credit Lines ............................... .... ..... _. 4 CHANGES TO THIS AGREEMENT ........................... ........ a MAKING PAYMENTS ..................................... ........ 4 Promise to Pay ..................... ................. ........ 4 Monthly Billing Statement ............................ ........ 4 Monthly Payment Options ............................ ........ 5 Automatic Billing Arrangements ....................... ........ 5 How We App{y Payments ............................. ........ 5 Minimum Monthly Payment ...... . .................... ........ 5 Skip-A-Pa ment Offers ............................... ........ 5 Credit Balances ..................... ................. ........ 5 F{NANCE CHARGES ..................... ................. ........ 6 How We Calculate Periodic Finance Charges ............. ........ 6 How We Calculate Your Balances ...................... ........ 6 Variablclnterest Rates ................................ ........ 7 Default Rate ........................ ................ ........ 7 Cash Advantc Transaction Fec Financr. Charges ........... ....... 8 Balance Transfer Transaction Fee Finance Charges ........ ........ 8 Foreign Currency Transaction Fee Finance Charges ....... ........ 8 Minimum finance Charge .............................. ........ 8 Account Sel-up Fee Finance Charge ..................... ..... 8 FEES ................................................... ........ 8 ArlrlualFee ......................................... ........ 8 Late Fre ...............:............................ ........ 9 Returned PaymenlFce ............................... ....... 9 Returned Discover Card Check Fee ..................... ........ 9 Pay-By-Phone ....................................... ... .....9 Resrarth Fre .............. ..... ................. .. ... .... 9 DEFAULT AND CANCELLATION ............................ ..... .. 9 Types of Default ..................................... ........ 9 Consequences of Default ............................. ........ 9 Cancellation ........................................ ........ 9 PRIVACY AND OUR COMMUNICATIONS WITH YOU .......... ....... 10 Our Privacy Policy ................... ................. ....... 10 Reporting to Credit Reporing Aycntics ................. ....... 10 t- IOUCMO_02nOK T12 21 10 2 1 0_01363_reeder.indd 3-4 12(t5r09 t 3r~03 r'M ' Our Communications with You ............................... 10 Releasing Information About Your Account .................... 10 Elertronic Notices to You .......... . ......................... 10 Notices- Changes to Your Information ........................ 1D CLAIMS AND DISPUTES ......................................... 10 Merchant Disputes .......................................... 10 L{aim Notices .............................................. 11 Arbitration of Disputes ...................................... 11 Right to Reject Arbitration ................................... 13 LEGAL INTERPRETATION OF TfilS AGREEMENT ...................... 13 Sevcrability ................................................ 13 Compliance. with Interest Rate Limitations ...................... 13 Governing law ............................................. 13 ASSIGNMENT OF ACCOUNT .................... .................. 13 DEFINITIONS "Account" means your Discover Card Account. "Authorized User" means any person wham you authorize. to use your Account or a Card, whether you notify us or not. "Card" means any one or more Discover Cards issued to you or someone else with your authorization. "Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule is part of this Agreement. "We," "us" and "our^ refer to Discover Ban<, the issuer cf your Discover Card. "You;' "your" or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept this Agreement, including the Arbitration of Disputes section on pa a 11. You may, however, reject the Arbitration of Disputes section as explained on page 13. Permitted Uses of Your Account Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable far cash or (or casino chips, money orders, traveler's checks, savings bonds, foreign currenry and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may after from time to time. • Balance Transfers - to transfer balances from other creditors or to make other transadions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as wr. may offer from time to time. In addition, your Account may be used to guarantee reservations al participating establishments. You wiN be {fable for guaranteed reservations that are not cancelled prior to the time specified by~the establishment. Your Account may be used for personal, family, household and charitable purposes. ~- Prohibited Uses of Your Account. Your Account ntay not be used to obtain loans to purchase, carry or trade in securities, to pay any amount yyou awe under this Agreement or for any transactions that arc unlawful wlrerr you reside or where you arc physically located when yeu use the Acca)nt to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in foreign Cunenries. If you make a port}lase or cash advance in a foreign currency, it will be converted to U.S. dollars using either agovernment-mandated rate, agovernment-published rate cr the interbank exchange rate, depending on the country and currency in which the transaction is made. The rate used will 'ne the rate in offer, on the conversion date. for the. transaction, which may ire differen! t}:an the Transartion Dztc as shown on your statement. We charyc z ~ orcign Currency Transaction Fee Finance Charge for each purchase made it a foreign currency as described in the Foreign Currency Transac;for Fee Finance Charges section on page 8. Cash Advances. We may periodically offer you prorotional rates an cash advances for the time period specified in the offer, subjec to the Default Rate section. The. oNer may contain a Cash Advance Transaction fee Finance Charge for each cash advance. Balance Transfers. We may periodically offer you the opporunity to make balance transfers from other creditors or to make other transadions to your Account by means of balance transfer coupons or checks. Errh offer will contain a promotiona4 role, which will be the Annual Percentage Rate that will apply to transferred balances for the time parted specified in the offer, zubjett to the Defauh Rate section and may contain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set forth in the Pricing Schedule, ii appliczble. Balance transfers subject to the promotional rate are referred to as promotional raft! balanur transfers; balance transfers for which the promotional rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt :e trans`er balances by moans of a check after the expiration data, we will neat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transadions will require our authorization prior to completion. In some cases, you may be asked to provide identification. We have the right not tc authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We wit{ not be liable to you if any of these events happen. Authorized Users. If you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notify us and destroy. any Card-in that person's possession. You can notify us by telephoning i-80D-DISCOVER (1-800-3n1-2683), or by writing Discover, PO Box 30943, Sah Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised ny any parson not a party to this Agreement acing pursuant to a power of attorney, without our separate written agreement (which we arc not obligated to give). Unauthorized Use. Prior to its use, each Card must 6e signed by the perswi to whom it is issued. If a Card is lost or stolen, or i(you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683), or by writing Disccver, PO Bax 30943, Salt lake Ciry, U' 3 ~ IOUCMO 0260K_,TL22r10210_01363 rearicr.indd 5-6 t'l'i S!atr r :ern.. .".ti i 84130-0443. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require, in connection with our invest- igation. Your Credit Lines. We will advise you of your Account credit line.. We may impose a lower line that will apply to cash advances, referred to as the cash advance «edit line. We may also impose a lower line that will apply to balance transfers, referred to as the balance transfer «edit line. You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Account credit line. If you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account «edi:line. We may increase or decrease your Account credt line, your cash advance credit line er your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your available credit will not be increased by the amount of any credit balance. CHANGES TO7HI5 AGREEMENT From time to time, we may, to the extent permitted by law, change any term of this Agreement, including, but not limited to, any finance charge rate, fee or method at computing any balance upon which the finance charge rate is assessed, or add or delete any term to this Agreement. We will give you notice of the change in the time and manner required 6y law, which includes 45-days advance written notice in same circumstances. In addition, to the extent required 6y law, we will offer you the opportunity to reject a change. For example, law requires, with certain exceptions, that we offer you the opportunity to reject an increase in a late fee or tfie elimination of a grace period prior to the effective date of the change. If you reject a change in accordance with the instructions in the notice provided, we will close your Account and you will no longer be able to use it for further transactions. You can then pay the remaining balance under the unchanged term. We may also change any term of any product, service or benefit offered in connection with your Account. We will notify you as required by law ar by the terms of the product, service or benefit. MAKING PAYMENTS Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash advances and balance transfers including applicable Finance Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others arc using your Account or a Card. If you pay us in other than U.S. dollars, we may refuse to accept the payment or charge your Account-our cost tc convert your payment to U.S. dollars. All checks must be drawn en funds en deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on year Account. If your Account is a joint Account, each of you agrees to be liable individually and jointly for the entire amount owed on your Account. We tan accept late payments or partial payments or checks and money orders marked "payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement Monthly Billing Statement. We will send you a billing statement after each -4- 10DCM0_02UOK TL22h1021U_01363_reader indd /-8 monthly billing period in which you have a debit or credit balance, unless we waive our riyht to do so as permitted by law. The billing statement will show all purchases, cash advanuts, balance transfers, Finance Charyes and other charges or fees and all payments or other credits posted to your Account during the billing period. It will shova your New Balance, Payment Duc Datc and Minimum Payment Doc as of [hc end of the billing period. If your prior month's payment is returned unpaid, your required Minimum Payment Due may be higher than shown on your billing statement Scr. the Minimum Monthly Payment sedicn on page 5. Monthly Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you mos. pay at least the Minimum Payment Due as described in the M~nirmrm Montr~ly Payment section. All payments must Err made in accordance with the terms stated on your monthly billing statement, as well as the payment cut-oi` time stated in this section, and we will credit your Accour.; ut accordance with those terms and this sedion. Payments received in proper form at our processing facility by SPM local time on any day will be credited as ri lira; day. Payments received in proper form at our processing facility af;cr SPM local time will be credited as of the next day. Automatic Biting Arrangements. If your Account number andlor Card expiration date changes and our records indicate you have automatic billing established with a merchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommend that you verify the merchant has your new Account inf ormat ion. You must contact the merchant directly if you do not wish to continue the automatic billing arrangcrnent. How We Apply Payments, Each billing period, to the extent your payments exceed the Minimum Payment Due shown on your current bdhng statement, we will apply these excess amounts in order of the Annual Percentage Rate applicable to the balance of each transaction category ;as referenced in the Finance Charyes sedion), generally from highest to lowest, beginning with the balance subject to the higflest Annua! Percentage Rate. Otherwise, we will apply payments and credits at our discretion, includin in a manner most favorable or convenient for us. In all cases, we will app~l payments and credits in accorcance with applicable law. Minimum Monthly Payment. The Minimum Payment Duc each month ~.vill be the greater of: • the Ncw 8afancc if it is Icss than 415; • $15 if the New Balance is 415 or more; or • any past due amount plus the greater rfi • 2% of the New Balance (excluding current Periodic Finance Charges and Late Fces} rounded up to the nearest dollar or • current Periodic Finance Charges plus Late Fees elus 415 (net to exceed 3% of the New Balance} rounded-up to the nearest dollar. We may also include some or all tfte amount by which you exard your Accoura credit line. We may subtract Certain fees to calculate the Minimum Payment Duc. The Minimum Payment Duc will never exceed the New Balance. Skip-A-Payment Offers. We may from time to time allow yo;: to not make a minimum monthly payment and will notify yru when t'r•is ef:tirn is available. If you take advantage of this offer and do no: make a minimum monthly payment, finance charges and any applicable fees will accrue on your Account in accordance with the Ayreernent and you roust oay the Minimum Payment Due for the following bllling periods. Credit Balances. We will refund any credit balance within seven business 5- 12/1S/U9 !:3 /~0~ ~'M ' days from receipt of your written request. If you do not request a refund, we will automatically refund credit balances greater than S1 that remain in your Account after 6 months. FINANCE CHARGES How We Calculate Periodic Finance Charges. We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account alter the close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the billing pperiod in which it is posted to your Account. We continue to impose Periodtc Finance Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period." There is no grace period on balance transfers or cash advances. As more fully described in the section titled "Now We Apply Payments," we generally appl~ payments to your Account based on the Annual Percentage Rate appicable to the balance of each transaction cate~ory. This means that if you do not pay the. New Balance or, the current bit ing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purchases. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing pertod for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in billing period) times (Daily Periodic Rate). You may refer to the Finance Charge Summary on your billing statement for these amountr. Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the. grace period, no Periodic Finance Charges apply to the balance in a transaction category, The Daily Periodic Rate is 2(365th of the corresponding Annual Percentage Rate. How We Calculate Your Balances. We use the. Avera a Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transattion category and diwomg the. total by the number of days in the billing period. We cornpute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day as shown on your billing statement, unless tha transaction is posted to your Account after the close o1 the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of -6- t000M0_02t30K_1L2.2H0210_01363_rcadcr.indd 9-10 the billing period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that arc apnlird against the balance of the transaction category on that day. In calculrting the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance for eacf, transaction category on the last day of your previous billing period. All fees charged to your Account arc added to the standard purchase transaction category wi±h the exception of Cash Advance Transaction Fee finance Charges which are added to the applicable cash advance transaction ~a~~.gory and Balance Transfer Transaction Fee Finance Cnarocs which are added to the applicable balance transfer transattion category. Variable Interest Rates.One or more Daily Periodic Rates and corresponding Annual Percentage Rates that apply to a transattion category may be variable rates as set forth in your Pricing Schedule. er in any special oNers you receive from us. Variable Annual Percentage Rates arc de;ermined by adding a specified number of percentage points to the Prime Rate. Ti•is 's shown on the Pricing Schedule as "Prime (percentage po:rts)." For purposes of this Agreement, the Prirnr. Rate 3 the highest rate of interest listed as the "prime rate" in the Money Rata section of The Vlall Street Journal on the last business day of the moo±h. The Prime Ratc is merely a pricing index and does net represent the lowest rr best ir.;erest rate available to a borrower at arty bank a; any nivrn time. If you have a oar fable. rate, your Annual Percentage Rate will increase or de«ease whey, the Prime Rate changes. This change will be effective beginning with the firs: day of the'oilling period that begins during the same month as ;he change in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum Payment Due. Default Rate. Each time that you do not make the Minimum Payment Joe by the Payment Due Date we may, in accordance with applicable law: (i) terminate the availability of any promotional Annual Percentage Rates on new transactions; and (ii) increase your Annual Percentage Rates for new transactions :e variable Default Rates. Each new variable Default Rate for a new transaction is determined by adding up to 5 additional percentage points to the otherwise applicable Annual Percentage Rau and will vary based on any changes in the Prime Rate (For example, ii the promotional puchase rate was 2.99°h and the rate for other purchases was 25.99% and you paid late once, the rate for all new purchases could increase up to 20.99% variable. and vary thereafter with the Prime Rata} Whcn we first determine the variable Default Rates, we use the Prime Rate effective for the billing period in which you pa late. The variable Default Rates arc determined in accordance with the Variable Interest Rates section. We will base your Default Rate on your ueditworthiness and other `actors such as your current Annual Percentage Rates and your Account history. If we increase any of your Annual Percentage Rates to a Default Rate, we will send you a notice, in accordance with applicable law, advising of (.) the date the new Default Rate will apply (the "Default Rate Effective D~rte"), (ii) the type of new transactions to which it will br. applied (note: the new Default Rate will not apply to any other transactions) and, (iii) your rgM to reject the new Default Rate. New transactions arc those transactions which either (i) have a Transaction Date, as shown on your billing statement, of more than fourteen days after we mail or deliver the notice to you or, (ii) if permitted by applicable law, were posted to your Account after the current Default Rate Effective Date. Your Account will rot be subject to a De(auh ~- 1>/1S/U9 1.37U•t 4~M Rate for the first twelve biNing periods after your Account is first opened. If your Annual Percentage Rate for purchases, balance transfers or cash advances was Increased to a Default Rate, we will, to the extent required by applicable law, periodically rrview your Account to drterminc if any of your Annual Percentage Rates should be reduced. Any reduced Annual Percentage Rates on new and existing balances may be different and may be higher than your previous standard Annual Percentage Rates for purchasrs, balance transfers andlor cash advances or any prometional rate. Cash Advance Transaction Fee Finance Charges. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee FINANCE CHARGE of S% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of $10 and no maximum, The imposition of Cash Advance Transaction Fee Finance Charges may result irl an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee "rinance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges for the billing period charged under this section to any Periodic finance Charges calculated under the Periodic Finance Charges section for each cash advance transaction category and add up these arneunts. Balance Transfer TransaRion Fee Finance Charges. Unless ptflerwisc specified in a balance transfer offer, we will charge you a Balance Transfer Transaction Fee FINANCE CHARGE of 5°k of the amount of each new balance transfer with a minimum Balance Transfer Transaction Fee FINANCE CHARGE of $10 and no maximum. The imposition of Balance Transfer Transaction Fee Finance Charges may result in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add anyBalanceTransfcrTransaction Fee Finance Chargrs for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each balance transfer transaction category and add up these amounts. Foreign Currency TransaRion Fee Finance Charges. We will charge you a Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar amount of each purchase made in a foreign currency. The imposition of Foreign Currency Transactron Fee Finance Charges may result in an Annual Percentage Rate for purchases that is higher than the. nominal Annual Percentage Rate. To obtain the total Finance Charge on purchases for each billing period, we add any Foreign Currenry Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each purchase Vansadion category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of 5.50 for any billing period in which Periodic. Finance Charges of less than 5.50 would otherwise be imposed. Account Set-up Fee finance Charge. If your Pricing Schedule accompanying your Card includes an Account Set-up Fee, we well charge you aone-time Account Set-up Fee FINANCE CHARGE in the amount indicated when we open your Account. FEES Annual Fee. If your Pricing Schedule accompanying your Card includes an Annual Fee, we will charge you an Annual Fee in the amount indicated. We will charge you this fee when we open your Account and at the beginning -8- of each anniversary year your Account h open. The Annual Fee is net refundable, except az provided by law. Late Fee. We will charge you a late Fee if you have failed, as of ;he Payment Oue Dale, to make. the. Minirnum Payment Due tr;al was rec;uiscd to be paid for that billing period. The amount of the Latc Fcc is based or the sum. cf all outstanding purchases, cash advances, balance transfers, other c'r,arges, other fees and Finance Charges at flat end of the billing perioc fer which we did not receive timely payment. If the sum is S2S0 or Icss, the fee's S i 9. If it is greater than S~SO, the fee is 539. Returned Payment Fee. We will charge ycu a Returned Payrncri Fee cf S3~ each time you pay us with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction, to a deposit acu:unt from which you have authorized es in writing, electronically or orally to periodically deduct all or a part of an ~3.mounl you ewe uz under this Agreement is returr.cd unpaid. We will charge you ;his Fec tnc 'first time any payment is returned unpaid, even it it is paid upon resubmission. Returned Discover Card Check Fec. We will dlarr~c you a Returned Dissever Card Check 'tee of 335 each time we decline ;o Honor a Ciscevi~r Card czsh advance check, balance transfer check, promotional purchase check, or other promotional check. Pay-By-Phone. We may from time to time allow you to make payn+c+;ts by authoruing us over the telephone to ironzfer or pay funds from a deposit account to your Account. We will not charge you aPay-By-Phone Fer.. Research Fee. We may charge you a Resrarch Fec of SS for ^zch copy ni a billing statement or sales slip that you lrqucri. However, we will nrt c'narge a fer. if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default. You are in default if you become insolvent; ii you file a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to us; if you arc declared incompetent by a court or if a court appoints a guardian for you er a conservator for your assets; it you die; if you tail to comply with the terms of this Agreement, including failing to make a required payment when due, exceeding your Accnunt credit line cr using your Card or Account for a Prohibited Transaction; or if you fail in make a required payment when due on any other account you have with uz. Consequences of Default. If you arr. in default, we. may drdare the entire balance of your Account immediately due and payable without notice. tf we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys' fees and court or other collection tests as permitted by law and as actually incurred oy us, inducting ices and toss In connection with any appeal. We mayy delay enforcing nr not entprce any o` our rights under this Agreement witkiata losing or walwng any of ti+ern, Cancellation. You may cancel your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that we have provided you. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683}, or by writing Discover, PO Box 30943, Salt Lake City, UT 84130.0943.Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement. Ii your Accpunt is a lomt Account, either Cardmember may canarl the Account, but you will both remain responsible to pay any amount owed to us according to ti+e iernts of this Agreement. We may cancel or suspend your Account at any lime without notice. We may choose not to renew your Account (beyond the expiration daft. shown on the face n{ a Card) without notice. You must 9- tODCMO 0280K_1'L12H0210_01363_rcader.indd i1-12 12/t 6lo9 +3/Dn ~'M .. return any Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WRH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respell the privacy of information about you and your Account. Our Privacy Policy includes a summary of the personal information we tolled, when it may be shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement. Reporting to Credit Reporting Agencies. As indicated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account, mcfuding negative credit information. Late payments, missed payments or other defaults on your Account maybe reflected in your credit report. We normally report to such vedit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, ptcase write us at the following address: Discover, PO Sox 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Our Communications with You. You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to rails we make to collect debts. We may use any medium permitted by law, including but not limited to mail, live tolephone calls, automated telephone equipment. prerecorded telephone calls, e-mail and calls to your cell phone to contact you about your Account or to offer yyou products or services that may 6e of value to you. If you prefer not to be contacted in one or more of these ways, you must either telephone us at 1-800-DISCOVER (t-80Q-347-7683) or write to us at Discover, PO Box 30961, Salt Lake City, UT 30961-0961 Releasing Information About Your Account. We provide various methods by which you can obtain information about your Account We will only «;leaze such information to you, any Authorized User that our records indicate is an authorized buyer on your Account, and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required bylaw. Our security measures cannot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristics about you such as your personal identification number, Account number or social security number. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, including monthly billing statements and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices -Changes to Your Information. H you change Your e-mail address, mailing address or telephone number you must rrotdy us of your new address or telephone number within 15 days. You can notify us by telephoning 1-B00•DISCOVER (1-800-347-2683) or by writing Discover, PO Rox 30943, Salt Lake City, UT 84130-0943. If your Account is a joint Account, any notice we mail to an address yyou have prrnided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are nut responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a -10- i 10DGM0_02t30K_l"L22H0210_01363_readcr.irnid 13-14 merchant fails to provide your purchase to your satisfaction ono you request a credit to your Account, we will investigate the dispute. If ove resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim against the merchant andlor any third party far the credited amount. Upon our reeuest, gnu agree to provide us with written evidence of such assignment. Claim Notices. In the event that you or we have a claim that arises from or relates to your Account, any prior account you had with us, your application, the relationships which resuh from your Account or the enforceability of the Agreement or any prior agreement, before initiatine, joining or participating in any judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceedinn";, the cornplaininq party shall give the other party: (1) a written notice of the claim ("Claim Notice"), at least 15 days before initiating any Procrediny, explaining in reasonable detail the nature of the claim and any supportive lacy; and (2) a reasonable good faitil opportunity to resolve the claim without the necessity of a ?roceeding. This includes anY claims involving our parent corporauen, subsidiaries, affiliates (including, without Ilmitaron, DFS Services LLC), predecessors, successors, assigns, as well as :he c(iicers. directors and emp{oyees of oath of these entities. Any Claim Neace shall be sent to us at Discover, PO Boz 3024, New Albany, OH 43052 (or such other address as we shad subsequently provide tc gnu) (the "Claim Nr,6re Address") or tc you at your address appearing ir, our rccores or, if you arc represented by tounsel, to your attorney at your attorney's oHac. Arbitration of Disputes. Agreement [o arbitrate. In the event of any past, present or future claim or dispute (whether based upon comm.*., tc«, statute, common law or equity) between you and us arising from or relating to yow Account, any prior account you have had with us, your application, the relationships which resuh from your Account or ;be enforceability or scope of this arbitration provision, of ;he Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER VOU NOR WE SHALL NAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-NEARING APPEAL RIGHTS WILL RE LIMITED. NEITHER YOU NOR WE SHALL RE ENTITLED TO LOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS W{Tli RESPECT ?0 OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CU11M5 AS A REPRESENTATIVE OR MEMBER OF A CtA55 OR IN A PRIVATE A110RNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything else to the. contrary in this arbitration provision, only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respell to any claim mane by a new party or any new claims later asserted in that lawsuit and-nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court, if any, unless such action is transferred, removed or appealed !o a different court. Governing Law and Rules. Your Account involves inierriate commerce and this provision shall be governed by the Federal Arbitration Ad (FAA). The arbitration shall be conducted, at the option of whoever f+tes the arbitration claim, by either the American Arbitration Association (AAA) or IAMB in accordance with their nrocedures in effect when the. claim is filed. For a copy of their procedures, to file a claim or for other information, tt contact AAA at 335 Madison Ave„ Floor 10, New York, NY 10017-5905, www.adr.org (phone 1-800-778-7879) or JAMS at 61.0 Eighth Ave., Floor 34, New York, NY 10018, vvww.jamsadr.com (phone 1-800-352-5257). No other arbitration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed by both parties. If neither AAA nor JAMS is able or willing to serve as the arbitration administrator and we. and you are unable to agree on a replacement administrator or arbitrator, then a court of competent jurisdiction will appoint an administrator or arbitrator or arbitrators (in the case of an appeal to a panel of three arbitrators as described below), Unless consented to by all parties, no arbitration may be administered by arty administrator or arbitrated by any arbitrator that has any formal or informal policy, rule or procedure that is inconsistent with or purports to override the terms of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with rezpeR to vvhich you would not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees and/or other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the. arbitrator. Fees and Costs. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to Discover, PO Box 30421, Salt Lake City, UT 84130-0421. The arbitrator will decide who will uhimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attorneys' fees and court or other collection costs" had the anion proceeded in court. In no event will you be required to pay any fees or costs incurred by us in conneRion with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal udicial district where You reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if tflc action wcrr. pending in court. If requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrators decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds 5700,000, any party may appeal the award within 30 days to athree-arbitrator panel, whir shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we. will consider in good faith any reasonable request far us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having junsdidion. Other Beneficiaries of this Provision. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, afiiliaies (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the -12- IODCMO_02nOK 7L22H0210_01363_raader.indd IS-16 benefit of and be binding upon all persons contraC,ually liable under this Agreement and all Authorized Users of the Account. Survival of [his Provision. This arbitration provision shall survive termination of your Account as well as voluntary payment in fuA by you, any Irgal proceedings by us to collect a debt owed by you, ary bankruptcy by you and any sale by us of your Account. Right to Reject Arbitration. You may reject the Arbitration of Disputes seRlon by roviding us a notice of rejeQion within 30 days after receiving a Card, at the following address: Discover, PO Box 30938, Salt Lake City, UT 84130-0938. li you were previously subject to arbitration with respect to zny account with us, this right to reject arbitration will not apply ;n ycu. Ycur rejection notice must include your name., address, telephone number, Account number and signature and mast not be sent with ary oche correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format tha: does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbitration will no; afied your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to whictl you and we have agreed to arbitrate disputes. If you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respell to this and any prior account you have had with us, even it you have previously sent a rejection notice with vesper! to that prior account. IEGAL INTERPRETATION OF TH{S AGREEMENT Severability. If an part of this Agreement becomes unenforceable, ii will not make any other part unenforceable, except that if the Class Action Waiver set forth about. in the Arbitration of Disputes section is invalidated in any proceeding in which you and we arc involved, then the Arbitration of Disputes section will be void with respell to that proceeding. Compliance with Interest Rate Limitations. We intend that !his Ar3reernent will comply with applicable interest rate limitations. Yeu will net he required to pay Finance Charges or ether charges at a rate. t'nat is greater than the maximum amount permitted by law, if i± is ever finally determined that, but for this section, the Finance Charges er other charges ur:der ;his Agreement would exceed the maximum lawful amamt, the Finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that you have already paid will be used to reduce the outstanding balance of your Account or will be mfunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agreement wilt be governed by applicable federal law and, to the extent state law applies. Delaware law. ASSIGNMENT OF ACCOUNT We may sell, assignor transfer your Account or any portion thereof without notice to you. You may not sell, assignor transfer your Account witheut first obtaining cur prior written consent. PRIVACY POLICY We are required by federal law to provide you with a copy of our Privacy Policy each year. If you have previously notified us about your privacy preferences, as described in Section 4, it is not necessary to do so again unless you decide to change your preferences. 13 - We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace. of mind knowing that the security of your personal information is our top priority. We understand your concerns about guarding information about you and your Account. We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Polity describes our efforts to meet these objectives. It includes a summary of the following important information: • A listing of the personal information we colleR; • The circumstances in which we may share information with others; • The ways vve safeguard the confidentiality and security of information; and • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. It will help you understand how we colleR and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we tolled and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from consumer reporting agencies, and from other sources, such as our Web sites. For example: • We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. • We may obtain information such as Account balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings with us and others. • We may obtain information such as She balances of your loans with other lenders and your payment history with others from consumer reporting agences. • We may obtain information such as your Internet service provider, your e-mail address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared with Others? We limit the sharing of information with ottlers. Many of the offers you receive far products and services are provided directly to you from us. For example, a retailer that accepts the Discover® Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who maybe interested in the offer based on certain characteristics. We will send the offer directly to those Cardmembers on behalf. of the retailer by, for example, including an insert in their monthly billing statement or mailing the offer ourselves. We control the information used to make the offer, we do not share the list or any information about our Cardmembers with the retailer, However, please understand that if you do receive this type of otter from us and choose to lake advantage of it, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There are, however, circumstances in which we may share the information we collect about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require Ynese companies to _ tq _ tODCMO_02t3O K_l'V2H0210_01363_reader.indd 17-16 adhere to our privacy riandards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose it to others without our prior approval. a. Sharing Personal lnhrrmation with Our Corporate Family Our corporate. family offers a variety of products and services that car, help you manage your finances. In order to provide you with access to these. produRS and services, we may share the information we colleR about you, as described in Section t, with other members of our corporate family. These companies include financial service. providers that offer credit protection, card servicing and payment proceszinq services. b. Sharing Personal Information with Non Affiliated Parties for Marketing Purposes We may share the information we tolled about you, as desuibed ir•, Scdinn 1, with non-affiliated third parties, including those :hat accept the Discover Card, in order to provide you with access to products ono services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, arse' non- financial companies, such as retailers. c. Sharing Personal Ir,Porma[irn with Others We may share the information we tolled about you, as described in Section 1, vvith companies that perform suaport or marketing services on our behalf, such as mailirq, market research and data processing; other financial institutions with which we have joint marketinq agreements; or «tmpanies that are our partners for co-brand credit card programs or reward programs. We may also share such information as permitted by law. 3. How Do We Protect the Confidentiality, Security and Integrity of Information about You? We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to wch information is restrded tc individuals who need it in order to service your Account or provide prociuds and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requiremen'S arc subject to our disciplinary process. Where third parties provide supper, services, we require them to conform to our privacy standards. It is important that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover, PO Box 30943, Salt ! ake City, UT 84130-0943 so that we can update this information. 4. How Can You Limit Sharing of Information About You? We respect your privacy and offer you choices as to whether we may share information about you with others. You have the. option to tell us not to share the information we tolled about you, as described in Section 1, with non- aiiiliated third parties. You also have the option to tell us not to share [he information we tolled about you, as described in Section 1, with companies in ow corporate family. It ou indicate a preference for Tither of these. options, please understand that you may not receive offers for products and services provided by other companies that could help you lower your costs, maximize your financial resources, or manage your finances. To indicate your preferences, please call us at 1-8D0-2Z5-5202 or write to Discover, PO Box 30961, Salt Lake City. UT 84130-0961. It you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your writ;e~~ rcyuest should include your name, address, tclephcne number and Acrourt 1S 1711!ifp9 1'.'37 (IS i'M number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you directly and rtot through a third party. You will nerd to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain in effect until you notify us otherwise. We will honor your request and not shartt this information except as permitted by law. For example, federal law permits us to share information about you with consumer reporting agencies, service providers and financial institutions with which we havejoint marketing agreements, If you are a new Cardmember, we will not share any information about you, except as permitted bylaw, for thirty days after we provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you arc an existing Cardmember, please understand that you may continue :o receive marketing offers directly from other companies that were already in production prior to the processing of your request. This Privacy Policy is provided to the primary Cardmember listed on the Account. However, any joint Cardmember has the right to notify us about preferences and we will treat that request as applying to the entire Account. We do not share information about former customers, except as permitted by law. This notification supersedes all previously issued Privary Policies. We reserve the right to amend this Privacy Policy from time to time and we will notify you if we do so. This Privary Policy is prcvided to you by Discover Bank and its subsidiaries, which currently include GTC Insurance Agency, Inc. and Discover Products Inc Unless otherwise specified, it applies to the family of fiscover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered in connection with the service, which will not be shared). It iz part of your Cardmember Agreement and provides a further explanation of how we collect and share information. You may have other rights under state laws that apply tc this information. Please note that you will also receive privacy notices fee other credit card accounts you have with us, as will as other financial products and srrvicrs provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice. Vermont Residents -Your state law requires financial insiitutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we tolled about you with non-affiliated third parties or companies in our corporate family unless you call us at 1-800-DISCOVER (1-80D-347-2663) and authorize us to do so. California Residents -Your stair law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the fair Credit Billing AR. 1. Notify Us in Case of Errors or Questions Abcut Your 8i11 If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address -t6- listed on your bill for Notice cf 3i{ling Etrcrs. Write tc us as socn as possible. We must hear from you no later than 60 days after we sent ycu the first hill on which the error or problem appeared. You can trtephonr us, but doing so will not preserve your rigftts. In your letter, give us the following information: • your name and Account number. • your dollar amount of the suspected error. • describe the error and explain, if you can, why you believe there s an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically fran your savings or rhrckiny amount, you ran stop the payment on arty amount you think is wrong. To stop the payment, your letter must «ach us three business days before the automatic payment is scheduled to occur. 2. Your Rights and Our Responsibilities After We Receive Your Written Notfce Wr. must acknowledge your Inter witr.in 30 days, unless we have cowered the error by ;hen. Within 90 Gays, we must richer covca the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question or report you as delinquent. We can continue ;c bill ycu fee the amount you question, including finance charges and we can apply any unpaid amount against your Account credit limit. You do not have to pa any Gucstioned amount while we arc investigating, but you arc sell obligated to pay the parts of your bill that arc not m question. If we find that we made a mistake ort your bill, you will not have to pay any finance charges related to any questioned amount. N we didn't make a mistake, you may have to pay the finance charges, and you will have to make up any missed payments on the questioned amcsunt In either case, we will send you a statement of the amount you owe. and the date that it is due. If you {ail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone we report ycu to that you have a question abeu: your bill. And, we must tell you the name of anyone we reported you to. We roust tell anyone we repcrt you to that the matter has been settled between us when it finally is. It we don't follow these. rules, wr can't collect the !test 550 01 the questioned amount, even i( your bill was correct. 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, ycu may have the tight not to pay the remaining amount due on the goods or services. Tlrere are two fmitatit:ns on this right: (a) you must have made the purchase in your home state or, it riot vvitl,in your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than 550. These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. 4. Purchases Made with Checks or Cash Advances The Special Rule for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality ei goeds cr n- tODCMO_02ftOK_TI 22H0210_01363_reader.iruid 19-20 12I15/e9 1.3r 05 PM services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discovery Cardmembcrs arc provided with 4500,000 Scheduled Air Travel Accident Insurancc.* You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card (as defined below) will be automatically insured against Accidental Loss of Life arisiny from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased or your Card arc riding as a passenger in or entering, exiting or being struck 'oy a Scheduled Aircraft or a conveyance operated by a military transport srovice or riding as a passenger in or enteriny or exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately precediny the departure of a Scheduled Aircraft on wh: ch the Insured Person has purchased passage and immediately following thr~ arrival of a Schedule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Irlsurarlce Companies. Certain limitations and exclusions apply. PU1N FEATURES THE BENEFITS: The futt Benefit Amount (45DD,DDD) is payable for Accidenlal Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIMfi OF INSURANCE: If more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of insurance (420,DD0,000) per Accident. If an Accident results in Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limit of insurance will be divided proportionally among flee Insured Persons, based on each applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from any one Accident, the Company's liability for all such losses will be. limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Life. Benefits will be roportionately divided among the Insured Persons up to the maximum Pmit of insurance. DEFINITIONS: Accident ar Accidental means a sudden, unforeseen and unexpeRed event happening by chance, and includes unavoidable exposure. to elements arising from a covered Hazard. Accidental Bodily Inj~ ies means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this policy is in force. Account means a Card account. Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account. Card means the Discover Card. Cardme_mber means the holder of the Card whose name appears on the credit card. Cpmpany means the Federal Insurance Company. Covered Trip meads travel ore a Scheduled Aircraft when the entire cost of the passenger tare for such transportation, less redeemable cr-rt'rficates, vouchers or coupons, has been charged to the Insured Person's Account. _tg_ Dependent Child or Children means those children, inducting adopted children and those children placed for adoption, who arc primarily dependent upon the Insured Person for maintenance and support and who arc: (i) under the age of 19 and reside with the Insured Person; (Z) beyond the age of 19, permanently mentally or physically challenged and incapable of self support or (3) under the age of 25 and classified as full-time students at an institution of higher learning. Domestic Partner means a person who: (1) is at least 18 years of age and competent to ertiet into a contract; (2) is not related to the Insured Pe-rson by blood; (3) has exclusively lived with the Insured Person far at Icast one year prior to the date of enrollment; (4) is not legally married or separated: and (5) as of the date of enrollment, has wi*.h the Insured Prrsen at least two of the following financial anargemenis: (a; a joint mor,yagc or Icasc; (b) a joint bank aacunt (d join) title to or ownersh{p of a motor vchidc or status as a joint lessee on a motor vehicle Icasc; or (d) a jn;nt credit card amount with a financial institutien. Neither :he Insk:nsi Person nee ;ne Domestic Partner can be married to, nor ir. a civil union; vrth, anyone else. Hazard means the covered circumstances for wF:ich thts insurance is provided as stated in Section III o! the Ocdarations, Hazards, and dcscbed in the Hazards form, as described on page 1 of this Descrpron o! Coverage. Insured Person means all Cardmembcrs, their spouses, Domestic Parncrs and Dependent Children, as well as authorired users of the Accourt. Loss means the loss of Life. Loss of Life means death, including clinical death determined by the local governing medical authorities. Policyholder means DFS Services LLC, the entity responsible for tine payment of premium. Scheduled Aircraft means an aircraft owned and/or operated by a Scheduled Airline. Scheduled Airline means an airline which is either of United States registry and-certified by the United States gcvernment to carry passengers cn a regularly scheduled basis or of foreign register and approved by the United States govrrnmerrt and the appropriate. fcrcign authority. War means hostilities following a declaration of War by a government authority. If there is no declaration of War, then (1} armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factions, each in control of terinory or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFtFS: If the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdown of any Scheduled Airaaft or conveyance in which the Insured Person was covered as an occupant, it will be assumed, subject to all other terms of the policy, *.hat the Insured Person has suffered Loss of Life covered under this polity. EXPOSURE BENEFRS: Accident includes unavoidable exposure to elements arising from a covered Hazard. EUGIBIl1TY: This insurance plan is provided to Insured Persons autematically when the entire cost of lice passenger fare(s) on a Scheriuler,' Airline is charged to the Cardmember's Accourt while the insurance is effective. It is not necessary for you to notify the Policyholder or the Company when Scheduled Airline tickets arc purchased. EFFECTPJE DATES: Your insurance under ;his insurance plan 's cfiettive on [he later of: 1) April 1, 2007; or 2) the dale you become an clirihle Cardmember. Your insurance coverage under this irswance plan will cease tg. 1000M0_D2HOK_TI-22H0710_01363_reader.indd 21-22 121 Li/OD t:3T06 ~'M on the earlier of; (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember. COST; This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Policyholder pays the full cost of the insurance. THE BENEFICIARY: The Loss of Life benefit will be paid to the. br-neficiary designated by you. If no such designation has been made, that benefit will be paid to the first surviving beneficiarryy in the following order: a) your spouse; b) your cf,ildren; c) your parents d) your brothers and sisters, e) your estate. All ether irtdemnitirs will 6e paid to you. If you wish to change your beneficiary, yeu may request a beneficiary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at BeneficiaryrequestPTheDireilMG.coin. EXCLUSIONS: This insurance plan does nol cover Loss resulting from: (1) an Accident occurring while an Insured Person is in, entering, or exiting any aircraft owned, leased or operated by this Policyholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (Z) an accident while an Insured Person is in, entering, or exiting any aircraft while ailing or training as a pilot or «ew member (this exclusion does not apply to passengers who temporarily pert orm pilot or crew functions in a life threatening emergency); (3) emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (S) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days aftc-r the occurrence of any Loss covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the Lozs. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than one year after the deadline to submit complete proof of Loss. CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of Loss is received and if you, the Policyholder andfor the beneficiary have complied with all the terms of the polity. ARBRRATION: In the event of a dispute under this policy, either tfle Company or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each seleil an arbitrator The two arbitrators will soled a third. If they cannot agree within 15 days, either the Company or the Insured Person may request that [he choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured Person's principal residence. l0 IODCMO_02I30K_7L22110210_01363_readeciruid 23-2M1 IF YOU HAVE ANY CLAIM RELATED QUE5TIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-SOD-CLAIMS-0 (1-800-252-4670). You can also go to the Company Web site (www.chubb.com), click on Report a Loss, select Accident, Benefits and Lite claims, zeler, the appropriate form, print out the. claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVKE CENTER 6001NDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 2332/-4100 Fax Number: 1-8D0-300-2538 As a handy reference guide, please read this znd keep it rn a sate place with your other insurance documents. This descriptior. of coverage 's rot a contrail of insurance but is a summary of the pr:ndpal provisions c' the insurance while in cited. Complete policy provisions are contained u, the Master Policy, which can be obtained from the Policyholder: Policy x9906-18-06 Policy Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a member insurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discovery Cardmembers tan benefit from the security znd safety offered through Excess Collision Damage Waiver. li you rent a vehicle for 3t consecutive days or less (or 45 days under certain circumstances described below} with your Card (as defined below), yeu may be eligible for benefits under this coverage. Excess Collision Damage Waiver is an insurance program, underwritter. by rederal Insurance Company Policy ~990G-t7-63 (the "Policy"). DEFINRIONS: Account means a Card account. A~ual Cash Value means the cost ;o repair or replace the Rented Automobile at the time of Icss, less depreciation. Cardmember means the holder of the Card whose name appears cn the credit card. Card means the. Discover Card. Collision Damaoe means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not inc{ude loss caused by missiles, falling ob)ecu, fire, theft or larceny, explosion, earthquake, windstorm, hail, wa*.er, flood, malicious mischief or vandalism, riot or civil commotion. Compan means the Federal Insurance Company. Insured means Cardmembrrs and authorized users of the Account. Polic by older means DFS Services LLC, the entity responsible for the pzyment of premium. Rental Agency means a commercial automobile- rental company liurnsed under the laws of the applicable jurisdiction. Rented Automobile means afour-wheeled prvate passenger type motor vehicle or a minivan manufadurrd and designed [o transport a mazirnum of seven passengers and used excursively to carry passeneers. A Rented -7.1- r 2l15/U9 L3J U6 :'+i9 Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: • The Collision Damage Waiver Coverage is provided to you, as an Insured, automatically when the entire rental fee for the Rented Automobile is charged or debited to your Account. It is not necessary for you to notify the Company at the time the rental fcc is charged or debited to your Account. • You must decline the LosslDamage Waiver offered'oy the vehicle Rental • You ust rent ;hc vehicle in you! own aamc and sign !hc vehicc rental agreementimnirect. • The coverage ported will not exceed 31 consecutive days, or 45 consecutive days ii the Insured is an employee of an organization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Policyholder as required, and subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis either the Insured or the Rental Agenry for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liability will be far a maximum reimbursement of $25,000. In no event will the Company be Ilable beyond the amounts actually paid by the Insured or the Rental Agency. • If you or an Insured's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other. eligible amounts not covered by other insurance. • This coverage is not all-inclusive, which means it does not cover such things as persartal in ury or personal liability. It does not cover you for any damages to other ve~icles or property. It does not cover you for any injury to any party. WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, antique or limited edition motor vehicles; trucks; recreational vehicles, campers, pickup Vucks, and mini-buses; limited edition motor vehicles or high value, exotic, high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds 550,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle whith has not been manufactured for 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented anywhere in the world. • Coverage is not available where prohibited by law. WHAT IS NOT COVERED: Coverage does not apply to loss resulting from the fo0owing: • Any dishones?, fraudulent or criminal act of the Insured. • Fcrgery by the Insured. • Loss due to war or confiscation by authorities. • Loss due to nuclear reaction er radlcactive contamination. • The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence. of any narcotic unless prescribed by a physician. • Use of the Rented Automobile to carry passengers and property for hire. • Usc of the Rented Automobile by a pcrsor. other than the one authorized J.2 - to operate the Rented Automobile by the terms of the Rental Agreement. • Loss of use of the Renicd Automobile. • Intentional damaye to the Rented Automobile by the Insured. • Damage which is due and confined to wear and tear, freezing, methar,ical or electrical breakdown or failure. • Damage to tires unless the loss is coincident with a covered loss. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated cr Iccatcd ir. any to+itcry prohibited by the terms of the Rental Agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: Te the extent that this plan provides ~.nsurance agahnt damaye.:o a rcrteci motor vehicle, the following terms and conditions apply: (Ij fire perioc of insurance coverage will not exceed 31 tomecutive days, or 45 consecutive days it the Insured is an employee of an organization which cos provided the Card to the Insured for business use; and (2) the. inwrance provider, try !his plan will be excess over ary other valid and collectible insurance covenrq ;he Rented Automobile. however, the insurance provided under this plan may be primary if specifically provided for under the terms of this plan and it the following criteria is met: (a) the. Rented Atrtemobile rs rented for se outside the United States, its territories and possessions; (b) the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (c) the Rented Automobile is rented without a driver. HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the event of a claim, written or verbal notice must be provided as soon as reasonably possible. IF YOU NAVE 0.NY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1.800-CLAIMS-0 (i-800-252-4670). You can also go to the Company Web site (www.chubb.com), click on Report a Loss, select Accident, Benefits and Lifc claims, soled the appropriate io+rn, pint out tttr. claim form, Fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 6001NDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 2332!-4-/00 Fax Number. 1-800.300-2538 CLAIM PROCEDURE: The Insured must send the Company written notice of a claim, including the insured's name and Policy number, within 90 days after a covered loss occurs. Ii notice cannot be. given within that time, it must be given as soon as reasonably possible. To file a sworn Proo( of Loss, the Insured must send the following information to the Company or its authorized representative: • AZOpy of the Acroirnt statemcrit showing the atrtornobiic rental transadio~. • A copy of the automobile rental agreement. • A copy o(the police repo±. • A ropy of the initial claim repor•, subrri;;cd ;o the at:,c~~cbi!e Kcn!ai Agenry. • A copy c(the paid Bairn presented by the actomchile Rcn;al Agenry br the Collision Darnagc for which t}re Insured is resFonsiblc. • Proof of subrr;ission of ;he loss tc, and ;hc resuls cf anv sC;:~il~ncr,t ;:. denial by the applicable insurance Carrie+{s). • If no other insurance is applicable, a notarized cta:ernen; 4ae. the Ir;,;mti to that effect. 10DCM0_02130K_7122N0210 01363_roadcr.indd26-'L6 t2/1!i/09 I f;7D6 ~•rd Reminder: Please refer to the Insurance Disclosures seRion. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance. are contained in the master policy on file with DFS Services LLC, herein referred [o as the Policyholder. If a statement in this Summary of Coverage and any provision in the policy differ, the policy will govern. Policy Underwritten By Plan Administrator Federal insurance Company ("Company") The Direct fvtar!cetinq Group, Inc. a member of the 13265 Bedford Avenue Chubb Group at Insurance Companies Omaha, NE 68164 15 Mountain Vicw Rcad, PO Box 1615 Warren, NJ 07061-1651 Master Policy Number: 9906-17-63 EffeRive date of benefits: Effective April 1, 2007, this gguide replaces all prior disclosures, program descriptions, advertising, andlor brochures by any party. Policyholder and Company reserve the right to change the benefits and features of these programs at any time. Cancellation: Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. If Policyholder does cancel these benefits, you will be notified at least 60 days in advance. If the Company terminates, cancels, or chooses not to renew the coverage to Policyholder, you will be notified as Boor, as is practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminatlnns, cancellation, or nen-renewal, subjrtt to the terms and conditions of coverage. Benefiu to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the 50 United States, the DistriA of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than the Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds andlor damages under or arising out of this coverage. These benefits do not apply if your Card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Account is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured wiU be uoid if, at any time, the Insured has concealed or misrepresented any material fan or circumstance concerning this coverage or the subject thereof or the interest of the Insured Herein, or in rase of any fraud or false swearing by the. Insured relating thereto. Coverage for an Insured will be void ii, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or misrepresented any material fact or circumstance. concerning this coverage or the subject t})ereof or the interest of the Insured therein, or in case of any fraud or false swearing by the Policyholder or its subscribing organization(s) relating hereto. - za t tnDGMp_02ROK_TL72H02 r0. a1363_readrr.indd 27-2A Addition of New Insureds: All eligible persons will be automaticaf}y insured under this Policy. Examination Under Oath: It is a condition of this insurance that the Insured and the Policyholder, as often as may br. reasonably required by the Company, will submit, and within its power cause others to submit, ;a examinations under oath and will produce for examination all writires, books of account, bills, invoices and other vouchers, or certified copies thrreoi ii originals are lost, at such reasonable time and place as may be designated by the Company or its representative, and will permit extrars and copies thereof to be made. No such examination under oath, examination of documents or any o;hcr aC, of the Company, its employees or «presentaGves in connection with the. invcstigatien of any loss or claim will be deemed a waiver of any defense and such acts shall be deemed to have been made or done without prejudice to the Company's liability. No Benefit to Others: This coverage will in no way ;nure directly or innireaiy to the benefit ni any insurer, person or organiza:inn or other bailee. Subrogation: It is a condition of this insurance ;hat if the Company pays the Insured for a loss, it win require the lnsurce io asrgn ara transfer any claim or right of action aggainst any individual, firm cr corporation for such Inns :o the Company or subrogate or hold in trust all such riyhts to the extent of the amount paid. The Insured will agree. to take anion as roqucsted by the Company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to doer, enforcement of such nghts as reasonably requested by the Company and to return :c fire Company any «covcry to the. extent payment of loss has brcn made by :he Company. Arbitration: In the event of a dispute under this pclicy either tiro Company or the Insured may make a written demand for arbitration. In that rase, ;hr Company and the Inswed will each select an arbitrator The two arbitrators will select a third. if they cannot agree within 15 days, eit}~er the Ccmpany or the Insured may request that the chcicc ci arbitrator be submitted ;o t'r.c American Arbitration Association. The arbitration will be held in ;he state of the Insured's principal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The Global Traveler's Hotline provides Cardmembers and their families a wide rangy. of teen travel assistance. benefits. h is opr.•rated by AXA Assistance USA, Inc. Visit Discovercardcornftravel to learn more. Eligibility. You must be a Cardmember w}±ose Account is in good standing, the Cardmember's spouse or dependent child trave}ing with the Cardmember or an Authorized User of an Account in good standing. Third-Party Charges. Global Traveler's Ho*.line is not insurance, so you will be responsible for all third-party fees and expenses for services « quested, such as professional or medical fees. Availability of Services. Certain services may-not be available in all areas. Call us at 1-B00-DISCOVER (1-800-347-2683) for assistance or if you have questions about a specific destination. Outside the U.S„ call us roller, a; t-801-902-3100. While AXA Assistance will make. every reasonable effort tc provide the services, neither AXA Assistance nor Discover Rank cr our respective affiliates will be liable if a service is not provided or far any services that are provided by third parties. The services and these terms and renditions arc subject to change without notice. _ZS_ 12/IIo/09 I a/'Ai irM DISCVER 's9;titio.oo`° 13 SDSN8A01 0002885 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $180.00 I Enter Amount Enclosed Below Payment Due Date May 12, 2004 please make check payable to Discover Platinum ~~ ;?~, ~ > ':; ti~~ Card or pay online ~ Discovercard.com. J r~'~ ~ o paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Illrrrllrrr~rr~lrrl~rillir) CHARLOTTE NC 28272-1084 Address, e-mail or telephonechange2 Print change in space ~ri~i~~ii~irr~~~~irr~rr~r~irr~~~~ir~~rr~ir~~i~~ri~ri~ri~r~rr~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638090DD0000000000018000 Discover Platinum Card Account Summary Closing Date: April 13, 2004 page 1 of 2 Account number ending in 1547 Previous Balance $0.00 Payment Due Date May 12, 2004 Payments And Credits - 0.00 Minimum Payment Due $180.00 Purchases + 0.00 Credit Limit $9,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 9,000.00 Cash Credit Limit $2,300.00 Finance Charles _ _ + 0.00 Cash Credit Available $0.00 _ New Balance ____ _____ __ = $9,000.00 You may be able to avoid Periodic finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: March Keep using your DiscoverlR) Card and watch your Cashback BonuslRJ award growl Remember, once our Cashback Bonus award is at least ~20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel YOU? 1 • Visit Discovor.com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD lassistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions Balance Transfers $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Apr 5 Apr 5 BANK ONE CREDIT C XXXXXXXXXXXX4007 IN NV $ 9,000.00 APR 0.00% EXPIRES 04/2005 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. As a DiscoverlR) Cardmember, you can get cash quickly and easily -just about anytime, anywhere. To find the nearest cash ~IJ~~Y CPt r~'~ ~v Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected stotements that only you can access. • Access up to 2d months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. Sign up today at .: Discovercom/paperless ~y 4F i i , V2009 Discover Bank, Member FDIC Closing Date: April 13, 2004 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates _ RATES RATES CHARGES CHARGES current billing period: 21 days Purchases $0 0.03833% 13.99°'° V 13.999'° $0 $0 Cash Advances $0 0.057519'° 20.999'° F 20.99% $0 $0 Balance Transfers $3857.14 0.000009'° 0.00% F 0.00% $0 $0 The rates,that. ap41 , tq,XoucA~ct~unt~ars either fixed (f)or they mar vary (V) os noted above. QUe5tlonS? Manage your account at Discover.com or ®IS~VEI~ ~sa;atiooo'y' 13 5DSN6A01 0002886 HITCHIN6S, JOSEPH L 2413 COPE DR MECHANICSBUR6 PA 17055-5355 ~ouwni ~ Y n~,.vuui iv~uivoi on,.u ~~y i a-e. $176.00 Enter Amount Enclosed Below Payment Due Date June 12, 2004 Please make check payYable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO HOX 71084 (~~"'~~"""fit"~~"~~"t CHARLOTTE NC 28272-1084 Address, email or telephone changes Print change in space I~~~~'I~~I~i~~~l~~~~`~~i~~~~i~~~~~~~'~~~~~~i~~~~~1~~~~i~~~~~'~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OD0001986458741571638088DOOD00200000D17600 Discover Platinum Card Account Summary Closing Date: May 13, 2004 page 1 of 2 Account number ending in 1547 Previous Balance $9,000.00 Payment Due Date June 12, 2004 Payments And Credits - 200.00 Minimum Payment Due $176.00 Purchases + 0.00 Credit Limit $9,000.00 Cash Advances + 0.00 Credit Available $200.00 Balance Transfers + 0.00 Cash Credit Limit 300.00 $2 Finance Charles 0;00 + Cash Credit Available , $200.00 _ __~ New Balance __ _ ____^ = $8,800.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Bolanca $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0,00 Cashback $onus® Anniversary .. _ . _ _ ....... _ . .. _ . _ Month: March Keep using your Discover(R) Card and watch your Cashback Bonus(R} award growl Remember, once our Cashback Bonus award is at least ~20, you can redeem yyour award by calling us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1 • Visit Discowr.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more tt's your choice - 3 ways to help Please have our Discover Card available, y For TDD (assistance for hearing impaired) see reverse side 2. Call 1-800•DISCOVER (347-2683} for fast, easy seiFservice options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dote Payments and Credits May 12 May 12 PAYMENT -THANK YOU $ -200.00 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. Identify theft complaints to the FTC increased 33%; From 161,836 complaints in 2002 to 214,905 in 2003 (Fedora{ Trade Commission, Jan. 2004). Enroll in optional ProfileProtecf(R) & we will send you a copy of your credit report & monitor your credit file every business day -- tools to help protect you From ID theft. Call 1-866-708-0672 to enroll. Did you know that millions of credit cards are lost or stolen every years The Register(R) safeguards all your credit, debit and ATM cards for less than 5 cents a day. Call 1-800.347-3395 for more details. Build your Cashback Bonus(R) award with every bill you pay automatically with your Discover(R) Card. Cell phone, cable ~~~~~~ ~~ C`e~V ~• ~ Account number ending in 1547 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 downloadabie, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. 072009 Uiscuver Bank, Member FDIC Closing Date: May 13, 2f)04 page 2 of 2 Keep Up with Your Account From anywhere. Whether you're at home, at work, or away on vacation -- your Discover(RI Card Account is easily accessible online. Check your statement. Pay your bill. Redeem your Cashback Bonus(R~ award. Contact Customer Service. It's quick, easy, and secure. Visit the Account Center at Discovercard.com today. FREE Additional Cards al{ow yov to shore your credit line without sharing your card! Request FREE Additional Cards for your spouse, college student, or anyone close to you. You'll get a lot more out of your credit linel }ust call 1-800-347-5537 or visit Discovercard.com today. Call 1-800-767-7319 today or visit Discovercard.com to Find out if you qualify for a valuable Balance Transfer offer. It's a fast and easy way to save money! Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rotes RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.03833% 13.99% V 13.99% $0 $0 Cash Advances $0 0.05751 % 20.99% F 20.99% $0 $0 Balance Transfers $8986,66 0.00000% 0.00% F 0.003'° $0 $0 previous billing period: 21 days Purchases $0 0.03833% 13.999'° V 13.99% $0 none Th• r~..p..tepappir t. your Accasrnt are either fixed (FI or they may vary (V} as noted above. QU@St10nS? Manage your account at Discover.com or 13 SDSN8A01 0002887 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $171.00 Enter Amount Enclosed Below Payment Due Date ~ -1 Juiy 12, 2004 Please make check payable to Discover Platinum Card or pay online ~ Discavercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~"'~~"""~~"~~"~~"~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change;: Print change in space '~~`il`~~I~~~`~~i~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638085500000250000017100 Discover Platinum Card Account Summary Closing Date: June 13, 2004 page 1 of 1 Account number ending in 1547 Payment Due Date July 12, 2004 Minimum Payment Due $171.00 Credit Limit $9,000.00 Credit Available $450.00 Cash Credit Limit $2,300.00 Cosh Credit Available $450.00 Previous Balance $8,800.00 Payments And Credits - 250.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charc,Les 0.00 + _ _,_ New Balance _ __ = $8,550.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary - Month: March Keep using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1 • Visit Discovar.com to pay your bill for no cost, view your latest Account information, eam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-BOO•DISCOVER (347.2b83) for Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager for TDD assistance for hearin im aired see reverse side 3. Write us at Discover Card, PO Box 30943, ( g • P ) Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Paymenta and Credits Jun 10 Jun 10 PAYMENT -THANK YOU $ 250.00 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.038333'° 13.99Y° V 13.99°I° $0 $0 Cash Advances $0 0.05751 % 20.99% F 20.999'° $0 $0 Balance Transfers $8767.74 0.00000% 0.00% F 0.009'° $0 $0 The rates that app{y to your Account are either fixed (F) or they may vary (V) as noted above. Did yov know that millions of credit cards are lost or stolen every year$ Enjoy peace of mind by knowing The Register(R) 13 SDSN6AOt OD02888 HITCHINGS, JOSEPH t 2413 COPE DR MECHANICSBURG PA 17055-5355 $168.00 -r _~ Enter Amount Enclosed Below v" Payment Due Date August 12, 2004 Please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at dlscover.comlpaperless. PO BOX 71084 III"'ll"""II"Ilrrll"I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space I~~lill~iliiil~ll~~il~~lil~iillll~iil~il~i~~ill~~l~~l~ilili~ll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638083700000180000016800 Discover Platinum Card Account Summary Closing Date: July 13, 2004 page 1 of 1 Account number ending in 1547 Previous Balance $8,550.00 Payment Due Date August 12, 2004 Payments And Credits - 180.00 Minimum Payment Due $168.00 Purchases + 0.00 Credit limit $9,000.00 Cash Advances + 0.00 Credit Available $630.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 0.00 Cash Credit Available $630.00 _ _ New Balance ___ _ _ _ = $8,370.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: March Keep using your Discover(R) Card and watch your Cashback 8onus(R) award grow! Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel You? 1 • Visit Discover.com to pay your bil{ For no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cal{ 1-800-DISCOVER (347-2483) for Fast, easy selF•service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Daro Daro Payments and Credits 1ul 8 Jul 8 PAYMENT • THANK YOU $ •180.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES currant billing period: 30 days Purchases $0 0.038339'° 13.999'° V 13.999'0 $0 $0 Cash Advances $0 0.057519'° 20.99% F 20.999'° $0 $0 Balance Transfers $8514.00 0.00000% 0.00°rb F 0.00% $0 $0 Thy rags that apply to your Account are sith~r fixed (F) or they may vary (V) as noted above. Build your Cashback Bonus(R) award with every bill you pay automatically with your Discover(R) Card. Cell phone, cable D~SCC~VER 'Sa;ias.ooy° 13 SDSN6A01 0002869 HITCHINGS, J05EPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 . ~r~,.°.,..,,,° ,. , °„~.,~y , ~..-,. $163.00 Enter Amount Enclosed Below Payment Due Date September 12, 200A please make check payable to Discover Platinum Card or pay online @ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~~n~~unu~~n~~r~~~n~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space I~~~~I~~~I~~~I~'~~~~I~~I~~~~~I~II~~~I~~I~~I~iI~~~~i~~~~~~(~i~I above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458741571638081450000225000016300 Discover Platinum Card Account Summary Closing Date: August 13, 2004 page 1 of 2 Account number ending in 1547 Previous Balance $8,370.00 Payment Due Date September 12, 2004 Payments And Credits 225.00 Minimum Payment Due $163.00 Purchases + 0.00 Credit limit $9,000.00 Cash Advances + 0.00 Credit Available $855.00 Balance Transfers + 0.00 Cash Credit limit $2,300.00 Finance Charges 0.00 + Cash Credit Available $855.00 _ _ _^.__ New Balance _ _ _ ___ ~~__ = $8,146.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback i3ostuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance- $ 0.00 Cashback Bonus® Anniversary - Month: March Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by tolling us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1. Visit Discover.cam to pay your bil{ for no cost, view your latest Account information, earn and redeem rewards and more {t's your choice - 3 ways to help Please have our Discover Card available. y For TDD (assistance for hearing impaired) see reverse side 2. Call 1.800.DISCOVER (347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us of Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Aug b Aug 6 PAYMENT -THANK YOU $ -225.00 Information for You Balance Tronsfer offer for current billing period: Daily Periodic Rate: 0.00000°; corresponding ANNUAL PERCENTAGE RATE: 0.00%. Rate is subject to the terms of the offer including expiration. By paying your bill by check, you agree to the processing of your payment electronically. IF your check is processed ~9~C.~.~~/~K N~r~ ~V Account number ending in 1547 Di5 VER' Get added security with no paper trait Make your account information more secure with password-protected statements that only you con access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobiVe phone. • f rinl a pnper copy of your statement anytime. ciy2009 Discover [Sank, Member FDiC Closing Date: August 13, 2004 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances ote RATES RATES CHA S CHARGES current billing period: 31 days Purchases $0 4.039019'° 14.24°!.° V 14.249:° $0 $0 Cash Advances $0 0.05751 % 20.99q° F 20.99% $0 $0 Balance Transfers $8311.93 0.00000°I 0.0090 F 0.009'° $0 $0 T~h.~rates~thais gpplr jo your Account ors Nthe Rx~d (F) ar th.y may vary (V) as noted above. QUeSt10nS? Manage your account at Discover.com or ®15CVER 's~;960.uti`a t3 SD5N6A01 0002890 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ,ii iii„ui,i , ur,i,e,i, vvo n~~vv,i, ivv„iuo, oiiu„iy ,,, iJYI L1bU.U0 Enter Amount Enclosed Below ~~~~----Payment Due Date October 12, 2004 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX. 71084 Illrri~l""rrll"I~"II"I CHARLOTTE NC 28272-1084 Address, a•mnil or telephone changed Print change in space I~~IiII~~I~~~l~~l~~~l~~l~~~~~ll~~~~~liil~~l~~~l~~~~~~~~~~~~~~) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638079600000185000016000 .._... Discover Platinum Card Account Summary Closing Date: September 13, 2004 page 1 of 2 Account number ending in 1547 Previous Balance $8,145.00 Payment Due Date October 12, 2004 Payments And Credits - 185.00 Minimum Payment Due $160.00 Purchases + 0.00 Credit Limit $9,000.00 Cash Advances + 0.00 Credit Available $1,040.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Char~es 0.00 + Cash Credit Available $1,040.00 __ _ New Balance _ _ ~_ _ - $7,960.00 You maybe able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: March Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once yyoour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging info the Account Center at Discovercard.com. How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. CoN 1-800-DISCOVER (347-2b83) For fast, easy self-service Please have our Discover Card available, options or to speak with a Customer Service Account Manager y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dah Dote Payments and Credits Sep 10 Sep 10 PAYMENT -THANK YOU $ -185.00 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: O.OO~o, Rafe is subject to the terms of the offer including expiration. Now you can use your Discover(R) Card to pay your child's tuition at KinderCare(R) Learning Centers locations nationwidell ~~~C.VtK ~~ r~r~ ~~ Account number ending in 1547 I D{5CVER' Get added security with no paper trait Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadabie, printable statements. • See your statement as soon os it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-moil or text messages on your mobile phone. • Print o paper copy of your statement ar~yfime. Closing Dnte: September 13, 2004 page 2 aF 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHAR CHARGES current billing period: 31 days Purchases $0 0.03970% 14.49% V 14.49% $0 $0 Cash Advances $0 0.057519'0 20.999b F 20,499'0 $0 $0 Balance Transfers $8121.12 0.000009a 0.0090 F 0.009 $0 $0 Thy rat lS..t,tha~t apply to your Account on either fixed (F) or they may vary (V) a~ noted above. QUeSt10nS? Manage your account at Discover.com or DISCOVER 'st%liti 4.u..`v 13 SDSN6A01 0002891 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 Enter Amount Enclosed Below ~ ~ Go paperless and make your account f~formation more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~ur{~nnu~~n~~n~~u~ CHARLOTTE NC 28272-1084 Address, a•mail or telephone change8 Print change in space I~~I~IIi~'i~~l~~ll~~~'iil~Ii~~I~~I~~~'~~{~~~~~{~i~I~~~i~~~{ii~l above, or go to Discover.com. Print your e-mail address to receive important Account information and special oFfers. ~ 0000019864587415716380000000079600000D0000 Discover Platinum Card Account Summary C{osing Date: October 13, 2004 page 1 of 1 Account number ending in 1547 Previous Balance $7,9b0.00 Payment Due Date November 12, 2004 Payments And Credits - 7,960.00 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $9,000.00 Cash Advances + 0.00 Credit Available $9,000.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges 0.00 + Cash Credit Available $2,300.00 __ New Balance ___ __ ___ $0.00 Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback $onus~ Anniversary Month: March So.oo ~ ' Payment Due Date November 12, 2004 Cashback Bonus Balance $ 0.00 How Can We Help You? 1 • Visit Discovar.com to pay your bill for no cost, view your latest Account information, earn and redeem rewords and more ~t'S your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For Fast, easy selFservice Please have our Discover Card available. options or to speak with a Customer Service Account Manager y 3. Write us at Discover Card, PO Box 30943, For TDD jassistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Sep 24 Sep 24 PAYMENT -THANK YOU $ -7,960.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL 'ANNUAL ' Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES 'RATES C GE CHARGES current billing period: 30 days Purchases $0 0.040389'° 14.74q° V 14.7d9 $0 $0 Cash Advances $0 0.057513'° 20.993'° F 20.999'0 $0 $0 Balance Tronsfers $2653.33 0.000009 0.00% F 0.00% $0 $0 The rates that apply to your Account an either fixed {F) or they may vary (V) as nehd above. u~~LV tK 52,643.67 ~ t3 5DSN6A01 0002892 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $53.00 ~ Enter Amount Enclosed Below Payment Due Date November 12, 2005 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements on{y you can access. Learn more at discover.com/paperless. PO BOX 71084 Illr~rllr~r~rrllrrllrrllrr~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ~~~I~))ri~rri~r~~rri)rrli~iril~~~iii)~ilri~rr~~ii)ri~rr~i~ir above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638026436700000000005300 Discover Platinum Card Account Summary Closing Date: Ocbber 13, 2005 page 1 of 1 Account number ending in 1547 Previous Balance $0.00 Payment Due Date November 12, 2005 Payments And Credits - 0.00 Minimum Payment Due $53.00 Purchases + 2,643.67 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $7,356.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 nce Char es Fin a + 0:00 Cash Credit Available $2,600.00 _ _ , _-___ New Balance _____ = $2,643.67 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 9.47 Cashback Bonus Balance $ 9.47 Cashback Bonuses Since Anniversary Month March: $9.47 Cashback Bonus(R) is America's #1 Cash Rewards Program) full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 %Cashback Bonus on all your other purchases. How Can We Help You? 1 • Visit Discover.com to pay your bill kr no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy selfservice options or to speak with o Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Automotive Sep 16 Sep 16 FORBES CHEVROLET CAMP HILL PA $ 2,643.67 Finance Charge Summary Nominal Transaction Average gaily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.045869'° 16,749'° V 16,749'° $0 $0 Promotional Purchases $0 0.000009'0 0.0090 F 0.009'° $0 $0 Cash Advances $0 0.057519'° 20.999'° F 20.99% $0 $0 previous billing period: 31 days Purchases $0 0.045189'° 16.499'° V 16.499:° $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. I]I~CV~I~ $2,493.67yy 13 SDSN6A01 0002893 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ,,,,,,,,,,,,,,, ,,,r,.,...,..,..., , ,,....,.,.,, ...,..,.,.....,...,,.~ ... ...-.. $50.00 ~ Enter Amount Enclosed Below Payment Due Date December 12, 2005 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.conUpaperless. PO BOX 71084 ~~~"'~~"""~~"~~"~~"~ CHARLOTTE NC 28272-1084 Address,a-mail ort®lephonechange$Printchangeinspace I~~'~~~~~`~~~~~~`~~~~~~~~~~~~~fi~~~~~~~~~~~~i~f~~ii~~~~i~~~~~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638D2493670015000000500D Discover Platinum Card Account Summary Closing Date: November 13, 2005 page 1 of 2 Account number ending in 1547 Payment Due Date December 12, 2005 Minimum Payment Due $50.00 Credit Limit $10,000.00 Credit Available $7,506.00 Cash Credit Limit $2,600.00 Cash Credit Available $2,400.00 Previous Balance $2,643.67 Payments And Credits - 150.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 rBes Finance Ch a 0.00 + __^___ _ _ _ New Balance ___ _ ,_____ = $2,493.67 You may be able to rnoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Cashback Bonus®-Since Anniversary Manth March: $1 O.d7 Cashback Bonus(R) is America's #1 Cash Rewards Program) Full 59o Cashback Bonus on Get More purchases in popular cotegories throughout the year and up to 194 Cashback Bonus on al! your other purchases. Opening Cashback Bonus Balance $ 9.47 New Cashback Bonus This Period ShopDiscover & Promotional + 1.00 Everywhere Else + 0.00 Cashback Bonus Balance $ 10.47 How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3, Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 26 Oct 26 PAYMENT -THANK YOU $ -150.00 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00521%; corresponding ANNUAL PERCENTAGE RATE: 1.909'°. Rate is subject to the terms of the offer including expiration. Pay your household bills with your Discover(R) Card. Phone. Cable. Subscription services. And more. It's a great way to save time while building your Cashback Bonus(R). Through the generosity of our Cardmembers, DiscoverjR) Card has donated more Than $14 million to the Make-A-Wish Foundation. You can make a child's dream come true by electing to donate your Cashback BonuslR) to the Make-A•Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. u~~c,vrrc .,r_,..~ .... _....--,.---... _ DiSCb'VER' I Account number ending in 1547 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 down{oadabie, printable statements. • See yaur statement as soon as it's available rather than wait for it to arrive in your mailbox, • Get helpful payment reminders through a-mail or text messages on your mobile phone, • Print o paper copy of yaur staternent anytime. Sign up today at Discover.com/pnperless `<'; R: t;= F k x;2009 Discover bank, Member FDIC Closing Date: November 13, 2005 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL -ANNUAL Periodic Fae Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04586% 16.74% V i b.74% $0 $0 Promotional Purchases $2551.73 0.000009'° 0.00% F 0.00% $0 $0 Cosh Advances $0 0.05751% 20,9990 F 20.999'0 $0 $0 previous billing period: 30 days Purchases $0 0.045869a 16.74°/.0 V 16.749'0 $0 none Promotional Purchases $2467.42 0.000009a 0.009'° F 0.00°:0 $0 $0 The rates that apply to,Xour ACC~ynt on etth~r fixed +,F~ or they may vary N) as noted oboes. QUeStlOnS? Manage your account at Discover.com or DISCOVER 'sz,31s.b7`° 13 SDSN6A01 0002894 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ,.,~.,..~,,,~„ , .,r~..°,~. ,,,,° ,,....,,,.,,..,.,,,,...,, ,.,,...,,y ,,. ...,. $47.00 Enter Amount Enclosed Below Payment Due Date January 12, 2006 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 (~~rr~~~~r~rri~~~r~~rr~~rr~ CHARLOTTE NC 28272-1084 Address, emmail or telephone changeZ Print change in space ~~~~~I~~~I~~~~~~~~~~I~~I~~~~~II'~~~~I~~I~~I~~II~i~~~Ii~l~l~~l~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638023186700175000004700 Discover Platinum Card Account Summary Closing Dafe: December 13, 2005 page 1 of 1 Account number ending in 1547 Previous Balance $2,493.67 Payment Due Date January 12, 2006 Payments And Credits - 175.00 Minimum Payment Due $47.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $7,681.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 finance Charges _ + 0.00 Cash Credit Available $2,600.00 _ ____ New Balance _ = $2,318.67 You may be able to avoid Periodic Finance Charges, see the reverse side For details. CCSI16aCIC Bcnutl® Opening Cashback'$onus Balance $ 10.47 New Cashback Bonus This Period + 0.00 Cashback Bonus',Balance $ 10.47 Cashback Bonus® Since AnniversaryMonfh_ .. . ...... ... .... . _ .... .. ___.. _ _ .. . . March: $10.47 Cashback Bonus(R) is America's #1 Cash Rewards Program) Full 5% Cashback Bonus on Get More purchases in popular c~tegones throughout the year and up to 1 %Cashback Bonus on all your other purchases. How Can We Hel You? P 1. Visit Diacover.com to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800•DISCOVER (347.2683) for fast easy selFservice Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Crodits Nov 29 Nov 29 PAYMENT -THANK YOU $ _175,00 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.00521%; corresponding ANNUAL PERCENTAGE RATE: 1.90%. Rats is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.04655% 16.99% V 16.99% $0 $0 Promotional Purchases $2406,17 0.00000% 0.00% F 0.00% $0 $0 Cash Advances $0 0.05751 % 20.99% F 20.999b $0 $0 The rotes that apply to your Aceaunt ors either fixeef (F) or they may vary (V) as noted oboes. ~~~~~ • ~~ $2,164.55yv $44.00^._____l Enter Amount Enclosed Belowv~• Payment Due Date February 12, 2006 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 13 SDSN6A01 0002895 HITCHINGS, JOSEPH L Go paperless and make your account information more secure with password- 2413 COPE DR protected statements only you can access. MECHANICSBURG PA 17055-5355 Learn more at discover.com/paperless. PO BOX 71084 ~~~"'~~"""~~"~~"~~"~ CHARLOTTE NC 28272-1084 Address, a-mail or telephone change? Print change in space ~~~I~~'~~~~~~I~I'~~~I~~~~I~~~iI~~~~~~~i`~~I~~~'~~'~~'~~'~I~iI) above, or go to Discover.com. Print your email address to receive important Account information and special offers. DODO:01986458741571638027,6455D020000D004400 Discover Platinum Card Account Summary Closing Date: January 13, 2006 page 1 of 3 Account number ending in 1547 Payment Due Date February 12, 2006 Minimum Payment Due $d4.00 Credit Limit $10,000.00 Credit Available $7,835.00 Cash Credit Limit $2,600.00 Cash Credit Available $2,600.00 Previous Balance $2,318.67 Payments And Credits - 200.00 Purchases + 45.88 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charles + 0.00 _ _ __ _ - -- New Balance - - = $2,164.55 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 10.47 New Cashback Bonus This Period + 0.23 Cashback Bonus Balance $ 10.70 Cdshbai:k Bonust® Since Anniversdty Month March: $10.70 How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance Eor hearin im aired sae reverse side 3. Write us at Discover Card, PO Box 30443, ( 9 ~ P ~ Salt Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jon 7 Jan 7 PAYMENT -THANK YOU $ -200.00 Merchandise/Retail Dec 14 Dec 14 PAYCOM.NET 800.893-8871 CA 4.95 57321118 Dec 14 Dec 14 PAYCOM.NET 800-893-8871 CA 1.00 57321121 Dec 14 Dec 14 PAYCOM.NET 800-893-887j1 CA 29.98 57321419 Dec 18 Dec 18 PAYCOM.NET 800.893-SSTI CA 4.95 57693493 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.005219x'corresponding ANNUAL PERCENTAGE RATE: 1.905'0. Rate is subject to the terms of the offer including expiration. Pay your household bills with your Discover(R) Card. Phone. Cable. Subscriptign services. And more. It's a great way to save time while building your Cashback Bonus(R). Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the MakeA-Wish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make•A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org ~ISCVER u Nuy> iv .. _. ...__ ..__. I]~SC!;;~VER Account number ending in 1547 Get added security with no paper firaii Make your account information more secure with password-protected statements that only you can access. • Access up to 2d months of downloadabie, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. 'Sign up today ak Disco~er.com/paperless " I =1 ~1 '. cfl2009 Discover bank, Member FDIC Closing Date: January 13, 2006 page 2 of 3 Finance Charge Summary Nominal Transaction Average Daily ANNUAL 'ANNUAL Periodic Fee Daily Periodic PERCENTAGE !:PERCENTAGE FINANCE FINANCE alone Rates RATES `RATES C~IARGES CHARGES current billing period: 31 days Purchases $0 0.0472336 17.24°o V 17.24°I° $0 $0 Promotional Purchases $2318.09 0.000003'° 0.009'° F 0.00'6 $0 $0 Cash Advances $0 0.05751°'° 20.999'° F ~ 20.99° $0 $0 The rata that apply to your Acc®unt are either fixed (F) or they mdy vary (V) as noted above. QUeStIOnsF Manage your account at Discover.com or I~IJI.~~: V tK ,.,.,,,,,y ,,,.,~. L .,.........~ ..~_.. s . Januar~r 13, 2006 Account number endin in 1547 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: March 13 Balance Previous Cashback Bonus Award Balance $ 10.47 Purchase Award This Period + 0.23 Cas back Bonus Awar Tota 10.70 Cashback Bonus Award Balance 10.70 Award Available to Redeem $ ~ 0.00 Restrictions apply to th! C~~ahbock Bonus Partner offers visit Discever.com or call 1.800-DISCOVER (1-800.347.2683) For details. For program details, see the Cashback Bonus grogram Terms and Conditions. DISCOVER ~$2,029.A8~~ I $41.00 Mr ~ V V a ~ Enter Amount Enclosed BelowvT• Payment Due Date March 12, 2006 pl k check a able to Discover Platinum 13 SDSN6A010002896 HITCHINGS, .JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. ease ma e p Card or pay online ~ iscovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOXj~71084 ~~~ui~~nnn~~n~~u~~u~ CHARLOTTE NC 28272-1084 ,( ~ii~i~~u~n~~i~~in~~i~~~n~~~~~i~i~i~~u~~i~~n~u~n~i~~i~~ (, i I' 0000019864587415716380202948001750001~.04100 l :~ Discover Platinum Card Account Summary ~ ' ` Closing .Date; F I . ruary 13, 2006 page 1 of 2 Account number ending in 1547 Previous Bolonce !I - $2,164.55 Payment Due Date March 12, 2006 Payments And Cre~ ts - 175.00 Minimum Payment Due $41.00 Purchases i I + 39.93 Credit Limit $i 0,000.00 Cash Advances + 0.00 Credit Available $7,970.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 Finance Charles _ + 0.00 Cash Credit Available $2,600.00 _ , _____ New Balance = $2,029.48 You may be able to;avoid Periodic Finance Charges, see fhe reverse side for det,gils. Cashback Bostus® Opening Cashback Bonus Balance $ 10.70 New Cashback Bonus This Period + 0.20 Cashback Bonus Balance $ 10.90 Cashback Bonus® Sinte Anniversary Month March: $10.90 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashback Bonus on Get More purchases in popular cafegoriel throughout the year and up to 19° Cashback Bonus on a{I your other purchases. How Con We Help You? 1 • Visit Discover.co'm to pay your bJl for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCtOVER (347-2683) for fast, easy self-service options or to spgak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at DiscoQver Card, PO Box 30943, For TDD {assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date ' Payments and Credits Feb 3 Feb 3 PAYMENT -THANK YOU $ -175.00 Merchandise/RetaA Jan 14 Jan 14 PAYCOM.NET 800.893-8871 CA 24.48 60150062 Jan 18 Jan 18 PAYCOM.NET 800.893-887Y. CA 9.95 60499091 ' Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.005219'° corresponding ANNUAL PERCENTAGE RATE: 1.909'°. Rate is subject to the terms of the offer including expiration. Use your Cashback Bonus(R) to help others. When you donate your Cashback Bonus(R) to our charitable partners, JDRf, Junior Achievement(R) and the Make•A-Wish Foundation(R), Discover(R) Card will' add 20q fo your donation. To donate your Cashback Bonus(R) or learn more, visit Discovercard.com Discover Card ranked #1 in Fraud Protection Services among the largest credit card companies by Javelin Strategy & Y./~v6.rV ~®\ D~SCV~R• I; Account number ending in 1547 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 downioadabie, printable statements. • Ses your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. -,~ ', Sign up today at : j .;~ Discovercom/paperless ~1~ ~ C G2009 Uiscovar tlank, Member rDIC Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL ' Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES ', RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04723% 17.24% V ! 17.24% $0 $0 Promotional Purchases $2141.09 0.000009'0 0.009e F 0.009'e $0 $0 Cash Advances $0 0.05751 % 20.9990 F 20.99% $0 $0 The rates that apply to your Accent ar!_~it~h~r fixed (F) or they may vary (V) a rioted ai~ov~. QuestlOnS? Manage your account at Discover.com or ®Y~CVEI\ S1,974.40~~ 13 SDSN8A01 0002897 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $40.00 o I Enter Amount Enclosed Below Payment Due Date ~ -1 April 12, 2006 Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 'Go paperless and make your account information more secure with password- rotected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 (~~~rr~~rrrrir~~rr~~~~~~~r~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone chonge8 Print change in spats ~ri~i~~ir~ir~i~~~~~(~~~r(iir{(~ (iri~ri~ri~ri~(i~~ii(ri~i~ii~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638019744 000125000004000 Discover Platinum Card Account Summary Closing Date: March 13, 2006 page 1 of 2 Account number ending in 1547 Previous Balance ' !' $2,029.48 Payment Due Date April 12, 2006 Payments And Credits - 125.00 Minimum Payment Due $40.00 Purchases + 69.92 Credit limit $10,000.00 Cash Advances + 0.00 Credit Available $8,025.00 Balance Transfers '' + 0.00 Cash Credit Limit $2,600.00 Finance Charges ____ _ _ + _0_.00 Cash Credit Available $2,600.00 New Balance 1 t l _ $1,974.40 You may be able t~ ' avoid Periodic Finance Charges, see the reverse side~For det ails. Cashback Bonus® Opening Cashbac. ~~Bonus Balance $ 10.90 New Cashback Boy us This Period ShopDiscover &~?romotional + 3.00 Everywhere Else (', + 0.35 Cashback Banusf~ Since Anniversary Month Cashbatk Bonus`Bsllance $ 14.25 March: $14.25 Cashback Bonus(R) is America's #1 Cash Rewards Program) full 5%Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1% Cashback Bonus on all your other purchases. How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account. information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-Boo-DISCOVER (347-2683) for fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearin im fired see reverse side 3. Write us at Discover Card, PO Box 30943, ( 9 ~ Pa ) Salt Lake City,UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Posf Date Data Payments and Credits Mar 3 Mar 3 PAYMENT -THANK YOU ~ $ •125.00 Merchandise/Retail Feb 13 Feb 14 WMV*MATCH.COM 800.9;26-2824 TX 24.99 000100007121353 Feb 14 Feb l4 PAYCOM.NET 800.893-8871 CA 29.98 62886783 Feb 18 Feb 16 PAYCOM.NET 800.893.8871 CA 9.95 63253625 Information for You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.005219e; corresponding ANNUAL PERCENTAGE RATE: 1.909e. Rate is subject fo the terms of the offer including expiration. Discover Card ranked #1 in Fraud Protection Services among the largest credit card companies by Javelin Strategy & Research in its 2005 report. Your account is protected anytime, anywhere within $0 fraud liability guarantee and we'B toll you right away if there is unusual activity on your account. To learn more visit Discovercard.com/protection Starting March 25 visit Discovercard.com or call 1-800-DISCOVER (1.800-347=2683) to sign up for our next Get More YV~' V"AVER' ` Account number ending in 1547 1 Disc~S Get added security with no paper trail Make your account information more secure with password•protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. _~ ; Sign up today at Discovercom/paperless TtJ2009 Discover bank, Nbmber FDIC Closing Dote: March 13, 2006 page 2 of 2 Why not reward yourself this tax season$ Use your Discover(R) Card when you pay your taxes and you'll earn Cashback Bonus(Rl. Just visit www.pay1040.com/discover Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHA S CHARGES current billing period: 28 days Purchases $0 0.04792% 17.49% V 17.49% $0 $0 Promotional Purchases $2048.86 0.00000°k 0.009'° F 0.009'° $0 $0 Cash Advances $0 0.057519'° 20.999'° F 20.999'° $0 $0 The rates that ap ly to your Account an either fixed (F~ or they may vary N~ as Hated above. QUeSt10nS? Manage your account at Discover.com or 2,030.21 ~ $46.00 Enter Amount Enclosed Below Payment Due Date May 12, 2006 Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 13 SDSN8A01 0002898 HITCHINGS, ,JOSEPH L Gopaperlessandmakeyauraccount information more secure with password- 2413 COPE DR .protected statements only you can access. MECHANICSBURG PA 17055-5355 Learn more at discover.com/paperless. Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. PO BOX 71084 )))rrr)~nrru~)u)~r~~~n~ CHARLOTTE NC 28272-1084 ~~~)i~)n)u~~i)~ui)u)i~n~)~~)n~)n)n~u))n~u)n~i)u~~ 000001986458741571638020302100045000004600 Discover Platinum Card Account Summary . Closing Date: April 13, 2006 page 1 of 2 Account number ending in 1547 Previous Balance $1,974.40 Payment Due Date May 12, 2006 Payments And Credits - 45.00 Minimum Payment Due $46.00 Purchases + 69.92 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $7,969.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 Finance C harces ~_ 0.89 + 3 Cash Credit Available $2,600.00 _ _ _ New Balance _____ _ _ ____ ~_ $2,030.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback'Bonus Balance $ 14.25 New Cashback Borius This Period ShopDiscover & Rromotional + 3.00 Everywhere Else! + 0.17 Cashback Bonus® Anniversary Cashback Borws Balance $ 17.42 Month: March How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account irjFormation, earn and redeem rewords and more Itrs your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD lassistance for hearing impaired) see reverse side Salt Lake City, UT 84.130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Dais Payments and Crodits Apr 10 Apr 10 PAYMENT -THANK YOU $ -45.00 Merchandise/RstaR Mar 14 Mar 14 PAYCOM.NET 800-893-88711. CA 29.98 65518344 Mor 16 Mar ib WMV"MATCH.COM 800-92b•282d TX 24.99 000100008659558 Mar 18 Mar 18 PAYCOM.NET 800-893-8871' CA 9.95 65901259.1 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: O.Q0521~o;;¢orresponding ANNUAL PERCE NTAGE RATE: 1.909'0. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL .ANNUAL. ' Periodic Fee PERCENTAGE Daily Periodic PERCENTAGE. FINANCE FINANCE Ba anc s Rates RATES RATES C~IARGES C RGES current billing period: 31 days Purchases $2050.22 0.04860°ro 17.74X V 17.74% $30.89 $0 Cash Advances $0 0.057519'0 20.94% F 20.990 $0 $0 ?hs raise that apply to your Aecaunt and either fixed (F) or they may vary (V) as noted abov®. Manage your account your way -whether you prefer to speak with a live person;br manage things on your own, DiscoveriR) ~f.,I\rV t{t A rii 13, 2006 Account number ending in 1547 ~ ~'' page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date; March 13 Balance Previous Cashback Bonus Award Balance $ 14.25 Purchase Award This Period + 0.17 ShopDiscover & Promotional 3.00 Cashback Bonus Award Total 17.42 Cashback Bonus Award Balance 17.42 Award Available to Redeem $ 0.00 Rutr'ctions apply to the Cgshback Bonus Partnsr oFFera viait Discover.com or call 1.800-DISCOVER ~ 1.800-347.2683) for detai~s. For program details, see the Cashback Bonus Program Terms and Conditions. DISCOVER 'si3.is'u"`° 13 SDSNeA01 0002899 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 IVIII11111UIIIIUYIII°I1111U0 "~. I1tl.UUIII IVVIIIU°I °IIUIIItJ III IJYI $13.75 ~' Enter Amount Enclosed Below Payment Due Date $ June 12, 200b please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Address, a-mail or telephone change$ Print change in space above, or go to Discover.com. Print your email address to receive important Account information and special offers. Go paperless and make your account information more secure with password- grotected statements onry you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~ul~~unu~~n~~n~~n~ CHARLOTTE NC 28272-1084 IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII~IIIIIIIIIIIII~11'II'II'IIIIII 00000198645874157163800013?50210013001375 Discover Platinum Card Account Summary C{osing Date: M Account number ending in 1547 Previous Balance. Payment Due Date June 12, 2006 Payments And Cre Minimum Payment Due $13.75 Purchases Credit Limit $10,000.00 Cash Advances Credit Available $9,986.00 Balance Transfers Cash Credit Limit $2,600.00 Finance Charges_ Cosh Credit Available $2,600.00 New Balance You may be able t reverse side for de 13, 2006 page 1 of 2 $2,030.21 is - 2,100.13 + 69.92 + 0.00 + 0.00 + 13.75 - $13.75 avoid Periodic Finance Charges, see the ils. Cashback Bonus® Cashback Bonus® Since Anniversary Month March: $6.3d CONGRATUTATIONSI Your Cashback 8onus(R) is waiting For you. Visit Discovercard.com or call 1.800.DISCOVER (1.800.347.2683) to get your share of America's #1 Cash Rewards Program. Opening Cashbacl~ Bonus 8alonce $ 17.42 New Cashback Bolus This Period ShopDiscover & Promotional + 3.00 Everywhere Else f + 0.17 Cashback Bonus Balance $ 20.59 How Can We Hel YOU? 1. Visit Discovsr.cdm to pay your bill kr no cost, view your P latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, WT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Apr 28 Apr 28 PAYMENT -THANK YOU $ -2,100.13 Merchandise/Retail Apr 14 Apr 14 PAYCOM.NET 800-893.8871 CA 29.98 68239250 Apr 15 Apr l5 WMV*MATCH.COM 800.926.2824 TX 29.99 000100010089212 Apr 18 Apr 18 PAYCOM.NET 800-893-8871 CA 9.95 68583480 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00521 %; corresponding ANNUAL PERCENTAGE RATE: 1.909'0. Rate is subject to the terms of the offer including expiration. let your Discover(R) Card pay your monthly bills, and you'll have more free time and a clearer picture of your monthly spending. Simply contact your service providers today to set up regular automatic payments with your Discover Cord and start building your Cashback Bonus(R) even Faster. ~i'~VYr,~ 1 ~~ DIS~V ~ Account number ending in 1547 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 downioadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ~, t. ; Sign up today at Discovercom/paperless ~F; ~~ r ~~~'~~ V I~~IY it ~~~~ ~~ ,~ ~ ~' t<~ppp9 Discover Dank, Member FDIC Closing Date: May 13, 2006 page 2 of 2 Finance Charge Summary I Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE .FINANCE FINANCE B antes Rates RATES RATES CHARGES CHARGES currant billing period: 30 days Purchases $943.28 0.048603'° 17.743'° V 17.74% $13.75 $0 Cosh Advances $0 0.05751 % 20.993'° F 20.99% $0 $0 Tluca ~s thc{t aR~ly to your Account on ~ith~r fired IF) or they may vary (V) ei noted above. QUe5tIOnS? Manage your account at Discover.com or .r ..................__ ., .. ,. ,, ..._ ... _ _, DISC~/ER $434.79 $15.00 ~ ~ Enter Amount Enclosed Below Payment Due Dafe July 12, 2006 please make check payable to Discover Platinum Card or pay online ~ Discovercord.com. 13 SDSN6A01 0002900 HITCHINGS, JDSEPH L Gopaperlessandmakeyouraccount information more secure with password- 2413 COPE DR protected statements only you can access. MECHANICSBURG PA 17055-5355 Learn more at discover.com/paperless. PO BOX 71084 ~~~ni~~uuu~~n~~n~~u~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space ~i~I~~'~~~~~~(~(~i~i~~~~~~i~~~~~~~ii~~~~~i~~i~~ii~i~~ii~i~ii~~ above, or go to Discover.com. Prinf your e-mail address to receive important Account information and special offers. 00000198645874y571638004347900013750001500 Discover Platinum Card Account Summary Closing Date: June 13, 2006 page 1 of 2 Account number ending in 1547 Previous Balance $13.75 Payment Due Date July 12, 2006 Payments And Credits - 13.75 Minimum Payment Due $15.00 Purchases + 434.79 Credit timit $10,000.00 Cash Advances + 0.00 Credit Available $9,460.00 8a{ance Transfers + 0.00 Cash Credit Limit $2,600.00 Finance Char~es__ „_ `___ _+____ _ 0.00 Cash Credit Available $2,495.00 New Balance - $434.79 You may be able to avoid Periodic Finance Charges, see the reverse side for detbils. COS~IbOt{c 130T1u5® Opening Cashback','Bonus Balance $ 20.59 New Cashback Bonus This Period ShopDiscover & Promotional + 5.00 Everywhere Else + 1.09 Cashback Bonus® Since Anniversary ManTh Cashback Bonus .Balance $ 26.68 March: $12.43 CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1.800-DISCOVER (1.800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • Visit Discoveccom to pay your bill For no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have our Discover Card available. options or to speak with a Customer Service Account Manager Y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions So Fraud Uabifity Guarantee Use your Discover Card with confidence. Trans. Post Dote Dare Ii Payments and Credits May 31 May 31 PAYMENT -THANK YOU $ -13.75 Merchandise/Retail May 14 May 14 PAYCOM.NET 800-843-88711 CA 29.98 _ . 70941410. _ . _ May 15 May 15 WMV*MATCH.COM 800.926-2824 TX 29.99 000100011542193 May 18 May 18 PAYCOM.NET 800-893-8871 CA 9.95 71325666 Jun 3 Jun 3 ARTWORKS MECHANICSBU~tGPA 264.47 Services May 13 May 14 YAHOO *PERSONALS 866-~'58-8744 CA 39.95 73790287 j May 14 May 14 EHARMONY.COM PASADEt~{A CA 59.95 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795%;~corresponding ANNUAL PERCENTAGE RATE: 2.90%. Rata is subject to the terms of the offer including expiration. Get set for Fall. Get 5~° Cashback Bonus(R). Use your Card July to September at Gap, Koh{'s, MarshaNs(R), T.J.Maxx(R), ui,c.v ~re ~~ "~r~ ~V Account number endin~ in 1547 DISCOVER' ~ g Get added security with no paper trail Make. your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement os soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. X2009 Discover (Sank, Member FDIC Closing Date: June 13, 2006 page 2 of 2 Congratulations to the 2006 National Discover(R) Card Tribute Aword(R) Scholarship winners: Jacqueline Bavier, Stephen Carlson, Winter Downing, Tyler Fortney, Bethany Lyon, Monika Mackow, Desiree Nelson, Seth Robinson, William Stone, and Tess Stoops. Each won $27,500 for post high-school education or training. Visit Discovercard.com/tribute Discovercard.com provides you with the easiest online self service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up for timely e-mail reminders to help you avoid tees. Easy account management is just a click away) Register or log in to Discovercard.com/register finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ale ces Rates RATES ' RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04929% 17.999'° V ' 17.99% $0 $0 Cash Advances $0 0.057519'° 20.49% F 24.993'° $0 $0 previous billing period: 30 days Purchases $0 0.048609'° 17.74° V 17.74% $0 none ~he~rat~s that apply to your Account on either Fixed (F) or they may very IV) as Hated above. QUeSt10nS? Manage your account at Discover.com'or ,~, IVtlW DUIUII(~tl (VIIIIIIIIUIII fUYllltllll VVtl HI:LVVIII IVVIIIVtlI tlI1U1111J. III IJY/ ~lSCVER $422.28 $15.00 ~ Enter Amount Enclosed Below Payment Due Date $ ~-~~ August 12, 2006 Please make check payyable to Discover Platinum Card or pay online ~ Discovercard.com. 13 SDSN6A01 0002901 HITCHINGS, JOSEPH L Gopaperlessandmakeyouraccount information more secure with password- 2413 COPE DR protected statements only you can access. MECHANICSBURG PA 17055-5355 Learn more at discover.comlpaperless. P:0 BOXi71084 Illnrllunnllnllnllnl CHARLOTTE NC 28272-1084 Address, a-mail or telephone change$ Print change in space I~~Ill~i~llrlli~l~lllilll~i~lll~~lllllilllll~l~i~~li~~~~~lll~l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. DD0001986458741571638DD42228DD18SDDDOD150D Discover Platinum Card Account Summary Closing Date: Ju~y 13, 2006 page 1 of 3 Account number ending in 1547 Previous Balance I $434.79 1 00 Payment Due Date August 12, 2006 Payments,And Cred its 85. - Minimum Payment Due $15.00 Purchases. + 159.82 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Avoilable $9,577.00 Balance Transfers ', + 0.00 Cash Credit Limit 600.00 $2 finance C harBes ' 12.67 + Cash Credit Available , $2,600.00 _ New Balance __ _ j ____ __ `___ = $422.28 You may be able to 'avoid Periodic finance Charges, see the reverse side For det ~ils. ~' Coshback Bonuse oshback Bonusl® Since Anniversary Month March: $14.83 Opening Cashback Bonus Balance $ 26.68 New Cashback Bo us This Period ShopDiscover &' romotional + 2.00 Everywhere Else + 0..40 Cashback Bonus Balance $ 29.08 How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have our Discover Cord available. y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Date Date Payments and Credits 1ul 10 Jul l0 PAYMENT -THANK YOU $ -185.00 Merchandise/Retail Jun 14 Jun 14 PAYCOM.NET 800-893-8871 CA 29.98 73599220 Jun 14 Jun ld WMV*MATCH.COM 800-926-2824 TX 29.99 000100012983220 Jun 18 Jun 18 PAYCOM.NET 800.893.8871 CA 9.95 73939203 Services Jun 13 Jun 14 YAHOO *PERSONAIS 866.458-87.44 CA 39.95 76115329 Jun 14 Jun 14 EHARMONY.COM PASADENA CA 49.95 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795%; corresponding ANNUAL PERCENTAGE RATE: 2.909e. Rate is subject to the terms of the offer including expiration, Shop confidently. Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. With our advanced Fraud warnings, you'll know right away if any suspicious activity occurs. And iF someone makes fraudulent charges with your card, our $0 Fraud liability guarantee means you're not responsible. Check out Shop Discover Card at Discovercard.com/shop for discount offers from your Favorite online retailers. Sign up now and get 53e Cashback Bonus(R) with the Get More program when you use your Discover(R) Card to buy fall D15~ -y~ Account number ending in 1547 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 downfoadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless ~' :1 12009 Discover flank, Member FDIC Closing Date: July 13, 21)06 pope 2 of 3 finance Charge Summary Nominal Transaction Average Daily ANNUAL '' ANNUAL ' Periodic Fee Daily Periodic PERCENTAGE , PERCENTAGE FINANCE FINANCE Ba antes Rates RATES RATES CHARGES CF~ARGES current billing period: 30 days Purchases $576.96 0.049979'° 18.249'° V 18.249'° $8.65 $0 Cash Advances $0 0.057519'° 20.999'° F 20.99% $0 $0 previous billing period: 31 days Purchases $263.05 0.049299'° 17.99% V 17.99°:° $4.02 none The cabs that apply to your Aaeeunt are either Fixed (F) or they may vary (V) as noted above. QUeStlOnS? Manage your account at Discover.com or DISCOVER ~iosmg ware: ~~ "'~" Jul 13, 2006. Account,number ending in 1547 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: March 13 Balance Previous Cashback Bonus Award Balance $ 26.68 Purchase Award This Period + 0.40 ShopDiscover & Promotional 2.00 Cashback Bonus Award Total 29.08 Cashback Bonus Award Balance Award Available to Redeem 29.08 $ 20.00 I{~~trittiops a ply to th•_Cgahbaek BoIlus F'artrNr oFfsnpvisit ®te¢ewr,eotr or ed~l 1.6®®•®11~0VER (1-®09.347-26®3~ For aiitdllS. BF ~rt9grdm mtai s, s®e the Cashback bonus rogram Terms and Con itions. ~i~CVER $364.21y~~~V 13 SDSN6A010002902 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ,,,,,,,,,,,,,,, , ,,,.,,...,, .,,... ~,.,.,,,.,.~ , ,.,.,,..o. o,...,..y .,, ...,, $15.00 ___'__ J Enter Amount Enclosed Below Payment Due Date September 12, 2006 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Address, e-mail or telephone change;' Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~l~url~unn~~u~~u~~n~ CHARLOTTE NC 28272-1084 ~ulr~~u~ni~i~~nr~n~i~ni~~~~nr~n~u~n~~n~n~n~i~n~~ 000001986458741571638003642100285~~F]t](115~~ Discover Platinum Card Account Summary Closing Date: August 13, 2006 page 1 of 2 Account number ending in 1547 Previous Balance $422.28 Payment Due Date September 12, 2006 Payments And Credits - 285.00 Minimum Payment Due $15.00 Purchases + 219.82 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $9,635.00 Balance Transfers + 0.00 Cash Credit limit $2,600.00 Finance Char~c es + 7.1 1 Cash Credit Availab{e $2,600.00 ^_ _^ New Balance __ _ __ = $364.21 You may be able to avoid Periodic Finonce Charges, see the reverse side For details. Cl]StIbQCk BGflUS® Opening Cashback Bonus Balance $ 29.08 Naw Cashback Bonus This Period ShopDiscover & Promotional + 10.00 Everywhere Else + 0.55 Cashback Bonus®Since Anniversary Month March: $25.38 Cashback Bonus Balance $ 39.63 CONGRATULATIONSI Your Cashback 8onus(R) is waiting for you. Visit Discovercard.com or call 1-800•DISCOYER (1.800-347.2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • Visit Dixover.com to pay your bill For no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to hel 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service p options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jul 26 Jul 26 PAYMENT -THANK YOU $ -285.00 Merchandise/Retail Jul 14 Jul 14 PAYCOM.NET 800.893-8871 CA 24.48 _ .. 76188132. Jul 14 Jul 14 WMV*MATCH.COM 800.926-2824 TX 29.99 000100014438713 Jul 18 Jul 18 PAYCOM.NET 800.893-8871 CA 9.95 76527869 Travel/Entertainment Jul 20 Jul 20 GREYHOUND LINES #1508 214-849-8466 TX 60.00 Servfcea Jul 13 Jul 14 YAHOO *PERSONALS 866.458-8744 CA 34,95 78616616 Jul 14 Jul 14 EHARMONY,COM PASADENA CA 49.95 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.016169'0; corresponding ANNUAL PERCENTAGE RATE: 5.90. Rate is subject to the terms of the offer including expiration. D{SCVER u aw t'~r Account number ending in 1547 DtSCVER' Get added security with na paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. . _._ x 1x2009 Dixwer Dank, Member FDIC Closing Date: August 13, 2006 page 2 of 2 Save time and a stamp this month by paying your bill online at Discovercard.com. Make none-time payment or schedule payments in advance up to your due date, whenever it's most convenient For you; To find out about our free and flexible online payment features, visit Discovercard.com/payments Discover Financial Services is once again proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Help us raise even more money to fund research for a cure by participating in the Walk or donating your Cashback Bonus(R) to JDRF. A cure is within reach. To learn more, visit Discovercard.com or www.jdrF.org Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $458.39 0.04997% 18.24°ro V 18.24% $7.11 $0 Cash Advances $0 0.05751 % 20.99% F 20.99% $0 $0 TMtPMrcttes that. apply to yy4r Account an zither fixed (F) or they may vary (V) os n©tsd ab®vs. QUeSt10nS~ Manage your account at Discover.com or ~~~~r~V~~ $2,547.59 S51.00.... _,..._... --- Payment Due Date October l2, 2006 13 SDSN6A01 0002903 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 Enter Amount Enclosed Below $~ Please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX` 71084 Illnrll""ullullnll"~ CHARLOiTTE NC 28272-1084 Address, e-mail or telephone changey Print change in space I~~I~Il~~liril~ll~~~liil~l~~~llll~iiliil~~l~i~liiliil~il~li~ll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019864587415?16380254759D0075000005100 Discover Platinum Card Account Summary Closing Dote: September 13, 2006 page 1 of 2 Account number ending in 1547 Previous Balance i $364.21 Payment Due Date ' October 12, 2006 Payments And Credits 75.00 Minimum Payment Due $S 1.00 Purchases + 189.81 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $7,452.00 Balance Transfers + 2,000.00 Cash Credit Limit $2,600.00 Finance Char~es`_ + 68.57 Cash Credit Available $2,600.00 _~____ - New Balance _~ = $2,547.59 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Bo{ance $ 39.63 New Cashback Bonus This Period + 0.47 Cashback Bonus Balance $ 40.10 Cashback Bonus®Since Anniversary Month March: $25.85 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8oo•DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) sea reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liabiliy Guarantee Use your Discover Card with confidence. Trans. Post Date Dats Payments and Credits Sep 7 Sep 7 PAYMENT -THANK YOU $ -75.00 Merchandise/Retail Aug 13 Aug 14 WMV*MATCH.COM 600.926-2824 TX 29.94 000100015952128 Aug 14 Aug 14 PAYCOM.NET 800.893.8871 CA 29.98 78771181 Aug 18 Aug 18 PAYCOM.NET 800-893-8871 CA 9.95 79120651 Sep 12 Sep 12 WMV*MATCH.COM 800.926.2824 TX 29.99 000100017527147 Services Aug 13 Aug 14 YAHOO *PERSONALS 8bb-458.8744 CA 39.95 80998369 Aug 1 d Aug 14 EHARMONY.COM PASADENA CA 49.95 Balance Transfers Sep 12 Sep 12 BALANCE TRANSFER CHECK 0365 2,000.00 Sap 12 Sep 12 BAL TRANS TRANSACTION FEE FINANCE CHARGE 60.00 APR 5.909a EXPIRES UNTL PD Get 59o Cashback Bonus(R) From October to December at restaurants, movies theaters and rental stores; and on books, music rt pays ro ~ ~ ..~ ,~ ....., ~......~ ~ . DiSCVER olsc€:~&1~ER Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that on4y yov con access. • Access up to 2d months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-snail or text messages on your mobile phone. • Print a paper copy of your statement anytime. 1 Sign up today of i ';' Discovercom/paperless `' R, ri`' • a ,. ,, tz~2009 Discover fSank, Member FDIC Closing Date: September 13, 2006 page 2 of 2 Information For You The address provided in your Cardmember Agreement to request a beneFiciary designation form For your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident 8 Health Division, 300 South Riverside Plaza, Suite 2100, Chicago, Illinois 60606.6613. Shop confidently. Your DiscoverlR) Card has you covered with Complete Fraud Protection for your peace of mind. With our advanced Fraud warnings, we'll call you right away if there's unusual activity on your account. And iF someone makes haudulent charges with your card, our $0 fraud liability guarantee means you'relnot responsible. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE .PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHA S CHARGES current billing period: 31 days Purchases $511.65 0.04997°J° 18.249'° V 18.24% $7.92 $0 Cash Advances $0 0.0575190 20.999'° F 20.999'° $0 $0 Balance Transfers $132.91 0.01616% 5.909'° F 36.399'° $0.65 $60.00 The rote: that apply to your Account are Nther fixed (F) or they may vary (V) as noted abovs. QUeStlonS? Manage your account at Discover.com or U~a~LrV `K $2,551.37 13 SOSN6A01 0002904 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $51.00___ Enter Amount Enclosed Below y~~ Payment Due Date November 12, 2006 please make check paYable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~Irr~~~~rrri~~~rr~~rr~~rr~ CHARLOTTE NC 28272-1084 Address, a-mail or telephone change$ Print change in space ~ir~r~~n~~''n~r~~ur~n~r~nr~~~~nr~n~n~u~~u~u~n~r~rr~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458?41571638D25513700175000~05100 i i Discover Platinum Card Account Summary Closing Date: October 13, 2006 page 1 of 3 Account number ending in 1547 Previous Balance $2,547.59 Payment Due Date November 12, 2006 Payments And Credits - 175.00 Minimum Payment Due $51.00 Purchases + 159.82 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $7,448.00 Balance Transfers" + 0.00 Cash Credit Limit $2,600.00 Finance Charges4; _ _ _ _ _ + _ 1.8.96 Cash Credit Avoiloble $2,600.00 New Balance = $2,551.37 You may be able',to avoid Periodic Finance Charges, see the reverse side for details. Cashb4ck Bonuse Opening Cashback Bonus Balance $ 40.10 New Cashback Bonus This Period + 0.40 Cashback Bonus Balance $ 40.50 Cashback Bonuses Since-Anniversary Month March: $26.25 How Can We Hel YOU? 1 ~ Visit Discover.com to pay your bill for no cost, view your P latest Accaunt' informafion, earn and redeem rewards and more (t's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easyselFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30443, For TDD (assistance for hearing impairedf see reverse side Salt Lake City''UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Crodits Oct 1 Oct 1 PAYMENT -THANK YOU $ -175.00 Merchandise/Retail Sep 14 Sep 14 PAYCOM.NET 800.893-8871 CA 29.98 81404367 Sep 18 Sep 18 PAYCOM.NET 800-893-8871 CA 9.95 81737378 Oct 12 Oct 12 WMV*MATCH.COM 800-926-2824 TX 29.99 000100019000413 Services . - Sep 13. Sep 14 YAHOO *PERSONAL$ 866-458-8744 CA 34.95. 83560291 Sep 14 Sep 14 EHARMONY.COM PASADENA CA 49.95 Information For You The address provided in your Cardmember Agreement to request a beneficiary :designation form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza Suite 2100, Chicago, Illinois 60606-6613. Discovercard.com provides you with the cosiest online self-service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up for timely e-mail reminders! to help you avoid Fees. Eosy account management is just a click away! Register or log in to Discovercard.com/registermyaccount Manage your account your way -whether you prefer to speak with a live person or manage things on your own, Discover(R~ DISCOVER 'D{SC rV~~ Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. X2009 Dixover bank, Member rDIC Closing Date: October 13, 2006 page 2 of 3 Hey, Juniorsl We are searching for outstanding high school juniors to apply For the Discover(R) Card Tribute Award(R) Scholarship Program. Scholarships will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at www.Discovercard.com/tribute !I Finance Charge Summary Nominal Transaction Average Daily ANNUAL 'ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $621.92 0.04997% 18.2490 V 18.243'° $9.33 $0 Cash Advances $0 0.057519'° 20.99% F 20,9990 $0 $0 Balance Transfers $1989.56 0.016169'° 5.90°'° F 5.909'° $9.63 $0 Thi rtltrts that ripply tb your AeCbunt ari sithir FIKed (F) or th,y may vary (V) as n5tsd above. ', Sign up today al Discovercom/paperless R. QUeSt'IOnS~ Manage your account at Discover.com or (' ~.wau~y Iwo. ~~~~"~ ~~ October 13, 2006 I Account number ending in 1547 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: March 13 Balance Previous Cashback Bonus Award Balance $ 40.10 Purchase Award This Period + 0.40 Cas back Bonus Award Tota 40.50 Cashback Bonus Award Balance Award Available to Redeem 40.50 $ 40.00 RRestriction: apply to th Cashback Bonus Partner offers visit pit~ewr.cem ar ea 11•Ad0•DIS60VER ~l•800.347.2683~ for d~teila. Fdr PProgram details, see the Cashback Bonus grogram Terms and Conditions. ®ISCVER s2,792.D5 s1oB.DD Payment Due Date December 12, 2006 13 SDSN6A01 0002905 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 Enter Amounf Enclosed Below Please make check payable to Discover Platinum Card, Minimum payment due includes a past due amount of $51.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illrirll""rrllrrll"Ilrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space I~~I~II~~I~~~I~II~~~I~~I~I~~~IIII~~~I~~I~~I~~I~~~~~~I~~~~I~~ above, or go to Discover.com. Print your e-mail address to receive important Aceount information and special offers. 000001986458741571638027920500000000010800 Discover Platinum Card Account Summary Closing Data: November 13, 2006 page 1 of 2 Account number ending in 1547 Previous Balance $2,551.37 Payment Due Date December 12, 2006 Payments And Credjts 0.00 Minimum Payment Due $108.00 Purchases + 198.82 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $7,207.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 Finan ca Char~es _ + 41_86 Cosh Credit Available $2,600.00 _ _ _^__ _ New Balance I __ _~_ = $2,792.05 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashback Bonus®Since Anniversary Month March: $26.65 Opening Cashback Bonus Balance $ 40.50 New Cashback Bonus This Period + 0.40 Cashback Bonus Balance $ 40.90 How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have our Discover Card available. options or to speak with a Customer Service Account Manager y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Merchandise/Retail Oct 14 Oct 14 PAYCOM.NET 800-893-8871 CA $ 29.98 83956614 Oct 18 Oct 18 PAYCOM.NET 800.893.8871 CA 9.95 84298494 Nov 1 1 Nov 11 WMV*MATCH.COM 800-926-2824 TX 29.99 000100020446247 Other/Miscellaneous Nov 13 Nov 13 LATE FEE 39.00 Services. Oct 13. Oct 14. YAHOO *PERSONAL$ 866-45B-8744 CA. 39.95 86309599 Oct 14 Oct ld EHARMONY.COM PASADENA CA 49.95 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we hove chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rote, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right ro increase the APRs on your Account iF you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan sectipn of the Cardmember Agreement for details. Balance Transfer offer For current billing period: Daily Periodic Rafe: 0.0499796;!corresponding ANNUAL PERCENTAGE RATE: 18.24%. Rate is subject to the terms of the offer including expiration. ~, L)l~C:Y tK I ~~ ~~r~ ~~ Account number ending in 1547 DI5C~YER' Get added security with no paper trail Make your account informatior, more secure with password-protected statements that oniy you can access. • Access up to 24 months of downloadable, printable statements. • See your stotement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ,~ i a +;E .Sign up today at Discover.com/paperless a~2009 Discover bunk, Member FDIC Closing Date: November 13, 2006 page 2 of 2 ******* ATTENTION ******* ATTENTION ******* ATTENTION 'i******* ATTENTION ******* ATTENTION * * * * * * * Your account is post due. Please pay the past due amount now, or contact us to make other arrangements. Cut back on mailbox clutter) Sign up for Paperless Statements and simplify the Woy you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your biN quickly and easily. Sign up at Discovercard.com/ps Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE : PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $793.44 0.04497% 18.24% V 18.24% $12.29 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $1909.55 0.04997°I° 18.243'° V 18.24% $29.57 $0 The,, rates that apply to your Aecaunt are either fixed (F) or they may vary (V) as Noted above. QUeStlOnS? Manage your account at Discover.com or ®ISCVER '82,892J8`° 13 SDSN6AOt 0002906 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $59.00 ~~ Enter Amount Enclosed Below Payment Due Date Janunry 12, 2007 please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX' 71084 Ill~ullnnnllullullul CHARLOTTE NC 28272-1084 Address, a-mail or telephone changed Print change in space I~~)~I~~~)~r~Ir~I~~iI~~I~Ir~~II~I~~~~~~1~~~~~)~~~~~~~~~~~(~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638028927800155000Q05900 Discover Platinum Card Account Summary Closing Date: December 13, 2006 page 1 of 2 Account number ending in 1547 Previous Balance $2,792.05 Payment Due Date January 12, 2007 Payments And Credits - 230.00 Minimum Payment Due $59.00 Purchases + 287.06 Credit limit $10,000.00 Cash Advances + 0.00 Credit Available $7,107.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 Finance Charges ^ 43:67 + Cash Credit Available $2,600.00 __ _ _ _ J__` _ New Balance _ __ ___ = $2,892.78 You may be able td avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 40.90 New Cashback Bonus This Period + 1.34 Cashback Bonus!Balance $ 42.24 Cashback Bonus® Since Anniversary Month March: $27.99 CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800•DISCOVER (1-800-3d7-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 ~ Visif Discoveacom to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It`s your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service Please have our Discover Card available. options or to speak with a Customer Service Account Manager y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Credits Nov 15 Nov 15 PAYMENT • THANK YOU $ -75.00 Dec 1 Dec 1 PAYMENT -THANK YOU -155.00 Merchandise/Retail Nov 14 Nov 14 PAYCOM.NET 800.893.8871 CA 29.98 96369083 Nov 18 Nov 18 PAYCOM.NET 800.893-8871 CA 9.95 96693943 Nov 18 Nov 18 TEAMFANSHOP COM JACKSONVILLE FL 62.94 Dec 1 1 Dec 1 1 WMV*MATCH.COM 800-926-2824 TX 29.99 000100021833923 Services Nov 13 Nov 14 YAHOO *PERSONALS 866-458-8744 CA 39.95 88885889 Nov 14 Nov 14 EHARMONY.COM PASADENA CA 49.95 Nov 19 Nov 19 PAYPAL *BLACK GOLD 402 935 7733 CA 64.30 ~~~~~ • ~~ „r,,,,,,,, .,_.....__ ___. ._ D'~C~y?v~R I Account number ending in 1547 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 downloadab}e, printable statements. • See your statement os soon os it's available r•atlier thou wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. . Print o paper copy of your statement anytime. ~2UU9 Discover (Sank, Member FDIC Closing Date: December 13, 2006 page 2 of 2 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.0499790; corresponding ANNUAL PERCENTAGE RATE: 18.249'0. Rote is subject to the terms of the offer including expiration. Cut back on mailbox clutter) Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an a-mail as soon as your statement is ovailable online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Make-A-Wish foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit Wish.org Visif ShopDiscover at Discovercard.com/shop fo earn additional Cashback Bonus(R) when you shop online. You will Find great offers kom retailers like Barnes and Noble, FTD, Magazines.com and morel Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE alanc Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $1114.74 0.049979'0 18.2490 V 18.2490 $1 b.72 $0 Cash Advances $0 0.057519'0 20.9996 F 20.9990 $0 $0 Balance Transfers $1748.47 0.0499790 18.2490 V 18.249'0 $2b.95 $0 The rags chat apply to your Account ere either fiAed (F) or they may vary (V) as noted above. QUeSt10nS? Manage your account at Discover.com or 13 SDSN6AD10002907 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ..................r....,. ...... I ..,.....,.,.~ ..,..~....., ....,....y ,,, ...~. $60.00 Enter Amount Enclosed Below Payment Due Date February 12, 2007 please make check payable to Discover Platinum Card or pay online ~ Discovarcard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~"'~~"""~~"~~"~~"~ CHARLOTTE NC 28272-1084 Address, e-mail or Telephone changeZ Print change in space Irrlrfl~rl~~i~~llr~~l~~~~lrr~~ll~~~r~ir~rr~ir~~ri~ri(ri~r~rr above, or go to Discover.com. Print your e-mail address to receive important Account information and specie{ offers. 000001986458741571638027924400275000006000 Discover Platinum Card Account Summary Closing Date: January 13, 2007 page 1 of 3 Account number ending in 1547 Previous Balance $2,892.78 Payment Due. Date February 12, 2007 Payments And Credits 275.00 Minimum Payment Due $60.00 Purchases + 129.84 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $7,207.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charles + 44.82 Cash Credit Available $5,000.00 _ ~,_ New Balance _ _ $2,792.44 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 42.24 New Cashback Bonus This Period + 0.65 Cashback Bonus® Since Anniversary Month March: $28.64 Cashback Bonus'Balance 42.89 How Can We Help You? 1 • Visit Discover.com to pay your bill For no cost, view your latest Account information, eam and redeem rewards and more Lt's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available, 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, C1T 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trons. Post Data Dats Payments and Gedita Dec 31 Dec 31 PAYMENT • THANK YOU $ •275.00 'Merchandise/Retail Dec 18 Dec 18 PAYCOM.NET 800.893-8871 CA 4.45 99106455 Jan 10 Jan 10 WMV*MATCH.COM 500-926-2824 TX 24.99 000100023246276 Ssrvicos Dec 13 Dec 14 YAHOO *PERSONALS 866-458-8744 CA 39.95 91413816 Dec 14 Dec 14 EHARMONY.COM PASADENA CA 49.95 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.01 bl b%; corresponding ANNUAL PERCENTAGE RATE: 5.90Yo. Rate is subject to the terms of the offer including expiration. Cut back on mailbox clutterl Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Make-A-Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit Wish.org ~V~~t. ~.V ~Qt I ~~ r ' w Account number ending in 1547 ~ DISC~~~V_ ER'_.~ Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. _- -. Sign up today at Discover.com/paperless R~ ~.+ar ~r ~ ..s~, a~('~.~..-~-. 82009 Discover bank, Member FDIC Closing Date: January 13, 2U07 page 2 of 3 Visit ShopDiscover at Discovercard.com/shop to earn additional Cashback Bonus(R) when you shop online. You will find great offers from retailers like Barnes and Noble, FTD, Magazines.com and morel Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE :PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES C G S CHARGES current billing period: 31 days Purchases $1282.98 0.04997% 18.24% V 18.24% $19.88 $0 Cash Advances $0 0.057513'° 20.993'° F .20.999'° $0 $0 Balance Transfers $1610.16 0.049979'° 18.2d% V 18.24% $24.94 $0 Ths rates that aQply to ~rour gccount sts~- ~(tfltr, fixed (F~ or they may vary (V) as noted above. QUest10i1S? Manage your account at Discover.com or ®~r7C `SCn dosing uare• ~•~~-~~~ CR I Jpnuary 13, 2007 Accountvnumber ending in 1547 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: March 13 Balance Previous Cashback Bonus Award Balance ' $ 42.24 Purchase Award This Period + 0.65 Cash ack Bonus Awar Tota ~ 42.89 Cashback Bonus Award Balance 42.89 Award Available to Redeem $ 40.00 Rsstr~etigis: appl to th* C~shboek 9onus Partri~r ofF•rs visit Diuswr.cotn er call: 1.800•DId~ArER (1.800.347.2683) For ditai s. For pro~ram alai s, see the Cashback Bonus Program Perms and Conditions. ~~~~r~ • ~~ $2,928.40 -- 13 SOSN6A01 0002908 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ......._.... _,..._.,. ___I . ,_,.....,,....,,...,....,.,..,.,y ,,. ..,~. $61.00 ~J Enter Amount Enclosed Below Payment Due Date March 12, 2007 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Illrnllruurllnll~~ll~rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeZ Print change in space I~~'i'liil~i~~~'~~~~I~~f~~~~~II'I~~~I~~I~~I~~'I~~I~~I~~I~I~~II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638029284000075000006],00 Discover Platinum Card Account Summary Closing Date: February 13, 2007 page 1 of 2 Account number ending in 1547 Previous Balance $2,792.d4 Payment Due Date March 12, 2007 Payments And Credits - 75.00 Minimum Payment Dve $b1.00 Purchases + 165.92 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $7,071.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges __ ___ _ J + 45.04 Cash Credit Available $5,000.00 New Balance _ _ , = $2,928.40 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banus® Opening Cashback Bonus Balance $ 42.89 New Cashback Bdnus This Period + 0.83 Cashback Bonus Balance $ 43.72 Cashback Bonuses Since Anniversary Month March: $29.47 CONGRATULATIONSI Your Cashback Bonus(R( is waiting for you. Visit Discovercard.com or call 1-800.DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel YOU 1. Visit Discovsr.<om to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1.800-DISCOVER (347.2683) for Fast, easy self-service options or to speak with n Customer Service Account Manager Please hove your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For 7DD (assistance for hearing impaired) see reverse side Salt Lake City,', UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and CrodBs Feb 7 Feb 7 PAYMENT -THANK YOU $ -75.00 Merchandise/Retail Jan 18 Jan 18 PAYCOM.NET 800.893.8871 CA 9.95 lO1b24168 Feb 9 Feb 9 WMV*MATCH.COM 800.926.2824 TX 29.99 000100024762505 Gasol'ms Feb 8 Feb 8 SHELL 04091004099932 WHITEHALL PA 36.08 Services tan 13 tan 14 EHARMONY.COM PASADENA CA 49.95 Jan 13 Jan 14 YAHOO *PERSONALS 8bb-458.8744 CA 39.95 94048240 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.016163'0; corresponding ANNUAL PERCENTAGE RATE: 5.909'0. Rate is subject to the terms of the offer including expiration. DISC~~~VER ~~SCVER Accountvnumber ending in 1547 Get added security with no paper trail Make your account information more secure with ' !. password-protected statements that only you can access. ' • Access up to 2d months of downloadable, printable statements. ;! + See your statement as soon as it's available rather than wait for it io arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. ----- • Print a paper copy of your statement anytime. -~ ~~: Sign up todoy at Discovercotn/paperless X2009 Discover Bank, Member FDIC Closing Date: February 13, 2007 page 2 of 2 Use yaur Discover(R) Card to make a $100 donation to The Statue of LibertyEllis Island Foundation, Inc. and you can have the name of someone you care about engraved on The American Immigrant Wall of Honor(R), built to celebrate freedom and commemorate American Dreams. For more information log on to Discovercard.com Put your home's equity to good use ...with smart home equity Financing from Discover Home Loans. We offer a Full range of home equity credit line options at low rates -apply online at Discoverhomelonns.com and get a response in just 30 seconds) Please reference invitation number DCS207207N when you apply. As a Discover Cardmember, you get the most comp-ete set of travel benefits offer',ed by a no-annual-fee credit card. From 5°/a Cashback Bonus(Rj to complete travel protection, Discover Card has your travel needs covered. Visit Discovercard.com for more details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL 'ANNUAL ' Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES i RATES CHARGES CHARGES current billing period: 31 days ~i Purchases $1441.78 0.049973'° 18.24% V 118.2496 $22.3d $0 Cash Advances $0 0.05751 % 20.99°'° F 120.993'° $0 $0 Balance Transfers $1465.85 0.04997% 18.243'° V ' 18.24% $22.70 $0 The rates that apply to your Ac count on either fixed (F) or they may vary (V) as nbted above, QUeSt1a17S? Manage your account at Discover.com or B/~a~~rFV~I'~ $254.92.._.. 13 SDSN6A01 0002909 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $15.00 ~r ~ Enter Amount Enclosed Belowv" Payment Due Date $ April 12, 2007 Please make check payable to Discover Platinum Card or pay online ®Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~"'~~"""~~"~~"~~"~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space )i~f~Il~~'~~~)~Il~~i~~~li~~~~'~I'~~~'~i'~~I~~II~~I~~I~~I~I~~II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OOD0019864587415716380D2549202928400001500 Discover Platinum Card Account Summary Closing Date: March 13, 2007 page 1 of 2 Account number ending in 1547 Previous Balance $2,928.40 Payment Due Date April 12, 2007 Payments And Credits - 2,928.40 Minimum Payment Due $15.00 Purchases + 219.46 Credit limit $10,000.04 Cash Advances + 0.00 Credit Available $9,745.00 Balance Transfers ; + 0.00 Cash Credit Limit $5,000.00 Finance Charles _ + 35_46 Cash Credit Available $5,000.00 _ _ New Balance _ ___ _ _ = $254.92 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. COSI1bgCIC Bcnu$® Opening Cashback Bonus Balance $ 43.72 New Cashback Bonus This Period + 1.10 Cashback Bonus Balance $ 44.82 Cashback Bonus® Since Anniversary Month March: $30.57 CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800-DISCOVER (1-800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We H l Y ? 1. visit oiscaver.ccm to pay your bill for no cost, view your e ou P latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800•DISCOVER (347-2683) for Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 gaud LfabFlfty Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Mar 1 1 Mar 1 1 PAYMENT -THANK YOU $ -2,928.40 Merchandise/Retail Feb 18 Feb 18 PAYCOM.NET 800.893.8871 CA 9.95 10412b311 Mar 1 1 Mar 1 1 WMV*MATCH.COM 800.926-2824 TX 29.99 000100026216894 Restaurants Mar 5 Mar 5 APPALACIAN BREWING COM CAMP HILL PA 89.62 Services Feb 13 Feb 14 EHARMONY.COM PASADENA CA 49.95 Feb 13 Feb 14 YAHOO *PERSONAIS 866-458.8744 CA 39.95 9b957870 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.016169'e; corresponding ANNUAL PERCENTAGE RATE: 5.909'0. Rate is subject to the terms o4 the offer including expiration: Manage your account your way -whether you prefer to speak with a live person or manage it on your own, Discover(R) ~t~G~VER ~~ rr,rr~ r~ ., ... ,..,... ,..._, , . DISCVER Account number ending in 1547 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 downloadabie, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. -.. Sign up today at " ` Discovercom jpaperless ©2009 Discover flank, Member FDIC Closing Date: March 13, 2007 page 2 of 2 Get the flexibility of a home equity credit line with the certainty of a fixed-rate loan! The new Discover Home Equity line of Credit is guaranteed never to increase more than 1.50 percentage points over your initial rate during the first 5 years. Apply online at Discoverhomeloans.com today. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUM Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $1277.85 0.04947% 18.249b V 18.249e $17.88 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $125b.47 0.0499790 18.249'° V 18.2490 $17.58 $0 Thy ratrN that apply to your MesuM errs •ith~r Flmd If) or Choy mdy vary (V) as notdd above. QUeStlOnS? Manage your account at Discover.com or l UIJLVtK ss,ia%zs-- 13 SDSN6A01 0002910 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSHURG PA 17055-5355 .........._.... _,..... ...... ........................, ,,....,.,y ~~~ ...~. $56.00 ~ Enter Amount Enclosed Below Payment Due Date Moy 12, 2007 please moke check payp ble to Discover Platinum Card or pay online ~ Discovercord.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~rrr~~~~~rr~~~~~~~~~~~~~~ CHARLOTTE NC 28272-1084 Address, a-mail or telephone change$ Print change in space 'ii~i~~ii~~~i~i~~~~i~ii~~~i~~'III~~~I~~I~~l~~l~~~'~~~i~~~l~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OD0001986458741571638D274722DD1DODODOD5600 Discover Platinum Card Account Summary Closing Date: April 13, 2007 page 1 of 2 Account number ending in 1547 Payment Due Date May 12, 2007 Minimum Payment Due $56.00 Credit Limit $10,000.00 Credit Available $7,252.00 Cash Credit Limit $5,000.00 Cash Credit Available $2,b00.00 Previous Balance $254.92 Payments And Credits - 100.00 Purchases + 79.89 Cash Advances + 2,400.1 1 Balance Transfers + 0.00 finance Charles V 1 12.30 ± __`__ New Balance __ _ - ___- _ _-_ _._ = $2,747.22 You may be able to avoid Periodic Finance Charges, sea the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 44.82 New Cashback Bonus This Period + 0.20 Cashbock Bonus Balance $ 45.02 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800-DISCOVER (1-800-347.2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel YOU? 1 • Visit Diuovencom to pay your bill for no cost, view your P latest Account informasion, earn and redeem rewards and more ft's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For Fast, easy selFserviee options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Dnte Payments and Credits Apr 7 Apr 7 PAYMENT -THANK YOU $ -100.00 Merchandise/Retail Apr 10 Apr 10 WMV*MATCH.COM 800.926.2824 TX 29.99 000100027594006 Services Mar 13 Mar ld YAHOO *PERSONALS 866-458.8744 CA 39.95 49521852 Mar 18 Mar 18 PAYCOM.NET 800-893-8871 CA 9.45 lObb1330b Cash Advances Mar 13 Mar 14 CASH ADVANCE CHECK #5005 1,000.00 Mar 13 Mar 14 CASH ADVANCE TRANS fEE FINANCE CHARGE 30.00 Mar 30 Mar 30 CASH ADVANCE CHECK #0082 1,400.1 1 Mar 30 Mar 30 CASH ADVANCE TRANS FEE FINANCE CHARGE 42.00 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate; 0.016163'0; corresponding ANNUAL PERCENTAGE RATE: 5.90ga. Rate is subject to the terms of the offer including expiration. ®ISCiiER rt pays ro . ~ ....~ ...,, ...... D~SC~yER Account number ending in 1547 Get added security with no paper trail Moke your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at ': j Discovercom/paperless !. RC; flfli ~ ., '. 02009 Discover B°nk, Member FDIC Closing Date: April 13, 2007 page 2 of 2 Build rewards faster when you use ShopDiscover to shop far Spring) Earn 5%Cashback Bonus and more at tap online retailers such as Macys.com, Apple.com, and DicksSportingGoods.com when you link through ShopDiscover at Discovercard.com/shop Through generous Cardmembers {ike you, Discover(R) Card has donated more than $15 million to the Make-A-Wish Foundation(R). Consider contributing your Cashback Bonus to the Make-A-Wish Foundation to help make a child's dreom come true. To further your donation, Discover will add an additional 20%. Visit www.discovercard.com or www.wish.org Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ale ces Rates RATES .RATES CHARGES CHARGES current billing period: 31 days Purchases $275.19 0.049973 18.24° V 18.243 $4.26 $0 Cash Advances $1740.67 0.06299% 22.999'° F 52.99% $33.99 $72.00 Balance Transfers $13.73 0.049979'° 18.24% V 18.249'° $0.21 $0 previous billing period: 28 days Purchases $131.17 0.049979'° 18.249'° V 18.249'° $1.84 none Tha rfat~t that ap~ty io year ;it3e®unt era either Fixed (F) er thry may vary (V) as notrad above. QUeSt10nS? Manage your account at Discover.com or 13 SDSN6A01 0002911 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ....~~~.. w... ...~. u... ,, v..o r-.wvvw .vvnwoi enuniy ui ~a~• $90,00 J Enter Amount Enclosed Below Payment Due Date lune 12, 2007 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special oFfers. PO BOX 71084 ~~~~~~~~~r~~~~~~~~~~~~~~~~~ CHARLOTTE NC 28272-1084 ~u~~~~n~ui~~~~ni~u~r~ni~~~~nr~n~n~u~~n~n~n~r~n~~ 000001986458741571638045440500145000009000 Discover More Card Account Summary Closing Date: May 13, 2007 page 1 of 2 Account number ending in 1547 Previous Balance $2,747.22 Payment Due Date June 12, 2007 Payments And Credits - 145.00 Minimum Payment Due $90.00 Purchases + 79.89 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $5,455.00 Balance Transfers + 1,750.00 Cash Credit limit $5,000,00 Finance Charles _ + 111.94 Cash Credit Avoilable $2,600.00 New Balance _ _ _ _ $4,544.05 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashback Bonus Balance $ 45.02 New Cashback Bonus This Period + 0.20 Cashback Bonus Balance $ 45.22 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800.DISCOVER (1-800-347.2683 to get your share of America's #1 Cash Rewards Program. How Can We Hel YOU? 1 Visit Discover.4am to pay your bill For no cost, view your I~ latest Account :information, earn and redeem rewards and more ft's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347.2683) For fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits May b May b PAYMENT -THANK YOU $ -145.00 Merchandise/Retail May 10 May 10 WMV*MATCH.COM 800.926-2824 TX 29.99 000100028946543 Services Apr 17 Apr 17 YAHOO *PER$ONALS 866.458-8744 CA 39.95 102235796 Apr 18 Apr 18 PAYCOM.NET 800.893.8871 CA 9.45 109270073 Balance Transfers Apr 17 Apr 17 BALANCE TRANSFER CHECK 0388 1,750.00 Apr 17 Apr 17 BAL TRANS TRANSACTION FEE FINANCE CHARGE 52.50 APR 5.903a EXPIRES O1 /20110 Information For You Earn 5%Cashback Bonus and more at these new online retailers) ShopDiscover has just added more top online retailers such as Kohls.com, AnnTaylorLoN.com, PetSmart.com and American Eagle (AE~comJ, to an already great se{ection so you can build rewards faster. Visit ShopDiscover at Discovercard.com/shop and stgrt shopping today) Your Discover(R~ Card has you covered with Complete Fraud Protection for your peace of mind. Our advanced fraud ®tSCVER 1 n pays ro ~ ~ .-~ ~~ ....,, ~...." ~ . Q~rJC;<~yE~ f Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. `,' Sign up today at ~-' ` Discovercom/paperless ~r ~ .,.--.. c02009 Discover Dank, Member FDIC Closing Date: May l3, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $252.86 0.04997% 18.24% V 18.24% $3.78 $0 Cash Advances $2529.12 0.06299q° 22.99% f 22.99% $47.79 $0 Balance Transfers $1625.65 0,016169'0 5.90% F 41.399'° $7.87 $52.50 Balance Transfers $0.15 0.049979'° 18.24% V 18.249'° $0 $0 The rain thN apply to your Aceount ars either fixed (F) or they may vary (V) as noted above. QueStlonS? Manage your account at Discover.com or VIJ~.f.~;~btaC $5,295.66 13 SDSN6A01 0002912 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $105_00 y~ v V V v Enter Amount Enclosed Below y" Payment Due Date July 12, 2007 please make check payable to Discover Card or pay online t~ Discovercard.com. Address, a-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account inFormaiion and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 IIIIIIIII IIIIII~11'~11'~11~ CHARLOTTE NC 28272-1084 IIIIIIIIIIIII~I~IIIIIIIIIIIIIIII'lll'l1lll~ll~lll~llllllllllll 000001986458741571638052956600135000010500 Discover More Card Account Summary Closing Date: June 13, 2007 page 1 of 2 Account number ending in 1547 Previous Balance $4,544.05 Payment Due Date July 12, 2007 Payments And Credits - 135.00 Minimum Payment Due $lOS.00 Purchases + 39.94 Credit Limit $10,000.00 Cash Advances + 750.00 Credit Available $4,704.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charles ___^_ _`_ _ + _ 96.67 Cash Credit Available $1,850.00 New Balance = $5,295.66 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 45.22 New Cashback Bonus This Period + 0.10 Cashback Bonus Balance $ 45.32 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800.DISCOVER (1-800.347.2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel YOU? P 1 • Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more ft's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) For Fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Wrife us at Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Jun 13 Jun 13 PAYMENT -THANK YOU $ -135.00 Merchandise/Retail Jun 9 tun 9 WMV*MATCH.COM 800.926.2824 TX 29.99 000100030301716 Services May 18 May 18 PAYCOM.NET 800-893-8871 CA 9.95 111763004 Cash Advances May 21 May 21 CASH ADVANCE CHECK #0087 750.00 May 21 May 21 CASH ADVANCE TRANS FEE FINANCE CHARGE 22.50 Information For You Soon we'll no longer be printing your full account number on your statement. It's just another way to keep your information safe. But of course, if for any reason you need your Full account number, it'll still be right there on your card. Build rewards faster with top online retailers such as Target.com, DicksSportingGoods.com, LandsEnd.com, iTunes.com and many more when you link through ShopDiscover. Just visit Discovercard.com/shop to see our Full listing of online retailers! Get S9a Cashback Bonus(R) from July through September on gas, hotels, and admission to theme parks, water parks, DISCOVER rr pays ro , ~ .-„~ ....., ~..... D~SC`vER Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. _~ , ,I ''~ Sign up today at '' Discover.com/paperless i ~~`~4 ~I. .~, :~.-, u2009 Discover bank, Member FDIC Closing Date: June 13, 2007 page 2 of 2 Congratulations to the 2007 National Discover[R) Cord Tribute Award[R) Scholarship winners: Shanna Decker, Karlynda Johnson, July Lee, Emily Lester, Kathleen McGlynn, Eric Ndikumana, Danica Samuels, Kelsey Tainsh, Kelly Wolfe and Stephanie Wong. Each won $27,500 for post high-school education or training. Visit Discovercard.com/tribute to learn more. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $194.70 0.049979'° 18.24% V 18.24% $3.02 $0 Cash Advances $3180.59 0.062999'° 22.99°`° F 31.91% $62.10 $22.50 Balance Transfers $1810.40 0.01616° 5.909'° F ' 5.909'° $9.05 $0 8olance Transfers $0 0.049973'° 18.24% V 18.249'° $0 $0 Thy rags that t1~Rly t0 yoer AI$6sunt art either fixed (F) ar ih~y mny vary (VJ as net•d above. QUe51'IOnS~ Manage your account at Discover.com or I~I.~~~:,,.~V~~ S5,126.33VV 13 SDSN6AO1DOD2913 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $102.00 ____~ Enter Amount Enclosed Below Poyment Due Date $ ~-~~ August 12, 2007 Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 III"'~~"""~~rrllr~ll"~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I~~I~Il~~li~~l~ll~~~l~il~l~~~llll~rilrrlrrlr~lli~lrrlirlrliill above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458741571638051263300285000010200 ... Discover More Card Account Summary Closing Date: July 13, 2007 page 1 of 2 Account number ending in 1547 Previous Balance' $5,295.66 Payment Due Date August 12, 2007 Payments And Credits - 285.00 Minimum Payment Due $102.00 Purchases + 39.94 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $4,873.00 Balance Transfers... + 0.00 Cash Credit Limit $5,000.00 Finance Charges 75 J3 + Cash Credit Available $1,850.00 _ ~ ~ New Balance _ _ _ _ $5,126.33 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashba<k Bonus Balance $ 45.32 New Cashback Bonus This Period + 0.10 Cashback Bonus Balance $ 45.42 Cashback Bonus® Anniversary ~' - Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit ', Discovercard.com or call 1-800-DISCOVER (1-800.347.2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel YOU? p 1. Visit Diseover.com to pay your bill for no cost, view your l t A i f d d d d It's your choice - 3 ways to hel ates ccount ormation, earn an n re eem rewar s an more 2. Call 1-800-DISCOVER (3.47-2683) for fast, easy self-service p Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) sea reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 30 Jun 30 PAYMENT -THANK YOU $ -285.00 Merchandise/Retail Jul 9 Jul 9 WMV*MATCH.COM 800.926-2824 TX 29.99 000100031-630788 Services Jun l8 Jun 18 PAYCOM.NET 800.893.8871 CA 9.95 115362800 Information For Yov Soon we'll no {onger be printing your ful- account number on your statement. It's just another way to keep your information safe. But of course, if for any reason you need your full account number, it'll still be right there on your card. Build rewards Faster with top online retailers such as Targef.com, DicksSportingGoods.com, CircuitCity.eom, Sears.com and many more when you fink through ShopDiscover. Just visit Discovercard.com/shop to see our full listing of online retailers) Manage your account your way -whether you prefer to speak with a live person or manage it on your own, Discover(R) DISCVER ~~SC~~,^V~R Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. {Sign up today at !'~ Discover.cotn/paperless X2009 Discover flank, Member FDfC Closing Date: July l3, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%;i:orresponding ANNUAL PERCENTAGE RATE: 5.909'°. Rate is subject to the terms of fhe offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES 'RATES CHARGES CHARGES current billing period:. 30 days Purchases $238.05 0.04997% 18.24% V 18.24% $3.58 $0 Cash Advances $3419.62 0.062999'° 22.99° F 22.99% $bd.b2 $0 Balance Transfers $1555.21 0.01616% 5.909'° F 5.909b $7.53 $0 Balance Tronsfers $0 0.04997% 18.2d% V 18.249'° $0 $0 T~ri rgtes that . oto ly tg your Aceount are either fixed IF) or they may vary (V) as nAted above. QUeStlOns? Manage your account at Discover.com or v~,~r~~V tK $5,325.94 13 SDSN6A01 0002914 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $238.00 -r ~ / Vv I' Enter Amount Enclosed Below V~~ Payment Due Date September 12, 2007 'please make check payable to Discover Card. Minimumpaymenf due includes a past due amount of $102.00. Go paperless and make your account "information more secure with password- protected statements only you can access. '..,Learn more at discoveccomlpaperless. PO BOX 71084 ~~~~~r~~~rrrr~~~~r~~r~~~~~) CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space )i~)~')~~)+ii)~')~~~I~~)~I~~~I)))~~~)~~I~~)~~))~~)~i)~~)~I~~II above, or go to Discover.com. Print your a-mail address to receive important Account information and special ofFers. OD000198b4587415716380532594D000DD00Q238DD I Discover More Card .Account Summary Closing Date: August 13, 2007 page 1 of 2 Account number ending in 1547 Payment Due Date September 12, 2007 Minimum Payment Due $238.00 Credit Limit $10,000.00 Credit Available $4,674.00 Cash Credit Limit $5,000.00 Cash Credit Available $1,850.00 Previous Bolonce $5,126.33 Payments And Credits - 0.00 Purchases + 78.94 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges ± 120.67 _~_---.-.------- New Balance --- -. ----------- $5,325.94 You may be able Jo avoid Periodic Finance Charges, see the reverse side for details. Cashback Banus® Cashback Bonus® Anniversary Month: March Opening Cashback Bonus Balance $ 45.42 New Cashback Bonus This Period + 0.10 Cashback Bonus Balance $ 45.52 How Can We Hel YOU? 1 • Visit Discoveaeom to pay your bill for no cost, view your p latest AccountlinFormation, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800.D1$COVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3, Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City,:'UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. irons. Post Date Date 'i Merchandise/Retail Aug 8 Aug 8 WMV*MATCH.COM 800-926-2824 TX $ 29.99 000100032977086 Other/Miscellaneous Aug 13 Aug 13 LATE FEE 39.00 Services Jul 18 Jul 18 PAYCOM.NET 800-893-8871 CA 9.95 117836706 4 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amoiunt now, or contact us to make other arrangements. ~ j DtSCC~VER u pays to ............,, r....... ~~SCyER ~ Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 2d months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. Sign up today at Discovercom/paperless r ~; ~_ cr~200a Discover bank, Member FDIC Closing Date: August 13, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.071213'0; corresponding ANNUAL PERCENTAGE RATE: 25.999'°. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ;ANNUAL Periodic Fee Daisy Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE 8-41~pS~3 Rates RATES ~; RATES CHARGES ~l1ARGE5 current billing period: 31 days Purchases $283.69 0.07121q° 25.99% F Cash Advances $3493.12 0.076689'° 27.49% F Balance Transfers $0 0.07121 % 25.99% F Balance Tronsfers $1422.08 0.07121 % 25.999'° F to your Ae6cunt ar+t ~ithsr fixed (F) or thry may vary (V) as 25.99 % $6.26 $0 27.999'° $83.03 $0 25.99% $0 $0 25.999'° $31.38 $0 rt~d ebevt-, QUeSt10nS? Manage your account at Discover.com or VIJC.Y tK $4,785.99 L $135.00 -~ r ~ Enter Amount Enclosed Below V'. Payment Due Date $ October 12, 2007 Please make check payable to Discover Card or pay online ~ Discovercard.com. 13 SDSN6A01 0002915 HITCHIN6S, JOSEPH L 2413 COPE DR MECHANICSBUR~ PA 17055-5355 Address, e-mail or telephone changeB.Print change in space above, or go to Discover.com. Print your a-mail address to Go paperless and make your account 'information more secure with password- ','protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illurlinunllnllullul CHARLOTTE NC 28272-1084 i~~I~II~~Ir~J~ILrrI~~I~L~~IIII~~~i~Jr~L~II~J~J,~I~L~iI receive important Account information and special offers. 00000198645874157163804785990040000D'01350D Discover More Card Account Summary Closing Date: September l3, 2007 page 1 of 2 Account number ending in 1547 Payment Due Date October 12, 2007 Minimum Payment Due $135.00 Credit Limit $10,000.00 Credit Available $5,214.00 Cash Credit Limit $5,000.00 Cash Credit Available $1,850.00 Previous Balance $5,325.94 Payments And Credits - 679.00 Purchases + 19.95 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Char es ± 1 19_10 _Y_____ New Balance ___!__ __..__. _._ = $4,785.99 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 45.52 New Cashback Bonus This Period + 0.02 Cashback Bonus Balance $ 45.54 Cashback Bonus® Anniversary - - Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800•DISCOVER (1••800.347.2683) to get your share of America's #1 Cash Reyrards Program. How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for Fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dats Payments and Crodits Aug 21 Aug 21 PHONE PAYMENT - THANKIYOU $ -45.00 Aug 22 Aug 22 IATE CHARGE REFUND -39.00 Aug.23 Aug 23 ..PAYMENT..- THANK YOU -195.00 Sep 8 Sep 8 PAYMENT -THANK YOU -400.Q0 Other/Miacsllansous Aug 21 Aug 21 PAY BY PHONE PROCESSING FEE - DBT 10.00 Services Aug 18 Aug 18 EPGCH.COM 800-PAYCOM66*CA 9.95 DISCOVER .r ~y ro DISCOVER I Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it fo arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ~. k-_. i',. ~~' ? Sign up today at Discover.com/paperless ,; ~ ~~~~ ~>. MY I A`b~i X2009 Discover Dank, Member FDIC Closing Date: September 13, 2007 page 2 of 2 current billing period: 31 days Finance Charge Summary Balance Transfer offer For current billing period: Daily Periodic Rate: 0.054779'°; corresponding ANNUAL PERCENTAGE RATE: 19.999'°. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rotes RATES RATES CWARGES CHARGES Purchases $342.64 0.07121 ~° 25.99°'° F 25.99°/ $7.56 $0 Cash Advances $3577.12 0.07668°r6 27.9990 F 27.9996 $85.03 $0 Balance Transfers $0 0.071219'° 25.999'° F 25.99% $0 $0 Balance Transfers $1201.68 0.07121°° 25.99% F 25.99% $26.51 $0 The rata that apply to relrar Aeaeunt an either Fi><e+al (F) or they mrJy verq (V) as noted abts~e. QUeStlonS? Manage your account at Discover.com or .. .. _ 91i~C.V tK 5a,a52,ei - I sis~.oo.. _,. _. Payment Due Date November 12, 2007 13 SDSN6A01 0002916 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBUR6 PA 17055-5355 Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below $ (~ Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 111"'1l"""11"11"11"1 CHARLOTTE NC 28272-1084 i~~1~i1~~1~~~1~11~~~1~~1~1~~~llll~~~l~~l~~l~~ll~~l~~i~~l~l~~ll OD0001g8b4587415716380445261D045000D012200 Discover More Card Account Summary Closing Date: October 13, 2007 page 1 of 2 Account numbet ending in 1547 Previous Balance $4,785.99 Payment Due Date November 12, 2007 Payments And Credits - 450.00 Minimum Payment Due $122.00 Purchases + 9.95 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $5,547.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges _ ___ ____ _ __ _____ ____ _ _+____ 106.67 Cash Credit Available $1,850.00 New Balance = $4,452.61 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 45.54 New Cashback Bonus This Period + 0.02 Cashback Bonus Balance $ 45.56 Cashback Bonus® Anniversary Month: March How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired] see reverse side Salt Lake City,',UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Oct 5 Oct 5 PAYMENT -THANK YOU $ -450.00 Services Sep 18 Sep 18 EPOCH.COM 13106645810 CA 9.95 Information For You Shop online, build rewards. Earn 5°f° to 20%Cashback Bonus at top online retailers such as Sears.com, CircuitCity.com and Drugstore.com through ShopDiscover. Just visit Discovercard.comjshop today! Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.0161 b%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE aB lances Rates RATES RATES CHARGES C GES current billing period: 30 days Purchases $352.21 0.0712196 25.99% F 25.99% $7.53 $0 Cash Advances $3661.72 0.076689'° 27,999'° F 27,99% $84.23 $0 Balance Transfers $0 0.071219'° 25.9996 F 25.99°io $0 $0 Balance Transfers $698,01 0.07121 q° 25.99% F 25.99% $14.91 $0 The rates that apply to your Account are eith er fixed (F} or they may vary (V) as noted above, Wish you could sort these purchases by amount, description or category2 You can -register at Discovercard.com to view ~~SCVEI< ~wsmg vane: ~~.,~ ~,~..,.,,,..,.~~ October 13, 2007 Account number ending in 1547 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: March 13 Balance Previous Cashback Bonus Award Balance $ 45.54 Purchase Award This Period + 0.02 Cash ack Bonus Awar Total 45.56 Cashback Bonus Award Balance 45.56 Award Available to Redeem $ 40.00 phieNona apply to the Cgshi~ek ®enus Fart 1r offers visit Direpwncom or call 1-8b0-DI~G~VkR it •900.347-2b83) for etails. For program details, see the Cashbac~ Bonus program Terms and Conditions. _.. __.._..__ .........._.... _,..._.....__ ,.__.....,, ,,....,.,.., .,,,..,,.a ,,, ..,~. (~ f,`,V t~'( $A,375.51 $118.00 ~~ Enter Amount Enclosed Below Payment Due Date $ December 12, 2007 please make check payable to Discover Card or pay online f~ Discovercard.com. 13 SDSN6A010002917 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 Address, e-mail or telephone change8 Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discoveccomlpaperless. PO BOX 71084 ~~~"'~~"""~~"~~"~~"~ CHARLOTTE NC 28272-1084 ~n~~~~u~in~i~~ni~u~i~ni~~~~ui~n~u~n~~n~u~u~i~n~~ 0000019864587415716380437551001900011011800 Discover More Card Account Summary Closing Date: November 13, 2007 page 1 of 1 Account number ending in 1547 Previous Balance $4,452.61 Payment Due Date December 12, 2007 Payments And Credits - 190.00 Minimum Payment Due $1 18.00 Purchases + 9.95 Credit Limit $10,000.00 Cnsh Advances + 0.00 Credit Available $5,624.00 Balance Transfers + 0.00 Cash Credit Limit $5 000.00 Finance Charges 102.95 + Cash Credit Avoilable , $1,850.00 __ __ ____ ___ _ New Balance ___ _ __ _ _ _ = $4,375.51 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 45.56 New Cashback Bonus This Period + 0.02 Cashback Bonus Balance $ 45.58 Cashback Bonvs® Anniversary Month: Marcfi CONGRATULATION51 Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1.800-DISCOVER (1.900.347.2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more lt's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy selFservice Please have our Discover Card available. options or to spook with o Customer Service Account Manager y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crsdih Oct 23 Oct 23 PAYMENT -THANK YOU $ •190.00 Servicss Oct 18 Oct 18 EPOCH.COM 13106645810 CA 9.95 Finance Charge Summary Nomina{ Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $370.04 0.07121% 25.99% F 25.99% $8.16 $0 Cash Advances $3748.34 0.07668% 27,99% F 27.99°~ $89.10 $0 Balance Transfers $0 0.07121% 25.99% F 25.99% $0 $U Balance Transfers $258.08 0.071219'° 25.993'° f 25,99% $5.69 $0 The rates that apply to your Account an either fined (F) or they may vary (V) as itiated above Wish you could sort these purchases by amount, description or eategory2 You can -register at Discovarcard.com to view ~• DISCOVER 'sa,';aa.ii"` 13 SDSN6A01 0002918 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ..,,....~..,... ,.~,~.,..,, ...... ,,.,,.,,.,~~....,~.~,..,~ ,,.,,....y .~~ ...~. $115.00 Enter Amount Enclosed Below Payment Due Date $ January 12, 2008 Please make check payable To Discover Card or pay online ~? Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 I~lurllnnullnllnllnl CHARLOTTE NC 28272-1084 Address, e-mail or Telephone changeZ Print change in space I~~li~l~~l~~~~~ll~~~'~~I~I~~~IIII~~~li~li~'~~II~~I~~I~~I~I~~I' above, or go to Discover.com. Print your e-mail address to receive important Account information and special ofFers. ODD001986458741571638D418471003D000Od11500 Discover More Card Account Summary Closing Date: December 13, 2007 page 1 of 1 Account number ending in 1547 Previous Balance ' $4,375.51 Payment Due Date January 12, 2008 Payments And Credits 300.00 Minimum Payment Due $115.00 Purchases. + 9.95 Credit Limit $10,000.00 Cash Advances ', + 0.00 Credit Available $5,815.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Char es + 99.25 Cash Credit Available $1,850.00 _ _ New Balance $4,184,71 You may be able tol.avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening CashbacklBonus Balance $ 45.58 New Cashback Bq us This Period + 0.02 Cashback Bonus lance $ 45.60 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback ~ . Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER it (1.800-347-2683) to get your share of i America's #1 Cash Rewards Program. ' How Can We Hel YoU? P 1 ~ Visit Discover.com to pay your bill for no cost, view your l atest Account irVformation, earn and redeem rewards and more Itrs your choice - 3 ways to help 2. Call 1-800-DISGtOVER (347-2683) For fast easy self-service Please have your Discover Card available. ~ , options or to speak with a Customer Service Account Manager 3. Write us at Disepver Card PO Box 30943 For TDD assistance For hearin im aired see reverse side ( g P ) , , Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Paymsnts and Crodits Dec b Dec b PAYMEN T • THANK YOU $ -300.00 Services Nov 19 Nov 19 EPOCH.COM 3106645700 CA 9.95 finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAI Periodic Fee Daily Periodic nces Rates PERCENTAGE ;PERCENTAGE FINANCE FINANCE RATES RRATES CHARGES CHARGES current billing period: 30 days Purchases $362.54 0.07121° 25.99 F '25.99% $7.72 $0 Cash Advances $3836.99 0.07668% 27.993'° F ' 27.99% $88.27 $0 Balance TransFers $0 0.07121 a 25.99% F ~ 25.99% $0 $0 Balance Transfers $152.64 0.071213'° 25.999'° F '..25.99% $3.26 $0 The rata that apply to year Account are slther Hied (F) or they may vary (V) as noted above. (,)'~~,,V CK $3,585.52 13 SDSN6A01 OOD2919 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ......_.. _ ...,_. ...........................,a .,. ..,-.. $106.00 _,~' Enter Amount Enclosed Below Payment Due Date $ February 12, 2008 please make check payable to Discover Card or 's pay online ~ Discovercard.com. 'Go paperless and make your account 'information more secure wrth password- ',protected statements only you can access. (Learn more at discoveccom/paperless. Address, e-mail or telephone change8 Print change in space above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. PO BOX 71084 III..rll""rrllr.ll..Il"I CHARLgTTE NC 28272-1084 I~~I~II~~l~ti~l~ll~~~l~~l~l~~~llll~~~l~~l~~l~~ll~~l~~l~~l~l~~ll 0000019864587415716380358552007000001110600 Discover More Card Account Summary Closing Date: J Account number ending in 1547 Previous Balance Payment Due Date February 12, 2008 Payments And Cn Minimum Payment Due $106.00 Purchases Credit Limit $10,000.00 Cash Advances Credit Available $6,414.00 Balance Transfers Cash Credit Limit $5,000.00 finance Char es Cash Credit Available $1,850.00 New Balance You may be able reverse side for d uary 13, 2008 page 1 of 2 $4,184.71 is - 700.00 + 9.95 + 0.00 + 0.04 + 90.86 --- ---- = 3,585.52 avoid Periodic Finance Charges, see the Cashback Bonus® Cashback Bonus® Anniversary Month: March Opening CashbackC Bonus Balance $ 45.60 New Cashback Bonus This Period + 0.02 Cashback Bonus Balance $ 45.62 How Can We Help You? 1 • Visit Discover.~'om to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selFservice options or to s~eak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at DiSi:over Card, PO Box 30443, for TDD (assistance for hearing impaired) see reverse side Salt Lake City, I!UT 84130 Transactions Payments and Credits .SerVKeS $0 fraud Liability Guarantee Use your Discd{~er Card with confidence. Trans. Post ;~ Date Date Dec 27 Dec 27 PAYMENT -THANK YOU $ -700.00 Dec 19 Dec 19 EPOCH.COM 310664581 9.95 Information For You Shop online, build rewards. Earn 5°I° to 20% Cashback Bonus at top online retilers such as JCPenney.com, GNC.com and Royal Caribbean International(R} through ShopDiscover. Just visit Discovercard:' om/shop todayl Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01 bl b` RATE: 5.90%. Rate is subject to iha terms of the offer including expiration. Nominal Average Daily ANNUAL Daily Periodic PERCENTAGE Balances Rates RATES current billing period: 31 days corresponding ANNUAL PERCENTAGE Transaction ANNUAL Periodic Fee PERCENTAGE FINANCE FINANCE RATES CHAR ES CHARGES Purchases $135.82 0.07121% 25.99% F 25.99% $3.00 $0 Cash Advances $3695.12 0.07668% 27.99% F 27.99°I° $87.84 $0 Balance Transfers $0 0.071219'° 25.99% F '!. 25.99% $0 $0 Balance Transfers $1.39 0.07121 % 25.99% F °~% 25.999'0 $0.02 $0 The rates that apply to your Aeeeunt are either fixed (Fj or they may vary (V) as ~oted above Wish you could sort these purchases by amount, description or category$ You Cpn -resister at Discovercard.com to view ,. ~ - DISCV E R ..,~~,,,y ~aie: I ~ „ ~. ,,...,~, ,.,~" .. 9 . January 13, 2008 Account number endin m 1547 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: March 13 Balance Previous Cashback Bonus Award Balance $ 45.60 Purchase Award This Period + 0.02 Cashback Bonus Award Tota 45.62 Cashback Bonus Award Balance 45.62 Award Available to Redeem $ 40.00 e;frictions a Ito th++ Cgqshback BoIlus Pa~• offers , vi:it afuet~r,cem er call 1•t®®•DI16®~!R (1 •BOEi•a47.2693) for "it~lls. For (~t~~ttlNi d6tial14, sea the Cashback onus program Terms and Conditions. V'.7~rV tK $3,353.36 13 SDSN6A010002920 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $98.00 -~ _ J Enter Amount Enclosed Below y~• Payment Due Date March 12, 2008 Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. .Learn more at discover.com/paperless. PO BOX 71084 ~~~"'~~"""~~"~~"~~"~ CHARLOTTE NC 28272-1084 Address, email or telephonechange~Printchangeinspace ~~~~~`~~~~~~~~~`~~~~~~~~~~~~~`~~~~~~~~~`~~~~~~~~~~~~~~~~~~~~~~ above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458741571638033533600325000009800 .... Discover More Card Account Summary Closing Date: February 13, 2008 page 1 of 2 Account number ending in 1547 Previous Balance $3,585.52 Payment Due Date March 12, 2008 Payments And Credits - 325.00 Minimum Payment Due $98.00 Purchases + 9.95 Credit limit $10,000.00 Cash Advances + 0.00 Credit Available $6,646.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges ____ ______ _ + 82.89 Cash Credit Available $1,850.00 New Balance = $3 353.36 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 45.62 New Cashback Bonus This Period + 0.02 Cashback Bonus Balance $ 45.64 Cashback Bonus® Anniversary Month: March CONGRATULATIONS! Your Cashback BonuslR) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER (1-800-347.2683) to get your share of America's #1 Cash Rewords Program. 1. Visit Discover.com to pay your bill for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more !t's your choice - 3 ways to help 2• Call 1.800.DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 31 Jan 31 PAYMENT -THANK YOU $ -325.00 Services Jan 19 Jan 19 EPOCH.COM 1 3 1 066458 1 0 CA 9.95 Wish you could sort these purchases by amount, description or categoryy You can -register at Discovercard.com to view DISCOVER ` npaysio ,,.., ,,....,,~...." , I ~~SC~VER~ I ' Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can occess. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. c02004 Discover honk, Member FDIC Closing Date: Fgpruary 13, 2008 page 2 of 2 Finance Charge Summery Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616% torresponding ANNUAL PERCENTAGE RATE: 5.909'0. Rate is subject to the terms of the offer including expiration. ~ ~ Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE 'PERCENTAGE FINANCE FINANCE Balances Rates RATES ''RATES CHARGES CHARGES current billing period: 31 days Purchases $15.63 0.071219'0 25.9990 F ' 25.99% $0.35 $0 Cash Advances $3472.33 0.07668% 27.9980 F ! 27.99% $82.54 $0 Balance Transfers $0 0.07121 % 25.9990 F 25.99% $0 $0 Balance Transfers $0.01 0.07121 % 25.99% F 25.999'0 $0 $0 TI ~ rot~s_thgt g;ppLx,t~ ~iliur ARa~tVN qr~ •ith~r heed (F) or th~r mar vary (V) as' sited above. QUeStlonS? Manage your account al Discover.com or V~VLrV CK $5,050.89 13 SDSN6A01 0002921 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $101.00 I Enter Amount Enclosed Below Payment Due Date April 12, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account .information more secure with password- pprotected statements only you can access. Learn more at discover.com/paperless. PO Box 71084 IIIrrJLrrrrrllrrl6JlrJ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeZ Print change in space I~~li~liil~ril~~l~~il~~l~l~i~l~ll~i~~i~li~liilliili~liili~i~~) above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. 000001986458?41571638050508900200000010100 Discover More Card Account Summary Closing Date: March 13, 2008 page 1 of 2 Account number ending in 1547 Previous Balance ; $3,353.36 Payment Due Date April 12, 2008 Payments And Credits - 200.00 Minimum Payment Due $101.00 Purchases + 9.95 Credit Limif $10,000.00 Cash Advances + 1,750.00 Credit Available $4,949.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Chargss~ _ + 137,58 Cash Credit Available $100.00 _ ___ New Balance ____ __ _ $5,050.89 You may be able to avoid Periodic Finance Charges, see the reverse side for defails. Cashback Bonus® Opening Cashbadl~ Bonus Balance $ 45.64 New Cashback Bb'nus This Period + 0.02 hb k n Cas ac Boni Balance $ 45.66 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1.800-DISCOVER (1-800.347-2683) to redeem. How Can We Hel You? I~ 1 • Visit Discover.com to pay your bill kr no cost, view your l A atest ccount information, earn and redeem rewards and more Itrs your choice - 3 ways to help 2. Call 1.8oo-DISCOVER (347-2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date 'pi Payments and Credits Mar 13 Mar 13 PAYMENT -THANK YOU ~', $ -200.00 Services Feb 19 Feb 19 EPOCH.COM 13106645810 CA q.q5 Cash Advances Mar 7 Mar 7 CASH ADVANCE CHECK #0,216 1,000.00 Mar 7 Mar 7 CASH ADVANCE TRANS FEE FINANCE CHARGE 30.00 Mar 7 Mar 7 CASH ADVANCE CHECK #Q 17 750.00 __ Mar 7 Mar 7 CASH ADVANCE TRANS FE~FINANCE CHARGE 22.50 Information For You Earn 5% to 209'o Cashback Bonus(R) at over 90 top online retailers like Circuit Cjty.com, LandsEnd.com and Barnes & Noble.com through our exclusive online shopping site, ShopDiscover. Visit Discgvercard.com/shop today) i I Need some help around the house6 Get organized for springy with your DiscoveAj(R) Card. Get 59e to 20go Cashback ` u a ru V~~L~,~V~K I D~$C VER~ I' i61 Account~numberending in 1547 Get added security with no paper trail ; a - Make your account information more secure with ! ~ ~' password-protected statements that only you can access. t~ ~~ • Access up to 24 months of downloadable, ~ ! bl Sign up today at DISCOYBGCOfil~pdP@rl@SS ' printa e statements. • See your statement as soon as it's available . R :~ rather than wait for if to arrive in your mailbox. ~ :1 ~ • Get helpful payment reminders through e-mail ~ .,,,,,i _~' ' or text messages on your mobile phone. 6 =, ; • Print a paper copy of your statement anytime. X2009 Discover bank, Member FDIC Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%;',corresponding A NNUAL PERCE NTAGE RATE: 5.909'°. Rate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL i~ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE (PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES C_ FIARGES CHARGES current billing period: 29 days i Purchases $18.35 0.07121 % 25.99% F ~ 25.99% $0.38 $0 Cosh Advances $3808.75 0.07668% 27.99% F '(43.22% $84.70 $52.50 Balance Transfers $0 0.07121 % 25.94% F 25.99% $0 $0 Balance Transfers $0 0.07121 % 25.99% F ! 25.99% $0 $0 The rates that apply to your Account ars either fined (F) or they may vary (V) as noted above. QueStlOnS? Manage your account at Discover.com or uiac.vtK$4,83,:12__ 13 SDSN6A01 0002922 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $136.00 I', Enter Amount Enclosed Below Payment Due Date May 12, 2008 '!Please make check payable to Discover Card or Address, e-mail or telephone change6 Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and spacial offers. jpay online ~ Discovercard.com. Go paperless and make your account Information more secure with password- pprotected statements only you can access. Learn more at discoveccomlpaperless. ~% ~, ~~~n~~~urur~~n~~n~~u~ PO BOX; 71084 CHARLQiTTE NC 28272-1084 ~n~~~~n~iii~i~~ni~n~i~ui~~~~ui~n~n~u~~n~n~n~i~ii~~ 000001986458741571638048311200350000]13600 ;, Discover More Card Account Summary Closing Date: April 13, 2008 page 1 of 1 Account number ending in 1547 Previous Balance !r $5,050.89 Payment Due Date May 12, 2008 Payments And Crq~lits - 350.00 Minimum Payment Due $136.00 Purchases ~ + 9.95 Credit Limif $10,000.00 Cash Advances + 0.00 Credit Available $5,168.00 Balance Transfers ~ + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 120.28 Cash Credit Available $300.00 New Balance _ $4,831.12 You may be able t o avoid Periodic Finance Charges, see the reverse side for de~ li ~; ails. Cashback Bonuse Opening Cashbad ~ Bonus Balance $ 45.66 New Cashback Bo nus This Period + 0.02 Cashback$onus~ Balance $ 45.68 _~ Cashback Bonus® Anniversary it .. - - Month: March CONGRATULATIONSI Your Cashback ', { - Bonus(R) is waiting (or you. Visit i Discoveccom or call 1-800.DISCOVER (1-800-347-2683) to redeem. ; " How Can We Hel You? 1. visit Oiscaver.E t t A t y P l m to pay your bill for no cost, view your f d d d d a es ccoun jn ormation, earn an re eem rewar s an ma ~t'S your choice - 3 ways to help 2. Call 1-800.DI5`; COVER (347-2683) For fast, easy selFservice Please have your Discover Card available. options or to sp eak with a Customer Service Account ManagE 3. Write us at Dis for TDD (assistance For hearing impaired) see reverse side Salt Lake City,'~ cover Card, PO Box 30943, ~1T 84130 Transactions $0 Fraud Liability Guarantee Use your Disc ~er Card with confidence. o s' ~ at p~ Payments and Credits Apr 9 Apr 9 PAYMENT -THANK YOU ' ii $ -350.00 Services Mar 19 Mar 19 EPOCH.COM 310664581 _ ~iCA 9.95 jl ; r Finance Charge Summary ' E ~ Nominal Average Daily ANNUAL Transaction ~ ANNUAL Periodic Fee ~ Daily Periodic PERCENTAGE ale Rates RATES PERCENTAGE FINANCE FINANCE t RATES CHARGES CHARGES current billing period: 31 days Purchases $17.19 0.07121 % 25.99% F ~ 25.99q° $0.38 $0 Cash Advances $5044.10 0.07668% 27.99'° F 27.99% $1 19.90 $0 I Balance Transfers $0 0.07121 ~° 25.99q° F ' 25.99% $0 $0 l Balance Transfers $0 0.07121 a 25.99 F ~ ' 25.99 $0 $0 The rotas that apply to your Account an either Fixed (F) or they may vary (V) as otsd above. Looking for the perfect gift For someone specials Save time and earn rewards - with 5% to 20%Cashback Bonus(R) at online p'J~VER 54,553.31 ~ $128.00 II~ Enter Amount Enclosed Below Payment Due Date I~ June 12, 2008 Rlease make check payable to Discover Card or bav online ~ Discovercard.com. 13 SDSN6A01 0002923 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 Address, e-mail or telephone changed Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. oerless and make your account ation more secure with password- ted statements only you can access. more at discover.com/paperless. PO BOX71084 (~("'~~"""~~"~~"~~"~ CHARLO TE NC 28272-1084 ~u~i~~n~ii'r~i~~~ii~n~r~n~~~~~rri~~i~ri~ri~~ir~ir~i~~i~n~~ OOOOD1986458741571638045533100400000~12800 Discover More Card Account Summary Closing Data: t Account number ending in 1547 Previous Balance Payment Due Date June 12, 2008 Payments And Cry Minimum Payment Due $128.00 Purchases Credit Limit $10,000.00 Cash Advances Credit Available $5,446.00 Balance Transfers Cash Credit Limit $5,000.00 Finance Cha_r8es_ Cash Credit Available $569.00 New Balance You may be able' reverse side for d 13, 2008 page 1 of 2 $4,831.12 _ - 400.00 + 9.95 + 0.00 + 0.00 + _ 112.24 -- ---------------------- --- ---- - -- _ $4,553.31 oid Periodic Finance Charges, see the Cashback Bonus Opening Cashbacl New Cashback Bo Cashback Bonus Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800•DISCOVER (1-800.347-2683) to redeem. nus Balance $ 45.68 This Period + 0.02 lance $ 45.70 How Can We Hel YOU? p 1 ~ Visit Discovers latest Account i ' to pay your bill for no cost, view our formation, eam and redeem rewards and more It`s your choice - 3 ways to help 2. Call 1-800-DIS OVER (347-2683) for fast, easy selFservice Please have your Discover Card available. options or #o s ak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Dis Salt Lake City, ver Card, PO Box 30943, T 84130 Transactions $0 Frnud liability Guarantee use your Disco ' r card with confidence. Trans. Post Dale Date Payments and Crodits May 13 May 13 PAYMENT -THANK YOU $ -400.00 Services Apr 19 Apr 19 EPOCH.COM 3106645810' ; A 9.95 VIJC.GV tK wr ~ Account number ending in 1547 DISCF~°~VER" ~' Get added security with no paper trail Make your account information more secure with password•protected statements that only you can access. • Access up to 2d months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it io arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your staternent anytime. y ~ , 3 ;', Sign up today at II Discover.com/paperless j 1,~> iI: r! ~,.~ n t$:2009 Uiscwer bank, tvkmber FDIC Closing Date: It~ay 13, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Doily Periodic Rate: Oibl',b 163'° corresponding A NNUAL PERCE NTAGE RATE: 5.909e. Rate is subject to the terms of the offer including expiratjon. Nomr<al' ` ! Transaction Average Daily ANNUpI ~ ANNUAL Periodic Fee Daily Periodic PERCENTAGE ~ PERCENTAGE FINANCE FINANCE a c Rates RATES' RATES CHARGES C R ES current billing period: 30 days Purchases $18.45 0.07121% 25.99j/°, F 25.993'° $0.40 $0 Cash Advances $4861.79 0.07668% 27.99Q°'; F I 27.993'° $1 1 1.84 $0 Balance Transfers $0 0.07121 % 25.99 o F ~ ' ! 25.99% $0 $0 Balance Transfers $0 0.07121 % 25.99~oj F ' ! 25.999'0 $0 $0 Tho rots that apply to your Account an oilhor Fixed (F) or they may vgr~y (V) as ' , bd above. QUeSflOnS? Manage your account at Discover.com'.or ivavr uww~~n rvunu num ~ uyuioni vun n~tuuui ivun~uni anuun~ ni ~.+ti• DISCV ER 54,297.01 $124.00 Enter Amount Enclosed Below Payment Due Dade July 12, 2008 i ', lease make check payable to Discover Card or ', ay online ~ Discovercard.com. 13 SDSN6A01 0002924 HITCHINGS, J05EPH L opaperlessandmakeyouraccount i i formation more secure with password- 2413 COPE DR ' rotected statements only you can access. MECHANICSBURG PA 17055-5355 'learn more at discover.com/paperless. PO BOX 71084 III"rll'r"rrllirllril~rrl CHARLO TE NC 28272-1084 Address, e-mail or telephone change2 Print change in space '~~I~I'~~~~r I~"~~~I~~I~'~~~IIIIi~~I~~I~~I~~I~~~I~~~~~'~I~~II above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. 000001986458741571638042970100375000' 12400 Discover More Card Account Summary Closing Date: Ju Account number ending in 1547 Previous Balance Payment Due Date July 12, 2008 Payments And Cre i Minimum Payment Due $124.00 Purchases. Credit limit $10,000.00 Cash Advances Credit Available $5,702.00 Balance Transfers Cash Credit Limit $5,000.00 finance Char es '' Cash Credit Available $822.00 New Balance You may be able f reverse side for det 13, 2008 page 1 of 2 $4,553.31 • 375.00 + 9.95 + 0.00 + 0.00 + 108.75 $4,297 avoid Periodic Finance Charges, see the ils. Cashback Bonus® Opening Cashbac Bonus Balance $ 45.70 New Cashback Bo us This Period + 0.02 Cashback Bonus Balance $ 45.72 Cashback $onus® Anniversary - ...... ...... ... - ; - ... : . Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discoveccom or call 1-800-DISCOVER (1.800.347-2683) to redeem. $ -375.00 9.95 ,our exclusive online shopping $0 Fraud Liability Guarantee Use your Disco 'r Card with confidence. Trans. Post Date Date s Payments and Crodits tun 1 1 Jun 1 1 PAYMENT -THANK YOU Services May 19 May 19 EPOCH.COM 310664581',0 ~ A ~', Transactions How Can We Help You? 1 • Visit Discover.c~' to pay your bdl for no cost, view your latest Accounti'Formafion, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coll 1:;800-DIS OVER (347-2683) for Fast, easy self-service Please have your Discover Card available. options or toffs ~ i~ ak with a Customer Service Account Manager 3. Write us at Dis' ,fiver Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, 7 84130 ~ ~, rtamm~g a summer getaway'4 Vet everything you need to hit the road through'. L,IJC.V tK u r11C(^r'"~V~D' Ili Account number ending in 1547 Get added security with no paper trail Make your account information more secure with j%' password-protected statements that only you con access. ;' • Access up to 24 months of downloadable, ~' printable statements. !' • See your statement as soon as it's available ~.' rather than wait for it to arrive in your mailbox. I } • Get helpful payment reminders through a-mail ', or text messages on your mobile phone. ---~ • Print a paper copy of your statement anytime. -~ gn up today at ' y iscover.com/paperless ~' ~F' 8J2009 Discover poiik, Member FDIC Closing Date: J;, i ~f' 13, 2008 page 2 of 2 ;, Finance Charge Summary ~ . Balance Transfer offer For current billing period: Daily Periodic Rate: 0.007959'0; corresponding ANNUAL PERCENTAGE RATE: 2.903'°. Rafe is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL I ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $8.41 0.05751 % 20.999'° F 20.99% $0.15 $0 Past Purchases $9.45 0.071219'° 25.999'° F 25.99% $0.20 $0 Cash Advances $4560.29 0.076689:° 27.99°k F 27.99% $108.40 $0 Balance Transfers $0 0.05751 % 20.999'° F 20.99% $0 $0 Balance Transfers $0 0.057513'° 20.99°'o F 20.999~e $0 $0 Tha raps that apply to your Aeeount an either Fixad IF) or they may vary IV) as t4abd abova. QU@StIOnS? Manage your account at Discover.com or DISCOVER $4,255.74yy 13 SDSN6A01 0002925 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 Address, o-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers, $114.00 ~, Payment Due Date August 12, 2008 R Enter Amount Enclosed Below ~~ yse make check payable to Discover Card or online ~ Discovercard.com. ~o paperless and make your account formation more secure with password- pp otected statements only you can access. u. am mare at discover.com/paperless. PD sax';~,71084 Illnrllrnr~~llull~rllul CHARLOTi'TE NC 28272-1084 IrrlJlr.LIrIL~~Ir~IJrr~IIllr~rlr~I~rLrII~rLJrJrLJI DDDD01986458741571638D42557400150000011400 i Discover More Card Account Summary ! ,i. Closing Dgte:_ Ju y 13, 2008 page 1 of 2 Account number ending in 1547 Previous Balance. ~~ $4,297.01 Payment Due Date August 12, 2008 Payments And Credits - 150.00 Minimum Payment Due $1 14.00 Purchases '. '~ + 9.95 Credit Limit $12,000.00 Cash Advances ; ~~ + 0.00 Credit Available $7,744.00 Balance Transfers ' '~ + 0.00 Cash Credit Limit $6,000.00 Finance Charges . __ +__ __ 9_8.78 Cash Credit Available $1,853.00 New Balance ' ' _ $4,255.74 You may be able to avoid Periodic Finance Charges, see the reverse side for details. _i Cashback Bonus® Opening Cashbacl~ Bonus Balance $ 45.72 New Cashback Bo°`, us This Period + 0.02 Cashback Bonus'; Balance $ 45.74 Cashback$onu~ Anniversary !' Month: March How Can We Hel You? 1 ~ Visit Discovers t t A t i P l ~ fo pay your bill for no cost, view your Fo i d d d d a es ccoun It's your choice - 3 ways to help 2. Call 1-800-DIS rmat on, earn an re eem rewar s an me OVER (347-2683) for Fast, easy self-service Please have your Discover Card available. options or to sp ak with a Customer Service Account ManagE 3. Write usat Dis For TDD (assistance for hearing impaired) see reverse side Salt Lake City, over Card, PO Box 30943, ~T 84130 Transactions $0 Fraud Liability Guarantee Use your Disco l er Card with confidence. Trans. Post Date Date Payments and Credits Jul 3 Jul 3 PAYMENT -THANK YOU ~ $ -150.00 Services Jun 19 Jun 19 EPOCH.COM 3106645810 i A 9.95 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795%; ~ orresponding ANNUAL PERCENTAGE RATE: 2.90q°. Rate is subject to the terms of the offer including expiration. ; ' Nominal Average Daily ANNUAL ~ Transaction ANNUAL Periodic Fee Daily Periodic PERCENTAGE...,;~ ,PERCENTAGE FINANCE FINANCE Balances to _ RATES ' i IRATES CHARGES CHARGES current billing period: 30 days j Purchases $14.82 0.05751 % 20.99% F ~ 20.99% $0.25 $0 Past Purchases $0.12 0.07121 % 25.99% F i 25.99% $0 $0 Cash Advances $4283.29 0.07668% 27.99% F ! '.27.9996 $98.53 $0 Balance Transfers $0 0.05751 % 20.999'° F ~ '20.99% $0 $0 Balance Transfers $0 0.05751 % 20.99°i° F i '20.99% $0 $0 The rata that apply to your Account an either fixed ~F) or they may vary (V) gs:nl i 'ted above. Fall fashions breaking the bank2 Shop back-to-school sales through ourl, exclusive online shopping site ShopDiscover! Earn ~w\r ~• ~~\ ~.wan~yvwa. i4 ,, ... ,.,...,., ..,.... .. July 13, 2008 I Account number ending in 1547 page 2 of 2 Cashback Bonus ® Award Sum r' ary Previous Cashback Bonus Award Balance $ 45.72 Purchase Award This Period '~ + 0.02 ~; Cas ac Bonus Award Total '; 45.74 Cashback Bonus Award Balance Award Available to Redeem 45.74 $ 40.00 ~~ RRestrictions apply to th C~~shbaak D.nus Partner off~ra visit pluowr.eom or tr~ details. For program ~etails, see the Cashback Bonus ('rogram Terms and Con I ~. Cashback Bonus Anniversary Date: March 13 '~ Balance •800•DISCOV61t (1-80Q34~-2683) for DISCV ER $4,410.93 $236.00 I Enter Amount Enclosed Below Payment Due Date j September 12, 2008 Please make check payable to Discover Card. Minimumpayment due includes a past due amount of $114.00. 13 SDSN6A010002926 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 Address, o-mail or telephone change8 Print change in space above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. Go paperless and make your account Information more secure wdh password- - pprotected statements only you can access. 'Learn more at discover.comlpapertess. ~~ i PO BOX;(71084 ~I~nr~~nnn~~n~~n~~n~ CHARLO TE NC 28272-1084 ~n~~~~ti~~t,1,~i~~ui~~~~i~nt~~~~ni~u~n~u~~n~n~n~i~u~~ lu 000001986458741571638044109300D00000!23600 Discover More Card Account Su j ` i, mmary . '', - Closing Date: August 13, 2008 page l of 1 Account number ending in 1547 Previous Balance ~' $4,255.74 Payment Due Date September 12, 2008 Payments And Cre jis _ - 0.00 Minimum Payment Due $236.00 Purchases + 48.95 Credit limit $12,000.00 Cash Advances ', ~' + 0.00 Credit Available $7,589.00 Balance Transfers ;''' + 0.00 Cash Credit Limit $6,000.00 Finance Char ec~s + 10 6.24 Cash Credit Available $1,853.00 _ __ New Balance _ _ $4,410.93 You may be able tq avoid Periodic Finance Charges, see the reverse side for details. i Cashback Bonus® Opening Cashback Bonus Balance $ 45.74 New Casfback Bo us This Period + 0.02 Redeemed This Pei ' d - 40.00 Cashback Bonus®-Anniversary - - - - -Cashbgtk Bonus algnte $ 5.76 Month: March ~ ' How Can We Hel You? h 1 • Visit Diacoverc" to pay your bJl for no cost, view your latest Account formation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1=80aDIS ' OVER (347-2683) for Fast, easy self-service Please have your Discover Card available. options or to sp 3 W ak with a Customer Service Account Manager ~ d For TDD assistance for hearin im aired see reverse side ( 9 ~ P ) . rite us at Disc Salt Lake City, l ver Car , PO Box 30943, ~T 84130 Transactions $0 Fraud Liability Guarantee Use your Disco~ r Card with confidence. D s~ D 1 ats ate CNher/Miuellaneous Aug 13 Aug 13 LATE FEE _ ~ $ 39.00 Ssrvices 1ul 19 Jul 19 EPOCH.COM 310664581D" GA- 9.95 Information For You ~~ * * * ATTENTION * * * Your account is past due. Please pay the past due amou t n_ ow, or contact us to make other arrangements. - - ;;,i - i'i Finance Charge Summary '~'' Balance Transfer offer for current billing period: Daily Period ic Rate: 0.00795%"corresponding ANNUAL PERCENTAGE RATE: 2.909'°. Rate is subject io the terms of the offer includi ng expiration. I;qi Average Daily Nominal ~"~ Transaction ANNUAL ~!"+ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE ' !PERCENTAGE FINANCE FINANCE' RATES RRATES CHARGES CHARGES current billing period: 31 days Purchases $18.75 0.07942% 28.99% F 28.99q° $0.46 $0 Cash Advances $4296.51 0.07942q° 28.99% F 28.99% $105.78 $0 Balance Transfers $0 0.07942% 28.99° F 28.999'° $0 $0 Balance TransFers $0 0.07942% 28.94% F 28.99% $0 $0 The rates that apply to your Aceeunt ere either fixed (F) or they rndy vary (V) qa r1Ylt~d above. Fall fashions breaking the banks' Shop Back-to-School sales through our exclusi~e online shopping site ShopDiscoverl Earn VIJC.V ~K ~sa,i9l:aa 13 SDSN6A01 0002927 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $121.00 VV'~ ', Enter Amount Enclosed Below Payment Due Date !" $ October 12, 2008 please make check payable to Discover Card or '; fpay online ~ Discovercard.com. Go paperless and make your account ,information more secure with password- -' ~rotected statements only you can access. earn more at discover.comlpaperless. ''''l g PO Box~~ 71084 Illrrrllr~~~~JIrrIIr~ILJ CHARLOTTE NC 28272-1084 Address, email or telephone change8 Print change in space lul~l~~~~~~~I~Ilu~lul~~u~l~l~n~~n~ulnl~nluln~~ln~~ above, or go to Discover.com. Print your e-mail address to receive important Account inFormation and special offers. - 00000198645874157163804791340035000'.0012100 !,' Discover More Card Account S mm ' ~'~' u ary _I~ Closing Date: September 13, 2008 page 1 of 2 Account number ending in 1547 Previous Balance $4,410.93 Payment Due Date October 12, 2008 Payments And Credits - 525.00 Minimum Payment Due $121.00 Purchases + 799.93 Credit Limit $12,000.00 Cash Advances il'! + 0.00 Credit Available $7,208.00 Balance Transfers~'I + 0.00 Cash Credit limit $6,000.00 Financs Charles ;!, __ __ +__ _ 105_.48_ Cash Credit Available $2,1 15.00 New Balance _ $4,791.34 -1. You may be able. o avoid Periodic Finance Charges, see the reverse side for dbFails. Cashback Bonus® Cashback Bonus® Anniversary Month: March Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback BonuslR). Opening CashbaFk Bonus Balance New Cashback''Bb~nus This Period Cashback Bonin; Balance $ 5.76 + 1.99 $ 7.75 How Can We Hel You? 1 • Visit Discover'om to pay your bill For no cost, view your P latest Account, i'nFormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DI COVER (347-2683) For fast, easy selfservice options or fo 'beak with a Customer Service Account Manager Please have your Discover Card available. 3. Write vs at D'i'~fover Card, PO Box 30943, For TDD assistance For hearing impaired) see reverse side Salt Lake Cityf LOUT 84130 Transactions $0 Fraud Liability Guarantee Use your Disc, fi ver Trans. Post Daro Dare Payments and Credits Aug 15 Aug 15 PAYMENT -THANK YOU '. ' ~ ' Sep 9 Sep 9 PAYMENT -THANK YOU , !, 'i ; Travel/Enrortainmont Aug 21 Aug 21 CONTINENTAL/ARC HOU ~ ;O TICKET NUMBER 7174089 ~ 9 _ AUTOMATIC FLIGHT INSUR ~ `N ORBITZ MANKATO M Aug 21 Aug 21 CONTINENTAL/ARC HOtJ~t Oh TICKET NUMBER 7174089~,~ fi0 AUTOMATIC FLIGHT INSURp NC ORBITZ MANKATO M Aug 22 Aug 22 ORB*AP130101 DS32FKJ0 W V~ Servicea Aug 19 Aug 19 EPOCH.COM 3106645810 CA Card with confidence $ •175.00 -350.00 N TX 388.00 CE NO COST TX 388.00 • NO COST NORBITZCOM IL 13.98 9.95 viscwER~ r11CC';' aV~t?' I;~i Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. 9. ;... .. ... .a.... _.. Sign up today at ', Discover.com/paperfess ~. u12009 Discover Bank, Member FDIC Closing Date: 5 'ptember 13, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer For current billing period: Daily Periodic Rate: 0.00795:%;,corrasponding ANNUAL PERCENTAGE RATE: 2.90`Yo. Rate is subject to the terms of the offer including expiration. Promotion: 1.90% APR on all purchases made at Air fare/Cruise merchants through 11 /30/08. Promotional Rate valid through March 2009 statement. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES'- RATES CHARGES CHARGES current billing period: 31 days Purchases $10.40 0.07942% 28.99% F 28.99% $0.26 $0 Air Fare/Cruise $61 1.51 0.00521% 1.90%' F ': 1.90% $0.98 $0 Cash Advances $4234.05 0.07942% 28.99% F ~' .28.99% $104.24 $0 Balance Transfers $0 0.07942% 28.99% F 28.99% $0 $0 Balance Transfers $0 0.07942°rb 28.99% F 28.99% $0 $0 The rlttt:~„fhat ppplr to Y.~r Aeeorant an either fixed (FI or they may vary (V) qs netted ab©ve. QU@St1onS? Manage your account at Discover.com or VIJI. ~:~V CK . _.. __._..__ .........._.... _ _... ___ ..____.....~,.,.._. ~......,~ .,, ...,. $6,436.13 I $133.00 ~ I " Enter Amount Enclosed Below Payment Due Date November 12, 2008 f lease make check payable to Discover Card or pay online ~ Discovercard.com. 13 SDSN8A01 0002928 HITCHINGS, JOSEPFt L Gopaperlessandmakeyouraccount information more secure with password- 2413 COPE DR Protected statements only you can access. MECHANICSBURG PA 17055-5355 Learn more at discoveccom/paperless. Po Box', 71084 IILrrILr~~~rIL~IIr~ILrl CHARLOTTE NC 28272-1084 Address, a-mail or telephone changei= Print change in space I',~ilillr~I~;i~l~l~iiili~li~~iilllliii~~iliili~l~iili~~i~~iliil~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. D000019864587415716380643613001350d0";613300 Discover More Card Account Summary ', Closing Date:'', October 13, 2008 page 1 of 2 Account number ending in 1547 Previous Balance ' $4,791.34 Payment Due Date November 12, 2008 Payments And Credits - 135.00 Minimum Payment Due $133.00 Purchases ' ? + 219.87 Credit Limit $12,000.00 Cash Advances + 1,400.00 Credit Available $5,563.00 Balance Transfers' ! + 0.00 Cash Credit Limit $6,000.00 Fina_n_ce Charges '_ ____________ __+ ___ _159_.92 Cash Credit Available $715.00 New Balance ~ _ $6,436.13 You may be able to avoid Periodic Finance Charges, see the reverse side For'details. Cashback Bonus® Opening Cashback Bonus Balance $ 7.75 New Cashback'. Bonus This Period + 0.54 hb k n n' Cas ac Bo i :Balance $ 8,2q Cashback Bonus® Anniversary ~. Month: March '~ Keep building your rewards with every ~} I E',, purchase. Start redeeming once you reach ~l'' $20 Cashback Bonus(R). ;j', How Can We Hel You? P 1 • Visit Discover.~om to pay your bdl kr no cost, view your latest Account' nformation, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-800•DISCOVER (347-2683) For fast, easy self-service Please have your Discover Card available. options or to s eak with a Customer Service Account Manager r over Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side 3. Write us at D Salt Lake City,L~UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Oct 9 Oct 9 PAYMENT -THANK YOU'. $ -135.00 Merchandise/Retail Sep 30 Sep 30 WMV"MATCH.COM 800-326-5161 TX 59.97 000100051313754 Servicea Sap 19 Sep 19 EPOCH.COM 31Obb458',lOiCA 9.95 Sep 26 Sep 26 FRIENDFIND b10757192Q p8.745.5400 CA 149.95 Cash Advances Sep 29 Sep 29 CASH ADVANCE{HECK~# 1525 1,400.00 Sep 29 Sep 29 CASH ADVANCE JRANS'FE FINANCE CHARGE 42.00 Need CashB Whether it's for an unexpected bill, an emergency car repair or kids' school activities, Discover(R) Card D15CV ER „ pays~~ - , , ,,, „ ,.,.,, ...,., , . DIS ~' Account number ending in 1547 Get added security wi#h no paper trail Make your account information more secure with password-protected statements that only you con access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. -r;--------- ------- -- ii ~' ., s . _ I!==~ ~1 ; ~$ign up today at ,~ I; ~~ISCOVercom/paperless I ~* ' ;y2009 Discover bank, Member FDIC i Finance Charge Summary Promotion: 1.90% APR on all purchases made at Air Fare/Cruise merchants throu8h 1 1 /30/08. Promotional Rate valid through March 2009 statement. ' Nominal Transaction Average Daily ANNUAL ;ANNUAL Periodic Fee Daily Periodic PERCENTAGE !PERCENTAGE FINANCE FINANCE Balances Rates RATES !RATES CHARGES CHARGES current billing period: 30 days Purchases $137.41 0.07942% 28.99% F '28.99% $3.28 $0 Air fare/Cruise $769.04 0.00521 % 1.903'° F ' 1.90% $1.20 $0 Cash Advances $4761.48 0.079429b 28.999'° F ;39.179'° $113.44 $42.00 Balance Transfers $0 0.07942% 28.999'0 F 28.99% $0 $0 Balance Transfers $0 0.07942% 28.9990 F X28.99% $0 $0 The rates that apply to your Aeeounf ors either fixed (F) or they may vory (V) as ndted above. QU@stlonS? Manage your account at Discover.com or ul'L.V CK $8,842.69~y 13 SDSN6A01 0002929 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ............... . ..~.,..,,., ...... ,,.....,,..,..,,.,~~..o~ o~~..~~~y ~~~ ...~. $200.00 I Enter Amount Enclosed Below Payment Due Date December 12, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account Information more secure with password- - protected statements only you can access. Learn more at discover.coMpaperless. PO .BOX` 71084 ~~~ur~~nnn~~u~~u~~n~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ~ii~r~~n~n;~~~~~ni~n~i~u~~~~~ui~n~n~n~~n~n~n~~~n~~ above, or go to Discover.com. Print your e-moil address to receive important Account information and special offers. DODD019864587415716380884269001450D0020000 Discover More Card Account Summary Closing Date: November 13, 2008 page 1 of 2 Account number ending in 1547 Previous Balance $6,436.13 Payment Due Date December 12, 2008 Payments'And Credits - 145.00 Minimum Payment Due $200.00 Purchases + 1,630.39 Credit Limit $12,000.00 Cash Advances + 715.00 Credit Available $3,157.00 Balance Transfers + 0.00 Cash Credit Limit $6,000.00 Finan<e_Charc~es ~ + 206.17 Cash Credit Available $0.00 _ _ _ _ New Balance _ _ __ _ = $8,842.69 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 8.29 New Cashback Bonus This Period + 6.89 Cashback Bonus;Balance $ 15.18 Cashback Bonus®Since Anniversary Month March: $9.52 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Hel YpIJ? 1 • Visit Discovsr.com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more (t's your choice - 3 ways to help 2. Call 1'-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearin 3. Writelus at Discover Card, PO Box 30943, ( g impaired) see reverse side Salt Lake Cify, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dats Date Payments and Credits Nov 12 Nov 12 PAYMENT - THANK''YOU $ -145.00 Merchandise/Retail Oct 23 Oct 23 STUBHUB, INC SA1J FRANCI$COCA 690.15 Oct 28 Oct 28 XM *SATELLITE RADIO 800-X1v1RADl0 DC 189.56 T 1,1 172AA2,26 Nov 5 Nov 5 RITE AID MECHANICSBURGPA 207.19 Restaurants Oct 24 Oct 24 MALNATIS TASTE OF CHICAG 800.5688646 IL 9.95 Other/Miscsllaneoua Oct 17 Oct 17 CASH ADV RTRN CHK FEE #7891 35.00 Gasoline Oct 22 Oct 22 TURKEY HILL #0240 Q69 MECHANICSBURGPA 45.15 Nov 5 Nov 5 TURKEY HILL #0240 Q69 MECHANICSBURGPA 35.60 Services Oct 19 Oct 19 EPOCH.COM 1310664581Q CA 9.95 Oct 27 Oct 27 VZWRLSS MYACCTVE 1-800-922-020CA 407.84 Cash Advances Oct 19 Oct 19 CASH ADVANCE TO CHECKING ACCT ****6877 715.00 Oct 19 Oct 19 CASH ADVANCE TRANS FEE!FINANCE CHARGE 21.45 DiscvER rr Sys rc , , .,, ,,, ....., ,,...." , .. {SC~VER• Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. i ~~ $ign up todoy at Discovercom/papertess R? i ~~ ~20U9 Discover Bank, fvlember FDIC • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Closing Date: November 13, 2008 page 2 of 2 Finance Charge Summary Promotion: 1.909'° APR on all purchases made at Air Fare/Cruise merchants through 11 /30/08. Promotional Rate valid through Mareh 2009 statement. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE 'PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1224.76 0.079429'° 28.99% F ' 28.99% $30.15 $0 Air fare/Cruise $648.31 0.00521 0 1.90°/ F 1.90% $1.04 $0 Cash Advances $6236.02 0.079429'° 28.99% F 33.6796 $153.53 $21.45 Balance Transfers $0 0.07942% 28.999e F 28.99% $0 $0 Balance Transfers $0 0.07942% 28.999'° F 28.99% $0 $0 Thy nta thu- apply t. your Aetadnt art ~ithlU Flx~d (F) or thry moy vary (V) as notod abavb. QUeSflOnS? Manage your account at Discover.com or ~~,L.+~._.~V tK $9,190.20~V I $225.00 ..r V ~' Enter Amount Enclosed Belowv" Payment Due Date January 12, 2009 please make check a able to Discover Card or 13 SDSN6A01 0002930 HITCHINGS, JOSEPH 2413 COPE DR MECHANICSBURG PA L 17055-5355 Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your email address to receive important Account information and special offers. pay online @ Discovercard.com. Go paperless and make your account information more secure uvith password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX' 71084 IIIrr~Ilrrrr~rll~rll~~ILrI CHARLOTTE NC 28272-1084 ~u~i~l~i~ii'~~~~~u~~u~i~ni~~~~ui~u~n~u~~i~~n~n~i~u~~ 00000198645874157163809190200000DOOD1J22500 Discover More Card Account Summary Closing Date: Drt Account number ending in 1547 Previous Balance ' I Payment Due Date January 12, 2009 Payments And Credi Minimum Payment Due $225.00 Purchases i Credit Limit $12,000.00 Cash Advances Credit Available $2,809.00 Balance Triansfers i Cash Credit Limit $6,000.00 finance Chargss ~ Cash Credit Available $0.00 _ New Balance You may be able to reverse side For data 13, 2008 page 1 of 2 $8,842.69 is - 225.00 + .362.55 + 0.00 + 0.00 _ _ + 209.96 _ $9,190.20 avoid Periodic Finance Charges, see the CCShbaCIC BOnUSe Opening Cashback Bonus Balance $ 15.18 New Cashback Bonus This Period + 1.94 Cashback Bonus~Balance $ 17.12 Cashback Bonus® Since Anniversary Month March: $1 1.46 Keep building your rewards with every purr-hose. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Hel YOU? 1 • Visit Discovencom to pay your bill For no cost, view your h latest Account'', information, earn and redeem rewards and more It`s your choice - 3 ways to help 2•. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City,; UT 84130 Transactions $0 fraud Liability Guarantee Use your Disco ver Card with confidence. Trans. Post Data Date Payments and Crodits Dec 12 Dec 12 INTERNET PAYMENT - THAN K YOU $ -225.00 Merchandise/Retail Nov 15 Nov 15 STUBHUB, INC SAN FRANC~ 5000A 318.60 Gasoline Nov 12 Nov 14 TURKEY HILL #0240 Q69 M~ CHANICSBURGPA 34.00 Services Nov 19 Nov 19 EPOCH.COM 1310664581 Q CA 9.95 DISCOVER 28.999'° ~ 1.909'° { 28.99% j 28.99% 28.999'° sled above. $54.08 $0 $0.77 $0 $155.11 $0 $0 $0 $0 $0 n pays to ,..., ,, ..,.,, ~,,,," , ~~SC~VER Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. { `; ~` ~ ~ 'Sign up today at '. Discover.com/paperless R :{ - (' ,,~~ ~t ~"' t t<~2009 Discover bank, Member FDIC Closing Date: December 13, 2008 page 2 of 2 Finance Charge Summary Promotion: 1.90% APR on all purchases made at Air fare/Cruise merchants throu gh 11 /30/08 . Promotional Rate valid through March 2009 statement. Nominal i Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE ; PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2270.05 0.07942% 28.999'° F Air fare/Cruise $498.58 0.00521 ~° 1.909'° F Cash Advances $6510.25 0.079429'° 28.999'° F Balance Transfers $0 0.07942% 28.99% F Balance Transfers $0 0.079429'° 28.99% F The rates that apply to rear AeseurH are either fixN (F) er they may vary (V) o~ QUeSt10nS? Manage your account cit Discover.com or {,~{yL,~,,,~V ~{'~ $10,297.b5v ` $A86.00 Mr V .,,.v I Enter Amount Enclosed Below /" Payment Due Date February 12, 2009 ,please make check payable to Discover Card. Minimumpayment due includes a past due amount of $225.00. 13 SDSN6A01 0002931 HITCHIN6S, JOSEPH L opaperlessandmakeyouraccount nformation more secure with password- 2413 COPE DR rotected statements only you can access. MECHANICSBUR6 PA 17055-5355 'earn more at discoveccomlpaperless. PO BOX' 71084 IIIrr~ILr~r,rllr~ILJLrI CHARLO TE NC 28272-1084 Address, e-mail or telephone changed Print change in space li~l~llrrl~ rl~llrrrlrili~irrll~lrir~irlrr~irl~ir~ri~ri~i~rrl~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638102976500000000 48600 '' Qiscover More Card Account Summary I Closing Date: JtI# nuary 13, 2009 page 1 of 2 Account number ending in 1547 Previous Balance !! $9,190.20 Payment Due Date February 12, 2009 Payments And Cred its - 0•~ Minimum Payment Due $486.00 Purchases. I, + 861.47 Credit Limit $12,000.00 Cash Advances ! + 0.00 Credit Available $1,702.00 Balance Transfers ~ + 0.00 Cash Credit Limit $6,000.00 Finance Charles I + _ _ ,245.98 Cash Credit Available $0.00 New Balance ~ __ ___ ___ _ _ _ _ $10,297.65 You may be able t ovoid Periodic Finance Charges, see the ~ reverse side for de ails. Cashback Bonuse Cashback Bonus® Since Anniversary Month March: $19.68 Opening Cashbac New Cashback B Cashback Bonu 'Bonus Balance nus This Period 'Balance $ 17.12 + 8.22 $ 25.34 How Con We Help You? 1 • Visit Discover.` latest Account: to pay your bill for no cost, view your nformation, earn and rodeem rewards and more Itrs your choice - 3 ways to help 2. Call 1-8oo-DI OVER (347-2683) for fast, easy self-service options or to s eak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Di3 over Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, ' T 84130 lI Transactions $0 Fraud Liability Guarantee Use your Discb4er Card with confidence. Trans. Post Date Date 1 Merchandise/Retail Dec 12 Dec 14 AMZ*AMAZON PAYMENT !AMZN.COM/BILLWA $ 34.98 UMXY981K1NX ~~ F ' Dec 12 Dec 14 :AMZN.COM/BILLWA AMZ*AMAZON PAYMENT ~ 34.98 OPBJTTAVPD 1 ~ Dec 17 Dec 17 ¢COCA STUBHUB, INC SAN FRAN 591.15 Dec 20 Dec 20 WMV*MATCH.COM 800- ~6-5161 TX 1.78 000100054926142 ~ Jan 1 Jan 1 b-5161 TX WMV*MATCH.COM 800-3 74.94 000100055463542 ''~ Jan 12 Jan 12 AMZ*AMAZON PAYMENTS AMZN.COM/BIILWA 12.44 H2DOX6CMWQY Other/Miscellaneous Jan 13 Jan 13 LATE FEE 39.00 Gasoline Dec 29 Dec 29 HESS 38433 WERNERSVILL6 PA 25.30 Travel/Entertainment Dec 24 Dec 24 US AIRWAY503723326639:~32 INTERNET AZ 10.00 AUTOMATIC FLIGHT INSUR,~NCE NO COST Dec 2d Dec 2d US AIRWAYS03723326639'~191 INTERNET AZ 25.00 AUTOMATIC FLIGHT INSUR~NCE NO COST Services Dec 19 Dec 19 EPOCH.COM 1 3 1 066458'1Q CA 9.95 Dec 31 Dec 31 9512PAYPAL *EXPUSE 402-935.7733 CA 1.95 5JE}226TQTYJY DISCOVER a pays ro ~ ~ ..~ ~ ...~, ~....~~ DISC~~VER ~ Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. i Sign up today at ~ ; Discover.com/paperless `:~ i .~..' ~ .~;? . Y. , 032009 Discover [lank, Member FDIC Closing.Date: January 13, 2009 page 2 of 2 __ + Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due dmou t now, or contact us to make other arrangements. ~l i- d a :~ Finance Charge Summary ' '; Average Daily Nominal ANNUAL ' ~ ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE ' PERCENTAGE FINANCE FINANCE Balances Rafes RATES ~ ~ RATES CHARGES CHARGES current billing period: 31 days !, I,' Purchases $3028.94 0.07942% 28.99% F ~28.993b $74.58 $0 Air fare/Cruise $292.42 0.079423'0 28.99% F ,28.99% $7.19 $0 Cash Advances $6669.82 0.07942% 28.993e F '!28.99% $164.21 $0 Tha rata: that apply to your Account an tither fixed (F) or the vary (V) as n~tad above. QUeS1'IOnS? Manage your account at Discover.com or ,!~, ,',I. ~tJ~r~,,.~V tK 510,204.47 ' 5269.00 Payment Due Date March 12, 2009 13 SDSN6A01 0002932 HITCHINGS, SOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 Address, email or telephone changed Print change in space above, or go to Discover.com. Print your emoil address to t to t' f t' d I ff y Enter Amount Enclosed Below $~ Please make check payable to Discover Card or pay online r~ Discovercard.com. Go paperless and make your account 'information more secure with password- pprotected statements only you can access. Learn more at discoveccom/paperless. i PO BOX';~ 71084 ~~~ur~~nnu~~n~~n~~"~ CHARLO~'TE NC 28272-1084 ~u~~~~u~ui~~~~ni~n~~~ni~~~~ni~u~u~n~~u~u~n~i~u~~ receive impor an ccovn m orma ion an specie o e s. 000001986458741571638102044700300000C126900 i Discover More Card Account Summary Closing Dote: F~bruary 13, 2009 page 1 of 2 Account number ending in 1547 Previous Balonce ~~ $10,297.65 Payment Due Date March 12, 2009 Payments And Cre its - .600.00 Minimum Payment Due $269.00 Purchases + 253.34 Credit Limit $10,700.00 Cash Advances i ' + 0.00 Credit Available $495.00 Balance Transfers I,', "I + 0.00 Cash Credit limit $5,400.00 Finance Charges I. I + 253.48 Cnsh Credit Available $0.00 New Balance j ~ $10,204.47 You may be able t ~ avoid Periodic Finance Charges, see fhe reverse side for def ~ ils. Cashback Bonus® Cashback Bonus® Since Anniversary Month Morch: $22.21 CONGRATULATIONSI Your Cashback 8onus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800-347-2683) to redeem. Opening Cashbac(!Bonus Balance $ 25.34 New Cashback Bo us This Period + 2.53 Cashback Bonus Balance $ 27.57 How Can We Help You? 1 • Visit Discover. m to pay your bill For no coat, view your latest Account" Formation, earn and redeem rewards and more ~t'S your choice - 3 ways to hetp 2. Call I-800-D1 OVER (347.2683) for fast, easy self-service options or to s eak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Dis over Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, ~ T 84130 Transactions $0 fraud Liability Guaranies Use your Disc9 er Card with confidence. Trans. Post Date Date Payments and Crodits !an 22 Jan 22 PAYMENT • THANK YOU Feb 13 Feb 13 INTERNET PAYMENT - THA ~ K YOU Services tan 24 Jan 24 EPOCH.COM 1 3 1 066458 1] CA Feb 1 Feb 1 COMCAST CENTRAL PA 80 0-COMCAST DE $ -300.00 -300.00 4.95 243.39 ?I'i Income Gap Protection gives you cash when you need it most -when your inco~e is interrupted by involuntary DISCOVER it pays ro ~ ~ .,, ~~......, ~......, . r~rc~,~~vee• I i, Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement ns soon as it's avai4able rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ~- - iy i) Sign up today at !, ~Discovercom/paperless ~. X2009 Discover Donk, Member FDIC page 2 of 2 i ~I~i i~ ~~ Closing Date: E' bruary l3, 2Q09 i 'i;' Finance Charge Summary ,, Promotion: Expired: 1.90Y° APR on purchases made at Air fare/Cruise merchant, ~ Daily Periodic Rate: 0.00521 %. Nominal. ' Transaction Average Daily ANNUAL 'ANNUAL Periodic Fee Daily Periodic PERCENTAGE . :.,PERCENTAGE FINANCE FINANCE Balances Rates RATES RATE S CHA G S CHARGES current billing period: 3l days Purchases $3382.35 0.07942% 28.999'o F 28.99% $83.26 $0 Air Fare/Cruise $78.04 0.079429'° 28.999'° f "28.99% $1.92 $0 Cash Advances $6836.00 0.07942q° 28.999'° F '28.99% $168.30 $0 Thy ratn.thot pp~ly to popr Aetount ar+~ ~ith~r fix~ei (F) er thray may eery (V) ea 11~t~d eber~, QUeStionS? Manage your account at Discover.com or ~O~Lvt~ S10,411.Oby 13 SDSN6A01 OD02933 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 ~erless and make your account ation more secure with password- ted statements only you can access. more at discover.com/paperless. PO BO)C171084 Illurllnnullullnllul CHARLO','~TE NC 28272-1084 Address, e-mail or telephone change8 Print change in space i 1i~1~~~~i~~i'I~~I~~u~ii~il~n~I~~u~~~i~ii~ii~~nl~i~~~~~li~l~ above, or go to Discover.com. Print your e-mail address to ~;; receive important Account information and special offers. i1i 00000198645874157163810411060000000Qb20600 Discover More Card Account Summary Closing Date: N Account number ending in 1547 Previous Balance; Payment Due Date April 12, 2009 Payments And Cre Minimum Payment Due $206.00 Purchases Credit Limit $10,700.00 Cash Advances ,i Credit Available $288.00 Balance Transfers Cash Credit Limit $5,400.00 Finance Char~es_ Cash Credit Available $0.00 New Balance You may be able''•~ reverse side for de 13, 2009 page 1 of 2 $10,204.47 - .269.00 + 348.35 + 0.00 + 0.00 + 127.24 $10,411..06 avoid Periodic Finance Charges, sea the Cashback Bonuse Opening Cashbac ~~ Bonus Balance $ 27.87 New Cashback B' , us This Period + 3.48 ii Cashback Bonu ~~Balance $ 31.35 Cashback 8onus® Since Anniversary Month March: $25.69 CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1.800-DISCOVER (1.800-347-2683) to redeem. Hel You? H Can W 1 ~ Visit Discovercom to pay your bill for no cost, view your p ow e latest Account information, earn and redeem rewards and more our Choice - 3 wa s to hel It's 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service p y y options or to speak with a Customer Service Account Manager Please have our Discover Card available. y 3. Write us of Discover Cord, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City; UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Gedits Mar 12 Mar 12 PHONE PAYMENT - THANKlYOU ~ -269.00 Merchandise/Retail Mar b Mar b TWX*XKX2S3*MAGAZNF'P&H 877-813-0001 NY 2.00 7063872A-0000023 Mar b Mar b * AZINE 800.920.3667 NY 2.00 TWX SRWW 1P SI MAG 7063900Ar0000023 I Travel/Entertainment Mar 4 Mar 4 UNITED AIRLINES ARC ELI~'GROVE TOWIL 334.40 TICKET NUMBER 7410147558 AUTOMATIC FLIGHT INSURANCE NO COST HOTWIRE ATLANTA G Services Feb 24 Feb 24 EPOCH.COM 13106645 10' CA 9.95 Information For You * *ATTENTlON* * The day of the month that your payment is due will be charigirg. Your new Payment Due Date will be printed at the top of the remiflance coupon on the statement you receive for your billing period that ends after May 1, 2009 Your Payment Due Dafe will continue to be at least 25 days from the Closing Date shown on the billing statement. $206.00 } ~ii Enter Amount Enclosed Below Payment Due Date rd 12, 2004 II' ~ ':f lease make check payable to Discover Card or pav online ~ Discovercard.com. DISCOVER ©ISCVER~ Account number ending in 1547 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's ovailable rother than wait for it to orrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. _., -. '1 Sign up today at '' Discovercom/paperfess R a~ ri,)2009 Discover [teak, Member FDIC 'a Closing Date: Mgrch 13, 2009 page 2 of 2 finance Charge Summary Promotion: Expired: 1.90% APR on purchases made at Air fare/Cruise merchants; Daily Periodic Rate: 0.00521 % Average Daily Nominal ANNUAL !ANNUAL Periodic Transaction Fee Daily Bal Periodic R PERCENTAGE ' RATE ''',PERCENTAGE . '' FINANCE FINANCE ances ates S RATES CHARGES CHARGES current billing period: 28 days Purchases $3406.96 0.043819'° 15.999'° F '15.9996 $41.79 $0 Air Fare/Cruise $1.79 0.04381% 15.99°'° F 15.99% $0.02 $0 Cash Advances $6964.31 0.043819'° 15.99% F ';15.99q° $85.43 . $0 The rates that_opplr to your AccAUnt ah ~ithsr Fixed (f) or they mar vary (V) as; noted above. QUeSt10nS? Manage your account at Discover.com or V~JLr~,_s~V CK 510,496.78 $208.00 ~ Enter Amount Enclosed Below Payment Due Date May 12, 2009 Please make check payable to Discover Card or 'pay online ~ Discovercard.com. 13 SDSN6A01 0002934 ' Go paperless and make your account HITCHINGS, JOSEPH t 'information more secure wdh password- 2413 COPE DR rotected statements only you can access. MECHANICSBURG PA 17055-5355 ?? Learn more at discoveccomlpaperless. i'' ~,' PO B fX' 71084 Illnrllninrllrrllrrlli~) CHAR OTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space I~~I~II~~ ir;ililli~ili~~~lii~llll~iil~il~il~~lliili~liil~liill above, or go to Discover.com. Print your a-mail address to ~ receive important Account information and special offers. ~ I ' 000001986458741571638104967 . 80D269D0~]02D800 Discover More Card Account Summary Closing Date: 'April 13, 2009 page 1 of 1 Account number ending in 1547 Previous Balance ', $10,411.06 Payment Due Date May 12, 2009 Payments And Ct;~dits - 269.00 Minimum Payment Due $208.00 Purchases + 210.98 Credit limit $10,700.00 Cash Advances '~ + 0.00 ~ Credit Available $203.00 + 0.00 Balance TransFer~'' Cash Credit Limit $5,400.00 Finance Char s>rj _ ____ + 143.74 Cash Credit Avai{able $0.00 New Balance = $10,496.78 You may be abl~ fo avoid Periodic Finance Charges, see the reverse. side for details. ~~ Cashback Bonuse Opening Cashl»ak Bonus Balance $ 31.35 New Cashback Bonus This Period + 0.52 ' ,, Cashback Boniis`$alance $ 31.87 Cashback Bonus® Anniversary Month: March CONGRATULATIONS! Your Cashback BonustR) is waiting For you. Visit Discover.com or call 1-800-DISCOVER (1-800.347-2683) to redeem. How Can We Help You? 1 • Visit Discovsr~:com to pay your bill for no cost, view your latest Account innformation, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-800-D~SCOVER (347-2683) for fast, easy self-service options or to~speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Daro Daro Payments and Credits Apr 12 Apr 12 PAYMENT -THANK YOU ) l'l. $ -269.00 Merchandise/Retail Mar 24 Mar 24 DICKS SPORTING GOODS~~M PA 100.78 Gasoline Mar 24 Mar 24 EXXONMOBIL MECHANIG~6~URGPA 34.75 Mar 31 Mar 31 TURKEY HILL #0240 Q69 iV1~CHANICSBURGPA 34.50 Apr 7 Apr 7 EXXONMOBIL MECHANICS~URGPA 31.00 Services Mar 24 Mar 24 EPOCH.COM 13106b458'7'~0 CA 9.95 finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL ' Periodic Fee Daily Periodic ] ,PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES _ CyARGES CHARGES_ current billing period: 31 days Purchases $3529.12 0.04381 % 15.99% F 115.99% $47.93 $0 Cash Advances $7054.89 0.043819; 15.49% F 15.99° $95.81 $0 The rates that apply to your Account an either fixed (F) or they may vary (V) as noted abeve ,; . . ,.....,,......,... ,.,.....~.,,.~....r,.,a~,. ,,,,o .,....,,,,~.~ ~.,,~.~..a~ o~~„~.~y ..~ ~..-.. DISC.V EK $10,411.72 I $206.00 Enter Amount Enclosed Below Payment Due Data ~' June 12, 2009 please make check payable to Discover Card or 'pay online ~ Discovercard.com. I 13 SDSN6A01 0002935 ' HITCHINGS, JOSEPH L 'Gopaperlessandmakeyouraccount Information more secure vnth password- 2413 COPE DR .',protected statements only you can access. MECHANICSBURG PA 17055-5355 Learn more at discover.com/paperless. PO BOX'S 71084 ~~~nr~~uuu~~u~~u~~u~ CHARLO~TE,NC 28272-1084 Address, o-mail or telephone change? Print change in space ~i~~r"rr~i1~r~~ni~n~r~ui~~~~nr~n~n~u~~u~n~n~r~n~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. f~~ l i . 00000198645874157163810411720026900g17~ ~:~ Discover More Card Account Summary '','' Closing Date: Mb Account number ending in 1547 Previous Balance (~ Payment Due Dote June 12, 2009 Payments And Cre~j Minimum Payment Due $206.00 Purchases ( Credit Limit $10,700.00 Cash Advances ' Credit Available $288.00 Balance Transfers' ''`r Cash Credit Limit $5,400.00 Fin_ance_ Charges, Cash Credit Avai{able $0.00 New Balance • ' You may be able to reverse side for detc 0600 13, 2009 page 1 of 1 $10,496.78 s 269.00 + 45.10 - + 0.00 + 0.00 -i---`-^--_±- 13.8.84 - _ --$10,411.72 Svoid Periodic Finance Charges, see the Cashback Bonus® Opening Cashbackonus Balance $ 31.87 New Cashback Bo; us This Period + 0.1 1 it Cashback Bonus~'~alance $ 31.98 Cashback Bonus® Anniversary - - - - ... .... _ ~ ... ... .. .... Month: March CONGRATULATIONSI Your Cashback ~I', Bonus(R) is waiting for you. Visit • Discover.com or call 1-800.DISCOVER {1-800.347.2683! to redeem. How Can We Help You? 1 • Visit Discover.cdm to pay your bill for no cost, view our . latest Account ir)Formation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service Please have our Discover Card available, options or to speak with a Customer Service Account Manager Y 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 ', Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dafe Payments and Credits May 12 May 12 PAYMENT • THANK YOU ~ Il $ -269.00 Gasoline May 4 May 4 TURKEY HILL #0240 Q69 MECHANICSBURGPA 35.15 Serekes Apr 24 Apr 24. EPOCH.COM 1 3 1 0.66458 1Q'800,$93-8871 CA . - .. .. 9.95. _ . ~, i Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE iPERCENTAGE FINANCE FINANCE al n s Rates RATES ~ RATES CHARGES CHARGES current billing period: 30 days ' Purchases $3414.44 0.04381 °n 15.99% F 15.99% $44.87 $0 Cash Advances $7149.77 0.04381 a 15.99q° F ~ 15.999'° $93.97 $0 The rates that apply to your Account are either fixed !F) or they may vary (V) as hated above. B.JIJt,.V CK ~sitis9a.86_ 13 SDSN6A01 0002936 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 .................,,..._,....,,.. .........,.,. , ...,,,,..,, ,,..,,.,.y ~., ..,~. $204.00 ~ Enter Amount Enclosed Below Payment Due Date July 12, 2009 Please make check payable to Discover Card or pay online ~ Diswvercard.com. 'Go paperless and make your account fnformatwn more secure with password- 'pprotected statements only you can access. 'Learn more at discover.comlpaperless. Address, e-mail or telephone changed Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. PO BOX 71084 Illu~llnun~lullr~llnl CHARLOTTE NC 28272-1084 ~u)~Ilu~n~li~ln~~n)iln~~~~~n~luln~n~~ulii~uli~u~~ 00000198645874157163810294860D269000020400 Discover More Card Account Summary Closing Date: June 13, 2009 page 1 of 1 Account number ending in 1547 Payment Due Date July 12, 2009 Minimum Payment Due $204.00 Credit Limii $10,700.00 Credit Available $405.00 Cash Credit Limit $5,400.00 Cash Credit Available $0.00 Previous Balance $10,411.72 Payments And Credits - 269.00 Purchases + 9.95 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges 142.19 + ^____ ~---- - New Balance - - -- --- ---------- = $10,294.86 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 31.98 New Cashback Bonus This Period + 0.02 Cashback Bonux Balance $ 32.00 Cashback Bonus® Anniversary _ - Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1-800-DISCOVER (1-800-347-2483) to redeem. How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8oo•DISCOVER (347-2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 12 Jun 12 PAYMENT -THANK YOU $ -269.00 Services May 24 May 24 1310-6645810EPOCH.COM 800.893-8871 CA 9.95. Finance Charge Summary Nominal Transaction Average Daily ANNUAL !.ANNUAL Periodic Fee Daily Periodic PERCENTAGE 'PERCENTAGE FINANCE FINANCE clan s Rates RATES ?,RATES CF~ARGES CHARGES current billing period: 31 days Purchases $3223.92 0.043819'0 15.99% F 115.99% $43.78 $0 Cash Advances $7245.92 0.04381 °fo 15.99% F ;15.99% $98.41 $0 The cabs that apply to your Account on either fired (F) or they may vary (V) at Hated above C®® „o,. ,.,..,..~..o ..,~~.~.~.,,~.. ~ ,.r,.~....~ ,,,,~ ,.,.,,..,,~.....,....,....,.,..,..y .., ...-.. ®'~CV ER $10,480.19 ~ 5207.00 I Enter Amount Enclosed Below Payment Due Date August 12, 2009 please make check payable to Discover Card or pay online ~ Discovercard.com. 13 SDSN6A01 0002937 HITCHIN6S, JOSEPH L Gopaperlessandmakeyouraccount information more secure with password- 2413 COPE DR protected statements only you can access. MECHANICSBUR6 PA 17055-5355 Learn more at discover.coMpaperiess. Address, e-mail or telephone change8 Print change in space above, or go to Discover.eom. Print your e-mail address to receive important Account information and special ofFers. PO BOX 71084 ~~~nl~~nnu~~u~~n~~ll~ CHA{RLOTTttE `NC ``28`272-1084 `` LJ1lf 111 ll li'~I lllilll lllllllll'llll~l l'l l~ll~llll 1111 11111111 D0000198645874],571638104801900269DD0020700 Discover More Card Account Summary Dosing Date: July 13, 2009 page 1 of 1 Account number ending in 1547 Previous Balance $10,294.86 Payment Due Date August 12, 2009 Payments And Credits - 269.00 Minimum Payment Due $207.00 Purchases + 317.91 Credit limit $10,700.00 Cosh Advances `i' + 0.00 Credit Available $219.00 Balance Transfers ~ ' + 0.00 Cash Credit limit $5,400,00 Finance_Chp- es I __^______ _ + 136_.42 ---~ -- ~ Cash Credit Available $0.00 _ $10,480.19 New Balance i ;, You may be able t~ avoid Periodic Finance Charges, see the reverse side For detbjls. Cashback Bonus® Opening Cashback Bonus Balance $ 32.00 New Cashback Bo us This Period + 0.79 Cashback Bonus glance $ 32.74 -- Cashback Bonus® Anniversary Month: March ; ~ CONGRATULATIONSI Your Cashback ~I Bonus(R) is waiting For you. Visit ' ~ ~~ Discover.com or call 1.800-DISCOVER !I ~1.800-347-2683) to redeem. You? How Can We Hel 1. Visit Discovers ~ to a our bill for no cost, view our ds d ny ' a Q p more an earn and redeem rewar latest Account i rlForm tio ~t15 your choice - 3 ways to help 2. Call 1-800-DIS~bVER (347.2683) For fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discovi~r Card with confidence. Trans. Post Date Date Payments and Credits Jul 12 Jul 12 PAYMENT -THANK YOU $ -269.00 Services Jun 24 Jun 24 1310-4645810EPOCH.COM'800-893-8871 CA 9,95 Jul 1 1 Jul 1 1 COMCAST OF CENTRAL PA '800-COMCAST PA 307.96 24467301 Finance Charge Summary Nominal Transaction Average Daily ANNUAL .ANNUAL periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3036.68 0.043819'0 15,99°'° F 15.999'0 $39.91 $0 Cash Advances $7343.37 0.04381 ~° 15.99% F J 5.99q° $96.51 $0 TM rata that apply to your Aeeoent ere etthsr fixed (F) or they mny vary ~) ae Hated above. ~~~~..t~w:~V ~K $10,482.79 t3 SDSNBAOt 0002938 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 .........._.... _, ..._,.. _,._ ...._,..,,,. , .,,....-... ,...,...~a .,. ...-.. $207.00 '~ Enter Amount Enclosed Below Payment Due Date September 12, 2009 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~nr~~nun~~u~~u~~u~ .CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space I~~I~'I~~f~~~'~~`~~~`~~~~)~~~I)~`~i~)~~I~~)i~~I~~~~~~~~~~I~~if above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458741571638104827900269000020700 Discover More Card Account Summary Closing Date: August 13, 2009 page 1 of 1 Account number ending in 1547 Previous Balance, $10,480.19 Payment Due Date September 12, 2009 Payments And Credits - 269.00 Alinimum Payment Due $207.00 Purchases + 127,50 Credit Limit $10,700.00 Cash Advances + 0.00 Credit Available $217.00 Balance Transfers + 0.00 Cash Credit Limit $5,400.00 Fin_a_nce Char~es_______ ______ _ __+ ____ 144_10 Cash Credit Available $0.00 New Balance = $10,482.79 You may be able to' avoid Periodic Finan ce Charges, see the reverse side For details. Cashback Bonus® Opening CashbackBonus Balance $ 32.79 New Cashback Bonus This Period + 0.31 Cashback Bonus Balance $ 33.10 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1.800.DISCOVER (1-800-347-2683) to redeem. How Can We Help You? 1 • Visit Discover.cain to pay your bill for no cost, view our latest Aceount iriformation, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683( for Fast, easyselfservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 12 Aug t 2 PAYMENT -THANK YOU $ -269.00 Restaurants 1ul 29 Jul 29 MARKETCROSSPUB CARIISLE',PA .33.75 Gasoline Jul 21 1ul 21 EXXONMOBIL MECHANICSBLIRGPA 41.30 Jul 29 Ju129 EXXONMOBILTOWER CITY''PA 42.50 Services 1ul 2d Jul 2d 1310.6645810EPOCH.COM 800.893.8871 CA 9.95 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic ' Fee Daily Periodic PERCENTAGE ' PERCENTAGE FINANCE FINANCE Balances Sates RATES CRATES CHARGES CHARGES current billing period: 31 days Purchases $3168.26 0.04381% 15.993'° F 115.99% $43.03 $0 Cash Advances $7442.13 0.04381% 15.999'o F;15.9990 $101.07 $0 Ths rates that apply to your Account are either Fixed (F) or they may vary (V) as n~tesi above, I ®45C~VER ~sio,9ei:ao` 13 SDSN6A010002939 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 vyuivw vuo n~wuni ivun wai nuuiy n~ IJ'~/ $48b.00_~ ' Enter Amount Enclosed Below Payment Due Date October 12, 2009 please make check payable to Discover Card. You are overlimit. Pay tha sum of the monthly minimum payment plus the overlimit amount of $267.60, Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX!:`;71p84 ~~~ru~~uu~~~)n~~u)~n) CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space ~i~~i~~ii~ir~~~~~~ii)~i~i~iii~~~~~~i~~i~i~~ii~~ii~n~ii~i~ii~~ above, or go to Discover.com. Print your a-mail address to receive important Accovnt information and special offers. ".rl ii' !]1700(]198645874157163810967601]00001]OQ(]486Q1] Discover More Card Account Summary Closing Dale: September 13, 2009 page 1 of 1 Account number ending in 1547 Previous Balance ;'''ail,„ $10,482.79 Payment Due Date October 12, 2009 Payments And Credits 0.00 Minimum Payment Due $486.00 Purchases 'i~ + 221.70 Credit Limit $10,700.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,400.00 __ _____ Finarice Charges ~ _+ _ _ 263.1 1 ~ Cash Credit Available $0.00 ______ Nevr $alance ~ ~ _ $10,967.60 You may be ableto~i~avoid Periodic Finance Charges, see the reverse side for.defuils. Cashback Bonuse Opening Cashbackonus Bnlance $ .33.10 New Cashback 80, us This Period + 0.35 Cashback Bonus® Anrii4ersory - _ Month: March Cashback Bonus'balance $ 33.45 - _;~ ...... _ _ ... - .. .... Hel You? n W H C 1. Visit Discowr,com to pey your bill For no cost, view year p ow a e latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call l •800-DISCOVER (347.2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impnired) see reverse side Salt Lake City,: UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Sep 13 Sep 13 OVERLIMIT FEE $ 39.00 Sep 13 Sep 13 LATE FEE ', 39.00 Gasoline Aug 18 Aug 18 TURKEY HILL #0240 Q69 MECHANICSBURGPA 42.00 Aug 29 Aug 29 EXXONM081L MECHANICSBURGPA 45.75 Sep 7 Sep 7 EXXONMOBIL MECHANICSBURGPA 46.00 Servrcss Aug 24 Aug 24 1310.6645810EPGCH.COM 800.893-8871 CA 9.95 - - - - lnformation for You - . * * ATTENTION * *' Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Nominal Transaction Average Daily ANNUAL '',ANNUAL ' Periodic fee Daily Periodic PERCENTAGE ' :.PERCENTAGE FINANCE FINANCE Balances ~gLQs RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3102,18 0.07942% 28.9990 F ~ 28.99% $76.38 $0 Cash Advances $7584.38 0.079429'° 28.999'° F 28.99% $186.73 $0 The raps that apply to your Acc®unt are eflhar ffxtad (F) or they may vary (V) as noted ciksove IV~~~~;,~-~ • ~~ $11,309.94v i $7b8.00 y~ y vvv f ' Enter Amount Enclosed Belowv~• Payment Due Date $ November 12, 2009 please make check payable to Discover Card. 'You are overlimit. Pay the sum of the monthly minimum payment plus fhe overlimit amount of .$609,94. 13 SDSN6A01 D002940 HITCHINGS, JOSEPH L Gopaperlessandmakeyouraccount 'information more secure with password- 2413 COPE D R ' pprotected statements only you can access. MECHANICSBURG PA 17055-5355 Learn more at discover.comlpaperless. PO BOX' 71084 Illu~llunullnllullrrl CHARLOTTE NC 28272-1084 Address, a-mail or telephone change$ Print change in space I~~I~li~~l~~~l~lln~lul~l~nllllu~~ulnlnllnlnlul~ln~l above, or go to Discover.com. Print your e-mail address to receive important Account inFormniion and special offers. D00001986458741571638113099400000000Q76600 Discover More Card Account Summary Closing-Date: October 13, 2009 page 1 of 1 Account number ending in 1547 Previous Balance ' ' $10,967,b0 Payment Due Date November 12, 2009 Payments And Credits - 0.00 Minimum Payment Due $766.00 Purchases + 78.00 Credit Limit $10,700.00 Cosh Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,400,00 Finance Charc~es 264.34 + Cash Credit Available $0.00 __ __ _ _ ^__ _ New Balance __ __ _ _ - $1 1,309.94 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashback Bonus Balance $ 33.45 New Cashback Bonus This Period + 0.00 Cashback. Bonus Balance $ .33.45 Cesliback BonusiBf Anniver sary - Month: March How Can We Help You? 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) For Fast, easy self-service options or to!speak with a Customor Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, Far TDD (assistance for hearing impaired) see reverse side Salt Lake City,: lJT 84130 Transactions $0 Fraud Liability Guarantee Use your DistoSer Card with confidence. Trans. Post Date Data .Other/Miscellaneous Oct 13 Oct 13 OVERLIMIT FEE $ -39.00 Oct 13 Oct 13 LATE FEE 39.00 Information For You * * * ATTENTION * * * We previously requested the past due amount on your. account. We have no record of receiving payment. The amount due should be paid at once. Finance Charge Summary Average Daily Balances current billing period: 30 days Purchases $3324.58 Cash Advances $7770.25 Nominal ~, Daily ANNUAL ~ ANNUAL Pe dic PERCENTAGE !PERCENTAGE Rate RATES '' I' RATES 0.07942°6 28.993'e F ' ! 28.999'0 0.07942% 28.999'e F i ' 28.99% Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $79.21 $0 $185.13 $0 The tabs that apply to your Account are either Fixed {F) or they may vary (W) as!latsd above. cc CCpp ~vvrv uuwnw wminu uui i uyu wui vuv r~~uuuni ~vwuuei u~y i ~ ®1dC~LR 511,669.73 $1,063.00 ,' Enter Amount EnclosedBelowV Payment Due Date December 12, 2009 '.please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of ;$969.73. 13 SDSN6A01 0002941 HITCHINGS, JOSEPH L Gopaperlessandmakeyouraccount information more secure with password- 2413 COPE DR pprotected statements only you can access. MECHANICSBURG PA 17055-5355 - Cearn more at discover.com/paperless. PO BOX 71084 Il~nrllu~nrllrr~lnl~~~l CHARLOTTE NC 28272-1084 Address,e•mailortelephonechange~Printchangeinspace ~~~~~jj~~j~~~~':~f~~~~~~~j~~~~~j~~~~~~~~~j~~~~~j~~~~~~~~~~~j~~~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. `: 00000198645874157],6381166973000000001!Q6300 Discover More Card Account Summary Closing Date: November 13, 2009 page 1 • of 1 Account number ending in 1547 Previous Balance $11,309.94 Payment Due Dafe December 12, 2009 Payments And Credits - 0.00 Minimum Payment Due $1,063.00 Purchases + 78.00 Credit Limit $10,700.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers > ', + 0.00 Cash Credit limit $5,400.00 Finance Charges' j, + 281.79 Cash Credit Available $0.00 _ _,_, New.Balance ___ _ $1 1,669.73 You may be ab{e'to avoid Periodic Finance Charges, see the reverse side for details. Gnshback Bonus® Opening Cashback'$onus Balance $ ~ 33.4$ New Cashback Bonus This Period + 0.00 Redeemed This'Perod • 33.45 Cashback Bonus® Anniversary Cashbatk Bonus~Balance $ 0.00 Month: March N How Can We Help You? 1 • Visit Discovaec~m to pay your bill for no cost, view your latest Account" i formation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-BOaDIS~OVER (347.2683) for Fast, easy selFservice options or to s ak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Dis over Card, PO Box 30443, for TDD (assistance for hearing impaired) see reverse side Salt Lake City;; ~ T 84130 Transactions $0 Fraud Lfabiifty Guarantee Use your Dsco~'ker Card with confidence. Trans. Post Date Date Other/Miuellaneous Nov 13 Nov 13 OVERLIMIT FEE ' $ 39.00 Nov 13 Nov 13 LATE FEE 39.00 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements For future payments should be made immediately. Finance Charge Summary Nominal - Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE - PERCENTAGE FINANCE FINANCE ale ces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3485.00 0.07942% 28.99ge F ' 28.999e $85.80 $0 Cash Advances $7960.70 0,07942% 28.99% F ' 28.99% $195.99 $0 The rates that apply to your Acoount a-s either fixed (Fj or they may vary (Vj as noted above. Discover(R) giR cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card -plus get FREE shipping. ~~J~~;V tK 512,029.00 $1,360.00 ~ Enter Amount Enclosed Below Payment Due Date $ January 12, 2010 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of ' $1,329.00. 13 SDSN6A01 0002942 HITCHINGS, JOSEPH L. ; Gopaperlessandmakeyouraccount information more secure with password- 2413 COPE DR protected statements only you can access. MECHANICSBURG PA 17055-5355 ;Learn more at discovercom/paperless. PO BQX'' 71084 ~~~rn~~unn~~u~~n~~u~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone chartge~ Print change in space ~~~~~~~~~~~~~~i~~~~~`~~~~~~~~~~`~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ above, or go fo Discover.com. Print your e-mail address to receive importont Account information and special offers. 00000198645874157163812029000000DOOb136000 _. Discover More Card Account Summary Closing Dater December 13, 2004 page 1 of 1 Account number ending in 1547 Previous Balance $1 l,bb9:73 Payment Due Date January 12, 2010 Payments And': Credits - 0.00 Minimum Payment Due 360.00 $1 Purchases + 78.00 Credit Limit , $10,700.00 Cash Advances '; + 0.00 Credit Available $0.00 Balance Transfers • + 0.00 Cash Credit Limit $5,400.00 Finance Charc~as;l. _ 1.27 28 + Cash Credit Available $0.00 __ _ New Balance; ~ __ _ ____ _ $12,029.00 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. i Cashback Bonus® Cashback Bonus® Anniversary Month: March Opening Cos back:Bonus Balance New Cashbo k Bonus This Period Cashback BOnSS Balance $ 0.00 + 0.00 $ 0.00 How Can We Help You? 1. Visit D~scovs~, om to pay your bill for no cost, view your latest Accounk nformahon, earn and redeem rewards and more ~trS our choice - 3 wa s to hel 2. Call 1 804D~ COVER (347-2683) for fast, easy self-service Pleas~ve our Discover Card )vailable. P options onto ~s~eak with a Customer Service Account Manager y 3. Write us ot'Didcover Card, PO Box 30943, For TDD (assistance For hearing impaired} see reverse side Salt Lake City,!UT 84130 Transactions $0 Fraud Liability Guarantee Use your L)isedver Card with confidence. Trans. Post ;~ ' Date Data ' ~ Other/Miscellaneous Dec 13 Dec 13 OVERLIMIT FEE ' Dec 13 Dec 13 LATE FEE , 39.00 39.00 Information For You ;'' * * * ATTENTION * * * Your account is seriously past due. Payment of the amiount due and arrangements for future payments should be made immediately. ~ ',I, finance Charse Summary ' Nominal Transaction Average Daily ANNUAL ~ ANNUAL Periodic Fee Daily Periodic PERCENTAGE" PERCENTAGE FINANCE FINANCE Balances Rates RATES ' RATES CHARGES CHARGES current billing period: 30 days Purchases $3649.32 0.07942% 28.999'o-',f !, j 28.99% $86.95 $0 Cash Advances $8155.80 0.07942% 28.99%''F "', j 28.999'0 $194.32 $0 Tha rats that apply to your Aceount are either fixed (f) or they may vary (V) as noted above. Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase'fee of each gik card -- plus get FREE shipping ®0$C\/E~ ~Si2,aiiuii~ 13 SDSN6A01 0002943 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 wr,,,o,,, ~ ,,,~ , $1,68b.00 ~ I;, Enter Amount Enclosed Below V Payment Due Date ' $ February 12, 2010' ' IFlease make check payable to Discover Card. ''Minimum ayyment due includes a past due '6mount ofp$1,360.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. ~; PO BOXII71084 ~~~"'~~"""~~"~~"~~"~ CHARLOfiTE NC 28272-1084 Address, e-mail or telephone change? Pi•intchange in space ~ri~r~~t~iri~i~~ni~n~r~ni~~~~ui~n~u~n~~n~n~ri~i~n~~ above, or go to Discover.com, Print your e-mail address to receive important Account information and special oFfers. OOOD01986458741571638124171700DOD0001~68600 " i _ Discover More Card Account Summary ~ Closin Date; Ja 9 u ua 13, 2010 page 1 of 1 rY 4ccount number ending in 1547 Previous Balance '', $12,029.00 'ayment Due Date February 12, 2010 Payments And Gredl ~ ts - 0.00 ~ Minimum Payment Due $1,686.00 Purchases. + 78.00 Credit Limit $10,700.00 Cash Advances IJI + 0.00 Credit Avoilable $0,00 Balance Transfers '" + 0.00 Cash Credit Limit $5,400.00 finance_Char9ss ______!____,+ 310.1_7 Cash Credit Available $0.00 New Balance $12,417.17 You may be able t void Periodic Finance Charges, see the reverse side Foi' del i Is. Cashback Bonus® Opening Cashbai: onus Balance $ 0.00 New Cashback'$o l 's This Period + -0.00 ., Cashback Bongs; glance $ 0.00 Cashback Bonus® Anniversary _ i ...... _ .. _ . .. Month: March ~~~~ You? 1 • Visit Disi:over~c' How Can We Hel ' to pay your bill for no cost, view your d p latest Accoun moi rmation, eam and redeem rewards an ~t'S your choice - 3 ways to help 2. Call 1.80aD16, bVER (347-2683) for Fast, easy self-service options or fo ;; , ak with a Customer Service Account Manage Please have our Discover Card available. y 3. Write'us of Dl 'ver Card, PO Box 30943, For 7D0 (assistance For hearing impaired) see reverse side Salt Lake City,,, 84130 Transactions $0 fraud Liability Guarantee Use your.''Dscp r Card with confidence. Trans. Post Date Date ~ ~ 1 I Other/Miscellaneous tan 13 Jan 13 OVERLIMIT FEE ~ ~; ~', $ 34.00 Jan 13 Jan 13 LATE FEE ! ! ' 39.00 Information For You '~ j '' * * * ATTENTION * * * Your account is seriously past due. Payment of the amo ~ t due and arrangements for future payments should be made immediately. ' ~ ( ~i 1 • j~~ -. ~ _ ... -- '! 'i Finance Charge Summary - Nominal. ? Transaction Average Daily ANNUAL "' i ANNUAL Periodic Fee I Daily Periodic PERCENTAGE l PERCENTAGE FINANCE FINANCE Balances Rates RATES ;, ~ .RATES CHARGES CHARGES current billing period: 31 days {j Purchases $3819.28 0.08216% 29.99% V ;i ~ 9.99% $97.27 $0 Cash Advances $8359.15 0.08216% 29.999'° V '~ , 29.995'° $212.90 $0 The rates that alsrlY to your Aeeeunt ore either fixed (F) er they mqy eery (Y)laa ' tsd above. 'I I ~~~~,,~~~~ $12,776,35 I $2,022.OOyr r rV~i ~' Enter Amount Enclosed Below V'. Payment Due Date 4 March 12, 2010 Please make check payable to Discover Card. 1 mimum payment due includes a past due mount of $1,686.00. 13 SDSN6A01 0002944 HITCHINGS, JOSEPH L opaperlessandmakeyouraccount iiftformatwn more secure with password- 2 413 CD P E D R rotected statements only you can access. MECHANICSBURG PA 17055-5355 ~earnmoreatdiscover.com/paperless. i nr rnnr n n u PO BOX71084 ~~~ ~~ ~~ ~~ (~ ~ CHARLO,4TTE NC 28272-1084 Address, email or telephone change$ 'tt~~~iiirt~i~iitt~~tt~t~i~t~~i~~tt~~t~~i~tt~~ii~i~ittit~u~i Go to vrww.Discover.com or print change in space above. 0000019864587415716381277635000~Q~00 0220D I Date: January 14, ZV IU - Closing Uafe: tebr Discover More Card Account Summary Account number ending in 1547 Previous Balance $12,417.17 Payments And Credits - 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 320.18 Other fees t + 39.00 New Balance $12,776.35 See Finance Charge Summary secti on following transactions for detailed APR information Credit Line $10,700.00 Credit Line Available $0.00 Cash Advance Credit Line $5,400.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transaction detail For a description of any fees charged.) Cashback 8onus® Anniversary Month March Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance ~ $ 0.00 To learn more, log in at www.Discover.com and select Rewards 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1-800.347.2683 Please have your Discoverer card availab e. uary 13 201t page f 2 r _ New Balance, $12,776.35 Minimum f' eat Due* $2,022.00 Payment Due ate _ March 12, 2010 *Icludes pq~ due amount of $1,686.00 late Pdymsn aming: IF we do not receive your minimum payment,by,t date listed above, you may hove to pay a late Fee of up to,~' 9.00 and your purchase APRs For new transactions'. ' oy be increased up to the Default APR of 29.999'd van !~ le. Minimum Pq~) , eat Warning: IF you make only the minimum payment ea period, you will pay more in interest and it will take youj Ion ' r to pay off your balance. For example: If;~ou mp _ e',°, Ydu will pdy aft tfie And you wt I eid additional cE~ rges balance shown art. up paying an using this car` and this statement m estimated total of. . each month,y~u pay::. about,. Only the m i'~ imum 54 years $62,669 'paym i t If you would I e information about credit counseling services, call 1-800.3 -1121. ~' r h Manage';,{! ur Account Online at vvww.Discover.com Accesslfd :online tools like Paydown Planner to create a plan fo pay d` 'n your balance, securely access statements, pay bills onli and easily track all transactions 3. Write to us at Discover, PO Box 30943, Mpkely ~ money worth moreSM-find easy ways to earn Salt Lake City, UT 84130 and red' ' M cash rewards For TDD (Telecommunications Device for the DeaF~ NEWI q' less our account secure) thcou h our, assistance, p{ease call 1.800-347-7449. mobile q° ne y y g y I! Transactions ~ l~ Trans. Post i( Date Date i' Other/Miscellaneous Feb 12 Feb 12 LATE FEE $ 34.00 Fees TOTAL FEES FOR THIS PERT ~ 39.00 Interest Charged INTEREST CHARGE ON PIJf~ ~~HASES .101.79 INTEREST CHARGE ON CAS ADVANCES 218.39 INTEREST CHARGE ON BA ~, CE TRANSFERS 0.00 TOTAL INTEREST FOR'THIS lOb 'i;l 320.18 DI~CVER nPays,o ,...~„ ..,~,,.,~., , p~SCvER ;~ Account number ending in 1547 ~; page 2 0l 2 Finance Charge Summary Average Daily current billing period: 31 days Balances aily Periodic Rates d Nomi 1~ ANN ' PERCE : ' ;RATES ~ 1 ` AGE NNUAL PERCENTAGE RATES eriodic FINANCE CHARGES Other Fee FINANCE CHARGES Purchases $3,996.72 0.0821696 29:4 li a ' V 29.99% $101.79 $0 Cash Advances $8 574.69 0.08216 0 29.SI51. V 29.990 $218.39 $0 V =Variable Rate Information For You * * * ATTENTION * * * Yavr account is seriously past due. Payment of the art payments should be made immediately. , due and arrangements for future ~~'. ~' ,'- I Pi '' ~''', i ~~, ~~ f~ ~ I<< ~i! ,;~, ~~i ;' i, ~f µl ~~ i ~. ~~' ~~t ICI I ~ I",j ~l" Questions? visit www.Discover.com or ;i! ~ _~ .._.. __._...._ ............... . ..r.,,..... ~..,, ~~.~`.°.~.wt~ S13,112.5b I 52,335.00 Payment Dve Dater April 12, 2010 13 SDSN6A01 0002945 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 New Bclanc Minimum Pc Payment Du *Includes p< Late Pcymei payment by fee of up to transactions 29.9990 vas PO; BO} CHARLC Address, e-mail or telephone change8 Inl Inlh Go to vrww.Discover.com or print change in space above. 000001986458741571638131125600000000 i Opening Date: February 14, 2010 - Closing Date: March 13, 2010 Discover More Card Account Summary Account number ending in 1547 Previous Balance $12,776.35 Payments And Credits - 0.00 Purchases + 0.00 i Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 297.21 Ctther Fees t + 39.00 New Balance $ l 3,1 l 2.56 See Finance Charge Summary section following transactions for detailed APR information Credit line $10,700.00 Credit Line Available $0.00 Cash Advance Credit Line $S,d00.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic finance Chnrges, see the reverse side for details. I tSee transaction detail For a description of any fees charged.) Cashback Bonuse Anniversary Month March Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance - ----_ _---~$__~~_~---0.00 To learn more, log in al www.Distover.com and select Rewards Minimum Pi payment ea take you for ~; .. ~ ~ ,. Enter Amount Enclosed Below lease make check payable to Discover Card. ou are overlimit. Pay the sum of the monthly j mimum payment plus the overlimit amount of 2,412.56. paperless and make your account rmation more secure with password- :ected statements only you can access. rn more at discover.com/paperless. 21084 Illrnllnunllnllul lul 'TE NC 28272-1084 Irll~~rlr~i~lrr~llllr~~lr~l~~lrrllr~l~~lrrlrl~rll 33500 elof2 $13,112.56 Due* $2,335.00 April 12, 2010 due amount of $2,022.00 Naming: If we do not receive your minimum date listed above, you may have to pay a late 9.00 and your purchase APRs For new ay be increased up to the Default APR of Went Warning: IF you make only the minimum period, you will pay more in interest and it will r to pay off your balance. For example: If jjilu rtta e`' You will; pay off the Anil'you wil! end additiatwl c ryes ' balance hown on up paying an using this cah ~ and this stptemant m estimated total ot.., each niianth' • u pay.,: abatist., Only~,ithe {timum 79 years $122,225 paym t 1f you would ke information about credit counseling services, call 1-800.3 ~ -1121. 3 Easy Ways to Contact Us Manage 1. Access your account securely at vrvrw.Discover.com Access 2. Call 1-800.DISCOVER (1-800-347-26831 to ay bills Please have your Discovery card available. on 3. Write to us at Discover, PO Box 30943, Make 1 Salt lake City, UT 84130 and re< For TDD (telecommunications Device For the Dealt NEWT assistance, please call 1.800.347-7449. mobile Transactions Trans. Post Date Date Other/Miscellaneous Mar 13 Mar 13 LATE FEE foes TOTAL FEES FOR THIS PERK Interest Charged INTEREST CHARGE ON PU INTEREST CHARGE ON C~ INTEREST CHARGE OM BA TOTAL INTEREST FOR THIS ur Account Online at www.Discover.com ~ online tools like Paydown Planner to create a plan m your balance, securely access statements, pay and easily track all transactions money worth morest"t-Find easy ways to earn n cash rewards ;ess your account securely through your ADVANCES SCE TRANSFERS 39.00 39.00 95.1 1 202.10 0.00 297.21 DISCOVER DISC$,VER' Account number ending in 1547 page 2 of 2 Finance Charge Summary '' ~' Nomi I Other Average Daily ANN L ANNUAL Periodic fee Daily current billing period: 28 days Balances Periodic Rates PERCE RATES AGE PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES Purchases $4,134.15 0.08216% 29A i V 29.99% $95.11 $0 Cash Advances $8,784.92 0.08216% 29.9. I~ e V 29.99% $202.10 $0 V =Variable Rate QUeSt10nS? Visit www.Discover.com or VIJC.>~V !tK so.oo -~~-~~-- 31 SDSN6A01 0002946 HITCHINGS, JOSEPH L 2413 COPE DR MECHANICSBURG PA 17055-5355 $2,598.00 Payment Due Date. I April 28, 2010 i" ' i+ ,, Enter Amount Enclosed Below ~~ paperless and make your account rmation more secure with password- ,ected statements only you can access. rn more at discover.comlpaperless. P ': ~ ', I +' I P0'', BOX 1,6103 ~~~nr~~rnu~~uu~~r~~n~ CAROL,' TREAM IL 60197-6103 Address, e-mail or telephone change$ I'~i~ll~~~l ail'~ii~i~iii~~~~~~iii~~~~ii~~i~ii~~~i~ii~i~i~ii~~ Go to www.Discovsr.com or print change in space above. ~ I. .I~II'. OD00019864587415716380~~0000000170~~0~'.59800 Opening Date: March 14, 2010 - Closing Date: March 31, 201,0 Discover More Card Account Summary Account number ending in 1547 Previous Balance $13,112.56 Payments And Credits - 13,1 12.56 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 ,Finance Charges + 0.00 Other Fees t + 0.00 _ New Balanca $0.00 I, See Finance Charge Summary section Following transactions Far detailed APR information Credit Line $10,700.00 Credit Line Available $0.00 Cash Advance Credit Line i Cash Advance Credit Line Available $5,400.00 $0.00 t See transaction detail for a description of any fees charged.) Cashback Bonus® Anniversary Month March Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balanca $ 0.00 To learn more, log in at www.Diecover.com and ielecl Rewards ~~ - ana-rer NEWT mobile 3 Easy 1 1. Access 2. Call 1- Please 3. Write t Salt La{ For TDD R~ assistance, slofl jur Account Online at www.Discover.com cess statements and Free online tools, pay bills hi iitrack and view all transactions simply and easily ~N ..money worth morel-find easy ways to earn s m-cash rewards 1~~ess your account securely through your ~s to Contact Us • account securely at www.Discowr.com DISCOVER ~1-800.347.26831 your Discover®card ovailab e. at Discover, PO Box 30943, ty, UT 84130 ~mmunications Device for the DeaF) ise call 1-800.347-7449. Transactions Trans. Post Dafs Dale Payments and Crodits Mar 31 Mar 31 INTERNAL CHARGE-OFF Fees TOTAL FEES FOR THIS PERIL Intsroat Charged TOTAL INTEREST FOR THIS Payment ' tormation i New Balanc $0.00 Minimum Pa~ ~' eat Due $2,598.00 . Payment Dua ~ ate April 28, 2010 Late Paymen~jWarning: If we do not receive your minimum payment by t e date listed above, you may have to pay a late Fee of up toi 9.00 and your purchase APRs for new transactions ~ ay be increased up to the Default APR of 29.99$'o va[i ble. I, Finance Charge Summary Average current billing period: 18 days Da~anees Purchases $0 Cash Advances $p V =Variable Rate $ -13,112.56 0.00 0.00 ~ Nom ,i al Other Daily ANN #1L ANNUAL Periodic Fee Periodic PERC ~JTAGE PERCENTAGE FINANCE FINANCE Rates RATE ( RATES CHARGES CHARGES 0.082169b. '29.4 ~?~/o V 29.99% $0 $0 0.08216% 29.9 y~e V 29.99% $0 $0 ~~I DISCOVER BANK : IN THE COURT OF COMMON PLEAS OF :CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. NO. 10-3903 JOSEPH L. HITCHINGS :CIVIL ACTION -LAW Defendant DEFENDANT'S ANSWER TO PLAINTIFF'S REQUEST FOR ADMISSIONS AND NOW, this 'z3' day of September, 2010, comes the Defendant, Joseph L. Hitchings, and answers Plaintiffls Requests for Admissions as follows: ~~sir RE4ULS"1' FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in }'laintifl's Complaint. Admitted XXX Denied If the answer to Request for Admissions No. 1 is ``denied", then supply specific written documentation supporting the denial. RE UES1'_FOR ADMISSION NO. 2: 1'he attached monthly statements, from April 13, 2004 through March 31, 20]0, correctly identify the payments, charges, and balances on the account. Admitted Denied XXX If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial. Statements include fees that were to be suspended while the account was in a negotiated repayment status. RE UCST FOR ADMISSION NO. 3: The last payment on the account was made on August 12, 2009. Admitted XXX Denied lithe answer to Request for Admissions No. 3 is "denied", then supply specific written documcntation supporting the denial. REQUEST FOR ADMISSION NO, 4: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied XXX If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies. See Defendant's Answer to Complaint. REQUEST FOR ADMISSION NO. 5: $13,112.56 is a correct and accurate current balance of the credit card account in question. Admitted Denied XXX If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial. See Answer to Request far Admission No. 2: espectf lly Submitted .. oseph L. Hi ings 5000 Ritter oad, Suite 202 Mechanicsburg, PA 17055 717-458-8123 717-790-6019 Fax Attorney ID No. 65551 llF,FI+:NDAN'I''S VERIFICA'I'lUN I, ~b~Sz,O~. L . ~.,h~ , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. V D a t e'' "'~~~~'~~~~ ' ' ' ' " ~~~~ 9 ignature CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff s Motion for Summary Judgment has been served by U.S. Mail, Postage Pre-Paid, on ~~~ay of ~'~bQj~ , 2010 upon the following: Joseph Hitchings,Esquire Rossmoyne Business Center 5000 Ritter Rd, Suite 202 Mechanicsburg Pa 17055 By B j in abler, Esquire PA I. 3598 WEL N, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR No. 8330520 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK C-- Plaintiff -1 ? rn t "- ? vs. Civil Action No. 10-3903-CIVIL TERM r*i r JOSEPH L HITCHINGS BCD Defendant v = c>-n = c-a rl C ;> co --i cy> n PRAECIPE FOR JUDGMENT BY CONSENT TO THE PROTHONOTARY: Kindly enter Judgment against Defendant, Joseph L. Hitehings, in the amount of $15,920.69 plus costs, based upon the consent of the parties. CONSENTED TO: WELTMAN, WEINBERG & REIS CO., L.P.A., By: Attorney or in ff WWR#8330520 JOSEPH L HITCHINGS, 6vm4,0 lylb ?d 4"Y et,4 -<Zoa9Q1 jy#;?55170 '\bfi'ce ? of le d IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No. 10-3903-CIVIL TERM JOSEPH L HITCHINGS Defendant STIPULATION OF THE PARTIES FOR PAYMENT AND FOR THE ENTRY OF JUDGMENT BY CONSENT TO THE PROTHONOTARY: Kindly enter Judgment in favor of Plaintiff and against the Defendant, Joseph L. Hitchings, above-named, in the amount of $15,920.69 pursuant to the Stipulation of the Parties for Payment and for the Entry of Judgment by Consent, as follows: Defendant admits indebtedness to Plaintiff in the amount of $15,795.69 with continuing interest thereon at a rate of 6.00% per annum from the date of judgment, plus attorneys' fees in the amount of $125.00 and costs. To secure the repayment of said indebtedness, Defendant agrees that Judgment by Consent will be entered in favor of the Plaintiff and against the Defendant, Joseph L. Hitchings, in the amount of $15,795.69 plus continuing interest thereon at the rate of 6.00% per annum from the date of judgment, plus attorneys' fees in the amount of $125.00 and costs. Plaintiff agrees not to Execute on its Judgment so long as Defendant causes to be delivered to Plaintiff the following payments in full by 12:00 NOON on the following dates: (a) $300.00 due by December 30, 2010; (b) no less than $300.00 per month due by the end of each consecutive month thereafter, with the last payment of $300.00 due December 30, 2011. (c) $400.00 due by January 30, 2012. (d) no less that $400.00 per month due by the end of each consecutive month thereafter until the Judgment amount plus accrued interest and costs are paid in full. 4. All payments are to be made payable to the order of "DISCOVER BANK" 5. The first payment due under this agreement is to be received at the offices of Weltman, Weinberg & Reis, Co., L.P.A., 436 Seventh Avenue, Suite 1400, Pittsburgh, PA 15219. All future payments are to be mailed to the offices of Weltman, Weinberg & Reis, Co., P.O. Box 5430, Cleveland, OH 44101-0430. 6. In the event of default, each payment received shall be first attributed to costs, interest and then to principal. 7. Time is of the essence of this agreement and should the Defendant fail to have in the hands of Plaintiff or Plaintiff's counsel any payrnent in full within five (5) calendar days of the stated due date, then Plaintiff shall be immediately free to issue Execution as well as pursue all other remedies, in law or in equity, to collect the full balance of the Judgment entered hereunder plus appropriate additional interest and costs. 8. No act or omission of the Plaintiff, nor of anyone alleged to be acting on its behalf, shall constitute a waiver, estoppel, or any other excuse for non-performance of any duty undertaken by the Defendant in this Stipulation which the parties agree is final and complete. 9. Intending to be legally bound, the parties set their hands and seals this 3 day of Ar -.? 20 0 . WELTMAN, WEINBERG & REIS CO., L.P.A. By: N- k- 1-11 tD. j in Bibler, squire PA 93598 WELTM N iINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#8330520 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy 2012 PLAY 16 PM 2:51 Richard W Stewart Solicitor OFf,CECF'- -ER!FF CUMBERLAND COUNTY PENNSYLVANIA Discover Bank Case Number vs. Joseph L. Hitchings 2010-3903 SHERIFF'S RETURN OF SERVICE 05/11/2012 01:56 PM - Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on May 11, 2012 at 1356 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: Joseph L. Hitchings, in the hands, possession, or control of the within named garnishee, Wells Fargo Bank, 604 E High Street, Carlisle, Cumberland County, Pennsylvania 17013, by handing to Kait Filipelli, Personal Banker/Security Officer personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on May 15, 2012 to Joseph L. Hitchings at 2413 Cope Drive, Mechanicsburg, PA 17055. SO ANSWERS, May 15, 2012 RON R ANDERSON, SHERIFF oah Cline, Deputy f6 CountySuite Sheriff, Teleosoft. lint. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 10-3903 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due DISCOVER BANK Plaintiff (s) From JOSEPH L. HITCHINGS, 2413 COPE DRIVE, MECHANICSBURG, PA 17055 (1) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: WELLS FARGO BANK, 604 EAST HIGH STREET, CARLISLE, PA 17013 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$11,945.69 Interest $890.52 Atty's Comm % Atty Paid $174.50 Plaintiff Paid Date: MAY 8, 2012 L.L.$.50 Due Prothy $2.25 Other Costs (Seal) REQUESTING PARTY: Name MATTHEW D. URBAN, ESQUIRE Address: WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Ueputy Supreme Court ID No. 90963 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No. 10-3903 CIVIL TERM !?A )`loss V JOSEPH L HITCHINGS 9q13 L-V?c Defendant(s) -^- rn 42? WELLS FARGO BANK j ID04 5 < ' --i, Garnishee(s) ` Z: PRAECIPE FOR WRIT OF EXECUTION :co - - m ` c' 5c:: c^ : TO THE PROTHONOTARY: Kindly issue a Writ of Execution in the above matter... I . directed to the Sheriff of CUMBERLAND County: 2. against JOSEPH L HITCHINGS , Defendant 3. against WELLS FARGO BANK... Garnishee 4. Judgment Amount $ Less Payments/credits received $ Interest $ Costs $ SUBTOTAL: $ Costs (to be added by Prothonotary): $ -7. oo « ? M ?t 4 $15,920.69 C? $3,975.00 $890.52 $12,836.21 WELTMAN, WEINBERG & REIS CO., L.P.A. By: Matthew D. Urban, Esquire PA I.D. #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 D. as d LL WWR No. 83330520 \ \N' l'[ bC ?C _ .1 J IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No. 10-3903 CIVIL TERM VS. P ECIPE FOR WRIT OF EXECUTION JOSEPH L HITCHINGS Defendant(s) WELLS FARGO BANK Garnishee(s) FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Matthew D. Urban, Esquire PA I.D. #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR No. 8330520 SIRLIN GALLOGLY & LESSER, P.C. By: Jon C. Sirlin, Esquire Identification No.: 17498 123 South Broad Street, Suite 2100 Philadelphia, PA 19109 (215) 864-9700 Attorney for Garnishee DISCOVER BANK 'Fi''SYL\'.,", N IA COURT OF COMMON PLEAS COUNTY OF CUMBERLAND VS. JOSEPH L HITCHINGS : NO. 10-3903 and WELLS FARGO BANK N.A. GARNISHEE ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf Wells Fargo Bank, N.A., Garnishee in the above-captioned matter. Date: ??"?? 1 SIRLIN GALLOGLY & LESSER, P.C. By: Jon C. Sirlin, Esquire Identification No.: 17498 123 South Broad Street, Suite 2100 Philadelphia, PA 19109 (215) 864-9700 Attorney for Garnishee DISCOVER BANK VS. JOSEPH L HITCHINGS and COURT OF COMMON PLEAS COUNTY OF CUMBERLAND : NO. 10-3903 WELLS FARGO BANK N.A. GARNISHEE ANSWERS TO INTERROGATORIES IN ATTACHMENT TO: DISCOVER BANK 1. No. 2. Account titled Joseph L Hitchings(2070) with a balance of $1.00, an account titled Joseph L Hitchings(7411) with a zero balance, and an account titled Joseph L Hitchings(6877) with a balance of $313.14. The total sum of $414.14 has been restricted pursuant to this Writ. Pursuant to the terms and conditions of the deposit agreement between the bank and the depositor, the bank claims a priority lien in, and a right of set-off against the account consisting of $100.00 Legal Processing Charge, leaving a balance for execution purposes of $314.14. In addition, pursuant to 42 Pa.C.S.A. Section 2503, a garnishee's attorney fee in the minimum amount of $335.00 is authorized and will be deducted from the attached funds. Defendant also maintains a safe deposit box titled Joseph L Hitchings(2069) located at the Colonial Park Branch in Pennsylvania. Entry to said box has been restricted pursuant to this Writ. An appropriate Order of Court is required to open the box pursuant to Pa.R.C.P. Section 3110. See New Matter set forth below for further answer and defense. 3. - 6. No. 7. (Q) If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which funds are deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law? (A) No. j 8. (Q) If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which the funds on deposit, not including any otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C.S. § 8123? (A) In addition to any amounts disclosed above, if any, as of the date of the execution of the Verification to these Answer an account titled Joseph L Hitchings(6877) contained the sum of $300.00, which is not being held because Garnishee believes that it is exempt pursuant to Section 8123 of the Judicial Code, 42 Pa.C.S. Section 8123. NEW MATTER YOU ARE HEREBY NOTIFIED TO PLEAD TO THE ENCLOSED NEW MATTER WITHIN TWENTY (20) DAYS OF SERVICE THEREOF OR A DEFAULT JUDGMENT MAYBE ENTERED AGAINST YOU. herein. 9. Garnishee incorporates Answers one through eight above as though fully set forth 10. In order to execute upon the contents of the safe deposit box described hereinabove, plaintiff must proceed pursuant to Pa.R.C.P. Section 3110. Dated: G ? A Legal order Processing P. O. Box 7600 Philadelphia, P r VERIFICATION V Lisa Burke, being duly sworn according to law, deposes and says that she is the Writ of Execution Administrator of Wells Fargo Bank, Garnishee herein, ar es verifies that the statements made I the forgoing Answers to interrogato shee understands that. are true and correct to the best of knowledge: Sa de of 18 Pa. C.S. Section false statements her are made subject to P Ines. 4904, relating to sworn falsification to author Lida e Manager Dates F I rO WELTMAN, WEINBERG & REIS CO., L.P.A. BY: William T. Molczan, Esquire I.D. No.47437 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 8330520 Attorney for Plain s i 5C `? tC' O COU"' f ' DISCOVER BANK vs. JOSEPH L HITCHINGS, and WELLS FARGO BANK Garnishee(s) CUMBERLAND County Court of Common Pleas NO. 10-3903 CIVIL TERM PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION TO THE PROTHONOTARY: Kindly mark the above matter discontinued and ended as to Garnishee(s), WELLS FARGO BANK,, only. WELTMAN, WEINBERG & REIS CO., L.P.A. By__ William T. olczan, uire Attorney for Plainti a*-0q.safxl Q? b,W I oSStJ R C, q P?a-7 (p S2- SIRLIN GALLOGLY & LESSER, P.C By: Jon C. Sirlin, Esquire, I.D. No.: 17498 123 South Broad Street, Suite 2100 Philadelphia, PA 19109 (215) 864-9700 Attorney for Garnishee DISCOVER BANK ' sN 12: ci 20 Fill BE LANID COUNT' COURf ? PLEAS COUNTY OF CUMBERLAND VS. JOSEPH L HITCHINGS and NO. 10-3903 WELLS FARGO BANK N.A., GARNISHEE : ATTORNEY I.D.#17498 BILL OF COSTS OF GARNISHEE, WELLS FARGO BANK, N.A. Garnishee, Wells Fargo Bank, N.A., hereby bills the following costs to the fund attached and will be satisfied therefrom, as authorized by 42 Pa.C.S.A. Section 2503: Garnishee's fee pursuant to 42 Pa. C.S.A Section 2503: 314.14 Notary Charges: 0.00 Entry of Appearance: 0.00 Answers to Interrogatories: $ 0.00 Order to Discontinue or Satisfy: 0.00 Other: $ 0.00 AL: v 314.14 Jyeyttoey Ao Garnishee Costs are hereby taxed in the amount of $ day a&N , 2012. AF In BY: