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HomeMy WebLinkAbout10-5080 Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054 Plaintiff, VS. SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 Defendant. 2C, it0 aolo ?1vNr3 ,Pna a'33 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: ? D - 5MO am I term NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 34 S. BEDFORD ST. CARLISLE PA 17013 717-249-3166 O Oa'.DO Pp Airy Q,' 2q (? aa3 J Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054 Plaintiff, vs. SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.. CIVIL ACTION COMPLAINT FIRST COUNT 1. Plaintiff is DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC, 6500 NEW ALBANY ROAD, NEW ALBANY, OH 43054. 2. Defendant(s) is/are SHARON L MORRISON, an adult individual residing at 243 MEALS DR CARLISLE, PA 17015-3183. 3. At the special instance and request of Defendant, Plaintiff, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC, issued to Defendant(s), Account # ending in 2472. 4. Defendant received, accepted and used the account to its benefit. 5. This account is in default and Defendant(s) has an unpaid balance of $7,649.82. A true and correct copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A". 6. All credits, if any, to which Defendant(s) is entitled, have been applied to the account and are included in Exhibit "A". J 7. Although demand has been made, Defendant(s) has failed to make payment of the amount due as above. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $7,649.82 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER &,KSSgpCIATES, P A Law Firm En2.eed id Debt BY: David I ApktVaaker, Esquire Dated: 7/28/2010 Our File No.: 275594 A VERIFICATION David J. Apothaker Esquire Esq hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4994'rllating to unworn falsification to authorities. David J. Ap thaker, Esquire Attorney r Plaintiff DATE: 7/28/2010 DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 STATEMENT OF ACCOUNT Debtor's Name: SHARON L MORRISON Account Number: ending in 2472 Balance Due: $7,649.82 Our File No.: 275594 EXHIBIT "A" SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ~ ,; _, r. Sheriff ~~~~~tr of ~umbrrfa ''!= T} Jody S Smith ~`~ C ~ '" ~_ Chief Deputy ~ .r~"~'-;-~~ ~~d~ ~;~:~ ~ d ~-: i ~ I ~~:.,~ ao~o Avg ~~ +4n~ s f, Richard W Stewart ~ O SOi1CltOr oFf iCE ~~~c -ME 5"'~RIFF C+1 i;di . ~ ',~ l; C'l 1, t, -. Discover Bank Case Number vs. 2010-5080 Sharon L. Morrison SHERIFF'S RETURN OF SERVICE 08/13/2010 07:46 PM -Valerie Weary, Deputy Sheriff, who being duly sworn according to law, states that on August 13, 2010 at 1946 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Sharon L. Morrison, by making known unto Walter Stanley, adult in charge at 243 Meals Drive, Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing to hin' personally the said true and correct copy of the same. /,~/ . Vv VALERIE WEARY, DEPUTY SHERIFF COST: $33.40 August 16, 2010 SO ANSWERS, ,.. tom, „~a~-•-----•--.._ RON R ANDERSON, SHERIFF (c) CountySuite Sheriff. Teleosoft. Inc. Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054 Plaintiff; vs. SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 Defendant. i r l 13 C ,-- p COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: I O- 5o8a G V t l M a" t4L ,i - 1 Perseis 8, Associates. LL(, PO ESox 729 Columbia, MD 21045 PERSELS & ASSOCIATES, LLC A National Law Firm Dedicated to Consumer Rights Jimmy B Persels, licensed in DC. MD, MO, IL Phone Number:866-939-PALAW Fax Number:888-863-8659 Sharon Morrison Stanley Morrison 243 Meals Dr Carlisle, PA 170153183 Plan Reference Number 74797061 Statement Date 08/13/2010 Plan Month_ 21 Customer Monthly Statement - 07/13/2010 - 08/1212010 Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC Plaintiff vs. SHARON L MORRISON Defendant FiLFU-OFF?CF L'F THE PROTHONOTARY 2011 JUN 20 Ali 91- 38 CUMBERLAND COUNTY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY NO.: 10-5080 Civil Action MOTION FOR SUMMARY JUDGMENT Plaintiff, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC, respectfully requests that the Court enter an Order granting Summary Judgment in its favor for the following reasons: 1. There are no genuine issues of material fact to decide. 2. Plaintiff, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC, filed a Complaint to recover a $7,649.82 balance on the defendant's delinquent account with DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC. A copy of Plaintiff's Complaint is attached hereto as Exhibit "A" and incorporated by reference herein. 3. Defendant, SHARON L MORRISON, filed an Answer to the Complaint in which defendant admits owing the debt and states she is working with a debt management company in hopes to settle this debt. A copy of Defendant's Answer is attached hereto as Exhibit "B" and incorporated by reference herein. 4. Although defendant states she is currently working with a debt management company, there has been no settlement agreement made between the parties to date. 5. In support of its claim, Plaintiff attaches hereto the Cardmember Agreement for defendant's account. 6. Plaintiff also attaches hereto copies of multiple credit card statements for defendant's account, the last of which evidences the balance Plaintiff seeks in the within matter. 7. Defendant has failed to sustain the burden of presenting facts which contradict the averments of Plaintiff's Complaint. 8. Plaintiff has demonstrated that there is no genuine issue of triable fact. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $7,649.82 plus court costs of $125.40, totaling $7,775.22. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged irk Debt Collection BY: Esquire Dated: June 13, 2011 Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. SHARON L MORRISON Defendant NO.: 10-5080 Civil Action PLAINTIFF'S BRIEF IN SUPPORT OF ITS MOTION FOR SUMMARY JUDGMENT Facts Plaintiff, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC, by the undersigned attorneys, respectfully submits this brief in support of its motion for an order for Summary Judgment. Plaintiff extends credit for purchases made by customers who assent to a credit agreement. In the agreement, Plaintiff promises to extend a credit account to the customer in consideration of the customer's promise to repay in full the outstanding balance due plus interest incurred. Defendant, SHARON L MORRISON, entered into a credit agreement with the Plaintiff. Defendant purchased goods pursuant to the credit agreement. As Defendant has failed to make payments in accordance with the credit agreement on the outstanding balance, defendant is in breach of contract. Plaintiff filed a Complaint on or about August 3, 2010. Defendant filed an Answer, in which defendant admits the existence of this debt, and claims to be liable on this account. . Defendant further admits owing the debt by stating that defendant enrolled in a debt management program. Although, defendant states he is currently working with a debt management company, there has been no settlement agreement made between the parties to date. In support of its claim, Plaintiff attaches hereto the Cardmember Agreement for defendant's account. Plaintiff also attaches hereto copies of multiple credit card statements for defendant's account, the last of which evidences the balance Plaintiff seeks in the within matter. Plaintiff has successfully established the requisite elements of its claim, a contractual duty, a breach of said duty and resulting damages. As there are no genuine issues of material fact to be decided, Plaintiff is entitled to Summary Judgment. Le al Ar ument Pa.R.C.P. No. 1035.2 states that a Motion for Summary Judgment may only be granted when there is no genuine issue of material fact as to a necessary element of the cause of action or defense which could be established by additional discovery or expert report. Pa.R.C.P. No. 1035.2(1). A material fact for motion on summary judgment is one that directly affects the outcome of the case. Fortney v. Callenberger, 801 A. 2d 594 (Pa. Super. 2002). Application of this rule has held that summary judgment may be granted only in those cases where the right to summary judgment is clear and free from doubt. Laich v. Bracey, 776 A. 2d 1022, (Pa.Cmwlth. 2001). The purpose of the summary judgment procedure is to prevent vexation and delay, improve the machinery of justice, promote the expeditious disposition of cases and avoid unnecessary trials when no genuine issue of material fact is raised. A motion for summary judgment shall be granted if the documents of record show there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law. Pa.R.C.P. §1035(b); Allen v. Merriweather, 413 Pa. Super. 410, 411 (1992); Beasel v. New Blvd. Baking Co. Inc., 410 Pa. Super. 591, 593 (1991). In making its determination, the Court must accept as true all properly pleaded facts, as well as all reasonable inferences which might be drawn therefrom. Thompson v Nason, 379 Pa. Super. 115 (1988), aff'd, 527 Pa. 330 (1991). The Court must restrict its review to material filed in support of and in opposition to the motion for summary judgment, and to uncontroverted allegations in the pleadings. Pa.R.C.P. § 1035; Overly v. Kass, 382 Pa. Super. 108 (1989). The party requesting Summary Judgment bears the burden of demonstrating clearly that there is no genuine issue of material fact. Driscoll v. Carpenters District Council of Western Pennsylvania, 370 Pa. Super. 295 (1988); aff'd, 525 Pa. 205 (1991); Allen, 413 Pa. Super. at 411; Beasel, 410 Pa. Super. at 594; Hower v. WhitmarkAssoc, 371 Pa. Super 443 (1988). In response, the nonmoving party may not rest upon the pleadings, but must set forth specific facts controverting the movant's case. Pa.R.C.P. § 1035.3; Phaff v._Gerner, 451 Pa. 146 (1973). A review of the pleadings as a whole in the instant case reveals that Defendant has failed to sustain its burden of presenting facts which contradict the elements of Plaintiff's claim. Conclusion Plaintiff has demonstrated sufficient facts to warrant summary judgment in its favor. Once Plaintiff satisfies its burden, Defendant must demonstrate facts which would create a genuine issue for trial. Phaff, supra. Defendant has failed to sustain its burden of presenting facts which would contradict the elements of Plaintiff s claim. WHEREFORE, Plaintiff demands Judgment in favor of Plaintiff and against Defendant(s) for the sum of $7,649.82 plus court costs of $125.40, totaling $7,775.22. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in DetA Collection BY: J. gVallaro, Esquire Dated: June 13, 2011 Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. SHARON L MORRISON Defendant CERTIFICATION OF SERVICE Civil Action I, Benjamin J. Cavallaro, Esquire, attorney for Plaintiff, certify that on June 13, 2011, I mailed a copy of Plaintiff's Order, Motion for Summary Judgment and Brief in support thereof to: SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in )2%t Collection BY: Esquire NO.: 10-5080 Dated: June 13, 2011 5`6p` t o t Yt of Pennsylvania Courf'? C1otnmon Plus CFor For Prothonotan, Use Oiiaj,: v ll Corer ;feet }3 E L, ;N D j-0unt-N Docket No: 0-,- 5D8D vn 1-he inforincation collecred on tiers farm is used solely for court administration purposes- This form does not _nipplem.ent or° r°eplace the, f hrT and service ofpleadings or other pa s as required lily 7mv or rules of -ourt. S E C T I 0 N Commencement of Action: ® Complaint ? Writ of Summons ? Petition ? Notice of Appeal ? Transfer from Another Jurisdiction ? Declaration of Taping Lead Plaintiff's Name: DISCOVER BANK BY ITS Lead Defendant's Name: SHARON L MORRISON SERVICING AGENT DFS SERVICES, LLC ? Check here if you are a Self-Represented (Pro Se) Litigant Name of PlainrifflAppeliant's Attorney: Apothaker and Associates P.C. Are money damages requested.: 23 Yes ? No Dollar Amount Requested: X within arbitration limits (Check one) outside arbitration limits Is this a Class Action Suit? ? Yes Z No Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim; check the one that you consider most important. S E C T 4 N i TORT (do not include Mass Tort) ? Intentional ? Malicious Prosecution Motor Vehicle ? Nuisance ? Premises Liability ? Product Liability (does not include mass tort) ? Slander/Libel/ Defamation ? Other: MASS TORT ? Asbestos ? Tobacco ? Toxic Tort - DES ? Toxic Tort - Implant ? Toxic Waste ? Other: PROFESSIONAL LIABLITY ? Dental ? Legal i ? Medical ? Other Professional: CONTRACT (do not include Judgments) ? Buyer Plaintiff ® Debt Collection: Credit Card ? Debt Collection: Other ? Employment Dispute: Discrimination ? Employment Dispute: Other ? Other: REAL PROPERTY ? Ejectment ? Eminent Domain/Condemnation ? Ground Rent ? Landlo ut P C ? tML" ic . $ ? ? y ? i 2 10 ?O PmR.C.P 205.5 CIVIL APPEALS Administrative Agencies ? Board of Assessment ? Board of Elections ? Dept. of Transportation ? Zoning Board ? Statutory Appeal: Other Judicial Appeals ? MDJ - Landlord/Tenant ? MDJ - Money Judgment ? Other: MISCELLANEOUS ? Common Law/Statutory Arbitration ? Declaratory Judgment ? Mandamus ? Non-Domestic Relations Restraining Order ? Quo Warranto ? Replevin ? Other: 212010 Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054 Plaintiff, vs. SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: IO - 5080 (-Vi !crp- NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 34 S. BEDFORD ST. CARLISLE PA 17013 717-249-3166 Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BAND BY ITS SERVICING AGENT DFS SERVICES, LLC 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054 Plaintiff, VS. SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: CIVIL ACTION COMPLAINT FIRST COUNT 1. Plaintiff is DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC, 6500 NEW ALBANY ROAD, NEW ALBANY, OH 43054. 2. Defendant(s) is/are SHARON L MORRISON, an adult individual residing at 243 MEALS DR CARLISLE, PA 17015-3183. 3. At the special instance and request of Defendant, Plaintiff, DISCOVER. BAND. BY ITS SERVICING AGENT DFS SERVICES, LLC, issued to Defendant(s), Account ,# ending in 2472. 4. Defendant received, accepted and used the account to its benefit. 5. This account is in default and Defendant(s) has an unpaid balance of $7,649.82. A true and correct copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A". 6. All credits, if any, to which Defendant(s) is entitled, have been applied to the account and are included in Exhibit "A". 7. Although demand has been made, Defendant(s) has failed to make payment of the amount due as above. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $7,649.82 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER. & SSOCIATES, P.,: A Law Firm Enabaed id Debt BY: David J. Apktka'ker, Esquire Dated: 7/28/2010 Our File No.: 275594 VERIFICATION David J. Apothaker, Esquire, Esc}., hereby stages that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 49 r lating to unsworn falsification to authorities. rd i i David J Apkthaker, Esquire Attorney r Plaintiff DATE: 7/28/2010 DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 STATEMENT OF ACCOUNT Debtor's Name: SHARON L MORRISON Account Number: ending in 2472 Balance Due: $7,649.82 Our File No.: 275594 EXHIBIT "A" 275514 Request for Service R. Thomas Kline Sheriff Cumberland County Office of the Sheriff One Courthouse Square Carlisle, PA 17013 Ph: 717.240.6390 Fx: 717-240-6397 Plaintiffs: Court Number: DISCOVER BANK BY ITS Expiration Date: SERVICING AGENT DFS SERVICES, LLC Type of Action: Civil Action Defendants: SHARON L MORRISON Serve Upon: SHARON L MORRISON Address for Service: 243 MEALS DR CARLISLE, PA 17015-3183 Alternate Address for Service: Type of Service?? _-? ( ) Personal (X) Adult in Charge O Deputize O Certified Maii O Posting Special Service Instructions: ** If service is to be made by deputized service to another county please specify which county _ Filing Attorney Information: Name: Apothaker & Associates, P.C. Address: 520 Fellowship Road C306 Mount Laurel, NJ 08054 Telephone: 215-634-8920 Our File No-; 275594 APOTI-.AKER &- ASSOCIATES, P.C. BY: David J. Apothaker_ Esquire Attorney I.U. 438423 520 Fellowship Road 0306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff / DISCOVER. BANK BY ITS SERVICING AGENT DFS SERVICES, LLC 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054 Plaintiff, vs. SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 Defendant. --let cry -? COURT OF COMMON PLEAS CUMBERLAND COUNTY } NO.: to - 5050 (.Aiv11 vP'm } } } } } o'u n?r '70". Col PERSELS & ASSOCIATES, LLC A National Law Firm dedicated to Consumer Rights Jemmy 3 P?IC$eas, I,cehsec jr. De: (00 M,0, IL Pho- E Number:866-939-PALAW Fax J.,mber:888-863-8659 Sharor: Morrison Stanley Morrison 243 Meals Dr Carlisk.?, PA 170153183 Customer Monthly Statement - 07/13/2010 - 08/12/2010 Plan Reference Number 74797061 Statement Date U61312010 Plan Month 21 0 P© Box 729 PERSELS & ASSOCIATES, LLC Columbia, MD 21045 PERSELS & ASSOCIATES, LLP (CA, MI) PERSELS & ASSOCIATES, PLLC (NC) A National Law Firm dedicated to Consumer Rights Neil J. Ruther, licensed in MD Leza Griffith, licensed in MD, DC William Grafton, licensed in MS, TX Lisa L. Perrillo, licensed in NY, NC Phone: 1-804-498-6761 Jimmy B. Persels, Of Counsel, licensed in MD, IL Fax: 1-410-910-5923 Jon Miller, licensed in MD and PA APOTMAKER AND ASSOCIATES 520 FELLOWSHIP ROAD SUITE 0306 MT LAUREL, NJ 08054 Creditor Account Number: Client Name: Client SSN: To Whom It May Concern: 275594 Sharon Morrison and Stanley Morrison ###-##-6713 and # ##-##-8273 June 23, 2010 Our law firm has been retained by Sharon Morrison and Stanley Morrison. Persels & Associates has a limited power of attorney to represent this client in debt settlement negotiations. Please update your records to the firm as your contact for settlement of our client's debts. Cease all further direct contact with our client pursuant to The Fair Debt Collections Practices Act. This scope of our representation does not include entry of appearance on behalf of the client in any related litigation.. We do not accept service on behalf of our client in any proceeding._All court papers and notices must be served directly on the_ part You can reach Persels & Associatesat 1-866-939-PALAW. We will contact you in the future to discuss possible settlement options. We took forward to working with you and appreciate your assistance in resolving this matter so that we can expedite a solution that is best for everyone. Sincerely, Jon Miller Perseis & Associates Neil J. Ruther 1-800-498-6761 Rev: 823Sd008-091224 DISCOVER' CARD YOUR DISCOVER® CARD ACCOUNT CARDMEMBER AGREEMENT Pages 1-15 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your newAccount within 30 days after receiving your Card, as explained in the "Right to RejectArbitration" section at page 14. PRIVACY POLICY Pages 15-18 A summary of the personal information we collect, when it may be shared with others and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 7. BILLING RIGHTS Pages 18-19 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF COVERAGE Pages 20-28 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 28 The terms and conditions of this free travel assistance benefit. CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discover® Card Account. It contains the terms and conditions of your Account, some of which may have changed from earlier materials provided to you. In the event of any differences, this Agreement shall control. We respect your privacy. See the Privacy section on page 10 and our Privacy Policy for additional information. The Arbitration of Disputes section on page 12 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on page 14 describes the procedure you must follow if you desire to reject the Arbitration of Disputes section. DEFINITIONS ......................... 2 USING YOUR ACCOUNT ............... 3 Your Acceptance of this Agreement ... 3 Permitted Uses of Your Account....... 3 Prohibited Uses of Your Account...... 3 ©2008 Discover Bank, Member FDIC TI-20A.0508 1 2 Purchases and Cash Advances in Foreign Currencies ......................... 3 Cash Advances ..................... . 3 Balance Transfers ................... 4 Credit Authorizations ............... 4 Authorized Users ................... 4 Unauthorized Use .................. 4 Your Credit Lines ................... 4 MAKING PAYMENTS .................. 5 Promise to Pay ..................... 5 Monthly Billing Statement........... 5 Monthly Payment Options ........... 5 Automatic Billing Arrangements...... 5 How We Apply Payments ............ . 5 Minimum Monthly Payment ......... 6 Skip-A-Payment Offers .............. 6 Credit Balances .................... 6 FINANCE CHARGES ................... . 6 How We Calculate Periodic Finance Charges ........................... . 6 How We Calculate Your Balances ..... 7 Two-Cycle Average Daily Balance Method .................................. 7 Variable or Fixed Interest Rates....... 8 Default Rates ...................... 8 Cash Advance Transaction Fee Finance Charges ........................... 8 Balance Transfer Transaction Fee Finance Charges ........................... 9 Minimum Finance Charge ........... 9 FEES ................................ 9 Late Fee .......................... 9 Overlimit Fee ...................... . 9 Returned Payment Fee .............. 9 Returned Discover Card Check Fee .... 9 Pay-By-Phone Fee .................. 10 Research Fee ...................... 10 DEFAULT AND CANCELLATION ........ 10 Types of Default .................... 10 Consequences of Default ........... 10 Cancellation ....................... 10 PRIVACY AND OUR COMMUNICATIONS WITH YOU .......................... 10 Our Privacy Policy .................. 10 Reporting to Credit Reporting Agencies 11 Our Communications with You ...... 11 Releasing Information About Your Account .......................... 11 Electronic Notices to You ........... 11 Notices - Changes to Your Information 11 CLAIMS AND DISPUTES ............... 11 Merchant Disputes ................. 11 Claim Notices ...................... 11 Arbitration of Disputes .............. 12 Right to Reject Arbitration........... 14 LEGAL INTERPRETATION OF THIS AGREEMENT ........................ 14 Severability ........................ 14 Compliance with Interest Rate Limitations .................................. 14 Governing Law ..................... 14 ASSIGNMENT OF ACCOUNT............ 14 CHANGES TO THIS AGREEMENT........ 15 DEFINITIONS "Account" means your Discover Card Account. "Authorized User" means any person whom you authorize to use your Account or a Card, whether you notify us or not. "Card" 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 Bank, the issuer of 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 page 12. You may, however, reject the Arbitration of Disputes section as explained on page 14. 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 for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign currency 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 offer from time to time. Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You will be liable for guaranteed reservations that are not cancelled priortothetimespecified bytheestablishment. Your Account may be used for personal, family, household and charitable purposes. Prohibited Uses of Your Account. Your Account may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agreement or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in Foreign Currencies. We convert purchases and cash advances made in a foreign currency to U.S. dollars. We use the conversion rate used by Discover Network to process the transaction in accordance with Discover Network's procedures. Currently, Discover Network uses a government-mandated rate, a government- published rate or the interbank exchange rate, depending on the country and currency. Regardless of source, the rate used will be the rate in effect on the date Discover Network processes the transaction or the prior business day, depending on the time received. Transactions in China are converted at a rate in effect on the date of the transaction. Cash Advances. We may periodically offer you special rates on cash advances for the time period specified in the offer, subject to the Default Rates section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. After the expiration of the special rate, the standard Annual Percentage Rate for cash advances will apply. 3 4 Balance Transfers. We may periodically offer you the opportunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain an initial special rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rates 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, if applicable. After the expiration of this time period, the Annual Percentage Rate that applies for purchases will apply to transferred balances. Balance transfers subject to the initial special rate are referred to as special rate balance transfers; balance transfers for which the initial special rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transactions will require our authorization prior to completion. In some cases, you may be asked to provide identification. We have the right not to 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 will 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 1-800-DISCOVER (1-800-347-2683), or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to whom it is issued. If a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-800-DISCOVER (1-800-347- 2683), or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. You agree to assist us in determining the facts relating toanytheft orpossible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our investigation. 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 credit line. We may also impose a lower line that will apply to balance transfers, referred to as the balance transfer credit 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 credit line. We may increase or decrease your Account credit line, your cash advance credit line or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of 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. 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 are 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 to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your 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 can accept late payments or partial payments or checks and money orders marked "payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement. Monthly Billing Statement. We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to your Account during the billing period. It will show your New Balance, Payment Due Date and Minimum Payment Due as of the 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. See the Minimum Monthly Payment section 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 must pay at least the Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms, including the payment cutoff time, stated on your monthly billing statement, and we will credit your Account in accordance with those terms. In addition, we reserve the right to change those terms without prior notice as permitted by law. Automatic Billing Arrangements. If your Account number and/or 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 verifythe merchant has your newAccount information. You must contact the merchant directly if you do not wish to continue the automatic billing arrangement. How We Apply Payments. We will apply payments and credits to the New Balance shown on your current billing statement in order of the Annual Percentage Rate 5 6 applicable to the balance of each transaction category (as referenced in the Finance Charges section), generally from lowest to highest beginning with the balance subject to the lowest Annual Percentage Rate. We then apply payments and credits to any new transactions using the same method. However, we have the right to apply payments and credits to balances with higher Annual Percentage Rates prior to balances with lower Annual Percentage Rates, such as when there are two initial special rates applicable to your Account and the lower Annual Percentage Rate will expire before the higher Annual Percentage Rate. Minimum Monthly Payment. The Minimum Payment Due each month will be the greater of: • the New Balance if it is less than $15; • $15 if the New Balance is $15 or more; or • any past due amount plus the greater of: 2% of the New Balance (excluding current Periodic Finance Charges, Late and Overlimit Fees) rounded up to the nearest dollar or • current Periodic Finance Charges plus Late and Overlimit Fees plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar. We may also include some or all the amount by which you exceed your Account credit line. If more than 90% of your New Balance consists of special-rate balance transfers, we may, at our discretion, increase your Minimum Payment Due to a maximum of 4% of the New Balance if it would otherwise be less than that. We may subtract certain fees to calculate the Minimum Payment Due. The Minimum Payment Due will never exceed the New Balance. Paying the Minimum Payment Due may be insufficient to bring your Account balance below your Account credit line and, consequently, may not avoid the imposition of an additional Overlimit Fee described in the Overlimit Fee section. Skip-A-Payment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. If you take advantage of this offer and do not make a minimum monthly payment, finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the Minimum Payment Due for the following billing periods. Credit Balances. We will refund any credit balance within seven business days from receipt of your written request. If you do not request a refund, we will automatically refund credit balances greater than $1 that remain in your Account after 6 months. FINANCE CHARGES How We Calculate Periodic Finance Charges. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entire New Balance, 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 statement and you pay the New Balance by the Payment Due Date on your current billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current statement. We call this the "grace period." There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances and balance transfers and then furthersort thetransactions within each group bytheir Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We ref ertothese groups astransaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: Average Daily Balance x days in billing period x Daily Periodic Rate. (You may refer tothe finance charge summary on your billing statement for these amounts.) 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. How We Calculate Your Balances. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing cycle. We computethedaily balance foreachtransaction category on each day by first adding the following to the previous day's daily balance: transactions made that day, 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 are applied against the balance of the transaction category on that day. In calculating the daily balance for the previous billing period, we consider the "previous day's daily balance" to have been zero on the first day of the billing period. If a transaction is posted to your Account after the close of the billing period in which it occurs, we will treat the transaction as having occurred on the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added tothe standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance trans- action category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated under the Default Rates section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. Two-Cycle Average Daily Balance Method. We use the two-cycle average daily balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. This means if you did not pay the New Balance shown on the billing statement you received during the previous billing period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement, as well as new purchases that first appear on the current billing statement, unless we already imposed Periodic Finance Charges on the purchases on your previous 7 8 billing statement. Variable or Fixed Interest Rates. The Daily Periodic Rate and corresponding Annual Percentage Rate that applyto each transaction category are either fixed rates or variable rates as set forth in your Pricing Schedule or in any special offers you receive from us. The Daily Periodic Rate is 1/365th of the corresponding Annual Percentage Rate. Variable Annual Percentage Rates are deter- mined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points)." For purposes of this Agreement, the Prime Rate is the highest rate of interest listed as the "prime rate" in the Money Rates section of The Wall Street Journal on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. If you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the same month as the change in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum Payment Due. Default Rates. Each time you do not make a required payment on time and each time you exceed your Account credit line twice in a twelve month period, we will increase the standard ANNUAL PERCENTAGE RATES for purchases and cash advances to fixed rates, up to a maximum of 30.99% (the "Default Rates"). Any special rates on purchases, balance transfers or cash advances will end and a Default Rate will apply. We will base your Default Rates on factors such as: • your current purchase APR your payment history with us • your payment history with other lenders Any increased rate and change in type will apply beginning with the first day of the billing period in which (i) we did not receive at least the Minimum Payment Due by the Payment Due Date or (ii) you exceeded your Account credit line for the second time in a twelvemonth period. If your standard Annual Percentage Rate for purchases was increased under this or any previous version of the Default Rates section and, for any nine consecutive billing periods you pay at least the Minimum Payment Due, if any, by the Payment Due Date, then your Annual Percentage Rate for your new purchases will be reduced and your Annual Percentage Rate for your existing purchase balance may be reduced. Any reduced Annual Percentage Rates will apply beginning with the first day of your tenth billing period. 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 3% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of $5 and no maxi- mum. The imposition of Cash Advance Transaction Fee Finance Charges may result in 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 Finance 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 amounts. Balance Transfer Transaction Fee Finance Charges. If the balance transfer offer you receive contains a Balance Transfer Trans- action Fee Finance Charge, we will charge you a Balance Transfer Transaction Fee Finance Charge for the amount of each balance transfer made under that offer. If there is a Balance Transfer Transaction Fee Finance Charge in conjunction with the offer you received when you applied for an Account, it will be in the amount set forth in the Pricing Schedule. 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 any Balance Transfer Transaction Fee Finance Charges calculated underthe Periodic Finance Charges section for each balance transfer transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which some FINANCE CHARGE of less than $.50 would otherwise be imposed. FEES Late Fee. We will charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period for which we did not receive timely payment. If the sum is $250 or less, the fee is $19; if it is greater than $250, the fee is $39. Overlimit Fee. We will chargeyou an Overlimit Fee each time that, as of the close of a billing period, your outstanding Account balance exceeds your Account credit line. This fee may be charged even if the transaction which causes you to exceed your Account credit line is authorized by us or if you exceed your Account credit line due to the posting of Finance Charges or fees to your Account. The amount of the Overlimit Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period. If the sum is equal to or less than $500 and you exceed your credit line, the Overlimit Fee is $15. If the sum is greater than $500 and you exceed your credit line, the Overlimit Fee is $39. Returned Payment Fee. We will charge you a Returned Payment Fee of $35 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 account from which you have authorized us in writing, electronically or orally to periodically deduct all or a part of an amount you owe us under this Agreement is returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission. Returned Discover Card Check Fee. We will charge you a Returned Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, 9 10 or other promotional check. Pay-By-Phone Fee. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account. We will charge a Pay-By-Phone Fee of $10 for each such transfer or payment. Research Fee. We may charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default. You are in default if you become insolvent; if 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 are declared incompetent by a court or if a court appoints a guardian for you or a conservator for your assets; if you die; if you fail to comply with the terms of this Agreement, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of Default. If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys` fees and court or other collection costs as permitted by lawand as actually incurred by us, including fees and costs in connection with any appeal. We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. 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 Card, 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. If your Account is a joint Account, either Cardmember may cancel the Account, but you will both remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend your Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must return any Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respect the privacy of information about you and your Account. Our Privacy Policy includes a summary of the personal information we collect, 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, including negative credit information. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. We normally report to such credit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover Card, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Our Communications with You. Our personnel may listen to or record telephone calls between you and our representatives without additional notice to you as permitted by law. We may use any medium, including but not limited to mail, livetelephonecalls, automated telephone equipment, prerecorded tele- phone calls, e-mail and may make calls to your cell phone to contact you about your Account or offer you products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, telephone us at 1-800-DISCOVER (1-800- 347-2683) or write to us at Discover Card, PO Box 15354, Wilmington, DE 19850. Releasing Information About Your Account. We provide various methods by which you can obtain information about your Account. We will only release 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 by law. 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 state- ments 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. If you change your e-mail address, mailing address or telephone number you must notify us of your new address ortelephone number within 15 days. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683) or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. If your Account is a Joint Account, any notice we mail to an address you have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will investigate the dispute. If we 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 and/or any third party for the credited amount. Upon our request, you agree to provide us with written evidence of such assignment. Claim Notices. In the event that you or we 11 12 have a claim that arises from or relates to your Account, any prior account you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initiating, joining or participating in any judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ("Claim Notice"), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any sup- porting facts; and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover Card, PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbitrate. In the event of any past, present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your Account, any prior account you have had with us, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the 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 YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATEANYCLAIMSASAREPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything elsetothe 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 respect to any claim made 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 to a different court. Governing Law and Rules. Your Account involves interstate commerce and this provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) or the National Arbitration Forum (NAF) in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr.org (phone 1-800-778- 7879) or NAF at PO Box 50191, Minneapolis, MN 55405 (phone 1-800-474-2371). 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. Unless consented to by all parties, no arbitration may be administered by any administrator 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 respect to which 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 willadvanceanyarbitrationfiling,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 Card, PO Box 15192, Wilmington, DE 19886-1020. The arbitrator will decide who will ultimately 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 action proceeded in court. In no event will you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial 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 the action were pending in court. If requested by any party, the arbitrator shall write an opinion containing the reasonsforthe award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds $100,000, any party may appeal the award within 30 days to a three- arbitrator panel, which shall reviewthe 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 for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Other 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, affiliates (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 ` 14 claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termination of your Account as well as voluntary payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account. Right to Reject Arbitration. You may reject the Arbitration of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address: Discover Card, PO Box 30938, Salt Lake City, UT 84130-0938. If you were previously subject to arbitration with respect to any account with us, this right to reject arbitration will not apply to you. Your rejection notice must include your name, address, telephone number, Account number and signature and must not be sent with any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format that 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 not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which 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 respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respect to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severability. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with Interest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law. If it is ever finally determined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and other 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 refunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law. ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. CHANGES TO THIS AGREEMENT We may change any term or part of this Agreement, including, but not limited to, any finance charge rate, fee or method of computing any balance upon which the finance charge rate is assessed or add any new term or part to this Agreement. If required by law we will send you a notice at least 15 days before the change is to become effective. We may apply any such change to the outstanding balance of your Account on the effective date of the change and to new charges made after that date. You may be offered the opportunity to reject some of the changes, and if you do, you must notify us in writing within 15 days after the mailing of the notice of change at the address provided in the notice of change, in which case your Account will be closed and you must pay us the balance that you owe us under the existing terms of the unchanged Agreement. Otherwise, you will have agreed to the changes in the notice. Use of your Account after the effective date of the change will be deemed acceptance of the new terms as of such effective date, even if you previously notified us that you did not agree to the change. 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 or by the terms of the product, service or benefit. 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. 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 Policy describes our efforts to meet these objectives. It includes a summary of the following important information: • A listing of the personal information we collect; The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. It will help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we collect 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, 11 16 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 the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provider, your e-mail address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared with Others? We limit the sharing of information with others. Many of the offers you receive for 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 may be 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 offer from us and choose to take 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 these companies to adhere to our privacy standards 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 Information with Our Corporate Family Our corporate family offers a variety of products and services that can help you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. b. Sharing Personal Information with Non- Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third parties, including those that accept the Discover Card, in order to provide you with access to products and services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and non-financial companies, such as retailers. c. Sharing Personal Information with Others We may share the information we collect about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as mailing, market research and data processing; other financial institutions with which we have joint marketing agreements; or companies that are our partners for cobrand 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 such information is restricted to individuals who need it in order to service your Account or provide products and services to you and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process. Where third parties provide support 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 Card, PO Box 30943, Salt Lake 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 collect about you, as described in Section 1, with non-affiliated third parties. You also have the option to tell us not to share the information we collect aboutyou, as described in Section 1, with companies in our corporate family. If you indicate a preference for either 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 1-800-225-5202 or write to us at Discover Card, PO Box 30961, Salt Lake City, UT 84130- 0961. If 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 written request should include your name, address, telephone number and Account 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 not through a third party. You will need 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 share 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 have joint marketing agreements. If you are a new Cardmember, we will not share any information about you, except as permitted by law, for thirty days 18 after we provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you are an existing Cardmember, please understand that you may continue to receive marketing offers directly from other companies that were already in production prior to the processing of your request. This Privacy Policy is 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 supercedes all previously issued Privacy Policies. We reserve the right to amend this Privacy Policy from time to time and we will notify you if we do so. This Privacy Policy is provided 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 Discover" 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 is 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 to this information. Please note that you will also receive privacy notices for other credit card accounts you have with us, as well as other financial products and services 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 institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 1-800-DISCOVER (1-800-347-2683) and authorize us to do so. California Residents - Your state 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 area resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. 1. Notify Us in Case of Errors or Questions About Your Bill 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 listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the 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 is 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 from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. 2. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct 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 to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your Account credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If 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 amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you 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 you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if 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, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50. 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 of goods or 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. 1? DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discover" Cardmembers are provided with $500,000 Scheduled Air Travel Accident Insurance.* 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 arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft or a conveyance operated by a military transport service or riding as a passenger in or entering or exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately preceding the departure of a Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the 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 Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIMIT 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 ($20,000,000) per Accident. If an Accident results in Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limitofinsurancewillbedividedproportionally among the Insured Persons, based on each applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from anyone 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 proportionately divided among the Insured Persons up to the maximum limit of insurance. DEFINITIONS: Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard. Accidental Bodily Injury(, 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. Cardmember means the holder of the Card whose name appears on the credit card. Company means the Federal Insurance Company. Covered Trip means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account. Dependent Child or Children means those ?o children, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanentlymentallyorphysicallychallenged, 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 enter into a contract; (2) is not related to the Insured Person by blood; (3) has exclusively lived with the Insured Person for at least one year prior to the date of enrollment; (4) is not legally married or separated; and (5) as of the date of enrollment, has with the Insured Person at least two of the following financial arrangements: (a) a joint mortgage or lease; (b) a joint bank account; (c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a financial institution. Neither the Insured Person nor the Domestic Partner can be married to, nor in a civil union with, anyone else. Hazard means the covered circumstances for which this insurance is provided as stated in Section III of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Description of Coverage. Insured Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. Loss means the Loss of Life. Loss of Life means death, including clinical death determined by the local governing medical authorities. Poli hcX older means DFS Services LLC, the entity responsible for the 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 government to carry passengers on a regularly scheduled basis or of foreign register and approved by the UnitedStates governmentandtheappropriate foreign 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 territory, or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFITS: If the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdown of any Scheduled Aircraft or conveyance in which the Insured Person was covered as an occupant, it will be assumed, subject to all other terms of the policy, that the Insured Person has suffered Loss of Life covered under this policy. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising from a covered Hazard. ELIGIBILITY: This insurance plan is provided to Insured Persons automatically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmember`s Account while the insurance is effective. It is not necessary for you to notify the Policyholder or the Company when Scheduled Airline tickets are purchased. 21 ?Z EFFECTIVE DATES: Your insurance under this insurance plan is effective on the later of: 1) April 1, 2007; or 2) the date you become an eligible Cardmember.Your insurance coverage under this insurance plan will cease 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 beneficiary designated by you. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) your spouse; b) your children; c) your parents d) your brothers and sisters, e) your estate. All other indemnities will be paid to you. If you wish to change your beneficiary, you 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 Beneficiaryrequest@The DirectMG.com. EXCLUSIONS: This insurance plan does not 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), (2) an accident while an Insured Person is in, entering, or exiting any aircraft while acting or training as a pilot or crew member (this exclusion does notapplyto passengers who temporarily perform 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 (5) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after 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 sendtheCompanyawritten description of the Loss. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of 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 and/or the beneficiary have complied with all the terms of the policy. ARBITRATION: In the event of a dispute under this policy, either the Company or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each select an arbitrator. The two arbitrators will select a third. If they cannot agree within 15 days, either the Company or the Insured Person may request that the 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. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-800-CLAIMS-0 (1-800-252-4670). You can also go to the Company Website (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300-2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Complete policy provisions are contained in the Master Policy, which can be obtained from the Policyholder: Policy Underwritten By Federal Insurance Company ("Company") a member insurer of the Chubb Group of Insurance Companies 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 Plan Administrator The Direct Marketing Group, Inc. 13265 Bedford Avenue Omaha, NE 68164 Policy # 9906-18-06 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discover" Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a vehicle for 31 consecutive days or less (or 45 days under certain circumstances described below) with your Card (as defined below), you may be eligible for benefits under this coverage. Excess Collision DamageWaiverisan insurance program, underwritten by Federal Insurance Company Policy # 9906-17-63 (the "Policy"). DEFINITIONS: Account means a Card account. Actual Cash Value means the cost to repair or replace the Rented Automobile at the time of loss, less depreciation. Cardmember means the holder of the Card whose name appears on the credit card. Card means the Discover Card. Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious 2. M mischief or vandalism, riot or civil commotion. Company means the Federal Insurance Company. Insured means Cardmembers and authorized users of the Account. Policyholder means DFS Services LLC, the entity responsible for the payment of premium. Rental Agency means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automobile means a four-wheeled private passenger type motor vehicle or a mini-van manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented 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 fee is charged or debited to your Account. • You must decline the Loss/Damage Waiver offered by the vehicle Rental Agency. • You must rent the vehicle in your own name and sign the vehicle rental agreement/ contract. • The coverage period will not exceed 31 consecutive days, or 45 consecutive days if thelnsuredisanemployeeofanorganization 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 Agency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liabilitywill be fora maximum reimbursement of $25,000. In no event will the Company be liable 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 personal injury or personal liability. It does not cover you for any damages to other vehicles 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 trucks, 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 $50,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured for 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented in the United States and Canada only. • Coverage is not available where prohibited by law. WHAT IS NOT COVERED: Coverage does not apply to loss resulting from the following: Any dishonest, fraudulent or criminal act of the Insured. Forgery by the Insured. Loss due to war or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination. The Insured being intoxicated, 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. • Use of the Rented Automobile by a person other than the one authorized to operate the Rented Automobile by the terms of the Rental Agreement. Loss of use of the Rented Automobile. Intentional damage to the Rented Automobile by the Insured. • Damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure. • Damage to tires unless the loss is coincident with a covered loss. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apply: (1) the period of insurance coverage will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (2) the insurance provided by this plan will be excess over any other valid and collectible insurance covering the Rented Automobile. However, the insurance provided under this plan may be primary if specifically provided for under the terms of this plan and if the following criteria is met: (a) the Rented Automobile is rented for use 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 HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT: 1-800-CLAIMS-0 (1-800-252-4670). You can also go to the Company Website (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300-2538 CLAIM PROCEDURE: The Insured must send the Company written notice of a claim, including the Insured's 2? ?6 name and Policy number, within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or its authorized representative: • A copy of the Account statement showing the automobile rental transaction. • A copy of the automobile rental agreement. A copy of the police report. • A copy of the initial claim report submitted to the automobile Rental Agency. • A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible. Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance carrier(s). • If no other insurance is applicable, a notarized statement from the Insured to that effect. Reminder: Please refer to the Insurance Disclosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative state- ment 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 to 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 Federal Insurance Company ("Company") a member insurer of the Chubb Group of Insurance Companies 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 Plan Administrator The Direct Marketing Group, Inc. 13265 Bedford Avenue Omaha, NE 68164 Master Policy Number: 9906-17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, advertising and/or 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 soon as is practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation or non-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the 50 United States, the District 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 and/or 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 will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an Insured will be void if, whether before or after a loss, the Policyholder oritssubscribingorganization(s)hasconcealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof 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. Addition of New Insureds: All eligible persons will be automatically insured under this Policy. Examination Under Oath: It is a condition of this insurance that the Insured and the Policyholder, as often as may be reasonably required by the Company, will submit, and within its power cause others to submit, to examinations under oath and will produce forexaminationallwritings, booksof account, bills, invoices and other vouchers, or certified copies thereof if originals are lost, at such reasonable time and place as may be designated by the Company or its representative, and will permit extracts and copies thereof to be made. No such examination under oath, examination of documents or any other act of the Company, its employees or representatives in connection with the investigation 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 inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. Subrogation: It is a condition of this insurance that if the Company pays the Insured for a loss, it will require the Insured to assign and transfer any claim or right of action against any individual, firm or corporation for such loss to the Company or subrogate or hold in trust all such rights to the extent of the amount paid. The Insured will agree to take action as requested by the Company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company. Arbitration: In the event of a dispute under this policy, either the Company or the Insured may make a written demand for arbitration. In that case, the Company and the Insured will each select an arbitrator. The two arbi- trators will select a third. if they cannot agree 2. within 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the 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 range of free travel assistance benefits. It is operated by AXA Assistance USA, Inc. Visit Discovercard. com/travel to learn more. Eligibility. You must be a Cardmember whose Account is in good standing, theCardmember's spouse or dependent child traveling with the Cardmember or an Authorized User of an Account in good standing. Third-Party Charges. Global Traveler's Hotline is not insurance, so you will be responsible for all third-party fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services may not be available in all areas. Call us at 1-800-DISCOVER (1-800-347-2683) for assistance or if you have questions about a specific destination. Outside the U.S., call us collect at 1-801-902-3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided bythird parties. The services and these terms and conditions are subject to change without notice. ?g December 18, 2003 Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $498.58. 19 SDSN6AO2 0025606 MORRISON, SHARON L Go paperless and make your account 243 MEALS DR information more secure with password- protected statements only you can access. CARLISLE PA 17015-3183 Learn more at discover.comipaperiess. PO BOX 71084 IIIIIIIIIIIIIIIIIIIIIIIIIII CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space IIIIIIIIIIIIIIIIIIIII111II11NII111Ir1Iullul111611MAIM above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019866182546961,0205498580©121000012300 Discover Platinum Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available 'Cash Credit Limit .Cash Credit Available Card Account Summary Closing Date: November 19, 2003 page 1 of 2 2472 Previous Balance $5,425.2.4 December 18, 2003 Payments And Credits 121.00 $123.00 Purchases + 78.09 $5,000.00 Cash Advances + 0.00 $0.00 Balance Transfers + 0.00 $2,500.00 Finance Charges + 116.25 $0.00 New Balance' = $5,498.58 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback lkmus® Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashbadr Bonos&Anniversary - - - Month: August Cashback Bonus Balance $ 11.12 How Can We Help You? p 1. Visit Dlswo r'cmn to pay your bill for no cast, view your latest Account information, earn and redeem rewards and more It`S your choice - 3 ways to help 2. Cali 1 800 DISCOVER (347.2683) for fast, easy sellservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 309.43, For TDD (assistance for hearing impaired] see reverse side Salt Lake City, UT 8A 130 Transactions $U Fraud Uabillity Guarantee Use your Discover Card with confidence. Trans. Post Date Dote Payments and Credits Nov 19 Nov 19 PAYMENT - THANK YOU $ -121.00 (Aer/Miscellaneaus Nov 19 Nov 19 DISCOVER ACCOUNTGUARD 877-883-1959 43.09 Nov 19 Nov 19 OVERLIMIT FEE 35.00 ,Information For You Your balance has exceeded your Account credit limit by $ 498.58. An overlimit fee has been assessed to your Account and 'may cortinuo_to be assessed for each billing.Pe W-yqu_exceed_Xour Accqu?t ?cedit ILmit Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dally Periodic PERCENTAGE PERCENTAGE FWLANCE FRUNCE Balances Rotes RATES RATES current billing period: 31 days Nrchoses $3654.10 0.06847% 24.99% F 24.99% $77.55 $0 Cash Advances $1823.32 0.068470/9 24.99% F 24.99% $38.70 $0 ?tin rmae find nnnly fn vniir Arenimt nra niftier wY4rl rFi nr tk4v mnv -rv (VI ne ne".4 nk- Important Information. If there is more than one page to this billing statement see the back of each page for additional important information. See your Cardmember Agreement. Your CardmemberAgreement contains all the Gears of your Account. Lost or stolen cards. Report immediately! Cap 1-11 0.347-2683. Billing Rights Summary. In Case of Errors or Questiau About Your Bill: If you think your bill is wrong, or d you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Boot 30421, Sap Lake City, UT 84130.0421. as soon as possible. We must hear from you no hater than 60 days after vie sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and Account number. The dollar amount of to suspected error. • Describe the error and explain. it you can, why you believe there is an error. If you need more information, describe the hem you are unsure about. You do riot have to pay any amount in question while we are Investigating, bid you are still obligated to pay the pads of your bat that are rat in question. While we investigate your question, we cannot report you as delinquent or take any action to cured the amount you question. Special flute for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchases with a credit card, and you have tied in good faith to correct the problem with the merchant, your may rat have to pay the remaining amount due on the good or services. You have the protection only whew the purchase pine was more than $50 and the purchase was made in your fame stale or MU 100 miles of your m9ft address. (If we on or operate the merchant, or if we mailed you the advertisement for the goods or services, at purchases are covered regardless of the amount or location of purchase-) Payments. Send only your payment and the top potion of this statement In the envelope provided. Do not send cash. By sanding your check as described above, you authorize us to use information on your check to male an electronic fund transfer from your account at the financial institution indicated an you khedk or to process the payment as a deck transaction. If payrnerit is processed as an electronic fund transfer, the transfer will be for the amours of the check. When we use Momnatiah from your check to make an dectrorac f rid transfer, funds may be ?Yrllidrawn from you account as soon as the sauna day we receive your payment and you will not receive your check back from your financial insWAM. The processing of your payment may be delayed I you send cash, ocirrespoodence or other inns with your payment, a you send the payment to any other address or if you use an envelope other dw the are provided. Payments received in proper form at our processing facility by SPkf local time on any day will be credited to your Account as of that day. Payments received at a_uprme'nD !amity MW5PM kxsal time writ be cre¢dgd t!y:xu AtCaanl as of the next day. if you hove rtlspked your oQ?, SerrdyourpaymN to Discover-, PO Box 6103, Carol Stream, IL 60107-6103. Reese allow 1-10 days for delivery. t) your payment rs returned ninpaka, we reserve tthe right to resubnrwl it as an a eklranc debut. You can pay yourminim rn payment or a greateramaurt of the telephone, and you can set rpautomatic paymmmis. Call us at 1.600.347 2683. You wit) need ills stalornart and your bank account information You must ensure that st ient Ws are available in you bank account, all all transactions must comply with U.S. law. You will be asked to provide the fist 5 d'ngts of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this ault oizatai to allow us and your bank to deduct each payment you authorize from you bank account, and to Mate 6M or credit entries to your bank account, as applicable to correct an error in the processing of such payment You must tell us the amount of each payment, or you can select an amount such as the Mnlmun Payment Due or the New Balance our each statement You can cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1.800-347.2683 or by tceW at the address listed it the previous paragraph. if your payments may vary in amount, we R tail you on each mont y statement when your payment will be made and how much u7 will be_ Your Automatic payment amount may be less than indicated on the monthly statement based an credits or payments applied curing the biting cycle. Credit Reporting. We may report nforrnatbn about your account to credit bureaus. late payments, missed payments, oroter defaa/ts co your account may be relleaed in your credit report. We normally report the slatus and payment history of your Account to credit reporting agencies each month. if you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316. Mininglo n. DE 198505316. Please irct de your creme, address, home telephone narmber and Account number. Periodic Finance Charges. Except as provided belov, we will impose Periodic Fiance Charges on purchases, cash advances, and balance transfers bejmft with tie data the transaction occurs unlit the date of repayment and on Old Balances until tie date of repayment. Old Balances are c o"rtsed of either pwrdtases and cash advances made on or (riot to the last day of your billing period ending during February 1993 or Reserve b.ke balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shaMm on the balig statement on which the pkxchase first appears by ibe Payment Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We call this tie'grace period'. You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beginning wph ire We the transaction o=r& Periodic Finance Charges are imposed on all transactions and Old Balances unit the dale of repayment, Repayment means payment of your entire New Balance. However, it you pay the New Balance shown on this biting statement by the Payment Due Date, end the Payments and Credits shown on this slafememt equal or exceed the Previous Balance, we will not knpose Periodic Finance Charges on new purchases. that ill, purchases first appea ft on Ups statement. I( you Account was closed as of September 27,1999, you can avoid payment of Periodic Finance Charges if you pay the New Balance shown on this Statement by the Payment Due Date and the Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise, you will receive a billing statement next math that includes Periods Finance Charges Imposed until the date of repayment We compute Periodic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the following eq;:s?n A,tmgr2tailyBalance-xi mber_ofdayskLthebing.porbd)LDailyPncRate.lRefertothetinancediaryesummaryouthefnsrotbfyourstatement kx.theseanwunts.l -- Then xv add all the Periodic Finance Charges lot each transaction category to get the total Periodic Finance Charges for you Account. TheAvetage Daly Balance is shoran as 0 if no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute tie average daily balance for each transaction category by adding up all the daily balances in a billing period for a iarmctiah category and dividing the total by the number of days in the billing cycle. We compute the daily balance for each bansactim category on each day by first adding the following to the previous day's dally balance: transactions made that day, fees charged that day, and Periodic F riarice Charges accrued on the previous days daily balance, and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. Old Balances are excluded from the balance of the purchase and cash advance tr ensaclion categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in to daily balance transfer transaction category. Balance transfers that were subject to an initial special rate that has been terminated due to a late payment are also Included in the category until the initial special rate oill wlae world have expired, in calculating the daily balance of the balance transfer transaction category an the first day of the baling period, we subtract the unpaid balance of lase Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. All lees charged to)WrAecount are added b the purchase transaction category wide the exxiolim of Cash Advance 7ransacton Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance iansfer transaction category. 9 a transaction made in a previous biting period is itemized on this statement, we consider the transaction date to be the first day of the current billing period when we calculate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deaf) assistance, call 14M&347-7440. O soover may monitor andfor record telephone cab between you and Discover representatives for quality assurance purposes. 'M. M--a- A L- 7«.,..A A , rUern - R-L, kA..-Mr Mlf' 23 SDSN6A02 0025607 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. 000001986618254696102055865300123000012500 'Discover Platinum Card Account Summary Closing Date: December 23, 2003 page 1 of 2 :Account number ending in 2472 Previous Balance $5,498.58 Payment Due Date January 22, 2004 Payments And Credits 123.00 Minimum Payment Due $125.00 Purchases + 82.08 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Lim It $2,500.00 Finance Charges + 128.87 Cash Credit Available $0.00 Now Balance = $5,586.53 : You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 11.12 Ccsshback8onos® Anniver ----------------------------------------------------- ---- - ------ ------------ 'Month: August :Keep usi your Discover(R) Card and watch ,your Cash:k Bonw(R) award growl ;Remember, once your Cashback Bonus award is at (east 20, you can redeem your :award by calling us or by lagging into the Account Center at Discovercord.com. 1. Visit Discover con to Id for no cod, view your ;How Can We Help You? latest Account Information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) 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 309A3, for TDD (assistance for hearing impaired) NO reverse side Sak Lake City, UT 84130 ;Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date ;Payments and Credits Dec 17 Dec 17 PAYMENT -THANK YOU $ -123.00 ;0&f/Mkscell&wwi' - - - - - D c 23- - Dt c23- -DISCOVER-ACCOUNTGUARD-I =877-883--939- - - - - - -d7.b8- - - - - - - Dec 23 Dec 23 OVERUMIT FEE 35.00 ;information for You ;Your balance has exceeded your Account credit limit by $ 586.53. An overlimit fee has been assessed to your Account and ;may continue to be assessed for each billing period you exceed your Account credit limit. ,Simplify and Save with three easy ways to transfer balances to your Di3COVer(R) Card. Call 1-800.767-7339 to see if a ;Balance Transfer offer is available for you, go to Discovercard.com, or look for Balance Transfer checks in the mail. ;Through the efforts of our Cardmembers, Discover Financial Services has donated over $1A million to the Make-A Wish Foundation(R) to make dreams come true for thousands of children with h6threatening medical condifwns. To share the .power of a wish(R) and donate your Cashback Bonus(R) award, please visit Discovercard.com or www.wish.org. January 4d, Luu4 Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the month minimum payment plus the overlimit amou of $586.53. Go paperless and make your account information more secure vnth password- protected statements only you can access. Learn more at discover corrdpaperiess. PO BOX 71084 Ill??sllnn?ls?ullnl?l?l CHARLOTTE NC 28272-1084 ?r??kE??e?uklillurlu?r?url??lnk?u?ulul?u?u?u?e?nl? important information. 9 there is more than one page to this billing statement, see the back of each page for additional important information. See your Cardmember Agreement. Your CardmemberAgreement contains all the term of your Account. Lost or stolen cards. Report immediately! Call f•600.347.2683. Billing Rights Summary. In Case of Errors or Questions About Your Bill: If you think your loll is wrong, or d you need more information about a transaction on your laR, write bus on a separate sheet of paper at Discover, PO Bcx 30421, Salt Lake City, UT 84130-0421, as soon as possible. VVe must hear from you no later than 60 days after we sent you the *9 bill on' wtdch the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your teller, give us the follovii g information: • Your name and Account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an em. If you need more Wormattm, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are ski obligated to pay the parts of your bit that are not in question. white we investigate your ! question, we cannot report you as delinquent or take any action to collect the amount you question, Special Rule for Credit Card Purchases; if you lave a problem with the quality of goods or services that you purchases with a credit card, and you have tried it good faith to correct the problem v filth the merchant you may rat have to pay the remaining amunnt due on the good or services. You have the protectlim only when the purchase price was more than $50 and fie purchase was made in your tome state or wihn 100 miles of your mailing address. (If we own or operate the merchant, or 'd we mailed you the advertisement for the goods or services, all purchases ate covered regardless of the amount or location of purchase.) Payments. Send only your payment mid the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use irformaion on your check to make an electronic fund transfer from your account at the fmarxrai ins6UAion indicated on you check or to process the payment as a dteck transaction. M payment is processed as an electronic fund transfer, the transierwii be for the amount of the check. When we use Information from your check to make an electronic hod transfer, funds may be withdrawn from you amount as soon as the some day we receive your payment, and you will not receive your check back from your financial Institution. The processing of your payment may be delayed'd you send cash, cormapondente or other items with your paymhent, Myou send the payment to any other address or M you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local Ilene on any day will be credited to your Account as of that day. Payments raceiveA at or prnr,ssing farallty after 5PM local time w be credited toyyour Account as of the net d?. lfymt have miaplacedycwr envelope, sendyeurpement to Discover, PO Box; 610.3, Carol Stream, IL fiM197 6103. Please akoiw 7-16 da (or Aeli lie If ys ry your payment is relumed unpaid. vie reserve the right for- - I - t - as an eieetromC dell. "" You can pay your minimum payment or a greater amount of the telephone, and you can set up automatic payments. Call us at 1480347-2683. You will need Mhis statement and your bank account itormatan. You must ensure that sufficient Ends ate available in your bank accoutit, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your amount statement ZIP code. By entering those numbers as your electronic signature, you avii be agreeing to this authorization to allow us and your bank to deduct each: payment you authorize from you bank account, and to Initiate debit or credit entries to your bank account, as applicable to correct an error in the processing of such payment. You must kill us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at least tree business days in advance of the scheduled payment. You may noily us by phone at 1400-347-2683 or by mat at the address listed In the previous paragraph. If your payments may vary In amours, we (M tai you on each monthly statement when your payment will be made and how much it will be. Your Autounaie payment amount may be less than indicated on the monthly slaismerkt based on credits or payments applied during the bang cycle. Credit Reporting. We may repot infrmafwn about your account to credit bureaus, fate payments, missed payments, or other defaults on your account may be reflected in your credit! report. We nomafy report the status and payment history of your Amount to credit repotting agencies each month. It you believe that our report is inaccurate or Inoanptete, please wife us at the WkyAng address. Discover, PO Box 15316, Wdrnngton, DE 19850-5316. Please include you name, address, home telephone number and Account number. Periodic Finance Charges, Except as provided below, we will impose Periodic Fiance Charges on purchases, cash advances, and balance transfers beginning wsh the date the trausactio?h occurs until the date of lepaymenland on Old Balances until the date of repayment. Old Balances are comprised of ether purchases and cash advances made on or prior to the last day of your bAV period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the bang statement on which the purchase trot appears by the Payment Due Dale, and the Payments and Cremes on the statement equal or exceed your Previous Balance. We call this the "grace perW. You do not have a grace period on balance transfers or cash advances. Periodic Fnaruce Changes are imposed on new balance transfers and cash advances begim'srg with the dale the inansadion occurs. ' Periodic Finance Charges are imposed on all transactions and Old Balances until the data of repayment Repayment means payment of your entire New Balance. However, 'd you pay the New Balance shorn on this taunt statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we viii not impose Periodic Finance Charges on new, ppurchases, that is, purchases first appearing on this statement If your Amount was closed as of September 27, 1999. you can avoid payment of Periodic Fiance Charges If you pay the New Balance shown on this Statement by the Payment Due Dote and the Payments and Crests on Ihis statement equal or exceed your Previous Balance. Otherwise, you will receive a billing statement next month tat Includes Periodic Finance Charges imposed until the data of repayment. We compute Periodic Finance Charges each day far purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the following EquatunAvaagcDaitKBalance.zndrntacrafdayshMhethiligmdodxDalyPeri?icRate. (Referdo.toe.fioanceshargg:suhnulary.onlhefront ofyourstatemerhttortnesr aroa>ants)_.:. Then we add all the Periodic Finance Charges for oath trar sactikn category to gel the total Periodic Finance Charges for you AccotmL The Average Deily Balance is strewn as 0 If no Periodic Fiance Charges apply to the balance In a traceacMon nategay. We use the Average Daly Balance CrAidmg new transactions) meted of calculating the balance upon which we impose Periodic Fiance Charges. We compute the average daily lance for each transaction category by addig up all the daily balances In a tailing period for a transaction category and divtdirg the total by the number of days in the biting cycle. We compute the dairy balance for each transaction category on each day by first adding the following to the previous days dairy balance transactions made that day, lees charged tat day,: and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on Mat day Old Man= are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were subject to an initial special rate that has been terminated due to a late payment are also included in the category until the initial special rate otherwise would have explmd. In calculating the daily balance of the balance transfer transaction category on the fast day of the billing period, we subtract the unpaid balance of those Balanoe Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to @a balance of the purdbase transaction category. AN fees charged to your Amount are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Changes which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. N a transaction made in a previous; billing period is itemized an this statement, we consider fie transaddion date to be the fiat day of the current billing period when we calculate your Periodic Fiance Charges. For TDD (telecommratcatiorrs Device for the Deaf) assistance, call 1400347.7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes. The IAccam' card is issued by Discover Bank, Member FDIC. 23 SDSN6A02 0025608 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. 00000198661825469610205663290012500001260D _..,.,..,r---------- Discover Platinum Card Account Summary Closing Date: January 23, 2004 page 1 of 2 'Account number ending in 2472 Previous Balance $5,586.53 Payment Due Date February 22, 2004 Payments And Credits - 125.00 Minimum Payment Due $126.00 Purchases + 82,73 ;Credit Limit $5,000.00 Cash Advances + 0.00 ;Credit Available $0.00 Balance Transfers + 0,00 Cash Credit limit $2,500,00 finance Charges + 119.03 :Cash Credit Available $0.00 New Balance = $5,663.29 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 11.12 LashbackBonus&Anniversa ----------------------------------------------------------------- Month-. August Keep usinngg your Discover(R) Card and watch your Coshback Bonus(R) award growl ;Remember, once your Cashbock Bonus ,award is at least $220, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. HOW Can We Het You? p I . Visit D6*w4 roam to pay your bit for no test, view r latest Account information, earn and redeem rewards and more - 'It's your choice - 3 ways to help 2. Call 1.8004DISCOVER (347.2683) for fast, easy sel 4ervice 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 Oats Payments and Credits Jan 15 Jan 15 PAYMENT -THANK YOU $ -125,00 - CNf t?lN'+szelftlnec+is - - Jan 23- _ Jtrn-23- - DISCOVER A-CCOU NTGttARD- 1.37748349591 .... . . . . .. - - 4773 - - - Jan 23 Jan 23 OVERUMIT FEE 35.00 Information For You Please note, the Traditional Cashback Bonus award is now caged the Purchase Cashback Bonus award. Your balance has exceeded your Account credit limit by $ 663.29. An overlimit fee has been assessed to your Account and 'may continue to be assessed for each billing period you exceed your Account credit limit. 'Simplify and Save with three easy ways to transfer balances to your Discover(R) Card. Call 1-800.767-7339 to see if a Balance Transfer offer is available for you, go to Discovercard.com, or look for Balance Transfer checks in the mail. February 7.2, 2044 Please make check payoble to Discover Platinum Card. You are overlimit. Pay the sum of the month)y minimum payment plus the overlimit amount of $663,29. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.corNpaperiess. PO BOX 71084 (llnr!ln+nlrl+rllnlrlrl CHARLOTTE NC 28272-1084 Ir+l+ll+rl+++I+II+++lrrl+l+++IlII+++Irrlr+Irrli+ri++Ir+lrl+rll Important Information. It there is more than one page to this billing statement, seethe back of each page for additional important infonnstion. See your CudmemberAgreemenL Yax Cardmember Agreement contains all the temis of your Account. Lost or stolen cards. Report immetiaW. Cali 1400.347.2683. Bang Rights Summary. In Case of Errors or Questions About Yohir 81: If you hunk 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 Discover, PO Box 30421, Safi Lake City, LIT 84130-04 21, as wort as possible. We must hear trom you no later than 60 days after we sent you the first bill on which the em or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and Aaourht number. The dolor amount of due suspected error. • Describe the error and explaih.'d you can, why you believe there's an error. If you need more ihlomhatien, describe the item you are unsure about. You do not have, lo pay any amount in question while we are investigating, big you are still obligated to pay the parts of your bill that are not in question. Me we investigate you question, we cannot report you as delbrquent or take any action to collect the amount you question, Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you pxdmases with a credit card, and you have tried in good fain to correct the problem with the merchant, you may trot have to pay the remaining amount due on the good or services. You have the prolectim only when the purchase price was more than $W and the purchase was made in your hone state or %VW 100 routes of your milling address. (If we own or operate the merchant, or 9 we mated you the advertisement for the goods or services, at purchases are covered regardless of the amount or location of purchase.) Payments. Send only your peymont and the top potion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use kilbrmation on your check to make an electronic fund transfer from you account at the financial institution Indicated on your check or b process the payment as a dock transaction. t paymand is processed as an electronic how) transfer, the transfer will be for the amount of the check. yYlhemt we use Ydonrmatori from your check to make an dectoonic lund transfer, kurhds may be withdrawn from you account as soon as the same day we receive your payrnerit, and you will root receive your check bads from your financial msslittubom The processing of your pay merit may be delayed 9 you send cash, coiresspondence or other hem with your payment N you send the payment to any other address or if you use an envelope oher than the one provided. Payments received in proem form at our processing to ft by 6PM local time on any day will be credited b yourftourht as of that day. Payments received at our prooes vikg facility alter 5PM boa) time will be credited to yauu Account as of the next daY. If you Nava wVaced your envelope, sendyous payrnHhtto Discover Pd Box G1D3, CaroT3tream: IL u 1rJ7.5 53: fasiy atTav?=f5ofays fail detniery tf ykwi paymenst iet6rikedurrpaid -ih16? res+firnrt t as an arechanrc ded't. ------------ You esenre rg can pay your minimum payment or a greater anamit of the telephone, and you can set up automatic payments. Cali us at 1-00,947-2683. You will need this statement and your bank account information, You must ensure that sufficient funds are available in your bank account and all transactions must comply with U.S. levy. You trill be asked to provide the first 5li9b of your account statement ZIP code. By entering those numbers as your h31ectrarho signature, you will be agreeing to this authorization to dbw us and your bank to deduct each payment you authorize from you bank account, and to irhdiate debit or credit entries to your bank account, as eppicable to correct an enor in the prooessi g of such payment. You must tat us the anxiunt of each paymuornt, or you can select an amount such as the Mrimman Payment Due or tie New Balance on eadi slete mom You can cancel a payment, however we mast receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1.800-347-2683 or by mat at the address Wed in the previous paragraph. if your payrents may vary in amount we it tog you on each monthly statement when your paymerdw3 be made and how munch it who be. Your Automatic payment amount may be less than indicated on the mority statement based of credits or payments applied during the billing cycle. Credit Reporting. We may report ietomnhaion about your account to o re& bureaus. Lain payments, missed payments, or other defaults on your account may be reflected In your credt; repot. We normally report the status and payment history of your Account to credit reporting apron each mo nft If you belim that our report is inaccurate or inoomplete, please write us at the fotonirhg address: Discover. PO Box 15316. Wilmington, DE 19850-6316. Plane include your rams, address, home telephone number andAocouht number. Periodic Finachce Charges. Except as provided below, we will In"e Periodic Finance Char" on purchases, cash akkranoes, and below transfers begirirdng with the date the fransacltan ookxrs ad the date of repayment and on Old Balanon un@ the dale of repwreraf. Old Balances aka comprisedcifeitarpurdaw and cashadtrmxuesmade on or prior to to last day of your bitng period emdkg during February 1993 or Reserve tine balances. Yeu can avoid payment of Periodiic Finance Charges on new purchases if you pay the New Balance ohm on the billing stateme 1, on which the purchase first appears by the Payment Dire Deb, and the Payments all Credits on the statement eq W or exceed your Previous Baierkoe. We call this the 'gram pentad'. You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on now balance transfers and cash advances begkmung with the dale She transacton occurs, Periodic Finance Charges are imposed on all transactions and Old Balances until to date of mpaym m, Repayment means payment of your entire Now Balance. However, if you pay the New Balance shown on this b&q stetement by the Payment Due Date, and the Payments arad Credits shorn on this statanhork equal or exceed the Previous Balance, we vrll not Impose Periodic Finance Charges on new puachnes, that ts, purchasas first appearing on ids statement. If your Account was dosed as of September 27, 11999, you can avoid payment of Peiak Finance Charges t you pay the New Balance shown on this Statennert by the Payment We Date and the Payments and Credits on this statement equal or exceed your Previous Balance. Otuxwtse, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the date of repayment. We compute Perafic Finance Charges each day for purchases, cash advances, balance transfers and lid Balances (which we rider to as transaction categories) by using the following - - r:?stiah:Ah?eoroge-Daily f3alancR.xt!rraber-ofdaYsin_the!>t.GeriodxRafiYPe?cl?ate{Refet.tolAe.MaRcechdrgo-s0nimgatYoathe.ir_or_kt_ofYcu_rstgtemarst6orthe;;?erm9unl?.! __ Then we add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daly Balance is shown as 0 0 no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (mclud'ng new transactions) meted acakxdatkg the balance upon which we impose Periodic Finance Charges. We compute the average daily balaihoe for each transadori category by adding up all the dally balances in a Wing period for a transaction category and dividing the total by the number of days in the biting cede. We compute the dally balance for each bansadiad category on each day by first adding the fo8ovdrg to the previous days dally balance: transactions made tfhat day, tees charged that day, and Pedodic Finance Charges accrued on the previous days dally balance: and by Sheri subtracting any credais and poyrarts that are applied against the balance of the lmnsxODn category on that day. Old Solonces are excluded from the balance of the purchase and cash advance transaction categories. Special rate batancce transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers !that were w*d to an initial special rate that has been terminated due to a late payment are also bnduded in the category until ilia initial spacial rate otherwise would have expired. In calculating toe dairy balance of the balance transfer transaction category on the first day of the- bUM period, we subtract the unpaid brine of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. AM fees charged to your Amount are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the cash advance transaction category and Boleros Transfer Transaction Fee Finance Charges which are added to the balance transfer transadion category. 9 a transaction made in a previous bi'll'ing period is Itemized on ode deterrent. we wn3kW the transaction date to be the first day of the current billing pedal when we calculate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deaf) assistance, call 14IW347-7449. Discover may monitor and/or record Wephone cats between you and Discover representatives for quality assurance purposes. The nivrnrefh r rA mt itM wit hw f}itmu r Rama Uamhwr snin 23 SDSN6A02 0025609 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. Please mace chack payable `o ')!stover Platinum Card. You are overlimit. Pay tho sum o? the rrionthly minimum payment plus +'ie overlimit amount of $741.25. Go paperless and make your aa,ount information more secure with password- protected statements only you can access, exam more at discover.comfpaperless. PO BOX 71084 iiirirllrruuririuriIrrirlr! CHARLOTTE NC 28272-1084 000001986618254696102057412500126000012800 Discover Platinum Card Account Summary Closing Date: February 23, 2004 page l of 2 Account number ending in 2472 Previous Balance $5,663.29 Payment Due Date March 22, 2004 "ads And Credits 126.00 Minimum Payment Due $128.00 Purchases + 83.38 'Credit Limit $5,000.00 Cash Advances + 0.00 'Credit Available $0.00 Balance Transfers + 0.00 !Cash Credit Limit $2,500.00 Finance Charges + 120.58 'Cash Credit Available $0.00 New Balance - $5,741.25 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Casa ba& Bmuse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashbaek Bonus Balance $ 11.12 -'C-ashlmck-Bonus® Anniver ------------- -------------------------------------------------------- !Month: August How Can We Help You? 1. Visit Discow.cwn to pay your b? for no cost, view your latest Account information, earn and redeem rewards and more ;it's your choice - 3 ways to help 2. Call 1-8MDISCOVER (347-2683) for fast, easy s4service 'Please have your Discover Card available. y01 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 Iransaetions $0 Fraud Liability Guarantee Use your Discover Card with confidence. . Post T outs 'Payments and Credits Feb 14 Feb 14 PAYMENT -THANK YOU $ -126.00 Other/Wscellaneaus Feb 23 Feb 23 DISCOVER ACCOUNTGUARD 1-877.883-1959 48.38 Feb 23 Feb 23 OVERLIMIT FEE 35.00 'Information For You ;Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. ---- -- ----- - -- - - --------------------------------------------------------------------------- Your balance has exceeded your Account credit limit by $ 741.25. An overlimit fee has been assessed to your Account and ,may continue to be assessed for each billing period you exceed your Account credit limit. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FWANCE FINANCE Balpnces Rates RATES RATES CHAR W_ CHARGES current billing period: 31 days Purchases $3733.91 0.06847% 24.99% F 24.99% $79.25 $0 'Cash Advances $1947.14 0.06847% 24.99% F 24.99% $41.33 $0 .The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. If there is more than one page to this billing statement, we the back of each page for additional important information. o See your CardmemberAgreement. Your CardmemberAgrearient cortlains all the terms of yourAcccunt ce z Lost or stolen cards. Report immediately! Call 1.1111"7.2683. n Billing Rights Summary. In Case of Errors or Questions About Your Bit: if you think your bill is wrong, or i you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake Cify, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on' which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following 1nbination, Your name andAccrwnt number. The dollar amount of the suspected error. Describe the error and explakr, d you can, why you believe there is an error. If you need more ntomtation, describe the item you are unsure about You do not have to pay any amount in question while we are investigating but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as deinque nt or take any action to coped the amount you question. Special Rule for Credit Card Purrdrases: If you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remanng amount doe on the good or services. You have ore protection only wheys fe purchase price was more than $50 and the purchase was made in your home stale or within 100 miles of your mailing address. (t we own or operate the merchant, or If we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your dock as described above, you authorize us to use information on your check to make an electronic fund trarhster from your account at the &sixdal inslilUtion Indicated on your check or to poem the payment as a check transardim. H payment is processed as an electronic rand Veneta, the transferwill be for the amount of the coact. When we use Information from your dtedc to make an deftnio hind transfer, fiords may be wdWrawn from you account as soon as the some day vie receive your payment, and you will not receive your check beet from your financial institution. The processing of your payment may be delayed i you send cash, correspondence or other Items with your payment, ttyou send the paymerR to any other address or N you use an envelope other than the one provided- Payments received In proper form at our processing lecilly, by SPM local fore on any day will be credited to your Account as of fast day. Payments re4yo as_our procgssing 1ac1ty after 5PM local We will be credited toyourAccourit as of the next day, _ . N Son _ _ have msisP Y. _ -Ue- , - ar,pa m en _ t _ . _ iiiri g t to Discover PO Box. 6103, Carol Stream, 1160197-6103. Please atow%M dapi fordeii If year payment is returiled unpaid, we reserve tyre right W resu bin t as an etectronrc debt You can pay your minimum payment or a gl@aftermount of the telephone, and you can set up automatic payments. Cal us at 1-800-347-2883. You wig need ft *lament and your bank account information. You mist ensure that sufficient funds are available in your bank amount, and all transactions nest comply with U.S. law. You will be asked to provide doe first; 5 digits of your account statenert ZIP code. By entering those numbers as your electronic signature, you will be agreekg to this authorization to allow us and your bands to deduct each payment you authorize from you bank accord, and to innate debit or credl entries to your bank account, as applicable to cornett an error In the processing of such payment. You must; tell us the amount of each payment, or you can select an amount such as the M Nnw Payment Due or We New Balance on each statement You can cancel a paymmL however we must receive notice at least three business days in ad rence of the scheduled payment You may noliffy us by phone at f-800347-2683 or by mail at the access listed in the previous paragraph. If your payments may vary in amount, we it let you on each monthly statement when your payment coil be made and how much It will be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied doing the billing cycle. Crec9! Reporting, lNe may reps! hfdmafom about your accorrt w craeit bureaus. Late paymoats, missed payments, wotKr detaufs on your aanunt may be raOeded n your enact' report We carnally report the sighs and paymarct iratory of your /ucceunt to credit reporting agencies each manfn. f you believe Cwt corn report l inaccurate or inecrplele, please wwie us at fie blowing address: Discover, PO Box 15316, Wilmington, DE 198503316. Please nckrle your mama, address, tarts telephone number and Account number. Periodic Finance charges. Except as provided below, we wit Impose Periodic Finance Charges on purchases, cash advances, and balance transfers beginning with the date the transaction occurs until the date of repayment and on Oki Balances until the date of repaymannt Old Balances are comprised of either purchases and cash advanoess made on or prior to the last day of your billing period ending during February 1993 or Reserve time balances. You can avoid payment of Periodic Finance Charges on new purchases I you pay the New Balance shown on the tilling statement on whicts the purchase fast appears by the Payment. Due Date. and the Payments and Crecfits on the statement equal or exceed your Previous Balance. We call this Ihe'gace period". You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on now bolero transfers and cash advances beginning with to data toe transaction occurs. Periodic Finance Charges are imposed on all transactions and Old Batences until the date of repayment Repayment means payment of your ertke New Balance. However, if your pay the New Balance shown on ins biting statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed rte Previous Batence, we will not impose Periodic Finance Charges on new purchases. OW is, purchases first appearing on On atatement If your Account was dosed as of September 27, you can avoid payment of Periodic Finance Charges If you fay the Now Balance shown on this Statement by the Payment Due Date and the Payments and Credits on this statement equal or exceed your Previous Batanice. Otherwise, you will receive a billing statement next month that includes Periodic Faranca Charges imposed until the data of repayment. We compute Periodic Fmowce Charges each day for purchases.. cash advances. balance trenslera and Old Balances {which we refer to as transaction categories) by using the fclk-ling i rcAvcl, e.D he?a!arwexrwm@cror :cyan:.he:u5w+; c PL-:WicRate. lRa!er.to.the. cuurahar sjwoiary.onlhekontefW.;rstatementtor theseaanw J^1!i) Term we acct all ti,e PerucRc Firsanroe Charges for each transadion category to get the total Periodic Finance Charges for your Account. TheAverage Daily Balance is shown as Off no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (mdudi g new transactions) mettad of calculatkg the balance upon which vie Impose Periodic Finance Charges. We cxxrpule the average daily balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and d*MdrV the total by the number of days In the filling cycle. We compute the dally below for each transaction category on each day by first adding the following W the prefts day's daily balance: transactlorha made that day, tees charged that day, and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. Old Balannces are excluded from the baWa of the purchase and cash advance transaction categories, Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were subject to an inft'al special rate that has been terminated due to a late payment are also included in fie category anti the inAW special rate otherwise would have eVined. In celcrlalnq the dlaly balame of the balance transfer ixansadion category on the fist day of fe biting period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. All fees charged to your Amount are added to to purchase transaction category with to exception of Cash Advance Transaction Fee Finance Charges Oft are added to the cash adwoe transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. If a transaction made in a previous bilfrg period is itemized on this statement, we consider the tra nsacfon date to be the first day of the current billing period when we calculate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deal) assistance, call 14OO.347.7449. Discover may monitor andlor record telephone call between you and Discover representatives for quality assurance purposes. The Discover* card is issued by Discover Bank, tvtember FDIC. 23 SDSN6A02 0025610 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 APn1 ZX, Su V4 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. Pease make deck payab'e !o Discover Platinum Card. You aro overlimit. Pay the sum of the rc;onthly minimum payment plus the overlimit amounT of $809.77. 943 paperless and make your account information more secure with password- pprotected statements only you can access. LEam more at discovercorrmlpaperless. PO BOX 71084 111111111#11111 111111613111 CHARLOTTE NC 1I28272•-10841 lJ t I11?1I?IIIIIIIr)Ililllllllllr)IIIIU?11I1JIfl)?f?)1111?)1llrll 000001986618254696102058097700130000013000 Discover Platinum Card Account Summary Closing Date: March 23, 2004 Account number ending in 2472 .Payment Due Date April 22, 2004 Minimum Payment Due $130.00 Credit Limit $5,000.00 Credit Available $0.00 ,Cash Credit Limit $2,500.00 ,Cash Credit Available $0.00 Previous Balance page l of 2 $5,741.25 Payments And Credits 130.00 Purchases + 83.96 Cash Advances + 0.00 Balance Transfers + 0.00 finance charges + 114.56 New Balance = $5,809.77 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.12 New Cashbock Bonus This Period + 0.00 Cashbadc Bonus Balance $ 11.12 Cashbaclc Benos&Anniversa ---- ------- -----------•------------------------------------- Month: August Keep usingg your Discover(R) Card and watch :your Cashback Bonus(R) award growl Remember, once your 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 Discover corn to pay year bil Ifor no cos, view your p krtsst 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 Payments and Credits Mar 18 Mar 18 PAYMENT - THANK YOU $ -130.00 ??i'sr?Mis?dlftliiebus _-._._._._Mar23-_-Mzir 23--DtSCOVERA000UNTGItARt7143'774383=T959 --- .... - -...- --- 48-.9767--- Mar 23 Mar 23 OVERLIMIT FEE 35.00 Information for You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashbock Bonus award Your balance has exceeded your Account credit limit by $ 809.77. An overlimit fee has been assessed to your Account and may continue to be assessed for each billing period you exceed your Account credit limit. 70% of credit reports contain at least one mistake (Consumer Reports, January 20011. Enroll in optional ProfileProted(R), and we will send your credit report, monitor your credit file for changes every business day, and send you Quarterly Credit Updates - tools to help protect yourself from identity theft. Call 1-877-737-1936 to enroll. Important Infomratlon. If there is more than one page to bus billing statement, seethe back of each page for additional important information. See your Cardmember Agreement. Your Cardmemb er Agreement contains all the terms of yourAccount Lost or stolen cards. Report immediately! Call 1.800.347.2683, BipMg Rights Sur maryr. In Case of Emrs or QuestioraAboul Your OR If you M yourbill Is wrong, or if you need more Information about a tramsacllon on your boy, write us on a separate sheet of paper at Discover, PO Book 30421, Sall Lake City, UT 84130(421, as soon as possible. We must hear from you no later than 60 days after we sent you the fast bhp on which the error or problem appeared. You can telephone us. but doing so will not preserve your rights. In your letter, give us the following Information: • Your name and Account num. • The dollar mount of the suspected error. • Describe the error and explain, t you can, why you believe there is an error. If you need more infommation, describe the item you are unsure about You do not have to pay any amount In question while we are investigating, but you are still obligated to pay the ports of your but that are not in question. While we hves%ate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchases with a credit cord, and you have tried in good forth to correct the problem with time merchant, you may not have to pay the remuatnng amount due on time good or services. You have the protection orgy when the purchase price was more tan $50 and the putchass was made in your home state or within 100 miles of your mailing address. (if we own or operate the merchant, or 9 we mated you the advertisement for the goods or services, ae "dims are covered regardless of the arnount or location of purchase.) Payments. Send orgy your payment and the top portion of tits statement in the envelope provided. Do not send cash. By sendny your check as described above, you auftrize us to use information on your chedk to make an electronic fund transfer from your accent at the financial institution indicated on your shack or to process the payment as a check transaction. I payment is processed as an electronic fund transfer. the transfer wfl be for the amount of the check. When we use nWnnaOOn from your check to make an eMdm* fund transfer, funds may be withdrawn from you account as soar as the same day we receive your payment, and you will not receive your check back trop your financial institution. The processing of your payment may be delayed rf you send cash, correspondence or other items with your payment, if you send the payment to any other address or 0 you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local lima on any day will be credited to your Account as of that day. Payments received at ourproce9ft faciily aW 5PM bcal time will be credited toy hour Account as of the next day. t you have mis aced your envelope, sendYour payment to Discover, PO Box. - - -s1Ts3, Caiof Steam- - ,IL 187•bitA: Please alToiv7 =i6 kfajrs foil del'kve-ry: IT pouf paymekit is ietumedunpard, vie"res"erre the ighl fo-resipix-raTtas an efegiorhhc deblr: - - - - - - - - • - - You can pay your minimum payment or a greater amount of the telephone, and you can set up aulo nafic payments. Call us at 1.800.347,2883. You will need this statement and your bank account information. You must ensure that sufficient funds are avasable in your bank account, and at transactions must comply with U.S. law. Youw01 be asked to provide the first, 5 dfgas of your account statement ZIP code. By entering those numbers as your elecUnrdc sdgneture, you wig be agreeing to this authorization to allow us and your be* to deduct each. payment you authorize from you bank account, all to initiate debit or crest entries to your bank amount, as applicable to correct an error in the processing of such payment. You must. tee us the amountoleecm payment, oryoucansetecten arhourlsrrch as the Mk n um Payment Dueor liar New Balance on each statement. You can car eta payment howeverae must receive notice at least tree business days in advance of the ubeduled payment. You may no* us by phone at 140347.2883 or by mail at the address listed in the previous paragraph. If your payments may vary in amount we S tell you on each monthly statement when your payment YAI be made and how muck it will be. You Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the bcycle. Credit Repodhhg. We may report Information AM your account to credit bureaus. Late payments, missed paymerft orother defakils on your ac co mt may be reflected in your credit report. We normally repot the status and payment history of yourAccound to credit reporting agencies each month. 9 you bakes that our report is inaccurate or incomplete, please write us at the lodtowing eddress Discover, PO Box 15316. Wtmngbn. DE 198505316. Please include your name, address, home telephone number and Account number. Periodic Finance Charges. Exoept as provided betow, we will Impose Periodic Finance Changes on purchases, rash advances, and balance ftWers beginning with the date the transaction occurs unit the date of repayment and on Ofd Bahanoea until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 19,93 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new puchases If you pay to New Balance shown on the Wag statement on which the padmase first appears by the Payment Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We cat gds the 'race period'. You do rot have a grace period on balm transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and tartn advances begdoM with ft date the transaction oaars. Periodic Finance Charges are imposed on all transactions and Old Balances until the data of repayment. Repayment means payment of your entire New Balm, However, t you pay the New Balance shown on ft King statement by the Payment Due Date, and time Paymets and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on renew purchases, that is, purchases fast appearing an this statem enL If your Account was cased as of September 27,1999, you can avoid payrnent of Periodic Finance Charges tyou pay the New Balance shown on this Statement by the Payment Due Date and the Payments and Crektts on this statement aqua! of exceed your Previous Balance. Otherwise, you will receNe a Wiling statement need month that includes Periodic Finance Charges Imposed until the date of repayrnenl. We compute Periodic France Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction catagm*) by lensing the following donation: Avsca0e Doty B@Wce xr umber of days In-bite Nh%ji) Xx ?alb Pe- Rate, &k.r.to ft fnany@ O.Wge skpmmaryon tlxl1rgnt ofyouf statement f r there amounLs.1 ' - lthen we add all the Parodic FvanceCharges for each transaction category to gal the total Periodic Finance Charges for your Account The Average Dairy Balance is succor as 01f no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Oaiyr Balance (inciudng new transactions) method of Tabulating this balance capon which we impose Periodic Finance Charges. We compute the average daily balance for each transaction category by adding up all the dally balances in a billing period for a transaction category and dividing the total by the Punta of days in the bBehg cycle. We compute the dally balance for each transaction category on each day by test addling the blovvbg to the previous day's daily balance,. transactions made that day, fees charged that day, and Periodic Finance Charges accrued on the previous days daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. Old Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included m the daily balance transfer transaction category . Balance transfers tat were subject to an initial special rate that has been terminated due to a late payment are also included In the category until the initial special rate otherwise would have expired. In calculating the dally balance of the balance transfer transaction category on the first day of the billing period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. Al fees charged to you Account are added to the purchase transaction category with the exception otCmh Advance Transaction Fee Fnm Charges which are added to the cash advance Inumacion category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. t a transaction made in a previous biting period is itemized on this statement, we consider the transaction date to be the f ! day of the wrent biting period when we dbufate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deaf) assistance, call 1800.347.7449. Discover may monitor ardor record telephone calls between you and Discover representatives for quality assurance purposes. The Dscove& card is issued by Discover Bank, Member FDIC. 23 SDSN6A02 0025611 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 Address, e-mail or telephone changeB Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618254696],020583734130130000013000 'Discover Platinum Card Account Summary Closing Date: April 23, 2004 page 1 of 2 Account number ending in 2472 Previous Balance $5,809.77 Payment Due Date May 22, 2004 Payments And Credits 179.93 Minimum Payment Due $130.00 Purchases + 84.19 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 !Cash Credit Limit $2,500.00 Finance Charges + 123.31 'Cash Credit Available $0.00 New Balance $5,837.34 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshback BonuO Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 11.12 ,Cashbaak8onas® Annives ------- - -- -- ------------------------- -- --- --------------------------------- :Month: August Keep using your Discover(R) Card and watch h b C k B R d l as onus( ) awar grow ac your ;Remember, once your Cashback Bonus d i 20 d l s at , you can re eem your awar east $ b b ' award y calling us or y logging into the ;Account Center at Discovercard.com. :How Can We Help You? 1. Visit Discover com to pay your 169 for no cost, view your latest Account information earn and redeem rewards and more At's your choice - 3 ways to help 2. Cal 1-SOODISCOVER )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 of Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Past Date Date Paymwnts and Credits Apr 8 Apr 8 FINANCE CHARGE REFUND $ -0.97 __------------------- Apra._-Apr.B.- -ACCOUNTGUARD-REFUND--- -------------- ------------ - -•-4&.96------• Apr 16 Apr 16 PAYMENT-THANK YOU -130.00 ;Ocher/M'aalf'oneous Apr 23 Apr 23 DISCOVER ACCOUNTGUARD 1-877-883-1959 49.19 Apr 23 Apr 23 OVERUMIT FEE 35.00 'information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. Your balance has exceeded your Account credit limit by $ 837.34. An overlimit fee has been assessed to your Account and :may continue to be assessed for each billing period you exceed your Account credit limit. may Ld, AVV4 Please make check payab'e to Discover Platinum Card. You are overlimit. Pay the sum of the rronthly minimum paymen; pus the overlimit amount of $837.:f4 Go paperless and make your account information more secure voilh password- protected statements only you c,in access. earn more at disc over.comlpapertess. PO BOX 71084 Il?iul?rainlr?nl?u?rlrl CHARLOTTE NC 2824r2-1084 li?lrtl?rlrrrl?llir?lirlrlr?rllli nrlrrl? rlrrllrrlr?lr?lrf rrll Important Information. If there is more than one page to this bhyng statement, see the beds of each page for addliorel important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immedfatelyi Call 1.800.347.2683. Biting Rights Summary. In Case of Errors or Questions About Your WA: If you t irk your bill is wrong, or 'd you need more information about a transaction our your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 841311-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give is the Wowing infomnallm. • Your name and Aooowt nkrrpher. • The dollarsmount of the suspected error. • Describe the error and explain. if you can, why you believe there is an error. If you need more Information, describe the hem you are unsure about. You do not have to pay any amount In queslbn wixto we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchases with a aadA card, and you have tried In good faith to coned the problem with the merchant, you may not have to pay the remaining amount due on the good or services. You have the protection only when the purchase price was more than $50 and the purchase was made in your terra state or within 100 mites of you mailing address. (If we own or operate the merdtent, or N we mailed you the advertisement for the goods or services, all purchases are covered regardless o (the amount or location of purchase.) Payments. Send arty you payment and the top portion of this statement In the envelope provided. Do not send cash. By sending your check as described above, you auttadze us to use intormatiot on your check to make an electronic fund transfer from your account at the financial institution Indicated on your cIv4 or to process the payment as a check transaction. t psymard is processed as an eledronlc fund lransler, the transfer will be for the amount of the thedc Man we use information from yam deck b make an electrode fund bansfer, funds may be widhdrawn from you account as soon as the same day we rewive your payment, acid you will not receive your check back Nan you francal institutun. The processing of you payment may be delayed 6you send cash, comispondence or other items with you payment, If you send the payment to any other address or it you use an envelope other than the one provided. Payments received In proper form at our processing facility, by SPM local time on any day will be asilhed to yaw Account as of that day. Payments received at our processing taalily alter SPM local lime coif be credited to your Account as of the nett day. If you "P ' aced re , seW you payment to Discover, PO Box' ti103. Carofearn. IL 601$7•b1d3" Please allow 7-iU days ibi dekvery: li ydui paymisnt is retuned unpaid vie reseive rigfa 1o resufmh i as minrantc debhC ------------ dnm pay your mpfp(nlAru payment or a greaterarratut of the telepltahe,and you cart set up automatic payments. Cal lls at 1?OD347-268;1. Yeu coil need this statarrent and your bank account irtormalion. Yat must enahue tlhat sufficierht funds are ova le in your bank account arx3 al lraraacticrhs roust oortgly vuMh U.S. hw, You will be asked to provide the first 5 digits OF your account statement ZIP code. By enterilt9 throes numbers as your eleciranic sigratmue, you will be agreeing fo this attttmarbation to slfow its and your bards 1e deduq earth payment you attfhaize from yon bank account, and to innate debit or credit entries to your bads amont, as applicable fo correct an error in rte processing of sthcm payment. You must tep us the amount of each paymmarht, or yrou can select an amount such as the Mittmurtwn Peymerd Due or the New Balance on each stalarhermt. You can exrcel a payment, however we moat receive notice at least three business days In advance of the scheduled payment. You may notify us by phone at 1-800-347-2683 or by mail at the address listed In the previous paragraph. If your payments may vary in amount, we III tell you on each monthly staterrent when you payment will be made and how much it will! be, You Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the Nk* cycle. Credit Reporting. we may report blomtation about your account to credit bureaus. Late poyrnents, missed paymea% or other debuts on your as oum may be rdllecied In your credt' report. We ramnaAy repot the status and payment history of your Account to *Wk reporting agencies each math. hyou beieve that our repot Is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wiknirgton, DE 19850-5318. Please include your name, address, hone telephone number andAcco nt number. Periodic Finance Charges. Except as provided below, we will impose Periodic finance Charges on purchases, cash advances, and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Bslaraes until rte date of repayment Old Balances are comprised of enter purchases and cash advances made on or prior to the last day of your billing period erxfig during February 1993 or Reserve Line balances. You can avoid payment of Periodic Firhance Charges on new pxclwes if you pay the New Balance shown on the b6'ag statement on which the purchase first appears by the Payment, Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We pit this the 'grace period'. You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance trarders and cash advances beginning with the date the kansacion occurs. Periodic France Charges are imposed on all transactions and Old Balances until the date of repayment Repayment means payment of your entire New Balance. However, Hyou pay The New Balance shown on this biting statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance. we will not impose Periodic Finance Charges on new purchases, that 1% purchases first appearing on fps statement. If your Account was dosed as of September 27, 1999. you can avoid payment of Periodic Finance Charges t you pay the New Balance shown on its Statement by the Paymerd Due Date and the Payments and Credits on this statement equal or exceed you r Previous Balance. Otherwise, you will receive a billing statement next monttm that includes Periodic France Charges imposed uNt the date of repayment. We compute periodic Finance O arges each day for purchases. cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the folovmg - cg --+= u-Auu.npz.Dahy Bahatce xnumbe tof dayakltlie bilicg Recr>~ X 040 y PSriadib Rate, (Referlo lh° aBceshzrpe 5ttomgrY ou]Ite frorhtof your Starr. W. I* flttisg $rr ourls:! Then we add all the Periodic Finance Charges for each transaction category, to get the total Periodic Finance Charges for your Account The Average Daly Balance is shown as 0 t no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (ncludig new transactions) meted of calculating the balance upon which we impose Periodic France Charges. We compute the average daily ; balance for each transaction category by adding up all the daily balanoss in a billing period for a transaction category and dividing the total by the number of days in the bWm cycle. we eompule the daly balance for each transaction category on each day by first ad ft the folla*j to the previous day's daily balshoe: transactions made that day, fees changed that day, and Pe kxk France Charges accrued on the previous day's daily belance: and by then subtracting any credits and payments that are applied against the balance of to transaction ratrgoy on that day. Old Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee France Charges are included in the daily balance transfer transaction ealegory. Balance transfers that were subject to an initial special rate that has been terminated due to a late payment are also inducted h the category uetd the motel special rate otnmwfse would have expired. In cakxrtafig the daily balance of the balance transfer hansaction calegoryon the fish day of the bft period we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. All fees charged to your Account are added to to purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. If a transaction made in a previous billing period is itemized on this statement, we consider the transaction dale to be the fast day of the current billing period when we calculate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deaf) assistance, call 1.80x347 7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovers card is issued by Discover Bank Member FDIC. 23 SDSN6A02 0025612 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 rune .(c, sw.a Please mate check payable `o 7,' stover Platinum Card. You are overlimit. Pcy the sum of the monthly minimum payment plus+he overlimit amount of $912.65. Go paperless and make your ac.ount information more secure with password- protected statements only you can access. Learn more at discover.comlpa perless. 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 IIIsnllnrrrl,Ir?IL?l?lrl CHARLOTTE NC 28272-1084 Inlrllul??i????niln?r?ni???lnilnlulsr?ln?ulnltlu?? 000001986616254696102059125500130000013200 Discover Platinum Card Account Summary Closing Date: May 23, 2004 page 1 of 2 Account number ending in 2472 Previous Balance $5,837.34 Payment Due Date June 22, 2004 Payments And Credits 130.00 ;Minimum Payment Due $132.00 Purchases + 84.83 ,Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finmxe Charges + 120.38 ;Cash Credit Available $0.00 New Balance - $5,912.55 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 11,12 CoshbackBonus&Anniversa ------------------------------------------------------------------------------- Month: August How Can We Help You? 1. Visit Discoverconr to pay your bill! for no cost, view your latest Account information, earn and redeem rewards and more ft's your choice - 3 ways to help 2. Call i-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 jasaistance for hearing impaired) see reverse side Salt Lake City, UT 84130 ;Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post bate Data ;Payments and Credits May 16 May 16 PAYMENT - THANK YOU $ .130.00 ;Other/Miscelaneous May 23 May 23 DISCOVER ACCOUNTGUARD 1-877-883.1959 49.83 May 23 May 23 OVERLIMIT FEE 35.00 information For You Please note, the Traditional Cashbock Bonus award is now called the Purchase Cashback Bonus award. Did you know that millions of credit cards are lost or stolen every year? The Register(R) safeguards all your credit, debit and ATM cards for less than 5 cents a day. Call 1-800.347-3395 for more details. i finance Charge Summary Nominal Transaction Average Daily ANNUAL. ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE F aalace_s Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3789.34 0.06847% 24.99% F 24.99% $77.83 $0 Cash Advances $2071.57 0.06847% 24.99% F 2499% $42.55 $0 The rates that cooly to vour Account are either fixed IFl or thev may vary Nl as noted above. Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your Cardmember Agreement. Your CardmemberAgreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1.800.347.2683. Billing Rights Summary. in Case of Errors or Questions About Your Bill: If you think your bin is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84136-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, bud doing so will not preserve your fights. In your letter, give us the following infonneQon: Your name and Account number. The dollar amount of the suspected error. • Describe the error and explain. W you can, why you believe there is an error. If you need more information, describe the item you are unsure about You do not have to pay any amount in question while we are investigating, but you are still obligated.to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the Willy of goods or services that you purchases with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the good or services. You haw the protection only when the purchase price was more than $50 and the purchase was made in your home state or wiQur 100 miles of your mailing address. (t we own of operate the merchant, or if we malted you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do riot send cash By sending your check as described above, you authorize us to use information on your check to make an electrorhk fund transfer from your account at the finandal nettuAlon ndicared on yor dock or to process the payment as a check transaction. If payment Is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use Wamatenn from your check to make an electronie kid transfer, funds may be wilthdrawn from you account as soon as the same day we receive your paKrent, and you will not receive your check beck from your friancal Institution.. The processing of your payment may be delayed if you send cash, corresporderme or other inns with you payment, d you send the paw to any other address or t you use an envelope other than the one provided. Payments received in proper lorm at our processing Will by 5PM local lime on any day will be credited to your Account as of that day. Payments received ?t our processing ;a jly after 5PM local time will be credited toyour Accam as of 1ha next day. ifyar have ma -your - , sendy_ . _ rrrednt to Discover, --PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-i9 kfays foi delivery 111 your payrnarit is ieiumed tuhpaid, w e reserve -'- --- - - rght to res as an elepranc debk(. You can pay your mirimum payment or a greater amount of the telephone, and you can set up automatic payments. CA us at 1 AD-347-2683. You will need thls statement and your bank account iNomation. You must ensure that sufficient funds are available in your bank account, and all lransactiars must ow* with U.S. law. You will be asked to provide the fast 5 digits of your account statement ZIP code. By entering those numbers as yoir electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each: payment you a rthohize from you bank account, and to initiate debit or credit entries to your bank accokrit, as applicable to correct an error in the prooessng of %6 payment You must tell us the amourml of each payment, or you can soled an amount such as the Minimum Payment Due or the New Balance on each statement You can canal a payment, however we must receive ratCe at West twee business days in advance of the scheduled payment You may nhotily us by phone at 1.800-347-2683 or by mail at to address listed in the previous paragraph. If your payments may vary in amount, we B tell you on each monthly statement when your payment will be made and how much h wit be. lbhrAutomatic payment amount may be less than ndicod on tithe monthly statement based on credits or payments applied kkrtirg the baling cycle. Credit Reporting. We may report information about your account to credit bureaus. fate payments, missed payments, or dither defatdts on yon amount may be reflected in your credit : repot. We normally repot the status and payment hiWy of your Acco rut to credit reporting agencies each month. If you !relieve that our repot b Inaccurate or incomplete, please write us at the following address Discover, PO Box 15316. Minh m. DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic France Charges on purchases, cash akkrances, and balance transfers begirnng with the date the transaction oeours until the date of repayment and on Oki Balances until the date of repayment Old Balances are comprised of ether purchases and cash advances made on or prior 10 the last day of your billing period ending during Fehuary 1993 or Reserve tine balances. You can avoid payment of Periodic Finance Charges on new purchases ifyou pay the New Balance sham on the billing statement on which the !wrchase first appears by the Payment Due Date, and the Payments aid Credos on the statement equal or exceed your Previous Balance. We call this the "grace period'. You do not have a grace period on balance transfers or cash advances. Periodic France Charges are imposed on new balance transfers and rash advarces begnnktg with the date the transactor ocos. Periodic Fstance Charges are imposed on all transactions and Oil Balances urdt the date of repayment. Repayment mearis payment of yoir erdre New Balance. However, if you pay the New Balance shown on this felling statement by the Payment We Date, and the Parrots and Credits shown on this statement equal or exceed fine Previous Balance, we will not Impose Periodic France Charges on new purchases, that is, purchases fist appearing an this statement. If yorrAccamt was dosed as of September 27,1999, you can avoid payment of Periodic Finance Cher" t you pay the New Balance shown on this Statement by the Payment Dire Dale and the Payments and Credits on ft statement equal or exceed your Previous Balance. Otherwise. you will receive a Wtirg statement next math that Includes Periodic Finance Charges imposed until the date of repayment. We compute Periodic Fiance Charges each day for purchases, cash advances, balance transfers and Oki Balances (which we refer to as transaction categories) by using the folfov+ ig -xXiaL A:erageDa ty Balank exnurnber?f d ys i? sir :r; • 4; c; art x b1y?dDc cRaa_lRder to the is ioe chargumsaarim thelmet of your statement liodbese?JITUnt Then we wid all the Periodic France Charges foreach tramaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the balance in a transaction category. We use die Average Daily Balance (including new transactions) method of ralcutating the balarim upon which we impose Periodic Finance Charges. We oompLm the average daily balance for each transaction category by adding up all the daily balances In a billing period for a transaction category and dividing the total by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by first adding the following to the previous days daily balance transactions made that day, fees doged that day, and Periodic Finanoe Charges accrued on the previous day's daily balance; and by then subtracting any weclts and payments that are applied against the balance of the transaction category on that day. Old Balances are excluded from the babe of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the defy balance transfer transaction category. Balance transfers that were subject to an initial special rate that has been terminated due to a late payment are also Included in the category until the initial special rate otherwise would have expired. In calculating the daily balance of the balance transfer transaction category on tie lust day of the billing period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add till unpaid balance to the balance of the purchase trainsacton category. At fees charged to ymAcoount are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to tie balance transfer transaction category. 9a transaction made in a previous biting period is itemized on this statement, we consider the transaction date to be the first day of the current billing period when we calculate your Periodic France Charges. For MD (Telecommunications Device for the DeaQ assistance, call 14800347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assura nce purposes. 7hp rN-;rnvar4 rani is icghhpd by Dkmvnr Rank Wmhnr MIC Jury Zz, zuua 23 SDSN6A02 0025613 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. Please make check payable to Discover P19tinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amounl of $941.71. Go paperless and make your account information more secure with password. protected statements only you can access. Learn more at discover.cornlpaperless. PO BOX 71084 {(1ur1{surr1rlu11u1r1r1 CHARLOTTE NC 28272-1084 ill,l?aa?,u{,??nrlu(,?niE???ui?ial?s?n??uln(u?r?n?( 00000198661825469610205941?100132000013300 Discover Platinum Card Account Summary Closing Date: June 23, 2004 page 1 of 1 Account number ending in 2472 Previous Balance $5,912.55 Payment Due Date July 22, 2004 Payments And Credits 132.00 Minimum Payment Due $133.00 Purchases + 35.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 126.16 Cash Credit Available $0.00 New Balance $5,9.11.71 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 11.12 -;Cashbuck'8onos®-Anniver ------------- ------------------------------------------------------------------- Month: August ;Keep usingg your Discover(R) Card and watch ;your Cashback Bonus(R) award growl !Remember, once your 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? p 1. Visit Discover cam to pay yew 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 1-8006DISCOVER (347-2683) for fast, easy self -service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 ;Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Pest Date Deft Payments and Credits Jun 17 Jun 17 PAYMENT -THANK YOU $ -132.00 0#w1Mite4arw*vj. - aon 23--3cri 23--OVERLIMrrFEE-- - --------------------- ---36.00------ ;Information For You ;Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. ;Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Rates RATES RATES CHARGES ;current billing period: 31 days Purchases $3828.53 0.06847% 24.99%, F 2.4.99% $81.26 $0 Cash Advances $2115.28 0.06847% 24.99% F 24.99% $44.90 $0 'The rates that cooly to vour Account are either fixed {Fl or they may vary N1 as noted above. Important Information If there is more than one page to this baling statement, we the bade of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Cali 1.80-347.2681 Billing Rights Stunmary. In Case of Errors or Questions About Your Bilk If you think your till is wrong, or U you need more information about a transaction on your h>R, wrtie us on a separate sheet of paper at Discover, PQ Box 30421, Sall Lake City, UT 84130.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bit oil which the error or problem appeared. You can telephone us, but doing so will not preserve your riots. In your letter, give us the fobMnng irdomwtion: Your name and Account number. The doter amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are Investigating, but you are sink obligated to pay the parts of your bit that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amotrht you question. Speclal Rule for Credit Card Purchases: If your have a problem with the quality of goods or services that you purchases with a credit card, and you have bled in good f81th to correct the problem with the merchant, you may not have to pay the remaining amount due on the good or services. You have the protection only when the pudnase price was more than $W and the purhase was made in your home state or within 100 miles of your mailing address. (t we own or operate the merchant, or twe mailed you the advertisement for the goods or services, at purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of fhis statement in the envelope provided. Do not sand cash. By sending your check as described above, you authorize us to use information on your check to make an electronic find transfer from your account at the firtencal institution indicated on your check or to process the payment as a check trehsactiori. If payment is processed as an electronic fund transfer, the trarm* will be for ft amount of tie dsdc. When we use information from your check to crake an electronic kind transfer, funds may be withdrawn from you account as wort as the same day we receive your payment, and you wit not receive your check back from your financial institution. The processing of your payment may be delayed t you send cash, oorrespahdenc a or other items with yarn payment, if you send the payment to any other address or 0 you use an envelope other than the one provided. Payments received in proper tam at our processing tacky by 5PM local time on any day will be cradled lo your Account as of that day. Payments n>oafved at our toolityr after 5PM bra tinhe will he credited to your Account as of the next da)r. If you have _.?p?acw.ki your envelope, send your payment to Discover, PO Box - ti 103, ?aiofStieam; iC 18?•8it13: Pleaise aikr:•r'7=i6 days fa deii+ieiy: t youi paymeritis reti?neduirnped.-we ?aserva gta iigl8 io rbsubrind it ? an ele?onk d"e6iC _ .. _ . _ . _ .... _ You can pay your minimum payment or a greater amount of the telephone, and you can set Up automatic payments. Caul us at 1.800.347-2883. You will creed this statement and your bards account information. You must ensure that sulftdent funds are available in your bank account, and at transactions must comply With U.S. law. You will be asked to provide the first 5 digits of your account statement ZIP code. By e" those numbers as your electronic signature, you wilt be agreeing to this augadzatom to allow us and your bar* to deduct each. payment you authodn from you bank account, and to Ytrliate debt or credit entries to your bank account, as applicable to correct an error in the processing of such payment You must' tell us the amout of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at leas) three biMk w days in advance of the scheduled paymert. You may notify us by phone at 1.80D-341.26ti3 or by mat at the address listed in the previous paragraph. If your payments may vary In amount, we B tell you an each monthly statement when your payment will be made and taw much it wort be. Your Automatic payment amount ; may be less than indicated on the monthly statement based on credits or payments applied dunng the bitting cycle. Credit Reporting. We may repot iMamatan about your accent to credi bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your creffl! spat. We normally report the status and payment ' of your Account to credit reporting agencies each month. If you believe that our report Is baccumte or Incomplete, please write us at the following address: Di eDvx, PO Box 1531, DE 198505316. Please Include your name, address, (tome telephone umber andAocorart number. Periodic Finance Charges. Except as provided belom we will impose Periodic Finance Charges on purchases, cash advances, and balance banters begkrdrg with the date the transaction occurs until the date of repayment and on Old balances until the date of repayment. Out Balances are comprised of either purchases and cash advances made on or pior to the last day of your billing period ending dung February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new puchases t you pay the New Balance sham on the biting statement on which the ptahase lest appears by the Paymamt Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We call orris the 'grace period'. You do not (rave a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances begvttirig with the date the transaction occurs. Periodic Fknance Charges are imposed on at densactons and Old Balances until the date of repayment Repayment means payment of yourentke New Balance. However, if you pay the New Balance shown an this boring stetement by ifte Payment Due Date, and the Payments and Credfas shown on this statement equal or exceed the Previous Balance, we will not impose Periodic France Charges on new purchases, fhat is. purchases first rearing on this statement. If your Account was dosed as of September 27,1999, you can avoid payment of periodic Finance Charges tyou pay the New Balance stave on this Statement by the Payment Due Date and the Payee is and Cretlds on this statement "At or exceed your Previous Balance. Olt wise, you wit receive a btlrg steternerht next month that includes Periodic Finance Charges imposed until the date of repayment. We compute Periodic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the following eq us lie u:Avemge_Daily. Bal we x_rwinbetof diti 2a &WiD9 psdod x Daily Periods Rate (Rpfe!.W.OV.6 radP0.auIrM".oln the front of your aW, W. fb_r kv gma-4 nlsJ_ Then we add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account The Average Daly Balance is shown as 0 d no Periods France Charges apply to the balance in a iansachon category. Muse the average Daly Balance (hdudrg new transactions) meted of caimbling the balance upon which we impose Periodic Finance Charges. We compute the average daily balance for each transaction category by adding up at the duty balances in a billing period for a transaction category and dividing the WW by the number of days in the bmkhg cycle. We ansalai dayl corniouile the and Periodic dFlinancbalance for each transaction category an each e Charges accrued on the previous day daft' b alancfirst e; and by then subtractir g athe ny mats and day's aymete ? ?I?tio> mad@ that day, fees charged applied against t the balance of the he transaction category on that day. Old Balances are excluded from the balance of the purchase and rash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were subject to an initial special race that has been kxnninated due to a late payment are also inducted In the category until the Initial specie rate otherwise would have expired. In calculating the daily balance of the balance transfer transaction category on the first day of the billing period, we subtrad the unpaid below of those Balance Transfer Transaction Fee Finarm Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. AD fees dw* to your Account are added to the purchase transadion category With the exception of Cash Advance Transaction Fee Finance Charges which are added to the cash ' advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category t a trersadion made in a previous; biting period is itemized on this statement, we consider the transaction date to be the first day of the current biting period when we c*date your Periodic Finance Charges. For TDO (Tefecommunicatorrs Device for the Deaf) assistance, call 7-800.347-7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assummoe purposes. Thor Dicmvah6 card is krh wd by Disrmw Rank. Manner Ff)lr:. 23 SDSN6A02 0025614 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 August 2:1, xuua Address, email 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. Please make check payable to Discover Platinum Card. You are overhmit. Pay the sum of the monthly minimum payment plus the overlimit amount of $966.60. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.cornlpaperiess. Pia BOX 71084 111nr11r,r,rl11rt11rr11111 C14ARLOTTE NC 28272-1084 1111111111 11111111111111111 till 11111111111111 00000198661825469610205966600013:3000013300 Discover Platinum Card Account Summary Closing Dade: July 23, 2004 page 1 of 1 Account number ending in 2472 Previous Balance $5,941.71 Payment Due Date August 22, 2004 Payments And Credits 133.00 ,Minimum Payment Due $133.00 Purchases + 35.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 ,Cash Credit Limit $2,500.00 Finance Charges + 122.89 Cash Credit Available $0.00 New Balance $5,966.60 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance 11.12 -CashbackBonus®•AnnKwsa -------------------------------------------------------------------- Month: August Keep usi your Discover(R) Card and watch R d l h grow Bonus( ) awar your Cas Remember, once your Cashbook Bonus 0 d eem your , you can re ;award is at least $2 h b l e ogging into t y award by calling us or Account Center at Discovercard.com. Help You? How Can We He 1. Visit Uiscover.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 3011-service ;Please have Discover Card available. your 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 Date . Date Payments and Credits Jul 20 A20 PAYMENT -THANK YOU $ -133.00 ;otkerJMtstelfaneaos-_____ Jol-2? - - Ju1-23 - - OVERLIMI1:fEE-_.__._._ _- - . -.---.- ------ -------_---•. -_----35:00- - - - -- -- Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daly Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Baynes Rates RATES RAPES CW4f M CHARGES current billing period, 30 days ,,Purchases $3823.42 0.06847% 24.99% F 24.99% $78.52 $0 'Cash Advances $2159.90 0.068471/a 24.99% F 24.99% $44.37 $0 T6- -0.. d,.d . nnly to vnnr Anrnimt nrn nithar fixed (F1 or thev may varv NI as rioted above. Important Information. Howe is more than are page to this bBmg statement see ttra back of each page for additional important information. See your CardmemberAgreement Your CardmemberAgreemerd contains at the terms of yhwr AcoamL Lost or stolen cards. Report imrr y! Cal 1.800 W-2983, Biding Rights Surunary. In Case of Ernes or Questions About Your Bid: t you U* your bill Is wrong, or l you need more information about a transaction on your bil, mite us on a separate sheet of paper at Discover, PO Bork 30421, Soft Labe qty, UT 84130.0421, as soon as possible. WB must hear from you no later Nhan 60 days aft we sent you the brat bill on which the error or problem appeared. You can telephone us, butdoig so will not preserve your rights. In your later, give us the following Wo mation: • Your name and Account number. • The dolor amount of the, suspected error. • Describe the error and explain, N you can, why you believe there is an enor. #you need more iMomalon, describe the hem you are unsure about You do not have to pay any emoumt in question whale we are investigating, but you are still WOW to pay the parts of you bill that are not in question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: l you have a problem with the quality of goods or servi es that you purchases with a credit card, and you have tried in good faith to correct the problem vain the merchant, you may not have to pay the remaining amount due on the good or services. You have the protection only when the purdiase price was more than $50 and the purchase was made in your home state or wit9n 100 miss of your moiling address. (ff we own or operate to mrerdhant, or l we mailed you the advertisement for the goods or. services. all pure ases are covered regavdiess of the amount or location of purchase.) Payments. Send only your payment and the top pooch of title stakment In the envelope provided. Do not send cash. By sending your deck as described above, you au8rorize a to use information on your check to make an electronic fund transfer from your account at She GvxW instifMah indicated on your deck or to process the payment as a check transaction. I payment Is processed as an electronic find transfer, to tansfervd be for the avant of la check. Men we use InIbmalon Imin your check to make an electronic fund transfer; Gads may be withdrawn from you account as soon as the some day we receive your psyment, and yw wig not nee" your deck back tom your limndal instludion. The processing of your payment may be delayed N you send cash, oomespordence orother ferns YA your payment, N you sorted the payment to any other address or l you use an envelope other than the am provided. Payments received in proper form at our processing Scilky by 9% local time on any day will be credited to you Account as of tat day. Payments received at ou kdg after 5PM local Orne will be cradled to yarAcoout as of the rend day. If you h re misplaced your envelope, send ;,your prjment to Discover, PO Bois tiff, Carol?treami.it Wig7$1 .Neaae a?iiw 7?iD days f& Ge6very.Nycur payriherhE& i?imiad unpaW we reserve the ri9ldfo resutim?'A a-s an tdectdoruc ----------- You , can pay your minimum payment or a gkeater amount of the Weptone, and you can act up automatic payments. Cal us at 1-W347-2683, You w3 need this statement and yar bank account information. You must anaure that suifident funds are available in your bank account, and all trarnsactim must comply with U.S. paw. You will be asked to provide the first 5 Nits of your account statement YIP code. By entering those numbers as your electronic sigcattre, you wig be agreeig to this outhorkdon to cow us and your bank to deduct each payment you audonze from you border account, and to inflate debit or credit entries to your drank accamt, as applicable to correct an error h the Ixocessirg of such payment You must tell us the amount of each payment or you can select an anatat such as the Minimum Payment Due or the New Balance on each statement You can canal a payment however we must receive notice at least tree busirm days in advance of the scheduled payment You may nosy us by phone et I-&"7-2683 orby moat at the address fisted in 0 e previous : paregiaph, lyour payments may very in smout, well tell you on each mont lyslatement when your payment will be made and how much it will be. YourAtO alic payment amountmay be less than indicated on the monthly statement based on credits or payments app bd dung to lolling cycle. Credit Repordrig. We may report information about your account to as& bureaus, late payments, missed prayments, or other defaddts on your account may be reliecled in your credit report. We rhormaly report the status and payment history of yourAccout to credit reporting agencies each month. Iyou believe that our report is Inaccurate or Incomplete, please write us at the following address: Disoover, PO Box 15316, W DE 19850-5316. Please Include your name, address, home telephone number and Account ranter. Periodic Finance Chmges. Except as provided below, we will Impose Paioric Finance Charges an puchases, cash advances, and balance transfers beginning with the date the transaction oootn until the dale of repayment and on ad Batarwes until the date of repayniont old Balances are comprised of either purchases and dash advances made on or prior to the last days of your bung period ending during Febmacy 1999 or Reserve We bdances. You can avoid payment of Periodic Finance Charges on new purchases hyou pay the New Balance shown on the Wig statement on whWh Ne purchase first appears by the Payrnetlt Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We cal this #*'grace period'. You do not have a grace period on balance transfers of ash advances. Polodic Finance Charges are imposed on new balance trare6ers and cash advances begiahiug with the date the transaction occurs. Periodic Finance Charges are imposed on al ttansadoru and Oil Balances until the date of repayment. Repayment means payment of your afire New Balance. However. ityou pay: the New Baler= shorn on this billing stalarent by the Payment Due Date, and the Payments and Credits shown on trio statement equal or exceed the Pmvborh6 Balance, we will not impose Periodic Fiance Changes an new purchases, that is, purchases first appearing on this statement If yo rAOCamt was dosed as o(&epiember 27,1999, your can avoid payment of Periodic Finance Charges l you pay the New Boteroe shown on this Statement by the Payment Due Date and the Payments and credits on W statement equal or exceed your . Previous Balance. Otherwise, you will receive a burg statement next month OW Includes Periodic Finance gauges Imposed until the data of repaydnerl. We compute Periodic France Charges each day for purchases, cash advances, balance aanslars and Old Balmm (wfuich we reter to as transaction categories) by wft the following equatkn; Aveage Dalybiaftce atnc days to the taBn9 ptriadx Elaplg!?elc Sate (Rouen tatbtfioatdce_cp sdtmmamY atttrelrant of ynw statementt for]lete-amamts.) Then we add all the Periodic Fiance Charges breach transaction delegory to get the total Periodic Fiance Charges for your Account. The Average Daly Balance is shown as 0 i no; Periodic Finance Charges ap* to the belamoe in a transaction category. V% use the Average Daily Balance (irdudng new transactions) method of calculating the balance upon which we "mom Parodic France Charges. We compute the average daily balance for each transaction cegonyr by adding up all the daily balances to a billing period for a bmacion category amid d[vWkV the total by the number of days in the bluing cycle. We compute to daily balance fir each tansacton category on each day by fast ad ft the fallowing to the previous day's daly batarm transactions made that day, tees charged that day, aand Periodic fiance Charges accrued on the previous days dally balance; and by thorn subhadhg any credits and payments that are applied against the balance of the transaction category on Nat day. Old Balances are excluded hom the balance of the purchase and dash advmw transaction categories. Special We balance hnsfers and Balance Transfer Transaction Fee Finance Charges are included in the daffy balance transfer transaction category . Balance transfers that wens subject to an initial special rate that has been WmInAW due to a pate payment are also mckided In the category until the initial spacial rate otherwise would have expired. In caiarlelig the daily balance of the balathce transfer transaction category on the first day of ft hiding period, we subtract the unpaid balance of lose Balance Transfer Transaction Fee Finance Charges and balance transfers that became purchase rate balance transfers on that day and we add that unpaid balance to the balance of the pudmse transaction category. A[ fees charged to yourAtxxam ere added to the phudhase transaction category with the exoeptiorh of (ash Advance Ttauhsactiort Fes Finance Ctued?ges whiich are added to the cash advance lrarhsewtiorh category and Balance Trerhster Trerhsadiorn Fee Fiance Charges which ore added ro the Dalanoa transfer bransactiorh category. l a irarhsao5orh made in a previous lolling period is itemized on the statementt, we consider lne frernsaction date to be the fast day of the carrent burg perlod vudherh we calculate you Periadac Finance Charges. For TDD (Telecommumieallons Device for the Deaf) assistance, dal 1480.147.7449. Discover may monitor amft record telephone call between you and Discover representatives for qualty awrance purposes. ih,o rhi ,* rani ie k-m by Aker Ranh, ua„ hw rn1ir,. aeptember 1z, LUU4 Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $995.90. 23 SDSN6A02 0025615 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 Address, e-mail or telephone change? Print chonge 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 discovercomfpaperiess. PO BOX 71084 CHARLOTTE NC 28272-1084 0000019866162546961D2059959000133000013400 Discover Platinum Card Account Summary Closing Date: August 23, 2004 page 1 of 2 Account number ending in 2472 Previous Balance $5,966.60 Payment Due Date September 22, 2004 Payments And Credits 133.00 Minimum Payment Due $134.00 Purchases + 35.00 ,Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 127.30 Cash Credit Available $0.00 New Balance = $5,995.90 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonvse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 11.12 ------------------------------ - ----- - CoshbackBonuAD-AnniversarY -- -------------------------------- Month: August ;How Can We Help You? ' visit Discover.corn to pay your bil for no cost, view your latest Account information, earn and redeem rewards and more itrs your choice - 3 wcr/s 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 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 17 Aug 17 PAYMENT -THANK YOU -133.00 ;Odrer/Miscellaneous Aug 23 Aug 23 OVERLIMIT FEE 35.00 'Information For You dock Your CD Rate Todayl Move fast to lock your Certificate of Deposit interest rate with Discover Bank's fast, free and secure CD Electronic Deposit! It's the easy, safe way to fund a new CD or add funds to a maturing Discover CD directly fromy-our bank account. _Visitwww.discovWbank.com.__l4@ntjon SC3Ca04PG_0_n_V0v_opea your.CD.- Member.FD1C.. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Q ldrices Rates RATES RATES CHARM ES current billing period: 31 days Purchases $3792.72 0.06847% 24.99% F 24.99% $80.49 $0 Cash Advances $2205.47 0.06847% 24.99% F 24.99% $46.81 $0 The rates that anoly to vour Account are either Fixed IFl or thev may vary M as noted above_ Important Information. It there is more than one" to this billing statement, see the back of each page for additional important information. Q Seeyour CmdmemberAgreement. Your CardmemberAgreement contains all the terms of yourAccount. z Lost or stolen cards. Report immediately! Ca91-NO-347.2683. o Rift Rights Summary. In Case of Errors or Questiorms About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheal of paper at Discover, PO Bum 30421, Salt Lake City, UT 84130-0421, as soon as possible. WB must hear from you no later titan 60 days atterwe sent you the first bill on which the err or problem appeared. You can telephone us, biA doing so will not preserve your rights. In your letter, give us the following information: • Your name and Aocomt number • The dollar amount of the suspected error. • Describe the error and explalm B you can, why you believe there is an error. If you need rrare information, describe the item you are unsure about. You do not have to pay any amount in question ethile we are investigating, but you are $01 obligated to pay the parts of your big that are not in question. White we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: 9 you have a problem with the quality of goofs or services that you purchases oath a credit card, and you have tried in gcod faith to correct the problem with the merchant, you may not have to pay the remaining amount tithe on the good or senirces. You have the protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or cif we mailed you the advertisement for the goods or senims, all purchases are covered regardless of the amount or location of purchase.) Paymets. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your chair as described above, you authorize us to use infora9on on your c held lo matte an eleectronic fund transfer from your accent at time financial instilu9on indicated on your dhedd or b process the payment as a check Wnsecfani. If payment is processed as an electronic kid transfer, Ire transfer will be for the amount of the d *&. When we use information from you dtedc to matte an elecbnic fund transfer, funds may be withdrawn from you account as soon as the same clay we receive your payment, and you will not receive your Check back hm your financial Institution. The processing of your payment may be delayed I you send dash, correspondence or otter items with your payment, if you send the payment to any otter address or 'd you use an envelope other then the one provided. Payments received in proper form at our processing facdflby by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing tack aller 515M )Drat time will be credited toycwr Account as of the next day. If you have rips your envelope, sendyourpayment to Discover, PO Box tilb3,faroT$Vam:IL 197810 :Piu3aseadoNr7=itFdiaysfoideTiJeiydyodupayment retumedw wereserva iightto'resufiroiTiasaneiec cWcde6N-' You can pay you minimum payment or a greater amount of the telephone, and you can set up automafx payments. Call us at 1-800.347-2663. You will need this statement and your bards account information. You must ensure that PAI dent kinds are available in your bank aeopant, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorkationn to allow us and your bards to deduct each payment you authorize from you banic account, and to initiate debt or credit entries to your bank account, as applicable to correct an error in the processing of wch payment You must; tell us the amount of each payment, or you can select an amount such as the M'in'imum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive mike at least three bdntrress days in advance of the scheduled payment You may retry us by phone at 1-600347-2663 or by rod at the address listed In the previous paragraph. If your payments may very in amount we ill tell you on each monthly statement when your payment will be made and haw much d will be. Your Automatic payment amount ray be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or older delulls on yam account may be reflected It your credit repot. We rammly report the status and payment history of your Assort to credit repWM agencies each month. If you believe that our repot is inaccurate or Incomplete, please write us at the fdbwing address: Discover, PO Box 15316. Whinglon, DE 198511.5316. Please include your name, address, hone telephone moriber and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances, and balance transfers betpnvdrg with the date the transaction cocas and the dab of repayment and on Old Balances un81 the date of repayment. Oct Balances ate comprised of ether purchases and cash advances made on or VW to the test day of your bp6tg period ending during February 1993 or Reserve Line balances. You can avoid payment of Periods Finance Charges on new purchases if you pay the New Balarhoe shown on the lu'll'ing statement on which the purchase first appears by the Payment Due Date, and the Payments aid Credits on the statement equal or exceed your Previous Balance. We call this the 'grace period. You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are Imposed on new balance transfers and cash advances begirrdng with fie data The transaction occurs. Periodic Finance Charges are Imposed on all transactions and Old Balances until the date of repayment Repayment means payment of your entire New Balance. However, 9 you pay . the New Balance shown on this biNltg statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Bence, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appea ft on this statement If yourAc=W was closed as of September 27,1999, you can avoid payment of Periodic Finance Charges if you pay the New Balance eho" on this Statement by the Payment Due Date aril the Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise. you will receive a billing statement next month that ncluudes Periodic Finance Charges imposed until the data of repayment 1Ye compute Pencift Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the following c,;"!i LAzewW.Dakyflelance.xnumber-ofdaysk&b&g;xriodxDailyPeriMrf{ate.(Rafertolhe8nancecbargewromaryonihe.irnntDfyottdstatemscat?r-Ihesa.aminrznls.; --- Then we add all 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 0 it no Periodic Finance Charges apply to the balance in a transaction category. We use the average Daly Balance (ncAufing 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 Wing period for a transaction category and dividing the total by the number of days in the tidflrtg cycle. We compute the daily balance for each transaction category on each day by first adding the hollowing to the previous days daily balance. bansadions made that day, fees changed that day, and Periodic Fnantce Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction calegoryan that day. Old Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were subject to an initial special rate that has been tenninated due to a late payment are also included in the category until the initial special rate otherwise would have expired. In calculating the daily balance of the balance transfer transaction category on the fist day d the billing period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to The balance of the purchase transaction category. All lees charged to your Account are added to the purchase transaction category with the exception of Cash Advance TransacUo Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. N a transaction made in a previous Idling period is itemized on this statement, we consider the transaction date to be the fist day of the current billing period when we calculate your Periodic Finance Charges. For TDD (Telecornmunirations Device for the Deaf) assistance, call i-000.347.7449. Discover may monitor andW record telephone calls between you and Discover representatives for quality assurance purposes. Tho. Nvivo.0 card is rc?juvl by I)iernvor Rank Marnhpr Frlr:. 23 SDSN6A02 0025616 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. c icto"r 1.l, ;=4 Pease make check payable to Discover Platinum Card. You aro overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $1,0247 . Go paperless and make your ao.,ount information more secure Oth password- protected statements only you can access. Learn more at disc:over.comlpaperiess. PO BOX 71084 111 181111111111111 111111111111 CHARLOTTE NC 28272-1084 l inieiiuittiieiiueieeleleeelilI eee)n1uite11te)ee1ul1e1nl1 000001986618254696102060247500134000013400 Discover Platinum Card Account Summary Closing Date: September 23, 2004 page 1 of 1 Account number ending in 2472 Previous Balance $5,995.90 Poyment Due Date October 22, 2004 Payments And Credits - 134.00 Minimum Payment Due $134.00 Purchases + 35.00 :Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 127.85 :Cash Credit Available $0.00 New Balance = $6,024.75 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period +- 0.00 Cashback Bonus Bala=nce $ 11.12 -;C-ashback-Bonas®-Anniver --------- ----------------------------------------- ------------------------ ;Month: August Keep using your Discover(R) Card and watch ;your Cash back Bonus(R) award growl ;Remember, once. your Cashback Bonus award is at least $20, you can redeem your d b ll b l :awar y ca ing us or y agging into the ;Account Center of Discovercard.com. How Can We Help You? 1. Visit Dl6cover com to pay your 64 fior no cost, view your p latest Account information, earn and redeem rewardnd more Itrs your choice - 3 ways to help 2. Call 1-800 DISCOVER (347-2683) for fast, easy salt-service options or to speak with a Cudomer 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 Dam 13016 Payments and Credits Sep 16 Sep 16 PAYMENT -THANK YOU $ -134.00 ?Othei?/Mi? ellsfi+oaf------Sep23--Sep23--CWRUMIT-FEE.. ------------------------------------- 35.00------- ;Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FMANCE FINANCE Balance s Rates RATES RATES CHA 5 CHARGES !current billing period: 31 days Purchases $3770.45 0.06847% 24.99% F 24.99% $60.03 $0 Cash Advances $2252.76 0.068471% 24.99% F 24.99% $47.82 $0 Tho rnfm t fhni nnnly to vrn it Ar ono in* nrA 00hAr FixAd IR nr fkAv mnv vnrv NS ne ne4prl nknvm Important Information. If there is more than one page to this billing statement, we the back of each page for additional important information. do 0 See your Cardmember Agreement. Your CardmemberAgmemeni contains all the terms of your Account. z i Lost or stolen cards. Report immediately! Call 1-800-347-2663. ? rn A N Billing Rights Summary. In Case of Errors or Ouestioru About Your Bill: if you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a UT 8413-0421, as soon as passible. We must hear from you no later than 60 days after we sent you the frcst bill on Salt Lake City PO Box 30421 separate sheet of paper at Oisoover e N , , , which the error or problem appeared. You can telephone us, bed doing so will not preserve your rights. In your letter, give us the blowing infomretiom Your name and Account number. m The dollar amount of the suspected error, O • Describe the error and explain, 8 you can, why you believe there is an error. If you need more information, describe the item you are unsure about 0 You do not have to pay any amount in question while we are Investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your i question, we cannot report you as delinquerht or take any action to collect the amount you question. SpecW Rule for Credit Card Purchases: It you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the good or services. You have the protection only when the purchase price was more than $50 ' and the purchase was made in your tame state or within 100 nrles of your mailing address. (If we own or operate the merchant, or 9 we mailed you the advertisement for the goods of services, all purchases are covered regardless of the amount or location of purdme,) Payments. Send only your payment and the by portion of Drs statement in the envelope provided. Do not send cash. By sending year check as described above, you authorize ce to use Wonna6on on year check te make an electronic had transfer from your account at the financial institution Indicated on your deck or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the Irmfer will be for the amount of the check. When we use inforrnalOn from your check to make an electronic bid transfer, funds may be withdrawn from you amount as soon as the same day we receive your payment, and you will rot receive your check balk from your financial Institution. The processing of your payment may be delayed I you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing faaky by 5PM bpi time on any day wit be credited to your Account as of that day. Payments yo_ sendyourpaXroent to Discover, PO Box! rrreived at our proc?sarg f?uality otter 5PM local time vil be credited toyour Aawyml as of the next day. ifyou have n65pkkoe _ -------------- -extd -- - ----------- .. ------------ 6103, Card Stream, IL 60197.6103. Please alkhw 7-10 days for dejidiery. II your payrnerii is relumed tahpad, vie ieserire the right to r i as an efeiironwcdebit. You can pay your minimum payment or a greater amount of the telephone, and you can set up automatic payments. Call us at lAO347-2683. You oil need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement ZIP code. By entering terse numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from you bark amount, and to initiate debit or credit entries to your bank amount, as applicable to correct an error In the processing of such payment You must te0 us the amount of each payment, or you can select an amount such as the twrMmhrtt Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at least tree business days in advance of the scheduled payment You may notify us by phone at t-804347-2683 or by mall at the address listed in the previous paragraph. t your payments may vary in a At, we ill tell you on each monthly statement when your payment will be made and how much it will be. YourAulornatc payment amount maybe less than indicated on the monthly statement based on credits or payments applied during the big cycle. Credit Reporting. We may report inforrnaton about your somAt to credit bureaus. Late payments, missed payrnerits, or other defaults on your amorrn may be releded in your credit'; report. We normally report the status and payment history of your Amount to credit reporting agencies each month . if you believe that our report is Inaccurate or incomnplete, please write us at the following address: Discover, PO Box 15316, Wilmingbn, DE I9850rv316. Please include your name. address, throne telephone number and Account number. Periodic Fin eirm Charges. Except as provided below, we will impose Pedodc Finance Charges on phrc ases, cash advances, and balance transfers beginning with the date the transaction ooars until the dale of repayment and on Old Balances un61 the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay to Now Balance shown on the billing statement on which the purchase first appears by the Payment Due Data, and the Payments and Credits on the statement equal or exceed your Previous Balance. We cell this the'grace period". You do not have a grace period on balance transfers or cash advances. Perlodle Finance Charges are imposed on new balance transfers and cash advances beginning with the date the transaction occur. Periodic France Charges are Imposed on all transactions and Old Balances until the date of repayment. Repayment means payment of year entire New Balance. However; if you pay the New Balance shown on this bitting statement by the Payment Due Date, and the Payments and Craft shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on row purchases, that is, purchases first eppearIM on this statement If your Account was closed as of Septernber 27.1999, you can avodi payment of Periodic Finance Charges if you pay the New Balance shown on On Statement by the Payment Due Date and the Payments and Cremes on this statement equal or exceed your Previous Balance. Otherwise. you will receive a billing statement next mouth that indudes Periodic Finance Charges imposed until the date of repayment. We compute Periodic Finance Charges each day for puchases, cash advances, balance transfers and Old Balances tAlch we refer to as transaction categories) by using the following ...-.::! AYet?S1C.Dalty-Batance.x.mnmber.mel d::JSdC.:llet) L^q..RendbL? x Q)* Periodic Rate. (Referlo.ibelhoatxae LliatgCSUmmary.ott]Ite frahtof your-statementfx these arttoynls.)-- i- Thh ea Au odd all the Periodic Finance Charges for each transectkm category to get the total Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 if no Periodic France Charges apply to the balance in a transadon category. We use the Average Daily Balance (Mcludirg new transactions) method of cakxulaft the balance upon which we impose Periodic France Charges. We compute the average defy balance for each transaction category by adding up all the daily balances In a billing period fa a transaction category and dividing the total by the number of days in the bitting cycle. We compute tie daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions made that day, fees charged that day: and Periodic Finance Charges accrued on the previous day's daily balance: and by than subtracting any credits and payments that are applied against the balance of the transaction category on that day. Old Balances are excluded from the balance of the purchase and cash advance bansactbn categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were subject to an initial special rate that has been terminated due to a late payment are also included in the category acrd the initial special rate otherwise would have expired. In calculating the daily balance of the balance transfer transaction category on the fast day of the billing period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. AN fees charged to your Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added lo the cash advance transaction category and Balance Transta Transaction Fee Finance Charges which are added to the balance transfer transaction category. If a transaction made in a previous: billing period is itermzed on this statemeriL we consider the transaction date to be the brat day of the crrrerd billing period when we calculate your Periodic Finance Charges. For TDD (Telecommunications Device for the DeaQ assistance, call 1.1; 347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. ilw rl:ern„e.+3 ror.h M ion>ei lu, Rie?m.er Reno SAemMr Fr1r!^. November ZZ, 1uv4 Please make beck paycb!e'o Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum paymesh plus the overlimit amount of $1,050.213. 23 SDSN6A02 0025617 MORRISON, SHARON L 243 MEALS AR CARLISLE PA 17015-3183 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 statemerts only you ain access. Learn more at cliscover.com/paperiess. Po Box 71084 11111111 111111 lh 111111111111 CHARLOTTE NC 28272-1084 I??IJLJI??I?II???I?11J??III 11u1L11411r111irInIh11111111 000001986618254696102060502800134000013500 Discover Platinum Card Account Summary Closing Date: October 23, 2004 page 1 of 1 ;Account number ending in 2472 Previous Balance $6,024.75 Payment Due Date November 22, 2004 Payments And Credits - 134.00 'Minimum Payment Due $135.00 Purchases + 35.00 :Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 F'manco Charges + 124.53 Cash Credit Available $0.00 New Balance = $6,050.28 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Banu:ie Opening Cashback Bonus Balance $ 11.12 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance 11.12 -!•CashbackBonus®-Anniversa -------------------------•---------------------------------------------------- Month: August Keep usinngg your Discover(R) Card and watch owl Cashb k B (R) d : your ac onus awar gr i Remember, once your Cashback Bonus d i t l 20 ` d s a east $ eem your , you can re awar d b ll b l y ca ing us or y ogging into the awar 1 Account Center at Discovercard.com. How Can We Help You? I . Visit D6covsacom to your bN for no cost view your l t t A t i f d d io d d es a ccoun n ormat on earn an re more s an eem rewar It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy selkservice 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 Date Payments and Credits Oct 19 Oct 19 PAYMENT. THANK YOU $ -134.00 0j6t/MIscer-aee6us ------Oct2-a --Oct-23 OVERLIM IT-FEE----- --- --- --- - - - - -------------------38:00 ---- i Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balcince s Rates RATES RATES CHARGES CHARGES ,current billing period: 30 days 'Purchases $3762.30 0.06847% 24.99% F 24.99% $77.28 $0 Kash Advances $2300.29 0.06847% 24.99% F 24.99% $47.25 $0 The rates that cooly to vour Account are either fixed IF) or thev may varv N) as noted above. Important h*r aWm. If !here is more than on- page to this billing statement, see the back of each page for additional important inIormatim. See your Canhember Agreement. Your Card ranberAgreement comers all the terms of your ACOMA. Lost or stolen cards. Report immediatey! Call 14800.347.2683. Biting Rights Summary in Case of Errors orQuesbons About You BB: it you 8lok your bur is wrong, or I you need more inkemadon about a transaction on your bur, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake C3Ey, UT 84130-0421, as soon as possible. We must hear from you no Wer than 6D days after we sent you the first bli on which the amen or problem appeared. You can telephone us, but doing so will not preserve your rights, in your letter, give us the fowng WMnalion: • Yom name and A=unt number. • The dollar smart of Be suspected error. • Describe the errs and a**, I you can, why you believe there is an error. N you need more informafan, desaRme the horn you are unsure about. You do not have to pay any amount in question while we are investiga ft but you are still obligated lo pay the ports of your bill that are not in question. "ale we investigate your q nstion, we cannot report you as delinquent or take any action to coiled the amount you question. Special Rub for Credit Card Purchases: If you have a problem with the quality of goods a services that you purehasea with a credit card, and you have tried in good WIN to correct the problem with the merchant, you may not have to pay the remaining amount due on the good or services. You have the protection only when the purchase price was more Ian $50 and the purchase was made in your home state or within 100 miss of your mailing address. (if we own or operate the inw hat, or I we maned you the advedsatrertt for the goods or services, an purchases are covered regardless of Ia amount or location of purchase.) Payments. Send only your psymem and the tap portion of this statement in the envelope provided. Do not send cash. By sendirill your deck as desathed above, you authorize us to use i Anuaton on yourdmedc to metre an eWm k fund treasW Fan yow account at t nkw,ed km*Aim kdoeW on your deck or fo process to payment as a dhedc tiasadion. N payment is processed as an electronic fund hander, the transfer will be for the amore of the dhccit. Ydren we use Wkirodon from yaw check to make an slew Cflnd transfer funds may be withdrawn from you swont as soon as the same day we receive your payment, and you will not reo" your credo back from your f wWd i stikudon. The processing of your payment maybe delayed I you send cash, oarrespo dem ootner items with your psymdht, if you send the payttent to any other address or t you use an envelop other than time one lx Aded. Payments received In proper but at our processing bit by 5PM local time an any day will be credited to your Account, as of that day. Payments received alour ' processing tacky o ter 5PM local time will be credited b yprAccount as of the neAday. llyou have M, Pl> W your MWOOe, send youur payment to Discover. PO Boz i 1W. CerolVri".1 W'I0T-61M.T'i?'se allow 7=W Sys for-d-eivefp lfyiaiar payatnenIis Mi" uopiaid. W reserve 0W W foie mWis-a6 efe&bW " ------------- You can pay your minimum payment or a greater emoW of the ghats. and you can set up aulometic paymerfa. Can us at 14W-347-2863. You will !teed 6tb statement and your bank account information. You must ensue that suMwd funds are avahabie in you bank account, and ail trarasactions must on* with U.S. law. You will be asked to provide the to 5 digits of your aomunt statement ZIP code. By entering those numbers as your electronic signakra, you will be agreeing to this aulhorladon to allow us and your bark to deduct each payment you authorize kom you bank account, and to initials debit or credit entriap to your bank account, as applicable to correct an amain ft processing of such payrrwL You must tell as the amount of each poayment, or you can select an amount such as the Minimum Payment Due or the New Balance on each stelemat. You can cancel a payment, however we must receive noloe at least three business days in advance of the sdneduled poaymerx. You may notify to by plane at 14&W-2683 or by mall at the address listed In the p v&m paragraph. B you, payments may vary in amount, we B tell you on each monthly statement when your payment will be made and how much I will be. Yourlurlomalic payment amount. may be less than indicated on the morriby statement based on credits or payments applied during the bBkmg cycle. Credit Reporting. We may report kdomh6on abort youreceomt to credit bureaus. Late payments, missed payments, or otter delude on you account may be reacted In your credit report. V% nonnallyr report Ire status and payment history of your Aocount to credit reparbng agencies each month. 9 you believe that our report is gaoo rate or Incomplete, please write us at the lkllowi g address: Discover, PO Box 15316, W4uinglon, DE 19850.5316. Reese include your name, address, tame telephone number and Account number. Periodic Fiance Charges. Ezcept as provided below, we will impose Periodic. France Charges on p u asps, cash advances, and balance transfem begkWM with Ire data the transaction occurs uhB the data of repayment and an Old Balances ur dl the data of reghyment. Old Balances are comprised of either purchases and cash advarms made on or prior to the last day of your bh7lg period ending during February 1993 or Reserve Lie balances. You can auoki payment of Palo* Finance Charges on new purchases I you pay the fmw Balance shown on the biting datewt on wft the purchase first appears by to Payment Due Dale, and the Payments and Credits on the statement equal or exceed your Previous Balance. We call Iris the "grace period'. You do not have a grace period on balance transfers or cash advances. Ponodlo Fiance Charges are Imposed on new balance transfers and cash advances be*" with the data the transaction occurs. Periodic France Owges as imposed on all transactions and Old Balances rxti the data of repayment. Repayment mans payment of your entice New Balance. However, Iyou pay, time New Balance shown on the toting statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will rat; impose Pwkx k Finance Charges on new prndases, that is, purchases first appearing on tlls shalemenL If your Aooount was dosed as of September 27,1999, you can avoid poay nWit of Periodic Finance Charges Iyou pay the New Balance shown on ttis Statement by Due Date and the Payments and Credits on this statement equal or exceed you Prehri us Balance Oterwtse. you will receive a billing statement nerd a" that Periodic Fiance Charges imposed tali the dale of repayment. We compute Pariadic Fna ce C loges each day for purdieses. cash advances, balance tranders and Old Balar ces Mfr we refer to as transaction categories) by using to following equationJ?- Qai QOOrim &wa6m of days.Itr the bang petted x Daily. Roo* Ri84e, 0W-k ej46 .CbWW 8hgrahary OfLke f rat of pff-SWO-n eg forlhese atneats.)_ Than we add all the Periodic Ftnarwe Charges for each transaction category to get the total Periodic Finance Charges for ymAmount. The Average Daly Balarwe is shown as 0I no Periodic Finance Charges apply to the balance In a transaction category. We use the Average Daly Balance (mcludrg am tarswkns) method of coldAating the balance upon which we impose Periodic France Charges. We compula to average daily baarm for each transadkrn calegoryr by adding up an the dally balances Ina biting period fora transaction category and dividkhg the total by tie number of days into billing cycle. We ounpute the F?mca Charges aomvd previous on the daysdally day by first adding the following balaanoe a ten su it gathe ny wits and dp payments balance: hansadons made Mare ap against the 0? al day, fan charged of the transaction ? ?m day, and Periodic category on that day. Old 821ances we excluded from the balance of the pudase and cash advance trw&vfion categories. Special rate balance transfers and Balance Trenefer Transaction Fee Finance Charges are rmluded io the daily balance transfer transaction category. Balance Wafers that were subject to an initial special is* that has been laminated due to a late paymem are also kmdmded In the calam until the initial special rate otherwise world have expired. In calculating the dally balane of do baance transfer transaction category on the tkst day of the billing period, we subtract the unpaid balance of those Balance Trasfer Transaction Fee Finamce Charges and balance transfers that become pudhse rate balance Iansfers on that day and we add that unpaid balance to the balance of the purchase transaction category. AN fees longed to yorAccou t are added to the purchase transaction category with the exception of Cash Advance Ttensacd m Fee Finance Charges wtddh are added to the canto advance transaction category and BaWa Transfer Transaction Fee Finance Charges w kb are added to the balance transfer transaction c ategcry. 9 a transaction made in a previous billing period Is kenked on this statement, we consider the transaction date to be the first day of the current billing period when we calculate, your Periodic Fiance Charges. For TDD (Teletwmmrsdcatons Device for the Deaf) assistance, call t4g0.347.7449. Discover may monitor ardor raced telephone cats between you and Discover representatives for quually assuanoa purposes. Ton nK-ns -M K ;-,.A h„ nK..,,.b. 92-& ewe,,,he. Crvr. veCerrlber ZZ, Zuu4 Pease make check payob"e to Discover Platinum Card. You arc, overlimit. Pay the sum of the monthly minimum payment plus the overlimit amounl of $937.1:5. 23 SDSN6A02 0025618 MORRISON, SHARON L infoprapaperless pule mation more Go and make your ore secure with password- 243 MEALS DR pprotected statements only you can access. CARLISLE PA 17015-3183 Leam more at discovercomlpaperless. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive imporiont Account information and special offers. PO BOX 71084 1?I,nII,,,nI,?ul?u?sl,I CHARLOTTE NC 28272-1084 000001986618254696102059372500000000011900 Discover Platinum Card Account Summary Closing Date: November 23, 2004 page 1 of 2 Account number ending in 2472 Previous Balance $6,050.28 ;Payment Due Date December 22, 2004 Payments And Credits 180.00 'Minimum Payment Due $119.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 'Cash Credit Limit $2,500.00 Finance Charges + 66.97 ,Cash Credit Available $0.00 New Baiance. _ $5,937.25 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus° Opening Cashbadc Bonus Balance $ 11.12 New Cashbock Bonus This Period + 9.00 Cashbodc Bonus Oda ce $ 11.12 Cashbock Bonus&Anniversa --------------------------------------------------------- Month: August .How Can We Help You? 1. Visit Discowreom to pay your bbl for no cost, view your latest Account informati deem r o d d d :It's your choice - 3 ways to help on, earn an ew r s an re more 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) see reverse side , Salt Lake City, UT 84130 Transactions $4 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Pest Dale Date Payments and Credits Nov 22 Nov 22 PHONE PAYMENT - THANK YOU $ -180.00 'Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your Account was overlimit, we have chosen not to do so at this time. We have terminated, however, any Introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. We reserve the right to increase the APRs on your Account if, as of the close of a bi_ll1q. _ period, your outstanding Accouritbclance ezcee7a your Wccount credit limit. See the CWL4 Rye Plan section of the Cordmember Agreement For details. Finance Charge Summary Nominal Tronsaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba ces Rolm RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3733.83 0.03559% 12.991/o F 12.99% WAS $0 Cash Advances $2337.23 0.03559% 12.99% F 12.99% $25.79 $0 The rates that cooly to vour Account are either fixed (Fl or thev mov vary Nl as noted above. i Important Information. If daere is more than one page to tits billing statement, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your AcoomL Lost or stolen cards. Report immediately! Call 1.800.347.2683. Billing Rights Summary. In Case of Errors or QuestioraAbout Your BE. If you ttindc your bill is wrong, or if you need more information about a transaction on you big, write us on a separate sheet of paper at Discover, PO Sox 3D421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no later then 60 days after we sent you the first bill on which the error or problem appeared. You can teephane us, but doing so will not preserve your rights. In your letter. give us the following inform tart: • Your name and Account number. The doter amount of the suspected errs. • Describe the error end explain, it you can, why you believe there is an error. If you need more information, describe the item you are unsure about You do not cave to pay my amount in question while we are investigating, but you are stilt obligated to pay the parts of your bill that are rat in question. While we investigate you question, we carrot report you as delinquent or take any action to collect the amount you question, Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good tailor to correct the problem with the merchant, you may not have to pay the rema'unng amount due on the good or services. You have the protection a w1hen the purchase price was more that $50 and the purchase was made in your home state or wiW 100 miles of your mailing address. (t we own or operate the merchant, or If we mailed you Ore advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send oniy your payment and the top portion of kris statement In the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic AM transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer. the transfer will be for the amount d the check. When we use intonnallm from your check to crake an electronic find transfer, finds may be wlNrmm from you account as soon as the same day we receive your payment, and you will not receive your dock back from your financial ereUtuUon. The processing of your payment may be delayed if you send cash, eouespardence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the as provided. Payments received in proper tam at our processing facility by 5PM local time on any day will be credhed to your Account as of that day. Payments received at our Wooessing: facility after 5PM local time will be credited to your Account as of Mlle next d_q. IF you have misplaced envelope. send your p Vnent to Discover, PO Box 003, C W9t?eeih 16 M $7-Biff .Please iLwr-i6days for de0Wr 0 your piaymi R is ie tu WtiW, i -eIi setW She - fa-resubnaT pas an 6(adronxWC ------------ You can pay your rud payment or a 'greater amount of the telephone, and you can set up automatic payments. Call us at 180a347-2683. You will need this statement and your bank account information. You mast ensue that su(6dert funds are available in your bank aooomL and all transactions mast comply with U.S. paw. You wilt be asked to provide the first. 5 digits of your account statement ZIP code. By entering Ukase numbers as your etedronic signature, you will be agreeing to this authorization b allow us and your bank to deduct each payment you authorize from you barrio account, and to initiate debit or credit entries to your bank acooak, as applicable to owed an error in the processing of such payment. You must tell us the arrant of each payment, or you can selectan amount suds as the Minimum Payratt Due or the New Balance on earth statement You can canoel a payment, however we must receive notice at least tree busortss days fir advance of the scheduled payment You may notiy us by phone at 1-800,347-2683 or by mail at the address listed Into previous par?raph. If you payments may vazyr In arnoonc we S ten you on each monthly statement when your payment will be made and crow much it will be. YourAufomatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the balling coo. Credit Reporting. We may teport Wormall n about your account to aedkbureaus. Late payments, missed payments, of other defautts on yam accotra may be vellectied ) your credit; report. We normally report the status and payment history of yo rAcuout to credit reporting agencies each montit. I you believe that our report is inaccurate or Incomplete, please write us at the following address: Discover, PO Box 15316, Wftigton, DE 19650.5310. Please include your name, address, hone telephone namber and Account number. Periodic France Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, rash advances, and balance Usisfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your bilkrg period endrg during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement, on which the purchase fast appears by the Payment Due Data, and the Payments and Credits on the statement equal or exceed your Previous Balance. We cat this the 'grace period'. You do not have a grace period on balance transfers or cash advances. Petodc Finance Charges are imposed on new balance transkrs and cash advances beginning with the date to transaction occurs. Periodic Finance Charges are unposed on aft hansadions and cad Balances until the date of repayment. Repayment means payment of your entire New Balance, Hamm, if you pay the New Balance shown on this billing statement by the Payment Due Data, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will riot Impose Periodic Finance Charges on new purchases, that is, purchases brat appearing on this statement If your Account was dosed as of September 27,1999, you can avoid payment of Periodic Snance Chagas it you pay the Now Balance shown on this Statement by rte Payment Due Date and the Paymerhbs and Credits on this statement equal or exceed your PrevaA Balance. Qtherwise, you will reWW a billing statement next math that includes Periodic Finance Charges imposed until Ore dale otrepaymett. We canpute Periodic Finance Charges each day for purchases, cash advances, balance transfers and Old Belances (which vie rater to as transaction categories) by using the following so: in AverageDsPy hgexnumberofdaysin-the b8tktg.peri, x.WIyFeriodicRafo..(Rehr.tithe.5natcschargesummaryAn.ft16 tot-ofyourstWemerytIxfts _arnounts.)-__ Then we add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for you Account The Average Defy Balance is shown as 0 t no Periodic Finance Charges apply to the balance In a tansaction category. We use the Average Dally Balance (mcluding new transactions) metrod of calculating the balance upon wtK h we impose Periodic Finance Charges. We compute the average daily balance for each transaction category by adding up all the dally batarx:es in a b*V period for a transaction category and dividing the total by the number of days In the billing cycle. We compute the daily balance lanCharges ce foreach ?ratransathe previous ction category days deraybby N and by adding the following the yw an days daily balam: transacdots made that day, fees Barged that day. and Pododic ilY Y then rg pay + that are applied against the balance of the transaction category on that day. Ord Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transacfan Fee France Charges are Included in the daily balance transla transaction category. Balance transfers tat were subject to an initial special rate that has been terminated due to a late payment are alsolncluded it Vhe category until the }minion special We o1herMse would lava a o' W. in ling the daily balance d the belarme transfer transaction category an the first day o1 the. MR period, we suubtrad the unpaid balance of those Balance Transfer Transaction Fee FmF I Charges and balance transfers that became purchase rate balance transfers on that day and we add that unpaid balance to five balance of rte purchase transaction category. At fees darged to your Account are added to the purchase transaction category with the exception of Cast Advance Transaction Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category, t a transaction made in a previous biting period is itemized on this statement, we consider the traztsacdon dale to be the first day of the curent biking period when we calculate you Periodic Finance Charges. For TDD (Telecommunications Device for the Deaf) assleMance, call 1.800.347.7449. Discover may monitor ardor record telephone calls between you and Discover representatives for quality assurance purposes. The Oisrnverv card is Issued by 01scover Bank. Member FDIC. 23 80SN6A02 0025619 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. DDDD019866182S4696102058208'2CIf3lBDi3D40117UU Discover Platinum Card Account Summary Closing Dab: December 23, 2004 page 1 of 2 Account number ending in 2472 Previous Balance $5,937.25 Payment Due Date January 22, 2005 Payments And Credits - 180.00 Minimum Payment Due $117.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Finance Charges + 63.57 Cash Credit Available $0.00 New Balance = $5,820.82 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banue Opening Cashbock Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.10 Cashback Bonus Balance $ 11.12 Cashback-Bonns®Mniversary - - - - - - - - - - - - - - - - - - ;Month: August ';Keep usi your Discover(R) Card and watch R l h% k d ) awar grow ;your Cos ac Bonus( lRemember, once yyour Cashback Bonus ou can redeem jaward is at least $20 our , y y ;award by calling us or by logging into the ;Account Center at Discovercard.com. .How Can We Help You? 1. visit Discover cons to pay your 69 for no cost, view your fated Account information, earn and redeem rewards and more 11's your choice - 3 ways to help 2• Call 1.800•DISCOVER (347-2683) for fast, easy self=service Please hove your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Sob Lake City, UT 84130 Transactions $0 Fraud Uability Guarantee Use your Discover Card with confidence. Trans. Post Dote Date ;Payments and Credits Dec 22 Dec 22 PAYMENT -THANK YOU $ -180.00 ;information For You ;While we are permitted under the Carchnember Agreement to increase the APRs on your Account because your Account was ?overlimit, we have chosen not to do so of this time. We have terminated, however, any introductory or promotional rate on 'purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of ;purchases and balance transfers. We reserve the right to increase the APRs on your Account if, as of the close of a billing ;period, your outstanding Account balance exceeds your Account credit limit. See the Default Rate Plan section of the ;Cordmember Agreement for details. January 77, 2UQ5 Please make check payable to Discover Platinum Card. You are overlimlt. Pay the sum of the monthly minimum payment plus the overlimit amount of $820.82. Go paperless and make your account information more secure wrath password- protected statements only you can access. Learn more at discovercomlpaperless. PO BOX 71084 111111111111111111111111111 `CHARLOTTE NC 28272-1084 ! IllllI111IIIIII1IIItllll111111?111lIIk1I11I11?It1(11111?11111I Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) award to the Make-A-Wish Foundation. To loam how, please visit Discovercard.com or visit www.wish.org. Important Information. If there is more than one page to this bilirng statement see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1.800.347.2683. Billing Rthts Summary. In Case of Errors or QuestionsAbout Your Bill: If you think your bit iswrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake Cry, UT 841304421, as soon as possible. We must hear from you no later loam 60 days after we sent you the first bill out which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In you teller, give us the Mowing information: Your name and Account number. • The dollar amount of [tie suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, dew" the Rem you are unsure about. You do not have to pay arty amount in question while we are investigating, but you are still obligated to pay the parts of your trill that are not in question. While we Investigate your question, we cannot report you as delinquent or take any action to tolled the amount you question. Special Rule for Credit Card Purchases: if you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good faith to coned the problem with Die merchant, you may not have to pay the remaining amount due on the good or services. You have the protection only when the purchase price was more than $50 and the purchase was made in your home stale or within 100 miles of you minting address. (If we own or operate the merchant, or 7 we mailed you the advertisement for the goods or services, at purchases are covered regardless of the amount or location of purchase.) Payments. Send only you payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial kMkrtion talented on your check or to process the payment as a check hansediori. It payment is processed as an eiectuic fund transfer, the transfer will be for the amount d the deck. When we use Worinalion from your dledk to make an electronic fund transfer, funds may be withdrawn from you account as soon an the same day we receive your payment, and you will not receive you check back from your financial instihdron. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, dyou send the payment to any other address or 0you use an envelope other than the one provided. Payments received in proper form allow praxsskg facility by 5PM local time on any day will be credited to yartAccourd as of that day. Payments _ received at our processing facility after SPM hk_I fmo will be aeditod toyour Account as of the next day. If you have nuspkedyour ?e :sendyourpa?mient to Discover, PO Box' 6103, Carol Stream, IL GOi97 6103. Please a?wi'1-10 days for t>eliveiyk i! yens payment is relumed uinpaid.ive resolve tie right (O re it as an el0&ik de611 You can pay your minimum payment or a greateramouM of the telephone, and you can set up automatic payments. Cal us at 1-800.347-2683. You will deed this statement and your bank account information. You must ensure that sufficient funds are available in you bank account, and all transadiorhs must comply with US. law. Your will be asked to provide the fro' 5 kegits ayour account statement ZIP code. By entering those numbers as your electronic signature. you will be agreeing to this authorization to stow us and.yo r bands to deduct each payment you authorize from you bank account, and to initiate debit or credit entries to your bank account, as applicable to correct an error in the processing of such payment. You must tell us the amount of each paymerhL or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can Cancel a payment, however we , must receive notice at least tree business days in advance of the scheduled payment You may hotly us by phone at 1800-347-2683 or by mail at the address listed in the previous paragraph. If your payments may vary in amount, we ill pet you on each mashy statement when your payment will be made and how much it will be. Your Automatic payment amount i may be less than indicated on the monthly statement based an credits or payments applied during the bill g cycle. Credit Reporting. Wk may report informaton about your account to credit bureaus. Late pay=*, missed payments, or other defaults on your amount may be reflected in you credit repot We normally repot the status and payment history of your Account to credit reporting agencies each mach. If you believe 00 our report is inaoxrrate or incomplete, please write us at the foilowbg address. Discover, PO Box 15316, Whlmi gton, DE 19850.5316. Please include your name, address. Mane telephone number and Account number. Periodic Finance Charges. Except as provided below we will impose Periodic Finance Charges an purchases, cash advances, and balance transfers beginning with the data the transaction occurs tail the date of repayment and an Old Balances unfit the date of repayment Old Balances are comprised of ether purchases and cash advances made on or prior to the last day of your billing period "rig during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purdeses 9 you pay the New Balance shown on the biting statement on which the purchase lust appears by the Payment, Due Date, mid the Payments and Credits on the statement equal or exceed your Previous Balance. We cal this Wgraee period". You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are Imposed on new balance transfers and cash advances beginning with the date the transaction oomn. Periodic Finance Charges are imposed on at transackrs and Old Balances until the dale of repayment. Repayment means payment of your entire New Balance, however, if you pay the New Balance shown on this billing statement by the Payment Due Date. and the Payments and Credits shown on his statement equal or weed the Prevous Balance, we will not Impose Periodic France Charges on new purchases, that is, purchases first appearing on this statement If your Account was dosed as of September 27, 1999, you can avoid payment of Periodic Finance Charges if you pay the New Balance shown on this Slatement by the Payment Due Date and the Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise. you will reeve a biting statement next month that includes Periodic Finance Charges imposed urd the date of repayment. We compute Periodic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances *kh we rater to as transaction categories) by using the Mowing ?q hi_??? p tai} Bslancexncwhbecofd?xsl?t'lcfa iogp^uodx0,*2X&WicSale. (Reforlathe.ffoacce A.-Loawavary.onllte.franLofyourstatemeatforthese ahummis.)_ Then hv,: add all the Peusou#c Finance Charges for each transaction category to get the total Periodic Finance Charges for yotrAccont The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to he balance in a transaction category. We use the Average Dally Balance (including new transactions) method of calculating the balance upon which vve impose Periodic Francs Charges. We compute the average daily balance or each transaction category by addirg up at Die daily balances in a billing period for a transaction category and divicng the oral by the nuttier of days in the bitting cycle. We compute the daily balance for each transaction category on each day by irst adding the following to the previous days daily balance: transactions made that day, fees charged that day. and Periodic France Charges accrued on he previous day's daily balance, and by then subtracting any credits and payments that are appffed against the balance of the transaction category on that day. Old Balances are excl uded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were subject to an vital special rate that has been terminated due to a to payment are also included in the category until the mW special rate otherwise word have expired. I calculating Die dally balance of the balance transfer transadion category on the fret day of he billing period, we subtract tine unpaid balance of hose Balance Transfer Transaction Fee Finance Charges and balance transfers thal become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. All tees charged to you Account are added to the purchase transaction category with foe exception of Cash Advance Transaction Fee Finance Charges which are added to he cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. If a transaction made in a previous biting period is itemized on his statement, we consider the transaction dale to be the first day of the current billing period when we calculate your Periodic Finance Charges. For TOO (Telecommunications Device for the Deaf) assistance, call 1.800.347-7449. Discover may monitor and/or record telephone rats between you and Discover representatives for quality assurance purposes. _. n:-..-A ....-,, r.,;-1.,a 1... Il'..........- 0-11 kln...k - MIP 23 SDSN6A02 0025620 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. February 22, 2005 CHARLOTTE NC 28272-1084 Ir?lrllrrlriilrllrrrliilrlrrrllllir?lirlirl?iElirlrrlrrlil?ill Please make check payable to Discover Platinum Card. You are overlimit. Po the sum of the monthly minimum payment plus the overlimit amounl of $70514. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover conVpapertess. PO BOX 71084 11111111 1121111111111111111 000001986618254696102057052400180000011500 __--------- ....._.-.... ' Discover Platinum Card Account Summary Closing Data: January 23, 2005 page 1 of 2 ;Account number ending in 2472 Previous Balance $5,820.82 Payment Due Date February 22, 2005 Payments And Credits 180.00 Minimum Payment Due $115.00 Purchases + 0.00 .Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Cha s + 64.42 Cash Credit Available $0.00 New Balance = 5,705.24 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 11.12 New Coshback Bonus Thts Period + 0.00 Cashback Bonus Balance $ 11.12 -CashbackBonus&Anniversa------------------------------------------------------------------------- Month: August keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once your 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 mni to pay your 6111E for no cad, view r p latest Account information, earn and redeem rewards and more 1trs your t holce - 3 ways to help 2. Call 1-800-D11SCOVER (347-2683) for fad, 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 MD (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 Jan 22 Jan 22 PAYMENT - THANK YOU $ -180,00 !Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your Account was overlimit, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on :purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. We reserve the right to increase the APRs on your Account if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. Seethe Default Rate Plan section of the Cardmember Agreement for details. Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A Wish foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) award to the Make-A-Wish Foundation. To team how, please visit Discovercard.com or visit www.wish.org. Important Infomration. If there is more than one page to this AM statement, see the back of each page for additional important information, oce See your Cardmember Agreement. Your CasdmemberAgreemenl contains all the terms of your Account. do Z Lost or stolen cards. Report irsneftlelyl Call 1.84G T-2683. D Billing Rights Summary. In Case of Errors or Cuestions About Your Bill: 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 Discover, PO Box 30421, Salt Lake City, UT 64130-0421, as soon as possibie. We must hear from you no later than 60 days after we sent you the fast bil on whkh the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your now and Account number. The dollar amount of the suspected error. • Describe the error and explain, 9 you can, why you believe there is an enor. tyou need mom: information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating but you are OR obligated to pay the pads of your bit that are rot in question. While we investigate your question, we cannot report you as delinquent or take any action to collecl the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good fain to correct the problem with the merdvK you may not have to pay the mm&WM amount due on the good or services. You have the protection only when the purchase price was more than $50 and the purchase was made in your hone state or wft 100 roles of your mmaaltng address. (If we own croperate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only yourpayment and the lop portion of this statement In the envelope provided. Do not send cash. By sending your dhedc as described above, you autodze us to use information on your check to maitre an daebonlc fund transfer from your accent at the knemdal insblu Lion indicated on your check or to process the payment an a dieck transaction. If payment is processed as an electronic fund transfer, the transfer wig be for the amount of the check. When we use iMarmation from your crock to make an electronic hind transfer, funds may be withdrew from you account as soon as the same day we receive your payment, and you will not receive your check back from your financial instiknlon. The processing of your payment may be delayed ft you send cash, correspondence or other Rams with your pe wont, if you send the payment to any other address or if you use an envelope ether than the one provided. Payments received in proper form at our processing facility by 6PM local time on any day will be credited to your Awant as of that day. Payments received at our prooessirill facility after 6PM local lime will be credited toym A,*mnt as of the next day. If)w have misplacN renvelope, sendyour payment to Discover, PO Box 610 3, C:uo?96WP"IC V1§7.MY Base idoirr'/ 16 days foideAW. t yoimpeyment is returMd'&paia. are &edve tEhe "risu&nt dais an eailW* debd. ------------ You can pay your minimum payment or a greater amount of the telephone, and you can set up outomak payments. Cal us at 1.800.347.2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your baulk account, and at transactions must comply vuith UA law. You will be asked to provide the first 5 digits of your account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to its authorhaton to allow us and your bank to deduct each paynhent you authorize from you bank account, and to Initiate debit or credit enkies to your be* accent, as applicable to correct an errorin the processing of such payment You must tell us the amount of each payment, or you can select an amount such as the Minimurn Payment flue or to New Balance out each statement You can cancel a payment, however we must receive notice at least three buakhess days in advance of the scheduled payment You may notify us by phone at ia()4947-28s3 or by mal at the address listed in the previous paragraph. If your payments may vary in amount, we ant tell you on each monthly statement when your payment will be made and how much 4 will be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the bang cycle. Credit Reporting. We may report information about your account to usct bureaus. late payments, missed payments, or other defaults on your accent may be roleced in your credit: repel We normally report the stabs and payment history of your Account to credit repgtitf? agencies each month. If you believe that our report is Inaccurate or incanplete, please write us at the tW tug address: Discover PO Box 15316. Wilmington, DE 19850.5316. Please include your new, address, hone telephone number and Account number. Periodic Finance Charges. Ezoept as provided below, we will bow Periodic Finance Charges on purchases, cash advances, and balance transfers beginning with the date the transaction occurs until the date of repayrherd and on Old Balances until tie date of repay meit. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your bung period ending during February 1993 or Reserve Lute balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on the statement equal or exceed your Previous Batancoe. We call On the *W" period". You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance translim and cash advances beginning with the date the transaction occurs. Periodic Finance Charges are imposed on all transactions and Old Balances unlit the date of repayment. Repayment nears payment of your entire New Balance. However, t you pay the New Balance shovm on this bilfrg statement by due Payment Due Data, and the Payments and Credos shown on this statement equal or exceed the Previous Balance, we wB not impose Periodic Finance Charges on now purchases, that is, Purchases first appearing on this statement. If your Account was closed as of Septernber 27,1999, you can avoid payment of Periodic Fnonce Charges t you pay the New Balance shown on this Stahl by this Payment Due Date and the Payments and Credits on this statement eon or exceed your Previous Balance. Otherwise, you will reoenne a bung Memo next month that I des Periodic Ftratce Charges imposed until the date of repayment. We compute Periodic Finance Charges each day for purchases. cash advances, balance transfers and Ofd Balances (which we refer to as transaction categories) by using the following .. ? V11:.uL Aver?]cD;ahly ?8!mDf? x ?W?r9idv?YS ?_'•i`S': i_w%: `:":XCX $?d9:P".d.4?}i$U .t ke>hg ?n?charge swtm?ary on Me treart9f?rotrc 4tatement for Mesri amqunts.l _ _ fhen we acrd all Uro Periodic Finance Charges for each transaction calegory to gel the total Periodic Finance Charges for yourAccarnt-The Average Daly Balance is shown as 0 9 no Periodic Finance Charges apply to the balance in a transaction category. Muse the Average Daily Balance (ahdtrding new transactions) meted 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 transaction category and cividing the trial by N ntunber of days In the billing cycle. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daffy balari : transactions made that day, foes charged that day, and Periodic Finance Changes accrued on the previous day's daily belance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. Old Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are Included in the daffy balance transfer transaction category. Balance transfers that were subOct to an Initial special rate that has been ternhinato d due to a late permit are also Irduded In the category undo the initial special rate aNrerwise would have expired. M calculating the daly balance of the balance transfertransacton category on the first day of the lolling period, we subtract the wpaid balance of those Balance TransfarTransaotim Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. Al fees charged to yourAcmnmt are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Financii Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. If a transaction made in a previous bitting period is itemized on this statement, we consider the transaction date to be the first day of the current billing period when we calculate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deaf) assistance, call 1.800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. Tthr nicmvart rnTd is icaharr by rhi rmrar Rank MAmhwr Mr. 23 SDSN6A02 0025621 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. 00000198661825469671020558838001800000112030 Discover Platinum Card Account Summary Closing Date: February 23, 2005 page 1 of 2 ;Account number ending in 2472 Previous Balance $5,705.24 !Payment Due Date March 22, 2005 Payments And Credits 180.00 ,Minimum Payment Due $112.00 Purchases + 0.00 ;Credit Limit $5,000.00 Cash Advances + 0.00 !Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 63.14 .Cash Credit Available $0.00 New Balance = $5,588.38 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bmuse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 090 Cashback Bonus Balance $ 11.12 -;Cashback-Bonas®-Mniver --------------- sary ----------------------------------------- -------------------------? ;Month: August 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 avoilable. 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 Feb 22 Feb 22 PAYMENT -THANK YOU $ .180.00 ;Information For You ;While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your Account was ,overlimit, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR For purchases to your outstanding balance of purchases and balance transfers. We reserve the right to increase the APRs onrur Account if, as of the close of a bi1_li_n8_ _ _ _ _ _ _ -ipeH-6d, your oufsfaMi'n-g Account lei ilarice excieds your Account credit Ti W See the Defauk Rate Plan section of the Cardmember Agreement for details. ;Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ala ces Rat" RATES RATES CHARGES QMIM :current billing period: 31 days Purchases $3309.16 0.03559% 12.99% F 12.99% $36.50 $0 Cash Advances $2415.02 0.03559% 12.991/6 F 12.99% $26.64 $0 The rates that aooiv to your Account are either fixed (Fl or they may vary M as noted above. Marc" ZZ, zvua Please make check payable to Discover Platinum Card. You are overlimlt. Pay the sum of the monthly minimum payment plus the overlimit amount of $588.38. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperiess. PO Box 71084 IIII?Illlllltllllllllllllll CHARLOTTE NC 28272-1084 IIrIIII11I1111111i111111rII111111111111I111111111111I11I111111 Important Information. If there is more than one page to this billing statement, seethe back of each page for additional important Information. See your CardmemberAgreement. Your CardmemberAgreement contains all the terms of your Account. Lost or stolen cards. Report immediately. Cog 1.800.347-2683. BltM9 Rights Summary. in Case of Errors or Questions About Your Bit if you thhk your bill is wrong, or R you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear from you no later then 60 days after we sent you the first bill on' which the error or problem appeared. You can telephone us, but doing so wA not preserve your rights. In your letter, give us the following information: • You nome and Account number. • The dolor amount of the suspected error. • Describe the wror and explain, R you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bit that are rat in question. Whine we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card PdRchoses: if you have a problem with the qualify of goods or services that you purchases with a credit card. and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the good or services. You have the protection only when the "dim price was arse than 350 and the puxdtase was made In your home slate orwithin 100 miles of your mailing address. (if we own or operate the merchant, or Q we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amoral or location of purchase.) Payments. Send only your payment and the top portion of this statement in it* envelope provided. Do not send cash. By sending your Check as described above, you authorize us to use information on your check to make an electronic Mud transfer from yew account at the financial insfitudw Indicated on your check or to process the payment as a check transaction. It payment is processed as an eledrortre bid transfer, the transter wA be for the amour of the check. When we use inlonnatron from your dheck to make an electronic fund transfer, funds maybe withdrawn from you account as soon as the same day we receive your payment, and you will not receive your dhedk back from your (Handal ins itudon. The processing of your payment maybe delayed t yo? send cash, correspondence or other items with your payment, 9 you send the payment to any other address or If you use an envelope other than the one provided. Payments received in proper form at our processing facility by SPM local time on any day wild be credted to your Account as of trot day. Payments - receive:: at our processing faclly after SPAd local tine will be credited lo your Account as of the next day. It you have yak , sendyourpa ant to Discover. PO BO)e 6105, tia Stream. ILWIV-$103. please aUoiv 7-111 crayi (ail dA iaiy, If yoiu payinefii 1s retunnedunpairl.-we resem=rtg N Co r bm `A as an ddecfrmtc deft You can pay your minimum payment or a greater amo nt of ttte telephone, and you can set up ou lomalc payments. Cal us at t-800.347-2583. You will need this statement and your bank account information. You must ensure that sufident Ards are availialble in your bank account, and all transactors must comply with U.S. law. YYou will be asked to provide the first! 5 digits of you amount sWAmerd ZIP code. By entering those numbers as your okW* agiodire, you will be agreeing to this authorization to allow us and your ban k to deduct each; payment you authorize from you bank account, and to initiate debit or credit entries to your bank account as applicable to correct an error in the processing of such payment You must! tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statemenL You can conncel a payment, however we must receive notice at feast tree business days in advance of the scheduled payment. You may ratify us by plane at 1-800-347-2663 or by mat at the address listed in the previous paragraph. if your payments may very in amount, well del you on each monthly statement when your payment Abe made and how much it oil be. YourAudomadc payment amount ; may be fens than indicated on the monthly statement based on credtS or payments applied during the billing cycle. Credit Reporting. We may report information about yar account to credit bureaus. Late payments, missed payments, or outer defaults on your accord may be reflected in your credit; report. We normally report Ore status and payment Idelory of your Account to credit reporting agencies each month. 9 you breve (hat or repel is inamunde or incomplete, please write us at the following address: Discover. PO Burk 15316. WRlmington, DE 198505316. Please include your name, address, home telephone number and Account comber. Periodic Finance Charges. Except as provided below, we will Impose Periods France Charges on Purchases, cash advances. and balance transfers beginning with tla dale the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and dash advances made on or prior to the last day of your biting period ending durig February 1993 or Reserve Lane balances. You can avoid payment of Periodic Finance Charges on new purchases t you pay the New Balance shown on the biting statement on which the purchase find appears by the Payment Due Dad, and the Payments and Credits on the stalemoa equal or exceed your Previous Balance, We cal this 0*'grace padod•, You do rat have a grace period on balance transfers or cosh advances. Periodic Finance Charges are imposed on new balance transfers and cash advances begWrlg with the date the transaction occurs. Pe Wic Finance amp aka imposed on all transactions and Old Balances until the date of repayment. Repayrnent means payment of your entire New Balance. However, N you fay the New Balance shown on this tilling statement by the Payment Due Dale, and the Payments and Credits shown on Ws statement equal or exceed the Previous Balance, we wit not impose Pub* France Charges an new purchases, that is, purchases first appearing on this slatxrherht if yowAocantwas dosed as of September 21, you Can avoid payment of Periodic France Charges If you pay the New Balance shown on fns Statement by the Paymem Due Dale and the Payments and Credits on this statement equal or exceed your Previous Balance. Othwwis% you wA receive a bang statement next month that Includes Pedodie Finance Charges imposed until the date of repayment We compute Periodic France Charges each day for purchases, dash adverces, balarce transfers and Old Balances (which we refer to as transaction cotegorlas) by uskhg the fotbwinng equ:ation.Average.DaltXBalance.xnumbetofdays.iafhe.heftg.pedrexDaly.PrdQ*Rate. (ftefer)athelmanoeshatgesufnm ry-on-thefiont of youratatemeatfortlheselirtteirA)_.. Then we add all the Periodic Finance Charges for each trarsacton category to get the total Periodic France Charges for your AkxxmnL The Average Daly Balance's shown as 0 if no Periodic France Charges apply to the balance in a transaction category. We use the Average Daly Balance (including new transactions) method of calculating the balance upon w*b we impose Period's France Charges. We compute the average daily balance for each transaction category by adding up all the dally balances Ina biting period fore transaction category end dividing the total by the number of days in the biting cycle. We compule the daily balance for each transaction category on each day by first addling the following to the previous day's daily balance: transactions made that day, fees dargad that day, and Periodic Finance Charges accrued on the previous day's daly balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category an that day. Old Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in to daily balance transfer transaction category. Balance hansfers that were subject to an hiial specW rate that has been terminated due to a late payment are also Included in the category until the special rate otherwise would have expired. In calculating the dally balance of the balance transfer transaction category on the (mat day of the billing period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category! Al fees charged to you Account are added th the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer bansaclort category. If a transaction made in a previous billing period is itemized on this statement, we consider the transaction date to be the first day of the current billing period when we calculate you Periodic Finance Charges. For MD (telecommunications Device for the Deaf) assistance, cat t-800947-7449. Discover may monitor and!or record telephone cats between you and Discover representatives for quality assurance purposes. The DiscoverO card is issued by Discover Bank, Member FDIC. A"I /Z' <uua Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amoun} of $464.19. 23 SDSN6A02 0025622 MORRISON, SHARON L 243 MEALS OR CARLISLE PA 17015-3183 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. Leam more at discovercom/paperless. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618254696102054641'900180000011000 -----.._..---------_--- ---- - ------------......-._ ?----------- - 'Discover Platinum Card Account Summary Closing Date: Mach 23, 2005 Pagel of 2 P ccount number ending in 2472 Previous Balance $5,588.38 Payment Due Date April 22, 2005 Payments And Credits 180.00 Minimum Payment Due $110.00 Purchases + 0.00 ,Credit limit $5,000.00 Cosh Advances + 0.00 ;Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Finance Charges + 55.81 'Cash Credit Available $0.00 New Balance $5,464.19 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Banuse Opening Cashback Bonus Balance $ 11.12 New Coshback Bonus This Period + 0.00 Cashback Bonus Balance $ 11.12 -CashbackBonus&Anniversa ------------------------------------------------- ---------------------------------- Month: August Keep usingg your Discover(R) Card and watch .your Cashtback Bonus(R) award growl Remember, once your Cashback Bonus :award is at least $20, you can redeem ycwr award by calling us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1 • Visit Discover co n to pay yow b?9f for no cost, view your krtest Account information, earn and redeem rewards and more tits S your choice - 3 ways to help 2. Call 1-800 DISCOVER (347-2683) For fast, easy se1F4ervice :Please have your Discover Card available, options or to speak with a Customer Service Account Manager 3. Write us at Discover Card PO Box 309.43 For TDD (assistance for hearing impaired) see reverse side , , Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Past Dens Dale ? ayments and Credits Mar 22 Mar 22 PAYMENT- THANK YOU $ .180,00 ,information For You ;While we are permitted under the Gardmember Agreement to increase the APRs on your Account because your Account was overlimit, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. We reserve the right to increase the APRs on your Account if, as of the class of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Default Rate Plan section of the Cordmember Agreement for details. Papereess statements can jumpstart your spring cleaning) Cast rid of the excess paper in your life by receiving your Discover(R) Card statements online instead of by mail. You'll get an e-mail letting you know when your statement is ready to view online. You can even pay your bill online while you're there. Go to Discovercard.com to sign up. ------------ ----- Important Information. If there is more than one page to this billing statement, seethe back of each page for additional important information. I v See your CardmemberAgreement. Your CardmemberAgreement contains all the terns of your Account. ce Z Lost or stolen cards. Report irxnediateiyl Call 1.800.347.2683. 8if ng Rights Summary. to Case of Errors or Questions About Your Bill: If you think your bg it wrong, or if you need more information about a transaction on your bill, write us on a , separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear from you no later then 60 days site we sent you the fist bill on which the error or problem appeared. You can telephone us, but doing so wit not preserve your rights. In your letter, give us the following in Lion: • Your name and Account number. The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the hem you are unsure about. You do not have to pay any amount in question while we are investiga ft but you are still obligated to pay the parts of your bit that are not In question. While we investigate your question, we carwxA report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Purchases: if you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the good or services. You have the protection only when the pochase price was more than $50 and the purchase was made in your home state err within 100 miles of your mailing address. (If we own or operate the merchant, or K we mailed you the advertisement for the goods or services, at purchases are covered regardless of the amount or location of purchase.) Paymerds. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your chedc as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the timmial Institution indicated on your check or to process Bite payment as a deck transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use Wwnatah from your check to make an eledronde fund transfer, funds may be withdrawn from you account as soon as the some day we receive your payment, and you will not receive your check back from your financial Witation. The processing of your payment may be delayed 9 you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facilty by 5PM local time on any day wil be credited to your Account et of Met day. Payments _received at our procrm'w moty eher 5W local Untie will be credited loyour_Account _as of the next day. Ify_o i hays misQlau d ycxr , sendyourpayment to Discover-, PO Box _ rem 6103, Carol Stream, IL 60197.6103. Please aNOw 7-10 days for delivery it your payment is returned hinpaiki, we reserve me night to tl as an efedroiuc de6il: You can pay your minimum payment or a greater amount of the telephone, and you can set up automatic payments. Cat us at 1.800-347-2663. You will need this statement and your bank account information. You must ensure that sutddent funds are available in your bank account, and at transactions must comply with U.S. law. You will be asked to provide the first 5 dgits of your account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorbilon to atav us and your bank to deduct each payment you autodze from you bank account, and to initiate debit or credit entries to your bank acoourt, as applicable to correct an error in the processing of such payment You mush tell us the amount o (each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive nofice at least three business days in advance of the scheduled payment You may notify us by phone at 1-8W97-2683 or by mail at the address fisted in the pry paragraph. if your payments may vary in amount, we ill let you on each nantfrfy stakment when your payment will be made and hex much t will be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report intamatan about your account to credo bureaus. Late payments, missed payments, or other defaults on your account may be reflected In your credit report. We normally report the status and payment history of your Account to credit reporting agendas each mach. tyou believe that our repot is ram-ale or incomplete, please write us at the Mowing address: Discover, PO Box 1$316, i irningbn DE 198505316. Please Ihdude your name, address, home telephone number and Account: number. Periodic Finance Charges. Except as provided below we will impose Periodic Finance Charges on purchases, cash advances, and balance transfers beginning with the date the transaction occurs until Ole date of repayment and on Old Bees until the date of repayment Old Balances are comprised of rythr purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Lune balances. You can avoid payment of Periodic Finance Charges on new purchases h you pay the New Balance shown on the burg statement on which the purchase fret appears by the Payment Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We cat this tte'grace period. You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and rash advances beginning with the date the transaction occurs. Periodic Finance Charges are Imposed on at transactions and Old Balances until the date of repayment. Repayment means payment of your entire New Balence. However, if you pay the New Batence shorn on this billing statement by the Payment Due Date. and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not Impose Periodic Finance Charges on new purchases, that is, purchases flat appearing on this statement. If your Amount was dosed as of September 27,1999, you can avoid payment of Periodic Finance Charges I you pay the New Balance shown on this Statement by the Payment Due Date and the Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise, you will receive a bu2sg statement next month that includes Periodic Finance Charges imposed urgt the date of repayment. Vie compte Periodic Finance Charges each day fa purchases. cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the folhving c•«Jio=-atagrDatyftaoceaknumber.ofrizyss>hhdl9ng-0etiod; [adyP^?rbdt?Rata (Qefattithe, finance, chargesunirniryoatheficot.ofygxstatement fortlhesiLairr ntsi _- fhen we add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account The Average Daly Balance is shown as 0 d no'. Periodic Finance Charges apply to the balance in a transaction category. We use theAverage Daly Balance (including new transactor) 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 ail the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing cycle. We compute the daily balance for each trareacton category on each day by first adding the following to the previous day's daily balance: transacions made that day, 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 are applied against the balance of the transaction category on that day. Old Balances are excluded from the balance of the purchase and rash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in tike daily balance transfer transactor category. Balance transfers that were su*,d to an initial special rate that has been terminated due to a late payment are also included in the category urrol the initial special rate otherwise would have expired. In calculating the dairy balance of the balance transfer transaction category on the ikst day of the billig period, we skbtrad the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. At fees charged to yourAccount are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Changes which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. 9 a transaction made In a previous billing period is Itemized on this statement, we consider the transaction date to be the first day of the current billing period when we calculate your Periodic Finance Charges. For TOD (Telecommunications Device for the Deaf) assistance, call 1.600.347.7449. Discover may monitor andfor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover' card is issued by Discover Bank. bfember FDIC. 23 SDSN6A02 0025623 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 may zr, ;fuun Piease make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the month)y minimum payment plus the ovedimit amount of $344.67. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercoWpaperless. PO BOX 71084 Illnrllnurlrlnllnlrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (1nl1l1tilrtl111l1[fill lilli1fill Itell IIitIIIIIIoil11111611111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001486618254696102053446700180000010700 Discover Platinum Card Account Summary Closing Date: April 23, 2005 page 1 of 2 Account number ending in 2472 Previous Balance $5,464.19 ;Payment Due Date May 22, 2005 Payments And Credits 180.00 Minimum Payment Due $107.00 Purchases + 0.00 ;Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 !Cash Credit Limit $2,500.00 Finance Charges + 60A8 !Cash Credit Available $0.00 New Balance $5,344.67 You may be able to avoid Periodic Finance Charges, no the ! reverse side For details. ! Cashback Banes Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashbaclc Bonus Balance $ 11.12 -Cashbaclc Bonos®-Anniver --------- ------------------------------------------------------------ Month: August !Keep usi your Discover(R) Card and watch !your CashI ck Bonus(R) award growl !Remember, once your Cashback Bonus d i l !awar s at east $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 Discover corn to pay your bill fair no cost, view your latest Account information, earn and redeem towards an sad more It's your choice - 3 ways to help 2. Call 1.8004DISCOVER (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 Cord, PO Box 30943, Solt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post ! Date Date ;Payments and Credits Apr 22 Apr 22 PAYMENT - THANK YOU $ -180.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your Account was ioverlimit, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on -purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. We reserve the right to increase the APRs on your Account IF, as of the dose of a billing -period, your outstanding Account balance exceeds your Account credit limit. See the Default Rate Plan section of the ;Cardmember Agreement for details. FREE Additional Cards for your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close to you to help with daily shopping and errands and to use as credit resource in case of emergency. Call 1.800-DISCOVER or visit Discovercard.com/AdditionaiCards today. Important Information, If there is more than one page to this bidmg statement, see the back of each page for additional important information. See your CardmemberAgreement. Your CardmemberAgreement contains all (he terms of your Account Lost or stolen cards. Report immediateil Cal i4lW347-25113. Billing Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bid is wrong, or if you need more information about a transaction on your till, write us on a separate sheet of paper at Discover, PO Box 30421, Sall Lake City, UT 84130-04 21, as soon as possible. We must (tear from you no later than 60 days after we sent you the firsi bid on which the error or problem appeared. You can telephone us, boil doing so will not preserve your rights. In your letter, give us the following information: You name and Account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more kmformaGan, describe the item you are unsure about. You do not have to pay any amount In question white we are investigating, but you are still obligated to pay the parts of your bill drat are not in question. Me we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question, Special We for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the good or services. You have the protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (if we ow or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top potion of this statement in the envelope provided. Do not send cash. By sending your deck as destxibed above, you authorize us to ! use information on your check to make an eledrooic lund transfer from your so= rd at the fYnsfaal Institution Indicated on your deck or to process the payment as a check tnansacioi. If payment is processed as an electronic fund transfer, the transferwill be for the amount of the check. When we use information from your creek to make an eledroMc flood transfer, funds may be wilhdrawm from you akxaint as soon as the same day we receive your payment, and you will not receive you check bad from your financial Osdtudon. The processing of your payment may be delayed N you send rash, conesponderice or other items with your payment, I you send the papnent to any other address or if you use an envelope other than the one provided. Payments received in proper form at o rprocessi g taeillty by 5PM local 6vne on any day will be credited to your A=urd as of that day. Payments - _ received at our proces::K:h fedCty after 5M local time will be credited toyotr Accouttas of the next day. If you have misplaced r emef?e, send your parrot to Discover, PC Box' V 1b3, Caio(Stieam; It f> 197 fi 0'i: Please atow7 i6ofays fa defrreiy. t ykitu payment is reKxned ' ire resive ffhe' ngnt _ to resk?- 1 millarm ei dr&i deb You can pay your minimum payment or a greater amount of the telephone, and you can setup submmatic payments. Cad us at 11400347-2883. You will need this statement and your bar* account information. You must ensure that v0scient kods are avaulabie in your bank amount, and all trarsaotikns must comply whom U.S. law. You will be asked to provide the first! 5 digits of your amount statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to dhts authorization to allow us and your bank to deduct each payment you authorize from you bank account, and to Initiate debit or credit entries to your bank amount, as applicable to correct an error in the processing of such payment You must; tell us the amount of eadh payment, or you can soled an amount such as the M nImum Payment Due or the New Balance on each statement You can cancel a payment. however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1400.347.2683 or by man at the address bled in the previous ' paragraph. If your payments may vary in amount, we it fell you on each monthly statement when your payment wit be made and how much it will be. Your Automatic payment amount may be less than Indicated on the mor" statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report indonnation about your account to credit bureaus. Late payments, missed payments, or other defaults on you account may be reflected in your credit! report. We norm* report the status and payment history of your Account to credit reporting agencies each month. It you believe that our repot is inacoWe or Incomplete, please write us at the Wowing address: Discover, PC Box 15316, Wtmiq$m DE 196606318. Ploose include your name, address, hone Wepho ne number and Account number. Periodic Finance Charges, Except as provided below, we will krpose Periodic Finance Charges on purchases, cash advances, and balance transfers beglmkkg with die date the transaction occurs urd the date of repayment and on Old Balances until Ate data of repayment Old Balances are comprised ohf eiASr purchases and cash advances made on or prior to the lasf day of your biting period ending during February 1993 or Reserve Lone balances. You can avoid payment of Periodic Finance Charges on new purchases Iyou pay the New Balance shown on the WIN stateaent on whidt the purchase first appears by the Payment Due Date, and the Payments and Credits on the slate nekt equal or exceed your Previous Balance. We call this the grew period'. You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beginning with the date the Inumacion oocxhrs. Periods Firnance am" we imposed on at transecdaus and Old Balances unlit the dale of repayment Repayment means payment of your entire New Balance. However, d you pay ; the New Balance sham on this billing Moment by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the previous Balance, we will not ; irnpose Periodic of Periodic Fins?Fkmarhoe Charges on new purchases. chat is, purchases first appearing on this statement If yourAccaMwas Closed as of September 27,1999, you can avoid payment Charges you pay the New balance shown on this Sialarnent by the Paymau Due Date and the Peymerls and Credits on this statement equal or exceed your Previous Balance. Otherwise. you will receive a txAirg statement nod main Iihal includes Periodic Finance Charges Imposed until the date of repayment. We cernpute Periodic France C hwW each day for purchases. cash advances, balance translas and Old Balances (whidn we refer to as transaction raWgwM) by using the folio&h _estuualion:Ayerage a*. Dowice. x numbe[ of daYSf! &'flth9 vdW x Dakl-Wo* sate. (BgiwAft 9hatSS.w>4nd1Cg0 ihC JMLc( Y9SBAlorwiJu 1l>gsg mris y Then we add all the Periodic Finance Charges foreadh transaction category to get the bial Periodic Finance Charges for your Account The Average Daly Balance is shown as 0 if no Periodic Finance Charges apply to the balance In a transaction category, We use the Average Deity Balwoe (Including new trarsacdaos) meted of calculating the balance upon which we impose Periodic Finance Charges. We compute the average daily balance fore each transaction category byadding up at the daily balances in a bli ng period for a transaction category and dividing the total by the number of days in the biting cycle. We oonpkte the daily balance for each transaction category an each day by tint adding the following to the previous days dally balance: transactions made that day, fees denied that day, and Periodic Finance Charges accrued on the previous days daily balance: and by tan subtradkhg any credits and payments that are applied against the balance of the transaction category on that day. Old Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are kalded in the daily balance transfer transaction category. Balance transfers that were subject to an opal special rate that has been terminated due to a late payment are also included in the category until the Initial special rate otherwise would have expired. In eftlating the dally balance of the balance transfer transaction category on the first day of the KM period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. Al fees charged b your Arxourht are added to the purttrese Varsaciori category with the excepdon of Cash Advanee Transaction Fee Finance Charges whk3n are added lo the psh advance trensaklon category and Balance Trarater Trensaction Fee Finaroce Charges xihich are added b the balarhce transfer transaction category. If a iransactiorm made in a previous. bldg period is itemized on ills statamtent we consider the transaction date to be the fast day of the ourrrent hlitrg period when we calalate your Periodic Finance t2harges. For MD (Teleeommwmicatons Device for the Deaf) assistance, call 130D-347.7449. Dmcovar may monitor and/or record telephone cats between you and Discover representatives for quality assurance purposes. The Dliscoveficard is issued by DiscoverBano. Member FDIC. 23 SDSN6A02 0025624 MORRISON, SHARON L 243 MEALS OR CARLISLE PA 17015-3183 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. 000001986618254696102052219000180000010500 ......... ------------...... Discover Platinum Card Account Summary -------- dosing Date: May 23, 2005 page 1 of 2 Account number ending in 2472 Previous Balance $5,344.67 ,Payment Due Date June 22, 2005 Payments And Credits 180.00 Minimum Payment Due $105.00 Purchases + 0.00 .Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 57.23 ,Cash Credit Available $0.00 New Balance $5,221.90 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + Q.00 Cashback Bonus Balance 11.12 -tashback- BmusWAnnivensary- ---------------------------------------------------------------------- Month: August Keep usingg your Discover(R) Card and watch your Coshback Bonus(R) award growl Remember, once oouur Coshback Bonus award is at least yy 120, you can redeem your award by calling us or by logging info the Account Center at Discovercard.com. How Can We Help You? I • Visit Diseovercom to pay your 611 For no cost, view your latest Account information, earn and redeem rewards and more 'It's your choice - 3 ways to help 2. Call 1-SMI)ISCOVER (347-2683) for fast, easy selfservice d available. options or to speak with a Customer Service Account Manager Please have your Discover Car 3 for TDD (assistance for hearing we reverse side . Write us at Discover Card, PO Box 30943, impaired) Sak lake City, UT 84130 . Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Payments and Credits May 22 May 22 PAYMENT - THANK YOU $ -180.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your Account was overlimit, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. We reserve the right to increase the APRs on your Account if, as-of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Defouk Rate Plan section of the Cardmember Agreement for details. The Discover(R) Gift Card is a festive, prepaid card that works just like a credit card - at malls, online and most everywhere the Discover Card is welcomed. The Discover Gift Card is the perfect gift for everyone and every occasion, so your gift-giving possibilities are endless. And think of the time you'll save shopping and gift-wrapping. Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $221.40. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.conrlpaperless. June ZZ, 21.11.13 PO BOX 71084 I11 urllnrrrlrlnllr1 11 1 11 CHARLOTTE NC 28272-3084 l11I1Il11l911111111111aIIIIIIIIIliIlia IIIIlia llith11r1l1l11ll I Important Information. If there is more than one page to this bluing statement, seethe back of each page for addliitionat important information. See your Cardmember Agreement Your Car*nernberAgmement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1.800-347-2583, Bill ft Rights Summary. In Case of Errors or Questions About Your &ll: if you Oft your bill is wrong, or 9 you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Sall Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after the sent you the fast bill on which the error or problem appeared. You can telephone ms, but doing so will not preserve your rigltls. In your letter, give us the following iniirmation: Your name and Account number. The dollar amount of the suspected error. • Describe the am and explain. it you can, why you believe there is an error. If you need more ini rmation, describe the item you are unsure about. You do not have to pay any amount in question while we are irrvestigatirg, but you are still obligated to pay Sue parts of your bill that are not in question. Me we investigate your question, we cannot report you as delinquent ortake any action to collect Ore amount you question. Special Rule for CroM Cud Purchases: If you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good fath to correct the problem with the merchiK you may not have to pay the remaining amount due on the good or services. You have the protection only when the purchase price was more than $50 . and fine purchase was made n your home stale a w Dot 100 miss of your mar'ki'ng address. (t we own or operate the merchant, or 4 we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do rat send rash. By sending your died as described above, you authorize us to use information on your check to make an efarirortic fund transfer from your account at the financial institution indicated on your check or to process the paymtent as a chock transact im. d payment is processed as an elemonk fund transfer, the transfer will be for the amount of the check. When we use intormatkrrr from your check to make an electronic fund transter, funds may be withdraw from you account as soon as the some day we receive your payment, and you will not receive your cthedc back from your financial Institution. The processing of your payment may be delayed N you send cash, correspondence or other terns With your payment, if you send the payment to any other a ftess or H you use an envelope other than the one provided. Payments received In proper form at our prooessng facility by 5PM local time on any day will be aedrted to yourAcmrit as of that day. Payments received at our process lac' after 5PM local time will he credited to yau Account as of the next day. If you have misplaced your envelope, send your payment to Discover. ' -received L'aiof Stiearn,'iC' 11.6 63: geese illicit=i6da ' foi de6v fl - - r -' cent is retuneduai ys cry you payr per, we reserve kite r ght fo rese6mittTas an efection? decd. You can pay your minimum payment or a greater amount of the telethon, and you can setup automatic payments. Cal us at 1-800-347-2563. You will need ft statement and your bank account information. You roust ensure that sufficient funds are available in your bank account, and all transactions must comply tvlth U.S. law. Your will be asked to provide the first: 5 digits of your account statement ZIP code. By ending those rwmbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank lo deduct each payment you authorize from you hank amount, and to initiate debit or credit entries to your bank account, as applicable to correct an error In the processing of such payment You must tell us the amount or each payment, or you can select an amount such as the Mrilmum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at feast three business days in advance of the scheduled payment You may notify us by plane at 1.800347-2683 or by mail at the address fisted in the previous paragraph. If your payments may vary in amount, we 11 tell you on each monthly statement when your payment will be made and how much it VA be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied ding the biting cycle. Credit Reporting. We may report Wommaton abet your account to credit bureaus. Late payments, missed payments, or other defaults on your amount may be refused In your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. 0 you believe that our report is Inaccurate or moo m plete, please write us at the loRm ig address: Discover, PO Box 15316, Mmingbn. DE 198505316. Please hdude your name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below. we will impose Periodic Finance Charges on purchases, cash advances, and balance transfers beginning with the date the transaction occurs unit the data of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and each advances made on or prior to the lest day of your billing period ending during February 1993 at Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases 9 you pay the New Balance shown on the bdirrg statement on which the poxhase first appears by the Payment Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We call this the 'grace period'. You do not have a grace period on balance transfers or cash advances. Pebdk Finance Charges are imposed on new balance transfers and cash advances beginningg with the date the transaction occurs. Periodic Fierce Charges are Imposed on at transactions and Old Reform until the date of repayment. Repayment means payment of your erdke New Balance. However, N you pay the New BMm= shown on fthis bung statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appeaa ft on this statement. If your Account was closed as of Sepl rnber 2i',1999, you can avoid payment of Periodic Finance Charges t you pay the Now Balance shown on this Statement by the Payment Due Data and the Payments and Credits on Ors statement equal or exceed your Previous Balance. Otherwise, you will receive a billing statement next month that includes Periodic France Charges Imposed until the date of repayment We compute Periodic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as tretsaction categories) by uskg the fallowing ec our n Average flaily Batvice-xnmrabar nt days in d a x?ng-0etind c Ilaiy PeriaAcRate.(f3eler.to line. inance ciharge sureroary?athe front of your slalermwnt loiftne_8mmts) - - The n we add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daly Balance is shrnrm as 0 if no Periodic France Charges apply to the balance in a transaction category. We use the Average Daly Balance (InCtudng new transactions) medad Of calc latin8 da balance upon which we impose Periodic Rnance Charges. We compute the average daily balance for each transaction cafegoryr by adding up at the daily balances in a filling period for a transaction category arid dividing the total by the number of days in the brig tyke. We compute the daily balance for each transaction category on each day by first adding the MoMM to the previous days daily balance,. traruadlom made that day, fees charged that day, and Periodic Finance Charges accrued on the previous days daily balance; and by than subtracting any credits and payments that are applied against the balance of the transaction category on that day. Old Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are indu4tid in the daily balance transfer transaction category. Balance transfers that were subject to an initial special rate that has been lenlnated due to a late payment are also included in the category until the initial special rate otherwise would have expired. In calculating the daily balance of the balance transfer transaction cntegory on the first day of the billing period, we subtract the repaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. All fees charged to yourAoceuet are added to the purchase transaction category with the exception of Cash Advance Trarnsadom Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. t a transaction made in a previous billing period is itemized our this statement, we consider the transaction date to be the lest day of the current billing period when we cakwiate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deal) assistance, call 1400-347.7449. Discover may monitor ardor record telephone calls between you and Discover representatives for quality assurance purposes. Th. n«,.,.-.... m i.;-_i h,,, n;,,.,,,b. rr?n4 u-„ - Gorr 23 SDSN6A02 0025625 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. 000001986618254696102050997000180000010200 Discover Platinum Card Account Summary Closing Date: June 23, 2005 page I of 2 Account number ending in 2472 Previous Balance $5,221.90 Payment Due Date July 22, 2005 Payments And Credits 180.00 ;Minimum Payment Due $102.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finance Charges + 57.80 Cash Credit Available $0.00 New Balance $5,099.70 You may be able to avoid Periodic Finance Charges, we the reverse side for details. i Cashback &muse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period 0.00 Cashback Bonus Balance $ 11.12 - - - - - - - ,CmsW=k-Bonos®-Anniversrny- - - - - - - - - ---------------------------------------- - - - - - - --------------------- ;Month: August 'Keep using your Discover(R) Card and watch 'your Cash back Bonus(R) award growl }Remember, once your Cashback Bonus 0 d d is at least $2 , you can re eem your awar award by calling us or by logging into the Account Center at Discovercard.com. ;How Can We Help You? I . vi:it Discover.com to pay year bill for no cost, view your latest Account information, earn and redeem rew s and more 'it's your choice - 3 ways to help 2. Call 1-8MDISCOVER (347-2683) for fast, easy self wrvice 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, Ifor TDD (oseniance for hearing impaired) see reverse side Salt Lake City, UT 84130 ;Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Payments and Credits Jun 22 Jun 22 PAYMENT - THANK YOU $ -180.00 ,Information For You iwhile we are permitted under the Cardmember Agreement to increase the APRs on your Account because your Account was !overlimit, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on ,purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. We reserve the right to increase the APRs on your Account if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the DeFault Rate Plan section of the ,Cardmember Agreement for details. !Now you can save up to 50% on health care by becoming a PlcmPlus(SM) member. PlanPlus is not insurance and provides discounts on health care products and services. PlonPlus can be used with your insurance plan For even greater savings. For information on this valuable membership program, visit Discovercord.com/PlanPlus or call 1-800527-7783. July 22, ZVVb Please make check payable to Discover Platinum Card. You are overlimit, Pay the sum of the monthly minimum payment plus the overlimit amount of $99.70. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover corntpaperless. PO BOX 71084 IIIurllu.ulJnllulrlrl CHARLOTTE NC 28272-1084 1rn1?11?r1???lrlt??rlnnlnl???1111?r?lnri?rl??ll??lt?l?rl?l??l! Important Information. If there is more than one page to this billing statement, see the back of each page for additional important infamatlon. See your CardmemberAgreement. Your Cardmember Agreement contains all the terms or yourActount, Lost or stolen cards. Report immediately! Call 1.800.347-2683. Billing Rights Summary. In Case of Errors or Questions About Your Bud: It you thktk your t>B is wrong, or t you need more i fbrmation about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no Facer then 60 days after we sent you the lust t A on which the error or problem appeared. You can telephone us, but doing so will not preserve your tights. In your letter, give us the fallowing information: • Your name and Account number. • The dollar amount of the suspected error. • Describe the emir and explain. W you can, why you believe there is an error. If you need more information, describe the item you are unsure about You do not have to pay any antouni in question while we are Investigating, but you are still obligated to pay the parts of your bill that are not in question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good faith to correct the problem with the merchant you may not have to pay the remaining amount due on the good or services. You have the protection onywhah the purchase price was more than $50 ! and the purchase was made in your home state or within 100 miles of your malting address. (If we on or operate the merchant, or Nwe mated you the adverhement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use irdamation on your check to make an electronic fund transfer from you account at the financial institution indicated on your chock or to process the payment as a check transaction. t payment is processed as an eWctronic Nand transfer, the transfer will be for the anmuht of the check. When we use information Nom your chedc to make an eWm* fund transfer, funds may be withdrew from you account as soon as the some day we receive your payment, and you will not receive your check bads from yourfiroviai hetthution. The processing of your payment may be delayed i you send casts, correspondence or other Rims with your payment, 9 you send the payment to any other address or If you use an envelope other than the one provided. Payments received in proper form at our processing feaft by 6PM local tine on any day will be credited to yourAooourt as of that day. Payment received at our processing faality after 5PM local Ume nil be credited to Your Account as of the next day. Ifyou misplaced yokr erhvelope. sendyourpayGment to bistover PO Box 6103, Carol Stream, IL 60497-8103. Please airoH 7-10 nags for delivery If yo r payment is rewrnet! unpaid, we reserve use r?ht k fesubmt d as an etedirorh? de if ----------- You can pay your minimum payment or a greater atroutt of the telephone, and you cat set up automatic payments. Cal us at 1400.347-2683. You will treed tits statement and your bank account information. You most ensure that suffic ent funds are avafable in your bank account, and all transactions must cornply walk U.S. taw. You will be asked to provide the first' 5 digits of your account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow tits and your bank to deduct each' payment you authorize from you bank account, and to initiate debit or crest entries to your bank account as applicable to correct an error in the processing of such payment You must; tell us the amount of each payment, or you can select an arrount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment, however we roust receive nonce at bast three business days in advance of the scheduled payment. You may nobly us by phone at 1.800.347-2683 or by teal at the address listed it the previous paragraph. If your payments may vary in amount, we tit tell you on each monthly statement when your payment will be made and how much it will be. Your Autamatc payment arnount may be less than indicated on the monthly statement based an credits or payments applied during the billing cycle. Credit Reporting. We may report idonnaoon about your account to credit bureaus. Late payments, missed paymeMS, or other defatilts on your account may be reflected in your credit; report. We normally report the status and payment History of your Account to credit reporting agencies each morth. N you believe that our report is inaccurate or hwnplete, please write us at the following addresr. Discover, PO Box 1$316. Wim'nglon, DE 19850-5316. Piem Include your name, address, hone telephone number and Account number. Periodic twee Charges. Except as provided below, we will Impose Periodic Fiance Charges on purchases, cash advances, and balance transfers beginning with Its date the transaction occurs until the date of repayment and on Old Balances until the dale of repayment. Oki Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending dying February 1993 or Reserve Line balances. You can avoid payment of Periodic Fnan a Charges on new purchases if you pay the New Balance Man on rte biting stelernent om which the purchase brst appears by the Payment Due Data, and the Payments and Credits on the statement equal or exceed you Previous Sam. We call tuts the 'grace period". You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance hamsters and cash advances beginning with the date the transaction occurs. Periodic France Charges are imposed on al transactions and Old Balances until the date of repayment, Repayment means payment of your entire New Balance, However, if you pay the New Balance sham on this biltinhg statement by the Payment Due Date, and the Payments and Credits shoim on this statement eqW or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on Utis st»terrhad. If your Accent was closed as of September 27,1999, you can avoid payment of Periodic Finance Charges t you pay the New Balance shown on this Statennent by the Paymert Due Dale and the Payrnens and Credits on tits statement equal or exceed your Previous Balance. Otuetwise, you will receive a billing statement next manta that includes Periodic Finance Charges imposed uhdl the date of repayment. We compute Periodic Finance Charges each day for pure duos. cash advances, balance transfers and Old Balances (which we refer to as transactim categories) by using the Wowing ch:Aterage.OMYBaance.xnumbecof ysathe-L-'r-percdxD,*JN,.ocRate.(RefermtbeJroanoechatgaUUVary.00 hettomLatyourstatemenifortbessao>oWIW..:_ Then we add all the Periodic Finance Charges for each transaction category to yet the total Periodic Franca Charges for yotrAccouhL The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daly Balance (including new transactions) mel od of calculating the balance upon which are impose Periodic Finance Charges. We compute the average daily balance for each transaction category by adding up all hue daily balances in a toiling period for a trartsactbn category and dividing the total by the number of days in One t>ilittg cycle. We compute the daily balance br each transaction category on each day by first adding the following to the previous day's dally balance: tnrsactiors made that day, fees charged that day. and Periodic Finance Charges accrued on the previous days daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. OW Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Fkrroe Charges are included in the daffy balance transfer transaction categuy. Balance transfers diet were subject to an initial special rate that has been terminated due to a late payment are . also included in the category until the initial special rate otherwise would have expired. In cs atng the daffy balance of the balance transfer transaction category on the fist day of the billing period, we subtract the unpaid balance of those Balance Transfer Transaction Fee France Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. All fees charged to yourAwmunt are added to the purchase transaction category with tae exception of Cash Advance Trarmcdon Fee Ffnance Charges which are added to to cash advance transacton category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction calegory. If a transaction made in a previous: billing period is itemized on this statement, we consider the transaction date to be the fist day of the current billing period when we cakwlabo your Periodic Finance Charges. For TOD (Telecommunications Device for the Deaf) assistance, tail 14I00.347.7449. Discover may manor andfor record telephone cats between you and Discover representatives for quality assurance purposes. The fliennrorb rorra ie icc,wA hu, flkem,wr Reno aAamhm Ffl!!` ' August 22, 2005 Please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. 23 SDSN6A02 0025626 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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 comJpaperiess. PO BOX 71084 111 11111 11111 CHARLOTTE NC 28272-1084 I11IrIltrlr1rlrllirtlrrlrltirllllrrilrrlrr11rllrrit illrl.11111 OOODD1986618254696102048720500180000009800 ............... ..... -..- ,Discover Platinum Card Account Summary ---------- Closing Date: July 23, 2005 page 1 of 1 'Account number ending in 2472 Previous Balance $5,099.70 ;Payment Due Date August 22, 2005 Payments And Credits 282.00 Minimum Payment Due $98.00 Purchases + 0.00 ;Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $127.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 54.35 ;Cash Credit Available $127.00 New Balance = $4,872.05 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 11.12 .CashbackBonusWAnniversary ------------------------------------------------------------------------------------ Month: August t Cashback BonUS(R) is America's #1 Cash ?Rewords Program( Full 5% Cashback Bonus :on Get More purchases throughout the year and up to-1 % Coshback Bonus on all your .other purchases. 'How Can We Help You? 1. Visit Discweir com to pay yarn bM for no cost, view our p 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 Bate Payments and Credits Jul 17 Jul 17 PAYMENT -THANK YOU $ .102.00 Jul 22 Jul 22 PAYMENT -THANK YOU -180.00 .Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE F FINANCE lances Rates RATES RATES c? CHARGES current billing period: 30 days !purchases $2542.40 0.03559% 12.99% F 12.99% $27.15 $0 Cash Advances $2547.87 0.03559% 12.99% F 12.99% $27.20 $0 Tka -f.. fh.+..nr,iv 4-- A-minn mro oiti.nr fiv&4 iFi of thAv mnv vnrv (VI /pt nritAell nlvnvu Important Information. If there is more than one page to this billing statement. seethe back of each page for additional important information. See your Cardmember Agreement Yor CardnemberAgreemerd aaitains all the terms of your Amilt. Lost or stolen cards. Report immediately! Call 1-M347.2683. Billing Rights Summary. In Case of Errors or QuestionsAbout Your OR If you W your big is wrong, or if you need more information about a transaction on your bib, write us on a separate sheet of paper at DMover, PO Box 30421, Salt Lake City, UT 8413.0421, as soon as possible. We must hear from you no later them 80 days after we sent you the first big on which the error or problem appeared. You can telephone us, but doing so A not preserve your rights. In your letter, give us the following information: • Your name and Account number. • The dollar anoint of the suspected error. • Describe the error and explain. If you can, why you believe there is an error. If you need more information, describe the gem you are unsure about. You do not its* to pay any amount in question whit we are investigating, but you are still obligated to pay the parts of your big that are not in question. While we kwfigate your question, we carrot report you as delerquent or take any arson to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good W h to correct the problem with the merchant, you may not have to pay the remaining arnotint due on the good or services. You have the proWon only when the purftn price was more ghan $50 and the purchase was made in your home stele or within 100 miles of your me" address. (If we own or operate the merchant, or t we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.( Payments. Send only your payment and the top potion of this "mud in tre envelope provided. Do not send cash. By sending your chock as described above, you authorize us to use dormaiorh on your checd to make an electrons kind transfer from your account at the firalhdal ahsttu8o? inxicaled on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, tie transfer wig be for the amount of the d**. When we use trdormaton from your chack to make an dedrbrdcfud hnster, kinds may be withdrawn from you account as soon as the same day we receive your payment, and you A root receive you check back from your financial ifsibdion. The processing of your payment maybe delayed i you send cash, carespahderae orother ins with your payment, N you send the payment to any other address or t you use an envelope other then the one provided. Payments received in proper form at our processing Willy by 6PM focal time on any day wit be cradled to your Account as of that day. Payments received at our proee faciil t after SPPA local time will be credited to ymAccount as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box ---- --- "-r- -- --- ---- - - Val u, 03, C2iof Ssream: IC 1914& tR i: Please a i6days fa Jefivery: t Yohr? piaymenl a rab -,r rhed hinpain . we ieserve pre 4 to resuhT as an efectrorvc debt: ------------ You can pay you minimum payment or a greater amount of the telephone, and you can set tip automatic payments. Call us at 1400-347-2683. You will need this statercant and your bards account information. You must eensum that sufficient kinds are available h you bank account, and all transactions must comply with U.S. law. You wig be asked to provide the first: 5 digits of you account statement ZIP code. By entering those rnurhbers as your electronic signature, you wllfi be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from you bank account, and to initiate debit or credit entries to your bank account, as applicable to correct an error In the processing of such payment You must tell us the amount of each payment, oryou can select an amount such as the Minimum Payment Dore or the New Balance on each statement You can cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment You may notify to by phone at 1480.347-2683 or by mail at ft address listed in the previous paragraph, t your payments may vary in amount, we IN tell you on each monthly statement when your payment vdt be made and how much it will be. Your Automatic payment amount may be less than inducted on the monthly statement based on credits or payments applied during the billing cycle. Credit RepoNng. We may report inbrmaton about your accent b credit bureaus. tats payments, missed payments, or other defaults on your aaxxnt may be rallected In your credit report. ifye normally report the states and payment history of you Account to credit reporting agerhdes each month. It you believe M our repot is irmco rate or rocr plete, cease write us at the fofiowing address; Discover, PO Box 153% Wfiminglon, DE 1965.5318. Phase ihdude your name, address, tame Wepfhone number and Accourd number. Periodic Finance Chagas. Except as provided below we will impose Periodic Finance Charges on purchases, cash advances. and balance transfers beginning with the date the transaction occurs uAi the date of repayment and on Old Balances and the date of repaymett.Old Balances are comprised of either purchases and cash advances made on or prior to the last day of you tilling period ending &ft Febnuary 1993 or Reserve Line balances. You can avoid paym r4 of Periodic France Charges on new purchases rT you pay the New Balance shown on ft baling stalem ant on which tie puchase fast appears by the Payment Due Date, and the Payments and Credits on the statement equal or exceed you Prehvbus Balance. We cat this the 'grace period'. You do not have a grace period on balance transfers or cash advances. Periodic Fiance Charges are imposed on raw balance tasters and cash advances beginning with the date the transaction ooara, Periodic Finance Charges are imposed on all transactions and Old Salanroces u ti the date of repayment. Repayment means payment of your entire New Balance. However, 9 you pay the New Balance Own on this billing slafenherd by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we win not . impose Perb& France Charges on new purchases, that Is, purchases first appearing on this statement. If your Account was closed as of September 27, 190, you can avoid payment of Periodic Finance Oiarges t your pay pre New Balance shown on this Statement by pre Payment Due Dale and the Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise, you will receive a billing statement next month that includes periodic Finance Charges imposed until the date of repayment. We compute Periodic F nsm Charges each day for pure)kises. cash advances, balance transfers and Old Bakes (which we refer to as transaction calegorW) by using the following ew::: Averoge.Dagy Balance xrumber of days ir.the!r. Bt.G..p x,DiiY F'crWcRaj,#.?P et to f &wn d arge_sijmry 0ri ft. .01-your Witement toUw"low13 ) - - Then we add all foe Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for yourAccount The Average Daily Balance Is shown as 0 if no Penodie Finance Charges apply to the balance in a trahsac on category. We use the average Daily Balance (including new transactions) method of calculat" the balance upon which we depose Periodic Finance Charges, We oompAe the average daily balance for each transaction category by adding up all foe daily balances In a tilling period for a trasactioi category and dividing foe total by the number of days in the billing cycle. We compute the daily balance for each bar sec it category on each day by first adding the fofiovkhg to the previous days daily balance: harisaciors made that day, 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 are appied against the balance of the transaction category an dial day. Old Balances are excluded from the balance of the purchase and rash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are Irduded in the daffy balance transfer transaction category. Balance trarsters that were subject to an WM special rote that has been termkhaled dint ki a hate payment are also included in the category until the initial special rate otherwise would have expired. in calculating the dally balance of the balance transfer trannsactioh category on the first day of the bifng period, vie subtract the unpaid balm of those Balm Transfer Transaction Fee France Charges and balance transfers that become purchase fate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. All fees charged to you Account are added to the purchase transaction category with pre exception of Cash Advance Transaction Fee France Changes which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. If a transaction made in a previous bilig period is Itemized on fhis statement, we consider the transactor date to be the first day of the currant biting period when we calculate you Periodic Finance Charges. For TDD (reieconmdmicatons Device for the Deal) assistance, cat 1400.347.7449. Discover may mordtor and/or record telephone calls between you and Discover mpresenlatves for quality assurance purposes. September 22, 2005 Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 23 SDSN6A02 0025627 MORRI SON, SHARON L Go paperless and make your account information more secure with password- 243 MEALS DR protected statements only you can access. CARLISLE PA 17015-3183 Learn more at discover comlpaperiess. PO BOX 71084 I11 111 11 111111111 ?lrrlrl?l CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?lt?tlllllttt?#I?lltlttl?Irrr?ll?rrtl????t?t???t?lt?l??lrl?tll above, or go to Diacover.com. Print your e-mail address to receive important Account information and special offers. 000001986618254696102048258400100000009700 Discover Platinum Card Account Summary. Closing Date: August 23, 2005 page 1 of 2 Account number ending in 2472 Previous Balance $4,872.05 Payment Due Date September 22, 2005 Payments And Credits 100.00 Minimum Payment Due $97.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $174:00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges - + 53.79 Cash Credit Available $174.00 New Balance = $4,825.84 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11,12 New Cashback Bonus This Period + Q-00 Cashback Bonus Balance $ 11.12 Cushback-Bonus9-Anniversary --------------------------------------------------------------- Month: August 1. Visit Discover.corn to our bN for no cost, view our How Can We Help You? wry P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cali 1-800-DISCOVER (347.2683) for fast, easy selhservice 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 Dale Date Payments and Credits Aug 17 Aug 17 PAYMENT -THANK YOU $ -100.00 Information For You Discover Bank Money Market and CD Account rates consistently beat national averages)" View our rates at Discoverbank.aom, or call 1.804347.7000 to speak with an Account Manager. Open an Account today and mention code: SM0805M. Member FDIC. *Based on comparison of rates reported in a recent survey of financial institutions by BanxQuote.com. ------------- --------------------------._.. i i Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba nc Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2299.87 0.03559% 12.99% F 12.99% $25.37 $0 Cash Advances $2575.67 0.03559% . 12.99% F 12.99% $28.42 $0 The rM- tt,nt -6 to annr A--# nrm ni1{inr Huai /Fl nr fk- .r..rv ....... A/1 - ..-t.A .d.,...e Important Information. If there is more than ors page to this biting statement, we the back of each page for additional impottant information. See your Cardmember Agreement. Your CardmenuberAgreement dantaks all the term of your Account Lost or stolen cards. Report immediately! Call 1-800.347-2683. Billing Rights Summary. In Case of Errors or QuestionsAbout Yexr &11: If you thick your bill Is wrong, or If you need more information about a transaction on your bit, write us on a ' separate sheet of paper at Discover, PO Box 30421, Soft Lake City, UT 841304421, as soot as possible. We must has khan you no labrthan 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your ruts. In your letter, give us the fol owstg Idorma0on: •Yourrome andAcmunt number. • The dollar amount of the suspected emx. • Describe the erorand explain, if you can, why you believe there is an error. If you need more information, describe the Rem you are unsure about You do not have to pay any amount In question whie we are investigating, but you are sfill obligated tic pay the parts of year bill that are not in question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: t you have a problem with do quality of goods or services that you purchases with a credit cad, and you have tried in good faith to correct. the problem with the merchant, you may rat have to pay the remaining amount due on the good or services. You have Me protekmion only when Are purdnase price was more than $50! and the purchase was made in your home state or within 100 riles of your marbng address. (If we own of operate the mercharA, or If we malled you the advertisement for the goods or services, of purchases are covered regardless of the amount or location of purchase) Paymar?ts. Send only your payment and the lop portion of this statement In the envelope provided. Do rot send cash. By serkd'mg your d*& as described above, you authorize us to use infomratae on your check to make an electronic turd transfer from your account at the khan" Institution Idkeled on your check or to process the payment as a deck transaction. If payment is processed as an electronic Nord transfer, the transfer wA be for the amount of the check. When vie ties kdelmdm from pir check to make an esdrarie fund transfer, funds may be witl1dawn from you account as soon as the acne day we receive your payment, and you will not receive your check back torn your financial Institution. The processing of your payment may be delayed t you send cash, correspondence or olherile s with year peymeK If you send the payment to any other address or if you use an awdope other Akan the one provided. Payments received In proper format our processing facility by 5PM local time on any day will be aedled to yourAcmunl as of that day. Paymerits received at our proossm IaccR after 5PM local time will be credited loyourAccount as of the next day Y YOU have . - - - -your serdyar merit to Dscom PO Box 6103, Urot Stream. IL 60197.8103. Please s>row MI(I kiays fW&L .' 11 year payrrkeM r9 redaihki txipaid. we reserve right to iesu an deitrkirec deDB - ------ You can pay your drilmurn payment or a greater smount of the Weplone, and you can set up automats paperds. Cat us at 1800,947-2883. You wA need this statement and your bank account information. You must ensure that addernt tads are available in year bank acco A, and al trensadEma must comply with U.S. law. You ail be asked to provide the fat 5 digits of your account statement ZIP code. By entering those numbers as your electronic sigrnature, you will be agreeing to this authorization to slow us and your bx*to deduct each payment tel us the amouauthorize hm you bank account and to Infilate debit or cnidit entries to your bank account as applicable nt of each pays ant, or you can select arthount such as to M nimum Payment litre or ft Now Notice, to ocorrect an error In the processing n each sstatema t You can such cancel a paymment, tnasv of enL ho. You must r r we 'l must raw* notice at least three business days in advance of the scheduled payment You may nobly us by phone at 1400-347-2683 or by mall at the address fisted In the previous paragraph. If your payments may vary in amount, we ill kit you an each nanny statement whevn your payment will be made and how much it will be. Yotw Automatic payment amount may be less ton indicated on the monthly statement based on credits or payments applied during this bikg cycle. Credit Reporting. We may report Information about your accou tlo credit bureaus. Lob payments, missed payments, or other defaults on your account may be reflected In your credft report We normally report the status and payment ' of ymAcm nt to credit reporting each month. It you believe that o rrepat is Inaccurate or inoonpteb, please write us at the foloning adtess: Dsoovek; PO Box 1531, DE 19850-ti I% Please Include your cane, address, hone telephone number andAcauA mmmbsr. Periodic Finance Cherps. Except as provided below, we will Impose Periodic Finance Charges on purchases, cash advances, and balance transfers begknkg with the date the transaction occurs until the data of repayment and oh Old Balances undl the date of repayment, Old Balances are uhomprised of oft purchases and cash advances made on or prior to the fast day of your blkg period ending OAN February 1993 or Reserve Line balances. You an avoid payment of Periodic Finance Charges on new purchases Iyou pay the New Balance shown on the bb g statement on wyrch the purchase frst appears by the Payment Due Date, and the Payments and Creels an the statement equal or exceed your Previous Belarnce. We cl this the 'grace period'. You dorm have a grace period on balance transfers or cash advances. Periodic Finance Charges are Imposed on new balance transfers and cash advances beginning with the dale tike transadlor agars. Periodic Rnance Charges are imposed an al transadlons and Old Balances unit the date of repayment. Repayment means pa)mert of your entire New Beiace. However, if you pay' the New Balance shown on this billing statement by this Pa)mment Due Dab, and ire Payments and Credits shown on his stallonert egret of exceed the Previous Balance, fora VA not; impose Periodic F'banae Charges on new purchases. that is, purchases fast appearing on ids statement. If y=Aooardwas dosed as of September 27, you can avoid payment of Periodic Flnsnce Charges If you pay to New Balance shown on ids Statement by tike Payment Due Date and the Payments and Credits an this stale ent equal orexceed your - Previous Balance. Otherwise. you will receive a billing statement next month that includes Periodic Fiance Charges Imposed untl Are date of repayment. We compute Periodic Flharhde Charges each day forpurcheses, ash advances, balance trarWers and Old Balances (which we refer to as transaction categorles) by Iskhg the tolowkV egLvIioh: AverapD* Ba'ancex oumber.otdays in line bAng.period x 0a8yPabdicRate ?Beten to rho finance charge summaky-on the front ur statement n , we add all the Periodic fine= Charges for each transaction category to gel the total Periodic Finance Charges for Daily Balance nce for is is Ohoise awn trho as O 0 ff R no Periodic Finance Chagas apply to the balance in a transaction cola" Your Accourht. The Average Daly Balatnce Ova We use lheaverage Daly Balance (mcludag new bransactions) method of alcula" the balanceupon w hidh we impose Periodic Finaco Charges. Ws compile the average dally balance for each Vivisection ategay by adding up al the daily balances in a Ming period for a transaction category and duvrdag the total by the number of days in Ave biting cycle. We compute the daily balance for each transaction cafe" on each day by first adding the folovk>,q to the previous day's daily balance: transactions made that day, fees charged that day, and Periodic Finance Charges accrued on the previous days dally balance; and by then subtracting any credits and payments that are applied agairst the balance of the transaction alegayon that day. Old Balances are excluded flan the balance of the purchase and ash advance transaction categories. Special rate balance transfers and Balance Trenda Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were subject to an IrM special rate that has been terminated due to a to payrat are also included In to Caabgory until the inlid special no otherwise world have expired. In akusting the dally balance of the balance transfer transaction category on the kst day of the bBrg period, we subtract the unpaid balance of him Balance Trander Trensedion Fee Finance Charges and balance Irmsfers that beoome p irchase rate balance transfers on Omar day and we add that unpaid balance to the balance of the purchase transaction category. Al fees charged to your Account are added to the purohase transaction category with the enaxnglon of Cash Advance Ttamsactlah Fee Finance Charges which are added to Ave cash advance transaction cdegory and Batarae Transfer Transaddon Fee France Charges whidm are added to the balance transfer transaction category! ff a transaction made In a previous bilking period is itemized on this statement, we consider the tra sadtion date to be the first day of the current bitting period when we alcuiab your Periodic France Charges. For TDD (Telecommunications Device for the Deal) assistance, all I-M347-7449. may monitor and/or record telephone ale between you and Discover representatives for quality ass rarer purposes. October 22, 2005 Please make check payable to Discover Platinum Card or pay online @ Discoverccrd.com. 23 SDSN6A02 0025626 informapaperless and make your account MORRISON, SHARON L Go tion mation more more secure cure with h password- 243 MEALS DR protected statements only you can access. CARLISLE PA 17015-3183 Learn more at discover.comlpaperless. PO BOX 71084 1111111111111111&IIIIIIIIII CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Ii?lillulri?lilliiiliilrliullIrnlulnlullnl?elirlilr?ll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618254696102047790500100000009600 Discover Platinum Card Account Summary dosing Date: September 23, 2005 page 1 of 1 Account number ending in 2472 Previous Balance $4,825.84 Payment Due Date October 22, 2005 Payments And Credits 100.00 `Minimum Payment Due $96.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $220.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 53.21 Cash Credit Available $220.00 New Balance _ $4,779.05 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0,00 Cashback Bonus Balance 11.12 CashLsackBanus?Anniversa ------.---------------------------------------------------------------- Month: August Cashback Bonus(R) is America's #1 Cash Rewards Progroml 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 uiscowrcom to pay your 691 for no cost, view your latest Account information, gam and redeem re wards and more it's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347.2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, SnIF Lake City, UT 84130 i ;Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Sep 15 Sep 15 PAYMENT -THANK YOU $ -100.00 i i i 'Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHAkW 'current billing period: 31 days Purchases $2218.37 0.03559% 12.99% F 12.99% $24.48 $0 Cash Advances $2604.25 0.03559% 12.99% F 12.99% $28.73 $0 Tl- rn+sa +1,n+ -6 in .-,.r A,-...+ - vuh- liven IF1 -+i.e., - - N1 ..e ..-f.A ..t,-- -------------------------------- important information. U there is more than one page to this bill mg statement, seethe back of each page for additional important information. cn See your Cardmember Agreement. Yom Candmember Agreement contains all the terms of your Account z Lost or stolen cards. Report immodhaWyl Call I-MU7.2883. o Billing Rights Summary. In Case of Errors orOuesdons About Your Bill: Uyou think your big is wrong, or If you need more i form eft about a transacdon oh your bti write won a separate street of paper at Discover, PO Box 3D421, Salt Lake City, UT 841*D421, as soon as possible. We must hear from you no later then 60 days after we sent you the Tact bin on which the error or problem appeared. You can telephone us, but doing so will rd preserve your rights. In you letter, give us the Mowing Wonralion: • Your name and Account number. • The dollar amount of the suspected error, Describe the error and explain, I you can, why you believe there is an error. If you need more information, describe the item you we rinse about. Yam do not have to pay any amount in question while we are irwestigaling, but you are $ell obligated b pay the parts of you bill that are not in quesfim. While we Investigate your question, we carrot repot you as dekWmt or take any action to collect the amount you question, Spacial Ruts for Credit Card Purchases: Uyou Crave a problem with the quality 01 floods a ?vioes that you purchases wlltn a exedA card, and you have hied tr good faith b correct she problem whin the nharchan4 you may not !have b pay the remalnig amouxht dire m the good or services. You have the probecdorh Qtly w4nerh the purchase price was mere than S50 and the ixrrchsse was made in you lhorrro stele or vd6rirr 100 miles of your maidng adorers, (If we own or operate the mherdsnt, or if we inhaled you the adverdsotuent fx the goods or services, al pusses are covered regardess of the an>ouid or location of phucsse.) Payments. Send only you payment and the top portion of tits sWement in the envelope provided. Do misend cash. By sendng your check as described above, you authorize its to we ihfomhabm on your d*& to make an electronic hind hndee from your account attire financial Irstltutron metaled on your shank or b prooess the payment as a sheds transaction. A payment is processed as an electronic fund tansfer, the transfer will be for the amount of the check. When we use inknation from your check to make an sledronicA d transfer, fords may be wkhhdrawn from you axxsant as soon as the sane day we receive your poayment, and you will not receive your check bads from your financial Institution. The processing of your paymem may be delayed t you send cash, cmespardence or other IternswAlt your payment, If you send the payment to any other address or A you use an envelope Wier than the one provided. Pagnndds received In proper tam at our processing facility by UN bat lire on any day will be credited to your Account as of tat day. Payments received at our proceasl>g faft after SPM boat tins will be rsaliled to vow Account as of the nextdaY, If vou have misplaced Your enveb-pkaerhd you Qayrnent to Discover, PO Box 6)03. Carol Sbeam.lt fi013? ?1 .Please r 7-1a days for deivery. U your payment Is reUarred ui wa reserve ifie W to issubnit it as an elecbarc ailil You can pay your minimum payment or a greater annum of the telephone, and you can set up automate paymertis. Cal us at 1400.3474683. You will need this statement and your bank account alonnation. You must ensure tliat sufficient A" are available in your bards scoount, and aft transactions must comply with U.S. law. You will be asked to provide the first 5 ftits of your account statement ZIP code. By entarirhg these numbers as your electronic sign&m you will be agreeing to ft authorkllah b allow Us and you bark to deduct each payment you euthaae tom you bards acoocnt, and to Mute debit or credit entries to your bank socoum, as applicable to correct an emorh the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as the Wnkmsm Payment Due or the Now Salience on each statement You can cancel a paytneA however we must receive notice at last tree bushess days In advance of the scheduled payment You may nolily ce by phone at 1-NOW-2683 or by mail at the address Isted in the previous paragraph. If you payments may very in amount, we ti tell you on each monthly stetementWw your payment will be made and how much it will be. Your Aulomathc payment amount: may be less than indurated on the nho"stat rnent based on rxed6 or payments appled during the btiig cycle. Credit Reporting, ft may report Wormallon about your acoo Otto credit buesus. Late payments. missed paymets, or other dekdls on yotm account may be reiecled In your credit repot. We normally resort the status and parent history of your Account to aeda reporting agencies each month. tyou believe that our report is iscourale or Incomplete, please write us at the fallowing address: Discover, PO Box 15316, Mmirsgton, DE 198%W16. Mesa Include you name, address, home telephone member and Account number. Periodic Finance Charges. Except as provided baba, we vd Impose Periodic Finance Charges on purchases, ash advances. and balance transfers begkahirg with the date the transaction occurs until the dale of repayment and on Old Balances uN the dale ntrepayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your ON period ending du* Febrtaay 1993 or Reserve Lme balances. You can avoid payment of Periodic Finance Chagea on new purchases N you pay the Now Balance shown an the b®ng statement of which the padrase fret appears by the Payment Due Date, and the Payments and Craft on the stelemem equal or exceed you Previous Balance. We all this the Voice pedod". You do not have a grace period on balance transfers or ash advances. Periodic Finance Changes are imposed on now balance transfers and cash advances beo oft with the dale the transaction occurs, . Periodic Fi wise Charges are imposed on all transactions and Old Balsoces anti the data of repayment. Repayment means payment of your entire New Be*". However, if you pay the New Balance shown on this piing statement by the Paymeit Due Date, and the Paynhsnts and Cremes shown on this statement equal or exceed the Previous Balance, we will not. Impose Periodic Finance Charges on raw purchases, that Is, purchases first appearing on this statement. If yourAcoouht was dosed as of September 27, 190, you can avoid payment of Periodic Rnence Chagas Uyou pay the New Balance shown on this Statement by the Payment Due Dale and the Payments and Credits an flits statement equal or exceed you Previous Balance. Otherwise, you wig receive a WIN statement next month that Includes Periodic France Charges imposed u g the dale of repayment We cmvule Periodb Finance Charges each day for purchases, ash advances, balance transfers and OM Balances (Which we railer to as transaction alegodes) by wft the fdbwig eghcecan:AverageD*Aalerce.&numbecofdays fatsehiting.perMxDaily-P cPath.(ReierlnzlhrrfinencerbargeatrtmayordhelrontofPUEya MOKIbrNw mounts.? Then we add all the Periodic Finance Charges for each transaction category to get the total Pedock France Chages for you Account The Average Daily Balance is shown as 0 U no Periodic France Charges apply to the balance in a transaction category. Muse the Average Daily Balance (inck*q; now transactions) me" of calculating the balance upon which we impose Periodic Rnance Chagas. We cocpcde the average daily balance for each transaction category byaddrg up all the daily belanoes in a biting period for a transaction category and dvidig the bW by the number of days in the billing cycle. We conp a the defy balance for each transaction cfegoryon each day by first adding the foiowiug to the previous day's daily belenoe: barsacdans made that day, lees charged that day, and Periods Finance charges accrued on the previous day's defy balance: and by then sn trading any credts and payments Mal are applied against the balance of the tsasacdon allegory on that day. Old Balances are excluded from the balance of the purchase and cash advance 6arsaction categories. Special no balance transfers and Balance Transfer Transaction Fee Finance Charges are induded ih the daily balance transfer transaction category. Balance transfers that were &*d to an initial special rape that ties been terminated due to a late payment are also induded in ire category until the initial special rate of herwdse would have sell(red. In aknlatirxl the deity balance of the balance transfertrarsaction alegoryr on the first day of the biting period, we subtract the unpaid balance of those Balance TransierTirarsaction Fee Fiance Charges and balance transfers that became purchase rate balance transfers on that day and wa add that unpaid balance b the balance of the purchase transaction category. AN tees dsrged to yourAcoomt are added to the purchase transaction category with the exceptions of Cash Advance Transaction Fee Firence Chagas which are added to the cash advance tumacdon category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. Us transaction made in a previous URV period is Oemized on this statement vie consider the transaction date to be the first day of the ahrtent bilk* period when we alaiate your Periodic Finance Charges. For TDD (Telecotnmunicallons Device for the Deaf) essistarhea, can 1400-347-7449. Discover may monitor a Wor record telephone calls between you and Discover representatives for quality assurance purposes. ma fliervwa,e rant io heir, rut hw flievr,.r Ranh nlamAar Grelr` rtovemr,er AA, LVVa Please make check payable to Discover Platinum Card or pay online G Discovercard.com. 23 SDSNSA02 0025629 MORRISON, SHARON L inopaperless and maRe your account password. information more more secure with 243 MEALS DR pprotected statements only you can access. CARLISLE PA 17015-3183 Learn more at discover.com/paperless. PO BOX 71084 111 ofIIIrrloll loll II111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?n?r??a?ue?nt?nr?u?nfnn????nu?n?rn?n??n?u?rr?r?n?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618254696102048020100100000009700 ;Discover Platinum Card Account Summary Closing Date: October 23, 2005 page 1 of 1 Account number ending in 2472 Previous Balance $4,779.05 Payment Due Date November 22, 2005 Payments And Credits - 100.00 Minimum Payment Due $97.00 Purchases + 71.61 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $197.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 51.35 Cash Credit Available $197.00 New Balance $4,802.01 You may be able to avoid Periodic Finance Charges, see the reverse side for details.. Cashback SontiO Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0,1j Cashbook Bonus Balance 11.30 Cashfsaek8at?us?Annlvet ----------------------------------•--------------------------------- ?Y Month: August Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular cote 9gorim h h d h k % throug e year an up to 1 Cas bac out t .Bonus on all your other purchases. Now Can We Help You? p 1. visit Disco~ corn to pay your 1A for no cost, view your koest Account information, earn and redeem rewards and more IS your choice - 3 ways to help 2. Call I-800-DISCOVER (347.2683) for foss, 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) we reverse side , , Sak take City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Dote payments and Credits Oct 17 'Merchandise/Retail Oct 5 Oct 14 PAYMENT - THANK YOU $ .100.00 BIT" BITS AND PIECES 800.8842637 MA 16.98 - B9121565' --- WALMRT SUPERCNT 002574 CARLISLE PA 54.63 Post Date Oct 17 Oct 5 - Oct 14 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Datily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lances Rates RATES RATE$ CHARMS CHARGES ;current billing period: 30 days Purchases $2176.81 0.03559% 12.99% F 12.99% $23.24 $0 Cash Advances $2632.66 0.03559% 12.99% F 12.9999 $28.11 $0 Ti,.. rnfsc fhnf nnniv to vniir Aernunt are either fixed IF) or ihev may vary M as noted above lmpoftant Information, if Mere is more than one pale to this bhTrg statement see the back of each page for additional important information. See your Cardmember Agreement Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immedlatelyl Cat 1.800.347.2683. Bitting Rights Summary, in Case of Errors or Ques6aisAbout Your Bill- If you aback your big is wrong, or I you need more infomraton about a transaction on your bill, wrde us on a separate sheet of paper at Discover, PO Bak 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must (rear from you no later titan 60 days after we sertt you the first bill an which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. M your letter, give us the following information: • Your name and Account number. The dollar amount of the suspected error. Describe the error and explain, if you can, wiry you believe there is an error. It you need more information, describe the item you are unsure "L You do not have to pay any amount in question while we are investigating, but you are still Obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to OOW the amount you question. Special Rule for Credit Card Purchases: It you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good faith to correct the problem with to merchant, you may not have to pay to remaining amount die on ft good or services. You have tit pvlackn only W w the purchase prim was more than $50 and the purchase was made in your home state or within 100 miles of you matting address. (If we own or operate the merchant, or If we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash By sending your check as desabed above, you authorize us to use adomtatiort on your check to make an electronic fund transfer tram your account at the financial insgbAatt indicated on your check or to process the payment as a check transaction. It payment is processed as an electronic kind transfer, the transfer will be for the amount of the check. When we use information from your kdueck W make an electronic Nand transfer, funds may be withdrawn from you account as soon as the same day we receive your payment, and you will not receive your died back from your financial nsgUdion. The processing of your payment may be delayed 9you send cash, correspondence or other tarns with year paynhoht If you send the payment to any other address or if you use an envelope otter Oran the one provided. payments receivned In proper lorm at our processing facility by SPM local line on any day will be credited to your Account as of that day. Payments received at our-processing fidlity after 5PM local lime will be cry,:iced to Account as of k- next day. If you have misplaced yourenvefoQe, send your payment to Discover,, PO Box 6103, Carol Stream. IL 60197.6103. Please alias 7-10 days for deliveiy. t your payment is resumed unpaid, we reserve the rot to resu?rnit it as an e?cborac debit ------ You can pay your minimum payment or a greater amount of fie telephone, and you can setup automatic payments. Call us at 1-800.347-2683. You will need this rstalerrnenta,td your bank account information. You must ensure that sufficient funds are available in your bank amount, and at transactions must comply with U.S. law. You will be asked to provide the first: 5 digits of your ammunt statement ZIP code. By entering those numbers as your electrons signaltre, you wit be agreeing to this authorhfion to slow us and your back to deduct each payment you authorize from you bank account, and to initiate debit or credit entries to your bards acooW, as applicable to correct an error in the processing of such payment You must leg us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at least three business days In advaroe of the scheduled payment You may ratify us by phone at 1-000.447-2663 or by mail at the address gated in the pnsviotrs paragraph. If your payments may vary in amount, we AI tell you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than indicated on the monthly statement based on credit or payments applied during the billing cycle. Credit Reporting. yhre may report infomhagm abort your amourht to credit bureaus Late paymerOs, missed paymubufs, or other dalauts co yon acoamt maybe reflected ion yon aedif repot We namagy report the slabrs and paymem huistory nt your Amcurht to credit reporting agencies each math. t you believe tital our report is keowrete a incomplete,please write us at the tOgowing address: Discover, PO Box 15316, 1hJtrrtirhglort, DE 19850.5318. Please incude your tome, address, Ihonte belepttone rparhberarhdAeconrhl number. Periodic FMuance Charges. Erept as provided below, we wig Impose Periodic Finance Charges on purchases, cash advances, and balance transfers begirniutg with 1% date the transaction occurs until the data of repayment and an Oki Balances until the date of repary erhL Old Balances are comprised of either purchases and cash advances made on or prior to the fast day of your biding period ending during February 1993 or Rescue Line balances. You can avoid payment of Periods Finance Charges on new purchases I you pay the New Balance shown on the Nit statement on which the purge first appears by the Payment Due Date, and the Payments and Credits on Ote statement equal or exceed your Previous Balace. We call this the `lace period'. You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beginning with the date On transaction occurs. Periode France Chhuges are imposed on all transactions and Old Balances urd the dale of repayment Repaymerit means payment of your entire New Balance. However, if you pay the New Balance shown on this bWM statement by the Payment Due Data, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Frame Charges on new purchases, that is, purchasesfkst appearing on this alatement. If your Amount was closed as of September 27,1999. you can avoid payment of Periodic Finance Charges 9 you pay the New Balance shown on Oft Statement by ft Payment Due Date and the Payments and Credits on this statement equal or exceed you Previous Balance. OOrerxisa you will receive a billing statement next month that ircludes Ferlock Firtame Charges imposed unit the date of repayment We compute Periodic France Charges each day for purchases, rash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the following - ? iL;rz Av_-m9cDaky Batance.xnumber-of days in J,,a Lrdng.perird x02ilyPerioccRate. ftJer.le lire. finance chargesummary.oo the (root oiyour statement fmftseamex:rts.) < - . Thehh we add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for yourAccoutt The Average Daly Balance is shown as 0 if no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Dally Balance (mdu6ng new transaction) method of catcilaOng the balance upon which we impose Periodic Finance Charges. We compute the average daily balance for each transaction category by adding up all the deity balances in a bitting period fora transaction category and dhwhdng the total by hue number of days in fie Nkv cycle. We compute the dally balance for each bansacfieon category on each day by first adding the following to the previous day's daily balance: transactions made that day, fees charged that day, arid Periodic France Charges accrued on to previous day's daily balance, and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. Old Balances are excluded from the balance of ft purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the dally balance transfer transecOm category. Balance transfers that were subject to an nWI special rate that has been terminated due to a late payment are also nckhded in the category anti the initial special rate otherwise would have expired. In calculating the daily balance of the balance transfer transaction category on the first day of the bAfit9 period, we subtrad the unpaid balance of Ouse Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on Qtat day and we add that unpaid balance to the balance of the purchase transaction category. All fees dharhed to you Account are added to the purchase transaction category with Ote exception of Cash Advance Transaction Fee Finance Charles which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. If a bansawon made in a previous. billing period is Itemized on this statement we consider the transaction date to be the first day of the current biting pedod when we calculate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deaf) assistance, tali 1.800.347-7449. Discover may monitor aWor record telephone tags between you and Discover representatives for quality assurance purposes. The Discoverti card is issued by Discover Bank, Member FDIC. vacemrmr LL, Luva please make check payable `o Discover Platinum Card. You are overlimit. Pay the sum of the monthly m Inimum payment plus the overlimit amount of $49.4,,. 23 SDSN6A02 0025630 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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.corru'paperiess. PO BOX 71084 111 MI 11111111 CHARLOTTE NC 28272-1084 LrI,II,J„rLILr,lrrl,LrrIIIIr,rL?Lrli,ll,rLrlr?Ll??ll 000001986618254696102050494500100000011300 Discover Platinum Card Account Summary Closing Date: November 23, 2005 page 1 of 3 Account number ending in 2472 Previous Balance $4,802.01 Payment Due Date December 22, 2005 Payments And Credits 100.00 Minimum Payment Due $113.00 Purchases + 242.17 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 105.27 ' Cash Credit Available $0.00 New Balance $5,049.45 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cash6xk Bonuse Opening Cashback Bonus Balance $ 11.30 New Cashback Bonus This Period 1 + 05 Cashback Bonus Balance $ 11.81 Cashba-ck-Bornts® -Atirtiversmy ------------------------------------- -------- ------------------ Month: August ;How Can We Help You? 1. Visit Discover corn to 61 for no cost, view your kstest Account information eaarrn and redeem rewords and more It's your choice - 3 ways to help , all 11-800-DISCOVER for fast, 2. C (3, Acco r Please have your Discover Card available. ? options or to with a unt Manager speak Customer t, W rite us at Discover Card, PO Box 30943, ? 3. 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 0e44s Nov 15 Nov 15 PAYMENT - THANK YOU $ -100.00 Merchandise/Retail Oct 26 Oct 26 WALMRT SUPERCNT 002574 CARLISLE PA 73.80 Nov 1 Nov 1 LL BEAN INC FREEPORT ME 29.50 Nov 11 Nov 11 PFALTZGRAFF FACTORY ST GETTYSBURG PA 19.07 Nov IS Nov 18 OWES BARGAIN OUTLET MECHANICSBURGPA 30.32 Restaurants Nov 8 Nov 8 BONANZA, CARLISLE CARLISLE PA 44.24 Odwr/Miscellaneous Nov 23 Nov 23 OVERLIMIT FEE 35.00 Ggaoline . -- -------1Dct-30-- Ocf 30 - 'BREEZEWOOTTONION-76BREEZEWOMPA- ---- - --- 10.24 - Information For You While we are permitted under the Cardmember Agreement to terminate any introductory, promotional or special rate and increase the APRs on your Account because your Account was overlimit, we have chosen not to do so at this time. However, this will still be considered an overlimit occurrence For purposes of the Default Rate Plan. We reserve the right to terminate these special rates and to increase the APRs on your Account if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Default Rate Plan section of the Cardmember Agreement for details. Through the generosity of our Cardmembers, Discover(R) 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 Coshback Bonus(R) to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. Important Information. If there is more than one page to this billing statement, see the bads of each page for additional important information. See your CardmemberAgreament. Your CanimembsrAgrwnent contains all the terms of your Adxant Lost or stolen cards. Report immediatelyl Cali 14860347.2689. Billing Rights Summary. In Case of Ems or QuestionsAbout Your Bill: 6 you think your bill is wrong, or I you need more information about a kansacilm on your bill, woke us on a separate stint of paper at Usoov% PO Box 30421, Salt Lake City, UT 841340421, as soon as possible. file must hear hm you no law than 60 days after we sent you the fist bill of which the error or problem ate. You can telephone us, but doing sow! rat preserve your rights. In your letg give us the following Onion, on: • Your name andAccourt number. • The dollar amount of the suspected error. • Describe the error and explain. I you can, why you believe there is an am. If you need more information, describe the Item you are unsure abort You do not have to pay any amount In question while we are kves8gating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question. we cannot report you as deltic moor take any anon to urged the want you question. Special Rule for Credit Card Purchases: I you have a problem with the quality of goods or services that you purdwses with a credit card, and you have tried in good fath to conect the problem wihth the merchant, you may not tam to pay the remaining hwnount due on the good or services. You have the protection only when the purchase Vice was more than $50; and the punfiase was made in you tame state or whim 100 miles of your mailing address. (If we own or aerate the merchant, or I we malted you the advertisement for the goods or. services, ail purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this stelerrent in the envelope provided. Do not send rash. By sending your check as described above, you nihorize to to - use irdarmation on yaw check to make an efectronlo Grnd bannsfer ran your account at to financial institution indicated on your chile or 10 process the payment as a deck transaction. If payment Is processed as an electroie find bens er, tie transferA be for lie amour of the dads. When we use Infanadw trcm your deck to make an electronic l usd transfer, funds may be w itIvIrn from you account as soon as the same day we receive your payment, and you will not rec" yotr dads bade from yourfinannciel Instibutiorh. The processing of px payment may be delayed I you send cash, correspondence or other bur with your payment if you send the payment to any oter address or I you use an ' envelope other than the one provided. Payments received in proper forum at our processing facility by 5PM local time on any day will be credited to your Aooountas of Bat day. Payments received at owprocessirhg hally after 5PM local tine will be credrled to you Account pa qlthe nextday. I you have _ misplaced! you Bend to Discover, PO Boil ?f63Carofheam.ll601ArG1 Ice?oiv?=ftidapsfordeGveiy,ifgou?peymeritisretuimedanwereserverlgtt?ior='asdebiC - You cart pay your minimum payment of a greater amount of the teephhone, and you can set up automatic payments. Call us at 1404347-2683. You A creed this stalementand your babe account information. You mud ensure that rstifaent funds are avafiabie in your bank account, and all transarbors mast comptywilh U.S. law. You will beaded to provide tie first 5 digits of your account statement ZIP code. By Bering those n umbers as youreledroric signature, you will be agreeing to this mu8rorixatiau to allow us and your bankb deduct each payment you armoire km you bark aooant, and to Initiate derltorcredi armies to your bank account, as woe" to Cored an errorin to processing of much payment You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement Yen can cancel a payment, taweverwe ? must receive notice at 6W tree busiorss days in advance of to scheduled payment. You may notify us by *ne at 1-WO-3474685 or by nail at the address listed in the previous paragraph. I your payments may vary in amount; we it tell you on each man* statement when your payment A be made and taw much it will be. Your Automatic payr entwant' may be less than indicated on de monthly statement lased on credits or payments applied during five Ming cycle. Credit Reporting. We may repot kdoratoh about your account to =8 bureaus. Late payments, missed paymeOW or other tbtstrlts on your account may be Waded In your aedil report. We normally report the slabs and paynot history of yourAocamt to credit reporting agencies each math. I you believe that our report Is Inaccurate or incowoete, please write us at the following address: Discover, PO Box 15316. Wikringlah. DE 198545316. Plow khdude your name, address, have telephone number and Account number. Periodic Finance Charges. Except as provided below, we wit Impose Periodic Finance Charges an purchases, cash aduaraes. and balemtoe transfers begirnkg with the date the transaction occurs and the date of repayment and on Old Balances uhd to date of repayment Old Balances are comprised of eldw purchases and cash advances made on or prior io the lest day of your burg period ending durkg February 1993 or Reserve Lime Weems. You can avoid payment of Pedoce Finance Charges on new purchases I you pay to New Balance shown on the falling statement on wha tine purchase list appears by to Paymera Due Data, and the Payments and Credits on the statement equal or exceed your Previous Balance. We tat tic the 'grace, period". You do not have a grace period on balance transfers or cash advances. Penod is Fnmce Charges are Imposed on now hatance transfers and cash advances beginning with the date the transaction occurs. Periodic Finance Barges are Unposed an all karsahctions and Old Balances and the date of repayment. Repayment means payment of you aft New Balance, Noym, If you pay! the New Balance shown on this biting statement by to Payment Due Date, and the Payments acrd Cm is shown on this statement equal or exceed the ft-Am Balance, we wit rat. impose Pew* France Charges on new pudnnsea, that is, purchases first appearing on flit statement. If your Account was closed as of Sep(ember 27.1899, you can avoid payment of Periodic Fiance Charges If you pay the New Balance shown on this Statement by the payment Dina Date and Me Payaenls and Craft on this sidement equal orexceed your Previous Balance. Otherwise, you will mom a trtng statement next month that Includes Penof9C Finance Charges Imposed until the date of repayment We corbpute Periodic Finance Charges each day for purchases, cash advances, balance tranders and Old BalianCes (which we roar to as transaction categaiea) by usW to folowdrg equatiom:Awage.Datp Balanoexmmlber otdays in-the bitrtp.peniod x DailyPeriodk Rale-(Baki to the ken charge sunuraryon the tromDLyo t statement for.tese 8MMAs.) Then we add at the P&kdc Fiance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as 0If no; periodc Fiance Charges apply to the balance in a transaction categoy. We use to Average Daily Balance (intruding now transactions) method of calculating de balance upon which we Impose Periodic Fiance (Merges. We compete rte average daily balance for each transaction category byadding up et the defy balances in a biting period fur a transaction category and dlri the total by the number of days in the billing cycle. We compute the duty balance for each transecliah category on each day by first adcryy the following to the previous days daily balance: karsacdora made that day, fees charged that day, and Periodic Finance Charm accrued on the previous day's daily balance; and by then subtracting any credits and payments Cant are applied against the balance of too transaction categoryon that day. Old Balances are excluded from the below of the purchase and cash advance transecbra categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category . Balance transfers that were subject to an initial special rate that has been Wmkatad due to a bit payment are also Included in to category unit to kid special rate otherwise would have expired. In calculating the daily balance of the balance kansfertransaction caRory on the first day of the bung period, we subtract the umpald balance of those Balance Transfer Transaction Fee Fnarnce Charges and halm transfers that become purchase rate balance transfers of that day and we add Chart terpeid balance bD the balance of the purchase transaction category. At fees charged to your Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance CMherges which are added b the cash advance transaction category and Balance Transfer Transaction Fee Fiance Charges width are added to the balm kanstar transaction category! I a bausaction made In a previous bang period is Itemized on this statement, we consider the trarsadioh date to be to first day of the current biting period when we calculate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deal) assistance, call 1.800.347.7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes. the Discover' card is issued by Discover Bank. Member FDIC. .ranuary zz, zuuo 23 SDSN6A02 0025631 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the rronthly minimum payment plus the overlimit amount of $62.2;. GAD paperless and make yDUr ac.Dount Information more secure with password- protected stateimits enty you can access. Learn more at discover.cotNpaperless. PO BOX 71084 lll,,,ll?,,,,l?lulluhl,l CHARLOTTE NC 211272-1084 1111111111111 111111111011111111111 111131111111 000001986618ES4696102050632700125000011300 ---------------- ... ---------------------------.--...---------.--------------- Discover Platinum Card Account Summary -...?--------.. Closing Dab: Decernber 23, 2005 page l of2 Account number ending in 2472 Previous Balance $5,049.45 Payment Due Date January 22, 2006 Payments And Credits 125.00 Minimum Payment Due $113.00 Purchases + 35.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Cl,argis + 103.82 Gash Credit Available $0.00 New Balance $5,063.27 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.81 New Cashback Bonus This Period ± d.? Cashbadc Bonus Balance $ 11.81 CashbockBonv0-Ann'rversa-------------------------------I ---------------------------------------------------- lMonth: August !Cashback Bonus(R) is America's #1 Cash Rewards Programs Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to I% Cashk ,Bonus on all your other purchases. ;How Can We Help You? p i . Viet Discawr,can 10 P" Yaw bib for no rest, v- w ycwr 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 (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 Daft Payments and Credits Dec 13 Dec 13 PAYMENT - THANK YOU $ -125.00 Other/Miscellaneous Dec 23 Dec 23 OVERLIMIT FEE 35.00 Information For You While we are permitted under the Carrdmember Agreement to terminate any introductory, promotional or special rate and Increase the APRs on your Account because your Account was overlimit, we have chosen nat to do so at this time. However, this will still be considered an overlimit occurrence for purposes of the Default Rate Plan. We reserve the right to terminate these special rates and to increase the APRs on your Account if, as of the dose of a billing period, your outstanding Account valance exceeds your Account credit limit. See the Default Rate Plan section of the Cardmember Agreement for details. Through the generosity of our Cardmembers, Discover(R) 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 Bonus(R) to the Make-A Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. ....... --- - Important Information, If there is more than one page to this billing statement, see the back of each page for additional Important information. o See your Cardmember Agreement Your CardmemberAgreement contains ail the terms of your Account. z Lost or stolen cards. Report immediately! Call 141*347-2683. Billing Rights Summary. In Case of Errors or Questions About Your BIL If you think your bill is wrong, or H you need more Information about a transaction on your big, write us on a separate sheet of paper at Discover, PO Box 30421, Sail Lake City, UT 84136-0421, as soon as possiNe. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will trot preserve your rights. In your letter, give us the following information: • Your name and Account number. The dollar amount of the suspected error. • Describe the error and explain. if you can. vdny you believe there is an anon. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. Me we investigate your question, we cannot report you as delinquent or take any action to oedect the amount you question. Special Rule for Credit Card Purchases: if you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried In good faith to correct the problem with the merdmi, you may not have to pay the remaining amount due on the good or services. You have the protection only when the purchase price was more than $50: and the purchase was made in your home state or within 100 oiler of your mailing address. (H we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of fine amount or location of purchase.) Payments. Se only your f oam a dt the ttop trcepoctron f statement from your in the envelope provided. Do not send rash. By sending your check as described above, you aWadze us to use information on your your account at the financial institution kkated on your check or to process the payment as a check transaction. H payment Is processed as an electronic fund transfer the transfer wit be for the amount of the check. When we use infomnaton from your check to make an electronic hid transfer, hods may be witxtrawn from you amount as soon as the same day vie receive your payment, and you will not receive your deck back from your financial irsthAori, The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, 9 you send the payment to any other address or H you use an envelope other Iran the one provided. Payments received in proper form at our processing fact" by 5PM local time on any day will be credited to your Account as of that day. Payments reaely * our p-W4sslh19 tadlty after 6Ph41p!-111kA bg a9ftd toyohr Accamt as of the next clay. Ifya? Nave in d ywr envelop sendyour p fiyment b D'Jscpver,PO 8rii ------ You Caro) Stream, IL 60197.6103. Please allow 7-10 days for delivery 0 your paymeril is turned tmpand, we reserve the right to resubmit h as an el it6k debt You can pay your minimum payment or a Weateramount of the telephone, and you can set up automatic payments. Cat us at 14"1-268& You will creed this statement and your bank account information. You must ensure that sutfident funds are available in your bank account, and all transactions must comply with US. law. You will be asked to provide the frst 5 digits of your account statement ZIP code. By entering terse numbers as your eidhft* signature, you will be agreeing to this aulhodraton to allow us and your bands to deduct each payment you authorize from you bank account, and to imitate debit or credit entries to your bank account, as applicable to correct an error in the Processing of such payment. You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment. You may ratify us by phone at 1-800.347-2683 or by mall at the address fisted in the previous paragraph. If your payments may vary in amount, we iq tell you on each monthly statement when your payment will be made and how much it roll be. Your Automate payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting, We may report Information about your account to credit bureaus. Late payments, missed payments, or other defaults on your now nt may be reflected in your credit report We rarmaly report to status and payment history d ) urAccount to OWN iepo6V agencies each month. if you believe that our report Is Inaccurate or incomplete, please while us at the WIc viirhg address: Discover. PO Box 15316, Wihhdngtar DE 19850-5316. Please include your name, address, hone telephone number and Amount number. Periodic Finance Charges. Except as provided below, we will Impose Period Finance Charges on purchases, cash advances, and balance transfers beginning with the date the transaddion occurs unW the data of repayment and on Old Balances until the date of repayment, Old Balances are comprised of either purchases and cash advances made on or prior to the taxi day of your billing period ending during February 1993 or Reserve line balances. You can avoid payment of Periodic Finance Charges on new purchases H you pay the New Balance shown on the biting statement on which the pochase fast appears by fine Payment Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We tali this it* 'grace period'. You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beginning with the dale the transaction occ um Periodic Finance Charges are Imposed on all transactions and Old Balances until the date of repayment. Repayment means payment of your enltre New Balance. However, if you pay . the New Balance shown on ft b&V statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or-exceed the Previous Balance, we wN not ' Impose Periodic Finance Charges on new purchases, that 1% purchases first appear" on tits statement. H your Account was dosed as of September 27,1999, you can avoid payment of Periodic Finance Charges H you pay the New Salence shown on this Statement by the Payment Due Date and the Portends and Cmdb on this statement equal or exceed your Previous Balance. Oterwise. you will receive a t>B'mg statement next month Urat includes Periodic Finance Charges imposed until to date of repayment We compute Period Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (v htrh we refer to as transaction categories) by using the following c. a1ic-::Avcinge Daily Balantcexnum1w.of days in-the !'itin:g.perod .U)aiy.PoAodic Rate. (Refer to the fiance dharge.summa ymUm front aLyaz statement for thesearnountsa - .- Thul -,ie add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account TheAverage Daily Balance is shown as 0 H no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodlo Finance Charges. We compute the average daily balance for each transoclion category by adding up all the daffy balances in a b*V period for a transaction category and dividing the total by the number of days in the biting tide. We compute the dally balance for each transaction category on each day by fast adding the following to the previous day's daily balance: transactions made that day, fees verged that day, and Periodic Finance Charges accrued on the previous days dally balance; and by than subtracting any credits and payments that are applied against the balance of the transaction category on that day. Old Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balathce transfers and Balance Transfer Transaction Fee Finance Charges are mduded in the daffy balance transferkanSactiomcab". Balance transfers that were subject to an Ia'8ia1 Special vale that has been terminated due to a lade payrwtare also included In the category until the dial special rate otherwise would have expired. In calculating the daily batarice of the balance transfer transaction category on the first day of the billing period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balaruce transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. All fees charged to your Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. If a transaction made in a previous trilling period is itemized on this statemhent, we consider bra transaction date to be the first day of the current wing period when we calculate your Periodic Finance Charges. For MD (Telecommunications Device for the Deal) assistance, call 1800$47.7449. Discover may monitor and/or record telephhone calls between you and Discover representatives for quality assurance purposes. Thin rhiern O r rri k ice, 4 hw ni-var A; k wA tit r Fnir. 23 SDSN6A02 0025632 MORRISON, SHARON L 243 METALS DR CARLISLE PA 17015-3183 Address, e-mail or telephone change? Print change in space above, or go to Discover.con. Print your e-mail address to receive important Account information and special offers. 000001986618254696102050559201)150000011300 Discover Platinum Card Account Summary Closing Date: January 23, 2006 page 1 of 2 ;Account number ending in 2472 Previous Balance $5,063.27 !Payment Due Date February 22, 2006 Payments And Credits - 150.00 Minimum Payment Due $113.00 Purchases + 35.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 107.65 Cash Credit Available $0.00 New Balance $5,055.92 You may be able to avoid Periodic Finance Charges, see the reverse side For details. CQshback Bonuse Opening Cashback Bonus Balance $ 11.81 New Cashback Bonus This Period + 0.00 CcAback Bonus Balance $ 11.81 Casirtscrd<Batto? annivsa ----------- -------------------------------- ------------------------------------ Month: August ICoshback Bonus(R) is America's #1 Cash Rewords Programt Full 5% Coshback Bonus Ion Gat More purchases in popular categories h h I % hb h d k 4t roug out t e year an up to Cos ac Bonus on all your other purchases. ;How Can We Help You? P 1 • Visit Discover cem to pay yaw bill for no cost, view your latest Account information, earn and redeem rewards and more ifrS your choice - 3 ways to help 2. Call 1.800-DISCOVER (3.47-2683) for NO, 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 309x3 For MD (assistance for hearing impoired) see reverse side Salt Lake City, UT 84130 .Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. D ate Dam ;Payments and Credits Jan 15 .tan 15 PAYMENT -THANK YOU $ .150.00 OJher/Miscellaneous Jan 23 Jan 23 OVERUMIT FEE 35.00 'Information For You ;While we are permitted under the Cardmember Agreement to terminate any introductory, promotional or special rate and iiricrease the APRs on your Account because your Account was overlimit, we have chosen not to do so at this time. However, this will still be considered an overlimit occurrence for purposes of the Default Rate Plan. We reserve the right to terminate :these special rates and to increase the APRs on your Account if, as of the close of a billing period, your outstanding Account 'balance exceeds your Account credit limit. See the Default Rate Plan section of the Cordmember Agreement for details. Through the generosity of our Cardmombers, Discover(R) Card has donated more than $l .d million to the Make-A-Wish ,foundation. You can make a child's dream come true by electing to donate your Coshback Bonus(R) to the Make-A-Wish Foundation. To learn how, please visit Discovercord.com or visit www.wfsh.org. February 72, 2006 protected statements only you can access. Learn more! at discover coWpaperless. Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum ?ayment plus the overlimit amount of $5:i.9J.. Go paperless and make your account information more secure Oth password- PO BOX 71084 111111 11 11110 CHARLOTTE NC 28272-1084 lulrlLrLrr)rUrrrlrrl.)rrr)1))rrrl,rlrr)rrilrrI I III II Important Information, If there is more than one page to this bins statement, seethe back of each page for additiOrd important information. See your Cardmember Agreement. Your Cardmember Agreemertl contains all the terms of your Account. Lost or stolen cards. Report immefttetyf Call 1400347.2683. Billing Rights Summ s% In Case of Errors or Questions About Your Bit: 9 you tinink your bill is wrong, or ft you treed more inks malion about a transaction on your bill, write us on a ; separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130.0421. as somas possible. We must hear from you no later than 60 days after we sent you the first bill on' which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and Account number. The dollar amount of the suspecled error. • Describe the error and explain, 0 you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question wfu"te we are imresligft but you are shill obligated to pay the parts of yor bill that are not in question. White we investigate yar question, we cannot report you as delinquent or take any action to coiled the amount you question, Special Rule for Credit Card Purchases:lf you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remakiing amourit due on the good or services. You have the protection only when the purchase price was more than $50 and the purchase was made in your home state or win 100 miles of your mailing address. (O we own or operate the merchant, or t we mated you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payrnerrts. Send only your payment and the lop portion of this statement in the envelope provided. Do not send casts. By sending your ceck as described above, you ari8adze us to use information on your check to make an eleu:trorrte frrnd transfer from your acwW at the t wicial trstixton unfxated on your check or to process ft payment as a check transectim. O payment is processed as an eledrordc fund transfer, the transfer will be for the amount of the drodc When we use information from your check to make an electronic fund transfer, funds may be withdrawn from )vu accent as soon as the same day we receive your payment, acrd You will cwt receive your check bad from your financial institution. The processing of your payment may be delayed 9 you send cash, correspondence or other items with your payment, if you send the payment to any other address or t you use an envelope other than the one provided. Payments received in proper form at our processing faclhy by 5PM local time on any day will be credited to your Aoownt as of that day. Payments received ail our_processirg fi!citity after SPhA local time will be credited toyorAcao_xrut as of the next day. If =1 =your envelope, se Wyour}na?nne A to Discover, PO Box 6103, Carol Stream, fL 6t1197.6f63. Please avow 7-10 - - -?aFclel - days wary If gourlaaylii itis retixited - rve nght Ire x1e5UbRaf d as am e)didrorunc debut. - - - - - - You can pay your minimum payment or a greater amount o( the telephone, and you can setup auloma6c payments. Callus at 1400.347-2683. You will need this statement aid your bank account Wamation. You must ensure that sufficient funds are available in your bank amrit, and at transactions mast cm* with US. taw. You will be asked to provide ft first! 5 d9ifs of your account statement ZIP cafe. By entering those numbers as your electrmic signature. you will be agreeing to this authorizat in to allow us and your bank to deduct each payment you authorize from you bank account and to Initiate debit or credit entries to your bank account, as apptcabie to cared an error in tle processing of such payment You must tell us ttre amount of each payment, or you can select an want such as the Minlmu m Payment Due of tie New Balance on each statement. You can cancel a payment, however we must receive notice at least tree business days In advance of the scheduled payment. You may nittly as by phone at 1-NO-347-2883 or by mall at the address bated in the previous paragraph, t your payments may vary in amount, we i tell you on each monthly statement when your payment will be made and few much ft will be. Your Automatic payment amount may be less than indicated on the mor" statement based on credits or payments applied during Oe billing cycle. Credit Reporting. We may report nfomiation about your acwuntto credit bureaus. Late payments, rr h*W payments, or other defarAts an your amont may be refacfed in your credil; report We riomraty report tte status and payment history of your Account to aWk reporting agencies each month. If you believe that our report Is Inaccurate or incomplete, please write us at ire foliating address: Discover, PO Box 153 f G, Wthdnglon, DE 1985043 16. Please include yow name, address, home telephone rairnberandAccount number. Periodic Finance Charges. Except as provided below we wil impose Periodic Finance Charges on purchases, rash advances, and balance transfers beginning with the dale tie transaction oars until the date of repayment and on Old llalamas until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to Iiie lest day of your billing period eridkrg during February 1993 or Reserve Lire balances. You can avoid payment of Periodic Finance Charges on new purchases a you pay the New Balance shown on the tilling statement on which ft purchase first appears by the Payment! Due Date, and the Payments and Credits on the stalement equal or exceed your Previous Balerwa. Vk call flits Wgrace period'. You do not have a grace period on balance transfers or cash advances. Periodic Frharwe Charges are unposed on new balance transfers and casts advances beginning with the date the transaction occurs. Periodic France Charges are Imposed on all transactions and Old Balances until the date of repayment Repayment mears papnent of your entire Nov Balance. However, M you pay ' the New Balance shown on this billing statement by the Payment Due Date, and to Payments and Credits shown on this statement equal or exceed the Pw&m Balance, we will not inpose Periodic Finance Charges on new purchases, that Is, purchases fast appearing on ibis statement. If yo rAeoount was dosed as of September 27, 1999, you can avoid payment of Periodic Finance Charges If you pay ft New Balance shown on ft Statement by the Payment Due Data and to Payments and Credits on ft statement equal or exceed your Pievbus Belem. Otherwise, you will receive a tilts statement next month tha(kidudes Pehodlo France Charges imposed until the date of repayment We compere Periodic Finarhce Changes each day for purchases, rash advances. balance transfers and Old Balances (which we refer to as trarsaclbn categories) by using to Wowing .ecr.o5on:A.verage DVy Banance.xnumbecnf dayaia.tbeielliogrydd>d x Dally Periodic Rate. (f2eteriDllxe.11wreawgesuniary.oniteHof yourstatemeiva Itim aroDlrrlt5,',_. Ram we add ell the Periodic Finance Charges for each transaction category to get the otal Periodic Finance Charges for yourAecont. TheAverage Daily Balance is shown as 0 it no Periodic France Charges apply to the balance in a transaction category. We use the Average Daily Balance (mcludng new ft"actons) method of catculatng the balance upon which we impose Periodic Finance Charges. We compute the average daily balance for each transaction category by adding up at the dally balemxes In a biting period fa a transaction category and dividing ft total by the number of days in the WM cycle, we compute the dally (balance for each transaction category ort each day by first adding the Wowig to the previous cloys daily bafanee: hamsacti ms made that day, fees drar9ed that day,. and Periodic Finance Charges accrued on the previous day's daily balance; and by Olen subtracting any Credits and payments that are applied against: the balance of the transactor category on that day. Did Balances are excluded from the balance of to purchase and cash advance transaction categories. Special rate balance trarslam and Balance Transfer Trransaction Fee Finance Charges are included in the daily balance transfer transaction category Balance kan*rs that were subject to an initial special rate that has been lemuinated due to a late payment are also included in tle category until the initial special rate otxerwise, would have expled. In calxxlafM the dady balance of the balance transfer transaction category on the first day of the billing period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that became purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. AN fees charged to your Account are added to Qe purchase transaction category with to exception of Cash Advance Transaction Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance trander transaction category. If a transaction made in a previous; bWm period is Itemized on this statement we consider the transaction dale to be the first day of the current biting period when we calculate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deaf) assistance, hag 1400.347.7449. Discover may monitor ardor record telephone calls between you and Discover representatives for quality assurance purposes. The t)krnvnF yard lu kgiwd by rljkrnwr Rank rubunrwr r nrr 23 SDSMA02 0025633 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. 000001986618254696102049984400165000011200 Discover Platinum Card Account Summary Closing Date: February 23, 2006 page 1 of 2 Account number ending in 2472 Previous Balance $5,055.92 !Payment Due Date March 22, 2006 Payments And Credits 165.00 Minimum Payment Due $112.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $1.00 Balance Transfers + 0.00 ;Cash Credit Limit $2,500.00 Finance Charges + 107.52 Cash Credit Available $1.00 New Balance $4,998.44 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshback Bonuse Opening Cashback Bonus Balance $ 11.81 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 11.81 tashbackBonus&Anniversa ------------------------------------------------------------------------- Month: August How Can We Help You? 1 • Visit Discovwxom to pay your bi) for no test, view ur P latest Account information, earn and redeem rewardsnd more 'It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fad, easy selFaervice 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 aide Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guaranbe Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 16 Feb 16 PAYMENT • THANK YOU $ -165.00 `information For You Use your Cashbock Bonus(R) to help others. When you donate your Cashback Bonus(R) to our charitable partners, JDRF, junior Achievernent(R) and the Make-ArWish Foundation(R), Discover(R) Card will add 20% to your donation. To donate your Cashback Bonus(R) or learn more, visit Discovercard.com ---------------------------------------------- Why not reward yourself this tax season? Use your Discaver(R) Card when you pay yaw taxes and you'll earn Cashbock Bonus(R). Just visit www.pay] 0,40.com/discover Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE RNANCE FINANCE balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2217.09 0.06847% 24.99% F 24.99% $47.06 $0 Cash Advances $2848.42 1 0.06847% 24.99% F 24.99% $60.46 $0 Tho ant- theof ren l\, t., u Ir A,-,.M int nra Gltbar hvorl P mr 4t v imr vo,,v M ne -6A ^6^vn tvtarcfh 22, 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.corNpaperless. PO BOX 71084 111 CHARLOTTE NC 28272-1084 ?{111111111111111t{{111111{iIIIII{111111{{11111{{1111111{17111 Important Information. If there is more than one page to this tiling statement, see the back of each page for additional important information. cev See your CardmemberAgreement. Your CardmemherAgreement containsallthetermsof yourAccount z Lost or stolen cards. Report kmheoiatey! Call 1.800.347-4683. Billing Rights Summary. In Case of Errors or (bastions About Your Big: If you think your bill is wrong, or if you need more information about a transaction on your bit, write us on a separate sheaf of paper at Discover, PO Box 30421, Salt Lake City, UT 8413M21, as soot as possible. We must hear from you no bier than 60 days after we sent you the fist bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your tights. In your letter, give us the following infontation: • Your flame and Account number. • The dollar amount of the suspected error. • Describe the error and exj*In, 0 you can, why you believe there is an error. If you need we information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the pads of your bill that are rat in question. While we investigate your question, we cannot report you as delinquent or farce any action to oolle l the amount you question. Special Ruts for Credit Card Purchases: O you have a problem with the quality of goods or services Oral you purchases with a credit card, and you have died in good AM o correct the problem A th the merchant, you may not have to pay the remaining amount fine on the good or services. You have the protection only when the purchase price vies more than $50 and the purchase was made in your fame state or within 100 mien of your mailing address, (0 we own or operate the merchant, or 'd we mated you the advertisement for the goods or services, all purchases are covered regardless of the amoud or bcatim of purdhese.) Payments. Send only your payment and the top potion of this; sWtemant in the ernebpe provided. Do rat send cash. By sending your check as described above, you authorize us to use information on you deck b make an electronic fund transfer fromt your account at the financial institution indicated on your check or to process the parent as a died transaction. If payment is processed as an electronic lad transfer, the ft%W wit be for the artauait d tie tdecc. When we use information from your check o make an etetrim* twit transfer, funds may be withdrawn hem you account as son as to same day we receive your payment, and you will not receive your deck back from your financial instiblion. The processing of your payment may be delayed if you send cash, correspondence or oiler hems with you payment, i you send the payment o any other address or if you use an envelope other than the one provided. Payments received in proper form at our prooessing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our pnooesaing faciiiy oiler 5Pt?t local time vrii be oredAed byorAOCOknI as of the next tag ffyou have misplaced your envektpe, sendyourpaym?ent Discovec, Boz Gi ?i, Caul 5`trearn,ll 60187 Ii103. Please adow-i6oFays (a olePhvery, g your pajmhenl is reoirnedumpad. we reserve t?ce W to resubmF as an e(aGrorsc 2'd You can pay Pin m paymtpayments. Call us at 14DD-347-2683. You w?l need this statement and your mrt . Yew muail transak?ams must comply with U.S. law. You wit be asked to provide the first 5 digof youatarruent VP you will be agreeing o tits auuteokdon to allow us end your bank to deduct each t an you bank nt, as applicable to correct an error b the processig of such payment You must' fl us payment, or you ran select an errniount suaclh as the Miimum Paymetht tote or the New Balance on each slatemarht. You can cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 14"7-26M or by mail at the address listed in the previous paragraph. If your payments may very In amount, we R tell you on each mommy statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than indicated on the monthly, statement based an credits or pap" applied during the biting cycle. Credit Reporting. We may repot intormation about your account to credit bureaus. Late payments, missed payments, or oiler default on your account may be reflected in your ae69' report. We normally report the status and payment history of yo rAcco nt to credit repoA agendes each month. 0 you beleve that our report is inaccurate or incomplete, please write us at the blowing address: Drscow,, PO Box 15316. Wilmington, DE 19650-5316. Please *ds ynu name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Fihanoo Charges on purchases, cash advances, and balance transfers beginning with One date the transaction occurs until rte date of repayment and on Old balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made an or prior to the test day of your billing period em" during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases t you pay the New Balance sham on the billing statement on which the purchase first appears by the Payment Due Dace, and the Payments and Credits on the statement equal or exceed your Previous Balance. We call this the'grace period". You do not have a grace period on bakruCe transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beginning with the date the transaction occurs. Periodic Finance Charges are imposed on all transactions and Old Balances until the date of repayment. Repayment meatus payment of your entire New Balance. Nourever. If you pay the New Balance sham on this King statement by the Payment Due Date, and time Parents and Creft shorn on this statement equal or exceed the PwAous Balance, we oil flat impose Periodic Finance Charges on new purchases. W is, purchases first appearing on this statement If your Account was dosed as out September 27, IM, you can avoid paymero of Periodic Finance Charges 9you pay the New Balance shown an this Statement by the Payment Die Dale and the Payments and Creeks our Us statement equal or exceed you Previous Balance. Otherwise, you will receive a billing statement next month het includes Periodic Finance Charges Imposed until the date of repayment. We compute Pedock Finance Charges each dayfor purcham. cash advances. balance transfers and Old Balances (which we refer to as transaction categories) by Wing the foio vi A,r_. -ft N, Balanco;x.numberV, tlap1iJtebiwr.gyckioix.Da0PedodkRato.(tteter to the fire nce charge swrruarysoa die koutD(yow statement kgp- -aniowI-.i - - T)wn we add al the Periodic Finance Charges for each uarnseclion category to gal We total Pedodie Finance Charges for youAcdou nt ThsAverage Daly Balance is shown as 0 d no Periodic Finance Charges apply to the balance in a transaction category. We used* Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We oompute the average daily balance for each transaction caledalr by adding up all the daily balances In a bldg period to a transecom category and dividing the total by fie number of days in the hdlg cycle. We compute the daily balance for each rwisacton caler" on each day by first adding the folovnng to the previous day's daily balance: trersadious made that day, fees charged that day, and Periodic: Finance Charges accrued on the previous day's daffy balance; and by than subtracting any credits and payments that are applied against the balance of the transaction category on that day. Old Balances are =*xled from the balance of the purchase and rash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included 01 the daffy balance transfer transaction category. Balance transfers that were subject to an idIM special rate that has been terminated due to a late payment are also Included in the category until the initial special rate otherwise waM have expired in calckda ft the daily balance of the balance trandertransection category an the first day of the billing period, we subtract rte unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. All tees charged to your Aoxxwnt are added to time purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added lo the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. If a transaction made in a previous bang period is itemized on this statement, we consider the transaction date to be the first day of the current billing period when we calculate your Periodic Finance Charges. For TDD (Telecommunications Device for the Deal) assistance, calf 1400.347.7449. Discover may monitor "or record telephone caps between you and Discover representatives for quality assurance purposes. Apra Az, LVVe Please make check payable to Discover Platinum Card or pay online 0 Di3covercard.com. 23 SDSN6AO2 0025634 MORRISi}N, SHARON L Go paperless and make your account information more secure with password- 243 MEALS DR pprotected statements only you can access. CARLISLE PA 17015-3183 Iearn more at discover.comlpaperless. rrlrl?l Po Box 71084 11111111 1111111 11111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (?tlill?eliiilillr?il??l?litillll???liiliiliill?ilieliil?leill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618254696102049820800112000011100 Discover Platinum Card Account Summary Closing Date: March 23, 2006 page 1 of i Account number ending in 2A72 Previous Balance $.4,998.44 Payment Due Date April 22, 2006 Payments And Credits 112.00 Minimum Payment Due $111.00 Purchases + 0.00 Credit limit $6,300.00 Cash Advances + 0,00 Credit Available $1,317.00 Balance Transfers + 0.00 Cash Credit Limit $3,200.00 l;nanae Charges + 95.64 Cash Credit Available $1,317.00 New Balance $4,982.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbook Bonus Balance $ 11.81 New Cashbook Bonus This Period + 0.00 Cashback Bonus Balance $ 11.81 Poshback-BonasS-AnnKmrsm? ---------------------------------------- -------------------------- Month: August Cashback Bonus(R) is America's #1 Cash ;Rewards Programl Full 5% Cashback Bonus !on Get More purchases in popular categ8ories i o throughout the year and up to 1 % Cashb ok ?Bonus on all your other purchases. ;How Can We Help You? P 1, . Visit Dls ~.cem io pey yew 64 for no cost, view your latest Account information, earn and redeem rewards and more ;It's your choice - 3 ways to help 2. Cal 1-8004=OVER (347-2683) for fast, easy selfiservice 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. 7rans. Post Date Date Payments and Credits Mar 10 Mar 10 PAYMENT - THANK YOU $ -112,00 ----------------- ---------------- Finance Charge Summary Nominal Transaction Average Dor?y ANNUAL ANNUAL Periodic Fee Daily ?1 Periodic PERCENTAGE PERCENTAGE PNAMCE FD ANCE lances Rates RATES RAZES CHAROB AGES current billing period: 28 days Purchases $2082.16 0.06847% 24.99% F 24.99% $39.92 $0 ;Cash Advances $2906.51 0.06847% 24.99% F 24.99% $5572 $0 The rates that aooly to vour Account are either fixed iF1 or thev may vary Nl as noted above Important Information, if there is more than one page to this billing statement, see to back of each page for additional important information. See your CardmemberAgreement. Your CardmemberAgreemenl contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1.800-347-2683. $ftting Rights Summary. In Case of Errors or Questions About Your Sit If you think your bill is wrong, or ft you need more information about a transaction on yow bp, write us on a separate sheet o(paper at Discover, PO Box 30421, Salt Lake City, UT 84130-0421. as soon as possible. We must hear from you no later than 60 days after we sent you the first bii on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your frame and Account numhber. • The do&v&=Mt ofthe suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe ft item you are unsure about. You do not have to pay any amount in question while we are investiga", but you are still obligated to pay the parts of your bill that are not in question. White we investigate your question, we cannot report you as del'snquenl or We any action to collect time amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the rerroining amount due on ft good or services. You have the protection only when to purchase price was more than $50 and the purchase was made fn your hone state or within 100 miles of your maiirg address. (if we own or operate the merchant, or ifwe mailed you the adverlbemeM for the goods or . services, orb purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use irdornnabon on your deck to make an electronic fund transfer from your account at the financial insdtu6on indicated on your deck or to process the payment as a died transaction. If payment is processed ae an electronic fund transfer, the transfer will be for the amount of the check. When we use infamatlat from your cask to make an electronic ford transfer, funds may be wd6hdrewn from you amount as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of you payment may be delayed if you sad cash, correspondence or other items with your payment, if you send the payment to any outer address or t you use an envelope other than the one provided. Payments received in proper form at our processing facility by SPM beat eme on any day A be credited to your Amount as of that day. Payments regeivH Qt ,rMooassmmc? f2ci?ly after 5PM ik>calpme will be credited toywr Acooun _as of the inert day. i[ygi have nrisplacedyoh. envelope, senduur pa rnenI to DScoverr t?0 Box; - 6103, Carol Skearm, IL 60197.6103. Please it";' -10 days to delivery. if i&( payment is returned unpaid, we reserve the right to resubri it 4 as an elecbonc debi You can pay your fora um payment or a greater amount of the teleptoone, and you can set up automatic payments. Cell us at 1400.347-260. You will need this statement and yarr bank account irformaton. You must ensure that stddent funds are available in your bank account, and 40 tranuctrons must cornpty with U.S. fewk You will be asked to provide the first! 5 digits of you account statement ZIP code. By entering these numbers as your electronic sigairim. you will be agreeing to this aulhaftfon to allow us and your bank to dedud each; payment you authorize from you bank account, and to Wale debit or credit entries to your bank account, as applicable to correct an error in the paoessktg of such payment You must tell us the amount of each payment. or you can select ark amount such as the With m Payment Due or the New Balance on each statement You can cancel a payment, however we '. must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1400,347.2683 or by mall at the address listed In the previous and how much it will be. Your Automatic parent amount be paragraph. t your Indicated on th ye m?onthdy statemenwe ill tell t based on on cron each ec6te or paymmeens stalement when appled during the th bipayment lling gTje. may lob Credit Reporting. We may report fnWrmadon about your account to credit bureaus. Lab payments, missed payments, or other deteuNs on you account may be refleded In your ore* report. We romnaiy report the status and payment history of your Accent to credit reporting agencies each mcolhm. If you believe torn our spat is inaccurate or Incomplete, please write us at the following address: Discover, PO Box 15316, WhRnington, DE 1985-5316. Please include you name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances, and balance pmtsfers beginning with the date the transaction occurs sorb the data of repayment and on Old Balances until die date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the fast day of you Wing period ending during February 1993 or Reserve tine balamxcr. You can avoid payment of Periodic Fine= Charges on new purchases t you pay the New Balance shown on the Wig statement on which the pumihase fast appears by the Payment; Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We cab this it* 'grace peroC. You do riot have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and dash advances beginning with the date the transaction occurs, Periodic Finamce Charges are Imposed on all transactions and Oil Balances unto the date of reparymkent Repayment means payment of your etdire New Balance. However, If you pay the New Balance shown on this billing stalemtent by rte Payment Due Date, and the Payments and Cref shown on this statement equal orexceed the Pfeviors Balance, we will not impose Periodic Finance Changes on new purchases, tat is, purchases first appearing on this statement. It your Aocowttwas dosed as of September 27,1988, you can avoid payment of Periodic Finance Charges If you pay the New Balance shown an this Statement by the Payment Due Date and the Payments and Credits on ttis statement equal or exceed you Previous Balance. Otherwise. you will receive a billing statement next month that includes Periodic Fkrance Charges imposed until the data of repayment We compute Periodic Finance Charges each dray for purchases. cash advances, balance transfers and Oki Balances (*tkh vie refer to as transaction categories) by using the following - ? .m AvaragCr? u f Balance x numbecol d :)sd:.tbe bit!icy?r wd z Daily Parodic RaW (Relerln yteleancc chargesumrnary.oh.the frahtof your satenmLlor these amnuals.). Then we add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your AccounL The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to tie balance in a transaction category. We use the Average Daily Balance (Including new bansections) method of calculating the balance upon which we knpose Periodic F6anoe Charges. We compute the average daily balance for each transaction category by adding up ore the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing cycle. We eornpule the duly balance for each transaction category on each day by first adding the fdkwemg to the previous days daily balance; trarisadgons made that day, 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 are applied against the balance of the transaction category on that day. Old Balarces ere excluded from the balance of the purchase and cash advance transaction categories. Special rate batance trarafers and Balance Transfer Transaction Fee Finance Charges are irckuded in rte daffy balance transfer transaction category. Balance transfers that were subject to an hidai special rate that has been terminated die to a fate payment are also included In the category until the i ntial speehd rate otherwise world have expired. In calculating the daily balance of the balance transfer transaction category on the brst day of the billing period, vve al lrract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that became purchase rate balance transfers on that . day and we add that unpaid balance to the balance of the purchase transaction category. AN fees charged to your Accord are added to the puchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer bansacton category, If a transaction made in a previous billing period is iternized on this statement, we consider the transaction date lo be the first day of the current billing pedod when we calculate your Periodic Finance Charges. For TDD (Telecommunicatioru Device for the Deaf) assistance, call 1400.347-7449. Discover may monitor and/or record telephone rats between you and Discover representatives for quality assurance purposes. The Discover6 card iq issued by Discover Bank. Member MK. May 22, 2006 Please make check payable to Discover Platinum Card or pay online @ Disc:oven:ard.com. 23 SDSN6A02 0025635 MORRISON, SHARON L Go paperless and make your account information rmation more secure with password- 243 MEALS DR protected statements only you can access. CARLISLE PA 17415-3183 Learn more at discover.corNpaperless. PO BOX 71084 IllnrlIt ,rlrlrlr1llulrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lrrlrll?rlrrrl?llrrrlr?l?lrrrllll?i?I?rl??E??ll11l11111lilt 111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618254696,02051382800110000012300 Discover Platinum Card Account Summary Closing Date: April 23, 2006 page 1 of 2 Account number ending in 2472 Previous Balance $4,982.08 Payment Due Date May 22, 2006 Payments And Credits 110.00 Minimum Payment Due $123.00 Purchases + 158.71 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $1,161.00 Balance Transfers + 0.00 Cash Credit limit $4,725.00 Finance Charges + 107.49 cash Credit Available $1,161.00 New Balance = $5,138.28 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 11.81 New Cashback Bonus This Period + 0.40 Cashback Bonus Balance 12.21 CashbackBonw&Annnrersa ---------------------------------------------------------------------------- Month: August Cashback Bonus(R) is America's #11 Cash :Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular cat ories 'throughout the year and up to I% Cashk 'Bonus on all your other purchases. How Can We Help You? p I . Visit Discower com to pay your big for no cost, view your kw 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 (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 Dab Date Payments and Credits Apr 6 Apr 6 PAYMENT - THANK YOU $ -110.00 Merchandise/Retail Apr 11 Apr 11 CURRENT*CATALOG DIVISN 800525-7170 CO 73.94 ----------------------------------- - A05.732----------------._...------------------- --- ------ Home Improvement Apr 1 Apr 1 LOWE'S 1710 CARLISLE PA 84.77 Information For You 'Congratulations) Your Account's cash credit limit has been increased to $4,725.00. :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 with a $0 fraud liability guarantee and we'll call 'you right away if there is unusual activity on your account. To loam more visit Discovercard.com/protection Use your Discover(R) Card to make a $100 donation to The Statue of Liberigilis 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 '-4 --mnrnfq Amorirnn Drumm: Fnr mnrw infnrmnfinn Inn nn fn Ditmvwrrnrd rnm Important Information. If time is more thai one page b this tiilling staternorut, seethe back d each, papa for additioaa important eda*ddoru:. v iit See yawCadmembecAgreementYWCardmemteragreement contains all to terms of your Accourit U) Lost or staln.cards. Report anmediatelyt Call 1.M347-2683, o Billing Rights Summary. In Cased Errors or QuesfansAbout Ymr Bit ff y4w drink your b6 is wrong*, or. ifyou need more irdonabon about a transaction on yourb6,.lerite to on:a separate street d paper at Dwam, PO Bpz 30421, $alk Lake City, UT 64130-04211, as soon as possible. We must bear from you no later than 60 deys;her we sent.you the foot bil on which the error or problem appeared- You ceri telephone us, but doing so wit not preserve your 46. In your letter, give us.ft lalownig infamaUon: • Your now anclAocourt number The dollar amount of to suspected error • Describe €te error mid expkn, if you can, why you believe there is.an arras if you need more information, describe the item you are tahstee about. You do not have to pay any.smoud in question while we am investi9 ft butt you are stiff obligated to pay the parts dyaur bid that are not in Wedfon. White we ipvestigele your question, we cannot report you as delaxluentor face any action to toted the amount you 4niiian. Special Rate for-Credit Card Purchasaa: Ifyou have a problem with the quaRyd goods or services that you purchased with a credit card and you have treed in good billi b correct to problem with the macherd, you may not have to pay the remaining amark due on thegoods or services. You have this prdedgn only when ft purchase price was mote than 550 and tie purchase was made is your home state or within 100 roles of your mating address. (If we own or operate the merchant; or if we mated you the adverissnordforthe good or services, d the purchase we covered regardless of the amount or location of the. purchase.) Payments. Send only your paymertt'arid IN top pordat of IN statement, n ft envelop yrovided. Do not send cash. By sendi g your cask as described above; yauWrioitm us b use inl rme on on yowdtedc b matte and elo*tr fund bwrh W ktom yawn account at the kw%cial netipAlon? indipted on yourduedc or.to.proom,% peyrnerk es a deck trenaacSiort..lf Ua pe?y?nark iaprooesaed as an olectranlclurid trerheter, Ohatrapalaw+ilbeltxtla athrosrntdlhestsecli.Wtiebtweuse.ihiormetion komymx ss+eckb lsmkean electronic land transfer, funds may be withdrawn from.ydr accamtas,so in es the serve day we receive your payment, and you writ not receive your dhecit back from. yohufnangel institution. The pw-si%W your papnent.maybadelayed i -you send eash,oaaaspondepce.a otherihemswitu?rcnrPayvwant, 9 yout-seadda paymeal zany o0 eraddressor f ywAm an - - envelope otter than Oe one provided. Payments received h proper form at our processing tetchy by 5PM local time on any day will be ored'ded to your Account as of tatday. Payments received at our processing facility after 5PM total tine will be aeuktad to yarAooount as of the next day. If you have misplaced yotrenve4e, send your payment to Discover, PO Box 6103, Card Stream, IL 6019741103. !lease allm 7-10days for delivery. If your paymsenCis rekrnedmnpeid, we reserve the right to resu bmif 4 as an deelroni6dea You can pay your minimum payment or a greater amount over the Weptloino,.atd you can set up aubrnadc payments- Callus at 1400-3472683. You will steed this statement and. . your beruk aooouttht irdapnaion. You umtst ereure tat sul6croM Bads we svalsbte in your bault socounl and al transactions must comply tidOt U.S-.law_Yow wul be aalaad to prow6da ore turd 5 of you scomil statement ZIP code: By ordering those rttmbets as ynur ekctrotac.utigruahre, ya, oil 6e.agreeag b this au thorizaon to allow ce and your bank b deduct each payment you au -I* kom yexrrbatdeacceunl, and b giflrete debit or rxediterhtdes b your bards eocasib as app -to correct error, in qhe processing d such; payment You moat tellors the eunotaht dasefu paymeid, a yew cart select an amorrht arch ss Mrruimrnh PaymheM Due a the New BOW" on each s hL You can come! a payment, howeverwe ruar;t redelure+ho6ce a keel three boalness dais in advance d Oaadeduled peynant You mayraNly to by phone a 1 00347 2883 orby mml at Oa address Wed in the previous peregraph. if your psyrtranb mayvacy n amotrd wewB eel you tut each montdyr statenharut wtaru you paymmitva0 be made and tow much kwl be. YourAurlamadcpsyment unorakmay belegs drat Ole iridiceted on Oa.rruorrthiy ?tanerut based omdradik ox peyrrarxs applied during Ole bill %cycle- Credit RapoAng. We mayteportirdatrration abdut.youraeoourd b craditbureaus. Leis ltoytrhents, missed payments, a other defahtks.cn'yodr aocdnt may tie: raftscbad ihyour.. i aeditreport. iNe utarrtaly report Ore a0alus end paymem hisbryof yrourAccatak b aedlt aguruaes each momh, O you buhfave fhai orr reportre kterxtaate orahooiinpiele, phase voile tts a Ole tolbvnaig addnass: Dbooyer,;PO. Box: 15316, Wilmingbn, DE f . ffi. P(eese irudude you narie,address,home.telephorte rarntia and Aorxturht nrariber PERWIC FKOICE CHAGES. Periods Finance Charges are apposed qn>a transactions from tla date the. trensaction is posted io ypirkoWnt until Ole date you pay your entire New Balance, by mating paymenls or recowhg aedtb. However, we will prundde the.todewng grace penocr If you paid 1he New Balance on your pervious Wing sfa6enientby the Payment No Date shown on Ina statement, and you pay to New Balance byt he Peffam Due Date on this statement we aril not appose Periodic Finow Charges on new vxc ases, that is, purchases fast appeamg on the data writ. Otherwise, you: will remit a Ong statement next month that kw Wm Periods Fnance Charges an lase raw. purchases. There is no grace period on below trarefers or cash advances. We sort your kansactiora lob groups of purchases, rash Sideri s; and balance tra islersand then turdier sort the transactions within each group by thak Annual Percentage Rate- For example purchase; stibjed to a pronioiona tale and pucdhases subject. to standard rare would be separate quips. We reftir to these groups as.ttaascdon categories. At the. end of each btling period, we compute Paiodio Foarm Charges-for each day d Oa burg period for each transaction category. We we to followng equation.lc oorrytiuda. Periodic for each kaaecion categcry. Average Daly Balance x number of days in to billing period x Daly Periodic Rata. (See the inahce.charge summary on your submamforthese . entopMsJ If tm? we_addeP t!he_ Pe1?G.Eme_r>ce_Clher9? foC epCh 1?a?etioLh !Sob tl?t?he fps! ?e_ Planes Chergee for ya!r7 ArbounG T_?8v ?Y. Baktoe Is_ . _ shown as zero 1, because of the grace peiod, no Periodic: Fnaoe Charges apply to the balance in a kanspoWn category!. We use ft Average Daly. Balance fsu*dq Oetutransacdote} method of calculating the balktica upon Wft we impose Perioft finance charges ftcanpufe,tlle Average Daily Balance foreed„ransagrba category by addehg dip all it,®day balendxs in. a bulfne period ton's transaction gatagery and dividfreg One nil try theryanber of ohayr:,gh.thre bi6hg cyde. vve compute to daily below for cab tramieWo t category on each day by Wadding to ldtowng to Oa previous days daily balance; transectbrhs made thatday, fees charged got day and Periodic Finance Chagos accrued on that day, as hansacbm is posted to your koo rrt after the dose d the tilling period in which it occurs. we will treat the trarrsadbn as having occ urred on the fist day of the billing period in which d is posted to yourAocoum. AN fees charged to yourAoeotek are added to dal standard purchase transaction c&WM w A the a mpbon of Cash Advance Transaction Fee Finance Charges wft::am added to the applicable cash advance transaction celegcry and Below Translar Transaction. Fee Foam Charges which a iiadded t o% appGcabk balance trenskr trexacbm categoryr. When dal special rate expires, we move ft unpaid below of the below transfer and to Balance Tra efer Transaction Fee Finance Charges to the standard purchase transaction category i tiowrever, f t a specialrole has beat tehmihated wider ua DOW Rabe Plan, we keys the w1 aid.belance.of the balance transfer and the Balance Trans* Transaction Fee Finance Charges' in the applicable transaction category end the special rate would have expired, For TDD (Telecommunications Device for titre Dead assistance, call 1.000.347-7449. Discover tray manibr andbr record telephone cats between you and Discover representatives for weldy assurance purposes The Disover° card is issued by Dscover Bank, Member FDIC. June Ad, zuuo please make check payab!e "o ' )iscover Platinum Card or pay on.ins 10 Disco?erccird.com. 23 SDSN6A02 0025636 MORRISON, SHARON L Go paperless and make your aco.)unt information more secure Mth password- 243 MEALS DR protected statements only your cair access. CARLISLE PA 17015-3183 Learn more at discover. corru'papeHess. PO BOX 71084 111 1r,11r1111111r,1ln11111 CHARLOTTE NC 28272-1084 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. 000001,986618254696102052971100125000012400 Discover Platinum Card Account Summary Closing Date: May 23, 2006 page 1 of 2 Account number ending in 2472 Previous Balance $5,138.28 Payment Due Date June 22, 2006 Payments And Credits 125.00 Minimum Payment Due $12A.00 Purchases + 175.80 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $1,002.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance Charges + 108.03 Cash Credit Available $1,002.00 New Balance $5,297.11 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 12.21 New Cashback Bonus This Period + 0.44 Cashbadc Bonus Balance $ 12.65 1Cashback-Bonus9Annive ------------------------------------------------------------------ Month: August How Can We Help You? p 1. visit Discover com to pay your 141 for no cost, view our latest Account information, earn and redeem rewards and more it's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TM assistance for hearinimpaired) see reverse side 3. Write us at Discover Card, PO Box 309A3, I g SafF Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 17 May 17 PAYMENT - THANK YOU $ -125.00 Merchandise/Retail May 7 May 7 WAL-MART SC - #2574 CARLISLE PA 82.90 Restaurants Apr 29 Apr 29 OX YOKE INN GALETON PA 37.40 Gasoline May 9 May 9 KWIK FILL CARLISLE PA 27.50 May 17 May 17 KWIK FILL CARLISLE PA 28.00 Information For You .--------.--------------------------------_------ -- ------------_ Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. i Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARM current billing period: 30 days Purchases $2231.06 0.06847% 24.99% F 24.99% $45.82 $0 Cash Advances $3028.36 0.06847% 24.99% F 24.99% $62.21 $0 The rates that aooly to vour Account are either fixed IFl or thev may vary IV1 as noted above. Important Information. U there is more than one page to this WBg statemerd, see the bads of each page for additional important information. See yotw CardmemberAgreement YourCardmernberagreementooafteins d Warms; ofyourAccunt. Lost or statan.cards. Report bimedietelyl. Cal 14800.347-2683. Billing Rights Summary. In Case of Errors or Question6ftutYburft If you think.your bill is wrong, or if you need rnore information about a transaction op Y." b K Write us.on a separate &had of paper at Discover, PO Box 30421, Salt Lake Cly; UT 84130.0421, as soon as possible. We must hear Born you no liter than 60.dleys d w we sent yet to first bill on which the error or problem appeared. You can. telephone us, but doing so will not preserve your rights. In your. letter,. give us the folowirg Wormetion: Your name and Account number • The dollar amount of the suspected error Describe the error and w plein, N you can, why you believe there is an error. 6 you need more information, describe the item you are unsure abgut. You.do not have to pay any amount in question while we are investigafng• but you are stilt obligated to pay the parts of your bid that are not pm question. While wet.wsligate you question, we cannot report you as d drquent or take any action to collect to amount you question. Special Rate for Credit Cud Purchases. If you have a problem wlh the quality of goods or services that you purchased with a credkwd and you have tried in good fakhb nonmed t e problem with the merchant, you may not have to pay the remaining amount due on the gaols or services. You have ttas protection only when the purchase price was more then $50 and the purchase was made in your aware slate or whhch 100 miles of your mailing address. (if we own or operate the merchant or dwe mailed you dte adwertis6mMht fo tre good or services, all the pxd vw are covered regardless of the am(xmt or location of the purchase.) Payments. Send only you psymentaed the top pm*n of the statement in the envelop provided. Do not send, cash. By sending your che&as dldr mlW above. you. sufmori m as to use Wormadon on your dmedc lo.make and electronic bW transfer from your account at the finical msdUm indicated on your daolt or to prooess the peymeM.as a credo transaction. If the payment a processed as an electronic fwd transfer, the tra wderwid be forthe amount of (tare check. When we use information from yw.dw* to and can electronic Grid transfer, funds may be withdrawn 6om.your=court as soon as the same day we receive your payment, and you will not receive yarde* bad from yquHin dal ixsftum she er rcoss%of you paymhentfin ybadal.g edit you sand-cash, correspowW ce.orottaralsm witt•your-payment,4f-you send thepsyrawMa any olim address ar-ifyou usean- - envelope other than the one provided. Payments received in proper form at our processing Wily by 5PM local fare on any day will be crefited to yourAccount as of that day. Payments received at our psocessing fadly siler5PM kcal Time will be wedded to yarAccount as of the next day. If you have misplaced.you envelope, send ym payment to Discover, PO Box 6`103, Carol Strearn, U. 60197-6103. Please allow 7-10 days for delivery. U your payment is teluned.u paid, we reserve the right to resubmit N at an electronic debit. You can pay your minimum payment or a greater amount over the lelephone,.and you can set up automatic payments. Cal us at 14004472683. You will road this statement end your hank aocout inlumation. You must mum fret sufficient fads are available in you bank account, and all trarsecliors must comply with U.S. law. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering those hurnbam as your electronic signakr% you will be agreeing to this ardhorize9on to allow ua and you bagk.to deduct each payment ydxra t horize from your bards accord, and to Mew debit or credit entries to your bards account, as appkable,:b correct error m the ol such: payment. You roust tell us the won of each payment. or you can select an anrount such as Minimum Payment Due or the Raw Balance on eachataleme K You can cancel a payment, however we must receive noboe at least.thme busmess.(lays in advance of the 3c hmiuled ayanent You may notify us by phafe at 141`10-34 -M or by mail at the ad dr= bled it the previous paragraph. 0 your psymenis nay very in amount we will tell you an each monthly statement when your payment will be made and tow much'kwll be. YourAutornatic payment amount may be less ton the indicated on the marl lystatement based on credits or paynx is applied during the billing cycle. Credit Reportfrg, We nay report irnbtrrratiern =bout you aixxoutt b credM bureaus. L=fe payments, missed payments, or after defaullo; on your adxxiuM may be.ralbcted Ntyaa` aedf report. We nomaly reeport the statrs and payment hratory rd youAoceurit b cradr n;porting egerwies each mahih, ff ydw belinre tail our reixatis imacwraoe or imcompulete, please write is at rte following adaess:.Disrover, PO.Box 15316, Wilmington, DE 19850-5316. Please include yam mama, addtrasa, horrie.teleptwtte tantrdtei and Account ntrddher. PERIMC FINANCE CHAGES. Periodic Fiance Barges are imposed drh all transactions from the date the. transaction is posted to yo rAcoount urdi in dcte.yght pay your entie New Balance,. by malting payments or receiving credits. However, waevA provide to following `grace period if you paid ft New Balance on your pervious boo 511(010019 by the Payment Due Date shown an thntsteternent, and you pay to New Balac+ce by the Payment Due Date on this statement we will not impose PeniorJic Rrnenoa Changes ton new. purchases, trot is, purchases first appearing on this stalemanlL Otherwise. you will receive a biting statement next month the includes Periodic Fdanoe Charges on those new pucases. There is no grace period on balance transfers or cash advances. We sat your tramsec9ars fib groups of purchases, rash advances, and balance Impalsm and tart further sat the transactionswituin each grog by their Annual Percentage. Rate. For exempt" purchases subject to a promotional rate and purdnases s*Ad to standard rate .would be separate groups. We mW to these groups as traraecdpn calagrinies.At the end of each billing period. we.oanpule Perbk Fnsnoe Charges. for each day of In Ming period for each transaction category. We use he b bwing equation to cowpute. Periodic for aedx transaction category. Average Daily Balance x nunbu of days in the blips period x Daily Periodic Rate. (See the fnanc" large summary on your slarwro for these a ovot5.).Thenmelldup.ihePerivkI7inatxeCharges.irxeach.transectarn-calegmytovatftnebt ftiockfinarce.Cfatges_fayar.A=mLTheaveraW.DailyBalanceis. shown as zero it because d the grace period, no Periodic France Charges apply to the balance in a transaction category, We use the Average Defy Balance (including new traasadxions) meted. of calculating the balance upon.vvhich we impose Periodic France Charges. Wo.atmpuie Ora Average Daily Balance for each transaction category by adding up all the daily balances in a bding period for a transaction category and &Aft the brat by the number of days in.ths d'6ng cycle. We compute the daily balance for each transaction category on each day by fist adding the blowing to the previous days daily balance. hisections made txntday, fees charged that day and Periodic Fiance Charges accrued on that day. If a transaction is posted to ymAccotmt after the dose of the bilks period In which it scars, we wfl treat the transaction as having ocavned on the fit day of the baling period in which it is posted to your Acm unt. All fees charged to you Account are added to the standard purchase transaction cetegory with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applic" cash advance transaction category and Balance Transfer TraneacdahFee Fiance Charges which are added to its applicable balance kwWw transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to.the standard pudase transaction category. However, d the special rate has been terminated murder tha.Dak# Rata Plan, we leave the unpaid balance of the belancetransfer and the Balance Trsnsler Transaction Fee Fiance Charges in the applicable transaction category until the special rate would have expired, For TDD (Telecommunications Devicetor the Deal) assistance, call 1.800.347-7449. Discover may monitor, ardor record telephone cats between you and Discover representatives for quality assurance purposes The Discover" card is issued by Discover Bard;, Member FDIC. July 22, 2046 23 SDSN6A02 0025637 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. Please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at dlscover.cornipaperiess. PO BOX 71084 111Jr1i1rnr11111 CHARLOTTE NC 28272-1084 000001986618254696102057949400124000013500 Discover Platinum Card Account Summary Closing Date: June 23, 2006 page 1 of 2 Account number ending in 2,472 Previous Balance $5,297.11 Payment Due Date July 22, 2006 Payments And Credits 139.00 'Minimum Payment Due $135.00 Purchases + 517.13 'Credit limit $6,300.00 Cash Advances + 0.00 Credit Available $505.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance Charges + 119.70 Cash Credit Available $505.00 New Balance 5,794.94 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 12.65 New Cashbcmk Bonus This Period + 1.26 Cashback Bonus Balance $ 13.91 CashbackBonus0-Anniversa ------------------------------------------------------------- Month: August Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular cat Dries h h h d Mo out t :t roug e year an up to I% Ca ck Bonus on all your other purchases. ;How Can We Help You'.) p 1 Visit Discavencom 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 your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card PO Box 30943 :For MD (assistance for hearing impaired) see reverse side , , Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dais ! Payments and credits Jun 1 Jun 4 FAMILY PRACTICE CARLISLE PA $ 15,00 Jun 19 Jun 19 PAYMENT -THANK YOU 124,00 M6k andise/Ket-T---- -- JW 3-- Jua 3-.- -. OLD-NAVY-3749*CARlJSLE--PA - . - - - ------- ------ ----- --•--40:30. ---- Jun 10 Jun 10 GEORGES' FLOWERS CARLISLE PA 12.72 Jun 15 Jun 15 RDP*RODALE BOOKS 800-763.2531 PA 39.16 F75364230001 !Restaurants Jun 4 Jun ,4 ALFREDO PIZZA AND R CARLISLE PA 23.55 Jun 6 Jun 6 BONANZA, CARLISLE CARLISLE PA 24.78 :Travel/Entertainment May 27 May 27 SUPER 8 BEDFORD BEACH LANE VA 68.20 May 28 May 28 SUPER 8 MOTELS ASHEVIL ASHEVILLE NC 144.25 Jun 16 Jun 16 CLAWS N PAWS WILD AN LAKE ARIEL PA 80.60 Supermarkets Jun 10 Jun 10 GIANT FOOD STORES # 112 CARLISLE PA 4.30 Jun 12 Jun 12 GIANT FOOD STORES #112 CARLISLE PA 25.64 Jun 21 Jun 21 KARNS QUALITY FOOD SNQ BOILING SPRINPA 23.63 ;Medical Servkes Jun 1 Jun 1 FAMILY PRACTICE CARUStE PA 15.00 Jun 9 Jun 9 FAMILY PRACTICE CARLISLE PA 15.00 Important Information. If there is more than as page to this bung statement, seethe bad( of each page for additional. important information. See your Cardmtermber Agreement Your Cardmember agreement contains al the terms of your Account. Lost or stolen.cards. Report inrnediately! Cal V M3474683. Bitting Rights Sammary. In Cass of Eras or Questions About. Your Bill: If you tnink.your bill is wrong: or if you need more ifOlmdon about a transaction on your bll,.wrile Worts separate sheet of paper at Discover, PO Box 30421, Sea Lela City, UT841304421, as soon as possible. We must her from you no later than 60 days davA serf you the first bill on which the error or problem appeared. You can-telephone us, but doing so wll.not preserve your rigrls. In your Ieaw,.give us are following information: • Your name and Account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error.. If you need mgTe information:. desraibe the stem you are unsure about;. You do not have to pay any amount in quests while Ym are investigating, but you are still obligated to pay the parts of your big that are not in question, While we invesfigaleyour question, we cannot report you as deCuquent or take any action to collect the amount you question. hed with a credit lard and you have tried in good faith to correct Special Rate for Credit Card P with the. 1Purchases: If you have problem goods or services thet:you purcas the goods or services. You have this protection only when the purchase pica was more than $60 and the purchase was made in your hone std or within 100 miles o(youc makng address. (If we own or operate the merchant, or l we mailed yowthe, advertisement forme good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payment. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sendiang your check as clesc*sd above, you aulhorize us to use mfxrnation on your dsd to make and dectonic fund transfer from your amount at the kwxW inskution k dcated on yourdheck or to p rooess the payment as a check transaction. t. the payment's processed as an electronic fund transfer, the transfer wl'1 be for the.anaunt of the dock. When we use iformstion from your d" to male en electronic fund transfer, funds may be withdrawn from yak account as soon as-the same flay we woeive your payment, and you will not receive your check,Ilak from yo r SwOal institution. The pr--%i got yak payment maybedeWyed-N-you send cashrcorespoadence.or oMerAwriswitluyourfaymant, 4 yousendthe payment Zany other addressor d youuse an - - envelope other tin the she provided. Payments received in proper form at our pracesarg facility by SPM local time on any dayl.vd be credited to your Amount as of that day. Payments received at our processing bogy after SPM local time will be credited byour Account as of the next date 9 you have mslikoed your envelops. . send your payment o. Discover, PO Boo 6103, Card Strewn, a 60197.81103. Please allow 1-10 days for delivery. If your payment's returned unpaid: we reserve the right to resubmit it as an electronic debit. You can pay your minumum payment or a greateremoud over the telephone; and you can setup automatic payments. Cat us at 18003472883: You Wi@ need'tlb steteirnenland your berdu account inforntatioh. You must ensure that suttioierht funds are available in.yar betdkatxxuant; and all transactions must comply with U.S. taw. You wit be asked to provide the AM 5 digits of you amount staWmert ZIP code. By entering those numbers as your electonic signature, you will be.agreeirg b this aulhorkelan to allow us and.your bank to deduct each payment you authorize from your bank accost, and to initials debaor credit entries to your bank account, as appgrable, b oared error in the proolem' of such; payment You must fell us the amount of each payment; or you can select an amount such as Minimum Payment Due or the New Balance on each sblemek You can cancel a payment; however we must receive notice at least three business days it advance of tie scheduled payment You may [ us by phone at 1-800-M74M or by mad at the address listed in the previous pwWaph. a you paymermts may vary In amount we will fall you on each nanthly.dement when your paymentwll be made and how much it will be. Your Aulornefic payment amount may be less than the mdtcated on the montliy statemoht based orh.aedls or payments applied during the tilling cycle.. Credo Repotting. We may report infer mason about your amount b credit bureaus. Lade payments. missed paymarhb. or cutler default orn yottaieount may tie:refiededit Your. as& repel. We normdtg report the status and payment hrebry'df your Account to credit reporting agencies each marls, ayou believe Hatter report 's.ineco rate, or inoor la, please write hte at the toNowirhg address: Discover. P4. Box.5346; Wilmington, DE 19850.5316. Please include your rime, addiess, home tbphate number. &W Amount mr[dw. PERIODIC FMKE CHAG.ES. Periodic Finance Charges are imposed on all transactions from the data the transw5m is posted b.ybrrAmount uhti the deleyou payyour ire New Balance, DY making payments or receiving oredb. However. we xnll provide the following 'grace pefod'tf yat,pard the New Bafernce on.your pervious blip sieternert by the Payment Due Dale shown on that detemert, and you pay the. NewBedance by the Psymat Due Date on this statement we Will, not impose Peniope.Fnwm Charges on new purchases, that is, purchases fast appearing an this staemenl Otherwise. you.wll receive a burg statementrrehd mordh tst includes Periodio Finance Charges on those new. purchases. There is no grave period on balance transfers or cash advarwes. We sat your Uamsadioms into groups of purchases,. cash .advances, and balance barsfers and then futher.sort the transactions within each group by tlsirAmial Pmoentege Rata. For example partc hasm subject b a promotional rate and purchasesaitijad b standard rate. would be separate groups. We refer to tasegroi os as trasedan ceYgoriee. At the: .odn: end of each billing for each transaction pecategory. d, we ccomptte Periodic Finance ChwVs. for each day d the biting period for each tratsadrorrcategory. We use the: fdlorlring SWAM to compute Pen Average Daily Balance x number of days in the bldg period x Daly Periodic Veto. (See the thence charge summery on your staslunenHor two atmamts) jhgr we_Pkup ft eeliq_dj9 ba_w_Q wW for eA tranf9ih yaupmIq getthelo_tcti Pan* F CjlvM fprygyrrAog t._7k4vw Qallf BaleBCg is _ . _ sholn as zeta f. because of the grace period, no Periodic Finance Cihergas apply b .g* balance in a transaction cam". We use the Average Daily Balance (mdudng new transactions) methodof calorie tg the balance upon .which ,we impose Periodic Finarca Charges. .Weeompude.the Aymage Daily Balance for each transaction category by adding up all the daily balances Ira biting period for a bansecton. category,and dvd% the brad by then umber of days in psbilig cycle. We compute due daily balance for each transaction cal egayron each cloy by fist adding thefol wing to the previous days daily balance, trasadims made did day, fees ohaigod thal day and Periodic Finance Charges aoaued on that day. If a transaction is posted b yourAmo nt after the dose of the burg period in which it occurs, we will treat to trasecton as having earned on the first day of the biting period in which I is posted to yourAccount Al fees charged to your Amount are added to the stencterd puirchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are.eeclea b the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Chages'which are added to the. appfCabtebalance transfer transaction category: When the special rate expires, we move the unpaid bafaihce of the balance transfer and On Balance Transfer Transaction Fee Finance Charges. to the standard purchase tansecian category. However, 9the special rate has been terminated under the Default Rate Plan, we leepe due unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable trarsaction category until the special rate waft bane expired.. For TO (Telecommunications Deyke.for the Deaf) assistance, cell 1.890.347-7449: Discover may monitor andor record telephone cis between your and Discover.representatves for quality assurance purposes The Discover" card is issued , by Discover Bank; Member FDIC. 23 SDSN6A02 0025636 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. 000001986618254696102064020100135000018600 Discover Platinum Card Account Summary Closing Date: July 23, 2006 page 1 of 2 Account number ending in 2472 Previous Balance $5,794.94 Payment Due Date August 22, 2006 Payments And Credits 135.00 Minimum Payment Due $186.00 Purchases + 94.00 Credit limit $6,300.00 Cash Advances + 501.75 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $4,725.00 Finance Charges + 146.32 Cash Credit Available $0.00 New Balance _ $6,402.01 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 13.91 New Cashback Bonus This Period + 0.05 Cashback Bonus Balance $ 13.96 Cmhback-Bonus®Anniversany - ----- ----------------------------------------------------- - :'Month: August Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories 'throughout the year and up to I % Cashback Bonus on all your other purchases. ;How Can We Help You? p 1- Visit Discover,com to pay your bill for no cost, view r latest Account information, earn and redeem rewardand more It's your choke - 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 MD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 i Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jul 21 Jul 21 PAYMENT - THANK YOU $ .135.00 Other/Miscellaneous Jul 15 Jul 15 CASH ADV RTRN CHK FEE #0055 35.00 :._ . _............--------•---??--3e123--- --®VERt11v11T-FLE------ --- - ----- ------- ------39:00 - - - --- -.. C+asdine Jun 26 Jun 26 KWIK FILL CARLISLE PA 20.00 Cash Advances Jun 22 Jun 24 255 S SPRING GARDEN ST CARLISLE PA 501.75 Jun 22 Jun 24 CASH ADVANCE TRANS FEE FINANCE CHARGE 15.05 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. 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. August 22, 21706 Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $102.01. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercorNpaperless. PO BOX 71084 IIIJ1111111111111 111111 fill CHARLOTTE NC 28272-1084 knpodant Information. N there is more tan one page to this billing statement, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember agreement oontai s all the terms of your Acoourt. Lost or stolen cards. Report immiediately! Cal 1804347.2683. Billing Rights Sumnwy. In Case:of Errors or QuestionssAboutYau:Big: H you think.yo r b6 is wrong, or. 4you need more information about a transadiorn on your bit, write ns.on.a. awe* sheet of paper at Discover, PO Box 3D421, Sak lake Ciy; UT 841940421, as soon as possible. We must hear from you no later than 60 days after, we sent you the bust bill. on wtkh the error.or problem appeared, You can. telephone us, but doing so will not presmire•your rights. In your letter, give us the folowring itornatbn: • Yam name and Account number The dollar amount of the suspected error • Describe ttfe odor std expl* W you can, why you bel"athere is an error. If you need more information; describe the item you ate unsure about. You do not have to pay any amount in question who we are Investigating. brit you are sill obligated to pay the pars of your Cult that are not in question, While we investigate you question, are cannot report you as delinquent or we any action to eolied the,.e amo ntyou questm Special Rate for Craft Card Purchases: N you have a problem with the quality.of.goods or services that you "chased with a credit card and you have Uied in good bit b correct the problem with the merchant, you may not have to pay the remaining amount due on the.goods or services, You have to protection only when the purchase prim. was more than $50 and the purchase was a" in your home stake or within 100 miles of your mailing address. of we own or operate the merchant, or if vm molted you the advertisement for the good or services, all the purduse are covered regardless of the amount or location of the purchase.) Payments. Send o* your payment and the by portion of the statement it the envelop provided. Do not sec cash. By sending your check as described ebowo,.you a Barbs to to use information on your dhedc to make and electrum fund translarfrom youreooairt at the tarenael institution indicated on your dheddor to process the payment as.e check trarsaction..if the payment Is prooeseed as an electronic fund transfer, the transferxak be for dw amount of the check. Who we use information from yourchedi to matte at electronic bid transbr, funds may be withdrawn from.yeur account as soon as the same day we receive your payment, and you will not racers your dw*,hadc torn your ti sndal ` irstituton. --Theprocess%ofyorpsyment4wvA*deiayedifyousendcsshFwrespondencso otlw4*mswith.Wwpaymsmt,af-yeusend thepayment.toaty address aif-youusean--= envelope other than the one plaided. Payments recei W n proper form at our processing laality by 5PM local lime on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local lima will be credked b yourAcmut as of the next day. 9 you have misplaced your envelope, send your psyment On: Discover, PO Box 6103, Card Stream, IL 60197.6.103. Please allow 7-10 days for delivery, N your paymenfis returned Unpaid, we reserve the right to resubrrat' x as an electronic debit. You can pay your mininmmn payment or a greater amount over the talephore,.ahd you can set up aubmatc paymens. Cal us at 1-0003472683: You will need ft statement and. you bank account information. You must ensue that sulfide t kids are available. in your bads account and all transactions must corrply with U.S:. maw You A be asked to provide tae fast 5 d*.of you acootnt statement ZIP code. By entering those numbers as youraleckaaic sigr>atra33, you will be agreeing-to this authorization to slow Us and your bank to deduct each payment you aurthmize Iran your bank account, and to awiate debit or oredk entries to your bank accouurt, as applicable, b cared'eror in the processing of such payment You must M us the artwunt of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we must racein notice at lead threat business days it advance of the scheduled payment You. may nd'dyvs by phone at 1400,347-M*or by mall at the address haled in tae previous paragraph: If you. payments may.vary in amamt we will talk you on each monthly statementwhen your payment will be made and how much it will be.. You Automatic payment ancurg may be leas Ow the Wooled on the monthly statement based orrcredis or payments applied dumq the txWrg cycle: Credit Repotting We may report infamstiah about your account to credit bameaa lake paymenhts missed payments, or otherde(ai+its an your sooourd.may ke:relectad in lair: credit report. We normally report ihe:etakts and payment hiatory' your Account to sett reporting agencies each month. If you Delis* tfiat:our:report is inecamate or ihcornpste please write us at the Mowing address 0scover. PU Box 15316, Wiimkgton, DE 198545316. Please ihokrde your name, ahldreea, home telephone number end A motnt murber. PSVWC FINANCE CHAGES. Periodic Finance uhages ate imposed om all Imi nsacltius tromm.t he date the. transaction is posted to yorrAccorxt until the dale you pay yourentire New Balance, by makpg payments or receiving credits. However. we will provide the taMowimg "grace period' 9 you paid the New Balance gn.your pe iviouas bOM statement by 4* Payment Due Date shown on that atatenherd. and you pay the New8slance by.toe Psyment.Duo Date onus statement we will not impose Period Finance Charges on new. purchases, that is, purchases taakappearing on this statement Othewfse, you will receive a billing statement next month that includes Periodio France Charges on those, new. purchases. There is no grace period on batamce transfers or cash advances. We sat your bamclio s Into groups of purchases. cash advances, aid balance transfers and then further sod the traimWons wit>us each grail by their Annual Pementege.Rate. ehauaton tr am b oomrp categories. le Pe the For of each billing compute aiodic Fmnoe Charges each dw of the period for each separate vansaction cae groups. is regoy. fer to We u iliae c the re e bb toNownh as transaction , Periodic for each transaction category. Average Daly Balance x number of days In the bifng period Osi!Ir Periodic Rate. (See the 5nanoe charge summary on your statement for these amo!nnls_) Jhegyl4edcfyplhePBri cFq RC@Charges.fafach-trot OiohcetewL9sl t4le?P4!14d8cFtuence.CllergesiorYatrAoc9dynL.[tteaverege-D ly9alanceis _ shown as zero d, because of the grace period, no Periodic Fname.t9harges apply to the balance in a transaction category. We use tae Average Deny. Balerhoe lkhdi,hiug new transactions) metfad of dxakwleMg the balance up«h.wfaich use impose Periodic Finance Charges. We:computa theNeroge Daisy Balance for each trenmW category by adding ap all the daily belences in a bilking period bra.transecton category and dividing the total. by the norther of.days in the billing cycle. We compute the daily balance for each transaction category on each day by fast adding the tolowi g to to previous days daily balance, transactions made that day, fees charged that day and Periodic Fmence Charges accrued on that day, lfa transaction Is posted to yo rA=unt after the dose of the billing period in which it occurs, we will but the transaction' as having oeeured on the first day of the bilking period in which it is posted to yourAcoourt. AN fees charged to your Account we added to the standard purdnase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to die applicable cash advance transaction category and Balance Transfer TiansaclanFee Finance Charges which are added to the applicable :balance transfer transaction category . when the special rats expires. we nave the unpaid balance of the balance transfer and lire Balance Transfer Transaction Fee Finance Charges to the standard purchase h i settimh category. However, If the special rate has beech terminated under the Default. Roo Pan, we leave the unpaid balance of the bad aasfer and the Balance Ti msfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have.expked.. For TOD {telecommunleatorm Device for the Deaf) assistance, tali 1490.347-7449: Discover may monitor ardor record telephone calls between.you and Discover representatives for quality assurance purposes The DiscovW card is issued by Discover Bank, Member FDIC. aepremoer zz, zuuo Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlirnit amount of $120.00. 23 SDSN6A02 0025638 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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 ao.ount information more secure vrith password- protected statements only you can access. team more at disc overcorm'paperless. PO BOX 71084 111111111111111111111111111 CHARLOTTE NC 28272-1084 11111111111111111 1111111 1111111111111 fill fill 1111111111 1111111 00000198661825469610206420000018600001920C1 Discover Platinum Card Account Summary Closing Date: August 23, 2006 page 1 of 2 Account number ending in 2472 Previous Balance $6,402.01 Payment Due Date September 22, 2006 Payments And Credits i 93.04 Minimum Payment Due $192.00 Purchases + 74.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Firance Charges + 137.03 !Cash Credit Available $0.00 New Balance - $6,420.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbmk Bonuse Opening Cashback Bonus Balance $ 13.96 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 13.96 .CashbackBonus&Anniversary --------------------------------------------------------------------- -------- Month: August How Can We Help ? 1. Visit Discovercom to pay your bbl for no cost, view our P YOU latest Account Informatiori, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selhservice 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 Dare Date' Payrnents and Credits Jul 31 Jul 15 RETURNED CASH ADV CHECK FEE REFUND $ -7.00 Jul 31 Jul 15 ADJUSTMENT - FINANCE CHARGE -0.04 Aug 19 Aug 19 PAYMENT - THANK YOU -186.00 Aug 23 Aug 19 PAYMENT ADJUSTMENT 186.00 Aug 23 Aug 23 REPRESENTED PAYMENT - THANK YOU -186.00 ! Cidw/Miscellaneous Aug 23 Aug 23 RETURNED CHECK CHARGE 35.00 Aug 23 Aug 23 OVERLIMIT FEE 39.00 ''Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic AN Fee Daily Periodic PERCENTAGE PERCENTAGE FIN CE FINANCE Balances Rates RATES RATES _ CHARGES CHARGES current billing period: 31 days Purchases $2699.12 0.06847% 24.99% F 24.99% $57.28 $0 Promotional Purchases $0 0.00000% 0.00% F 0.00% $0 $0 ;Cash Advances $3757.08 0.06847% 24.99% F 24.99% $79.75 $0 The rates that aaaly to vour Account ore either fixed (Fl or thev may vary (Vi as noted above knportant Information. If there is more than one page to Ns billing statement, see the beck of each page for additional. important!nformation. W 0 See your Cardmember Agreement Your Cardnember agreement contains all the terms of your Account. z Lost or stolen. cards. Report immediately! Call 1-800.347-2683. N Billing Rights Summary. In Case of Errors or Questions About You Big' R, you th nk.your bill is wrong, old you read more information about a transaction on your bill, write us on.s o separate shestof paper at Dscover, PO Box 304211, Salt Lake City. UT 84130.0421, as soon as possible. We must hear from you no Wer.then 60 days after We sent you the fret brill on which the error or problem appeared: You can telephone us, but doing so will not preserve your tights. In your letter, give us theUowiig irfonmotik- Your creme arWA=unt number co 0 The dollar amount of the suspected error 0 Describe the error and explain, if you can, why you believe there is an owl. If you need more,information; describe the item you are unsure about You do not have to pay any amount in question wM,e we are investigating, but you are still obligo d to pay the parts of your big that are not in, question. While we investigate your question, we cannot report you as delinquent or take any action to coped the amount you question. Special Rate for Credit Card Purchases: If you have a problem with the quwkty of goods or services that you purchased with a credit card and you have tried in good faith b correct the problem with the merchant, you may not have to pay the remaithvg amount due on the goods or services. You have this protection only when the purchase pica was more Phan $W and the purchase was made in your horse state orwdhin 100 mules of your mama address: (If we own or operate the merchant, or 9 we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purc4hese.) Payments. Send w &y your payment and the top portion of the statement in the erhvelop provided. Do not send cash. By sendkg your check as described above. you authorize us to use information on your check to make and electronic hind transfer Gan your account at the inanel institution indicated on pip dieck arto.processtfte payment as a check sensection-If the payment is processed as an electronic turd Veralar, the Garroter will be for the amount of the check. When we use i fomhalion from yaw shad b make an: electronic And tree* kends maybe withdraMm from.yow account as soon as the sane day we recem.yorr payment, and you will not receive your chedtbed from your uncial krstipRan The Wew&%ngof you paymeotmaybe•deiaysd4(-yFw mid cash, ooaespe?rJertcea etherosim-withifour-paymennt; if yousenddhe payment fo-anys9neraddressor 9 yowtse an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any deywill be credited to your Aeeant as of Chet day. Payments received at our prooesskg facility after 5PM local time will be credited to yhourAcooul as of the next day. It you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, 11 -60197-61103. Please allow 7-10 days for dew If yok payments reMned iaupatd, we reserve the right to resubmN it as an electronic debit. You can pay yore minenum payment or a greater amount over the telephone, and you can set up automatic payments. Callus at 1M0.3472683. You will need ft statement and you bards account information. You mast ensure that sufficient funds are eve I" in your bank account, and all transactions must oomply with U.S, low! You will be asli ed. to provide the lost 5 digits of you account sMfemetht ZIP code. By entering those numbers as your efectronlo.signature, you will the agreeing b ihts aullioitzation toa m us and yar bank to deduct each payment you'suthorke from your bankeccouril. and to initiate debit or credit entries to your bank account as applk"..1o cared anion krthe pr cook, Q ofsuch Parent You must tall us the won of each payment, or you can soled Ian amount .such as Mnirxm Payment Dn or the New Balance on oedh dolement: You can cancel a payment however we must receW notice at ko Owes business days in advance of the scheduled payment You may notify us by phone al 1800-347-2663 or by mail at the address fisted in the previous paragraph. If your parents may vary in amount we will tell you on each mmorift statement when your payment will be made and how much it will be.. You Automatic payment amount may be less than the indicated on the monthly statement based oweredits or paymertla applied.ddting the Wring cycle.. Credit Reporting. We may report inforrsdon about your account b credit bureaus: Late parents, missed payments, or o6her.defeults phi pair aceourhf may be.mlkW in your credit report. We normally report the.slatuis and payment historyof your Account b credit repa4rtg egemiies each martin. 9you believe Met our report is inacc rate or icom fete, plcese wtke usat the foMowing addmss:Ofsoover, PO Box 15316. Ydimitgton, DE 19851)-5516. Please.inckrde you name, address, home telephone numberatd Account mxnber PERk7DIC.F)NANCE. CHAGES. Periodic Rience Chargea are imposed octal kansadionii from to date the.6ansncdcm s posted b yotrAcmunt until the data you pay your entire New Balance. by making payments or receiving credits. However. we will provide the 1gK aV'grace period If you paid the New Balance on your Pervious tiling statement by the Payrrrent Due Dale shown on that statement and you pay the New Balance bythe Payment Oro Date of Ins statetent we will riot impose Periodic Fir!an Charges on new purchases, that is pnrdsses first appearing on this statement Otluaw ise. you will receive a bMV stamen next month tot includes Periodic Firence Charges on those new purchases. Thee is no grace period of balance transfers or cash advances. We oat your rdansediota kdo groups of purchases, cash advances, and balance transfers and than f r6rersorl die transadtiors within each group by theirAmaml Percentage Rate. For example txrd>eses vbpd b a promotional rate and purchases subject to standard tee would be groups. we refer tolreae ads as tramsection categories. At the. end of each billing period. We compule Periodic finance Charges for each day of thetilbrg period for each trarsadiai.calaM. We we the$fa INN equation to wmpute Periodic for each transaction category . Average Daily Balance x number of days in the 1sTatg period x Daly Pabdie Rate. (See the frence charge summary an your statement for these -amounts.) Then we eddup ft eenoc6c.Fa:ertoa Chagas for eachhamadim categaytagelthelotal 2e okfirtsnw-Maiges fa your 9woW_TLa_averege fa7y.Salem l.. . shown as zero A, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (mduft new transactions) MOW of calc ld% the balance upon which we impose P-dic Finance. Charges. We :compute the Average Daly Balance for each transaction category by adding up all the daily balances in a billing period fora transaction category and dividing the totat_by the number of days in.tha br?btg cycle. . We compute the d* balance for each transaction category on each day by first adding the Mmamg to the previous days daily balance, "reactions eactions made OW day, feaffidnaged that day and periodic Faience Charges accrued on that day. H a transaction is pasted to yaw Account after the close of the billing period in wlech it occurs, we will treat the transaction as having occurred on the first day of the billing period in wdrich it is posted to your Account. NI fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Marges-which are added to the applicable cash advance transaction category and Balance Transfer Trertsactim Fee Finarce.Charges which are added to the applicable balance tonsillar transaction category. When the special role expires., we move the unpaid balance of he balance transfer and the Balance Transfer Transaction Fee F!narroe (Merges b the standard purchase transaction category. However, N the special rate has been terminated udder the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category "ate special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, call 1-800-347-7449. Discover may monitor andlor record telephone cab between you and Discover representatives for quality assurance purposes The Discovers card is issued by Discover Bank, Member FDIC, ctober :ex, auuo Please mace check payab'e'o Discover Platinum Card. You are overlim it. Pa the sum of the monthly minimum payment pus the overlimit amount of $357.95. 23 SDSN6A02 0025640 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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.cornlpaperiess. PO BOX 71084 11111111611 CHARLOTTE NC 28272-1084 11111111111111611111111111Rill 1111,11111111111gill 1111IF11111 000001986618254696102066579500000000036700 Discover Platinum Card Account Summary Closing Date, September 23, 2006 page 1 of 2 Account number ending in 2472 Previous Balance $6,420.00 Payment Due Date October 22, 2006 Payments And Credits 0.00 Minimum Payment Due $367.00 Purchases + 78.00 Credit Limit $6,300.00 Cash Advances + 0.00' Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance CbaMes + 159.95 ! Cash Credit Available $0.00 New Balance - $6,657.95 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 13.96 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 13.96 CmIliback-Bonus9-Anniventiry ---------- ------------------ Month: August How Can We Help You? p I . Visit Disco, ,com to pay your bill for "° `est, view our l A f s It's your choice - 3 ways to help atest ccount in ormation, earn and redeem reward and more 2. Call 1-800-DISCOVER (3.47-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, SaH Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/miscellaneous Sep 23 Sep 23 OVERLIMIT FEE $ 39.00 Sep 23 Sep 23 LATE FEE 39.00 !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. --------------- ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION *******Your account is past due. Please pay the post due amount now, or contact us to make other j arrangements. Important Information. If there is more than one page to this billing statement, Gee the back of each page for addiGarel.impoMant i knmetion. See your Cardmember Agreement. Your Cadmemberagreement contains all the terms of yourAacourd. Lost or stolen.eards. Report inanedietefy! Can 1800347-2683. Billing RWft Summary. In Case of Errors or Queslians About Yaw Bit: u.you titnhk.your bill is wrong, or if you need more thrmaton about a h'erlsetA m on your bill, write us 04. 0 separate sheet of paper at Discover, PO Box 30421, Sak Lake City. UT 84130.0421, as soon.as pas". We must hear from you no hoer than 60 do" after we sent you the fat bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us #0 following ii&rmatien: Your name and Account number The dollar amount of the suspected aura • Describe the error and explain, 9 you can, why you believe there is en era: If you need more information, desatbe the item you are ungtre about: You do not have to pay any amount in question white we are invesligeting,bid you are stilt obligaited to pay the parts of your billthatare not in question, Mile we Irivestigete your question, we cannot report you as dekrrstent or take any action so collect to amourdyou question. Special Rate for Credit Card Purchases: N you have a problem with the quaky-of goons or services that you purchased with a aadit card and you have tried in good faith to correct the problem with the merchant, you may rat too to pay to remaining onourd due on the goods or services. You have tints protection any when the purchase price was more than $50 and the purchase was made in your tame state or within 100 miles of your imaft address. (If we own or operate the merdhoK'or 0 we mailed you the.advertiserihait fordhe good or services; all the purchase are covered regardless of the amount or location of the purchase.) Payments: Send only your paymentend Cue top portion of the statement in the emvebp provided. Do netsett4 rxahn..By sendiing yourchedr as described dpm youatr Piz& us to use item Dion on yar check to make muted electronic fund I antler from your ehxhotrd at i hs financial insMulim indicated on your chock or to pmoess the payment as.a thick transaction, If Ore payment is processed as an electronic kind transfer, t to transfer YAI to for to amount oftta check. VW=weA" i kinne6on.from your *)ad to make ah: electronic find transfer, funds may be wittdrawm from.your account se soon as the same day we receive your payment; and you will not receive your chedcbeck from your 6nenaal institution, ? - - _ The pracessingof your paymcentrwaybedelayed ifyou sendcash, co respondenmoralhw4l au wAhyour paynneM,- f jou send to payment b s *Ww address orAyou usean. - envelope other than the one provided. Payments received in proper form at our processing Wily by 5PM local time on any day will be creddad to yourAccout as of that day. Payments received at our processing facility after 5PM local tens will be aedded b yorA=tffd as of the meld day, N you have misplaced yon anvebps,_ send yourpsyment to Discover, PO Box 6103; Card Stream, IL 60197-6103. Please allow 7-10 days for d*iery. H your paymerd is rebrned.uipeld, we raw" the right to resubmit R as an electronic debit. You can pay your minimum payrrnentor a greoreraihount over the leleplofna,.erhd you can set tip automatic payments. Coil us at 1.8003412583. You will needdtlesstalement and your bank account information. You mW ensure that su>lliaent funds are arable in.your bade account and all hanaactioris mmi mq* with U.S. taw. You will be **W to provide the fret 5 do of you account ste»entad Zip code. By entering those himbers as your electranic.signedre: you'wl be egroeing to this iMor&s9n to "us and'your borhk to deduct each payment you authorize kin your Imnk;aarount, and to inrbate.dedt or as* entries to.your bank amount, as appflo ", fo correcterror in the processing of such payrscern. You must fell us the amount of each payment. or you can soled an amount such as Minimum Pepnenf lure or the New Balance on eadn stefenrad You can cancel a payment, however we must receive nice at last three business days in advance of the scheduled payment. You may ratify us by phone of 140.341,1683arbymsa at #* mess hated In the previous paragraph. If your payments may very in amounfwe will tea you on each monthly stekment whets your peyanenl will be made and hiw much itw1T be. YourAutomelic:payment anno u t maybe less lim the indicated onto monffi y sMtemad based m credits orpaymads appied `firing the billing cyder. Credit ReporOng. We may report idci mabm about:your.accouint to credit bureaus. Late peyinen s, waned payments, or other Matilla.an.jour sooamt maybe. reflected al your' credit report.. We normally. report he status and payrnwd history of you Account to recd repahing agenaes eadhmpth. If you believe that out report is ihecaante.or irhoanpiate; please write us at the following address: Discover,: PO Box 16316, Ydffkgton, DE 1 16. Please induce your nemme; address. home Wophorte rnrmher and Account nuxmber PEMODIC FINANCE CHAGES. Periodic Finance Charges are imposed on at hansatillons from the doe the. transaction is posted to,yonrAlwdunt urAd fie dateyou pay yrxu. ernore New Balance, by malmhg payments or receiving aedfls. However v e will provide the feflowilg grace period'f It you paid the New Belernce on your pervious bOV sWerneat by the PaytneM Ore Date shorn on tlnaf statermherd and you pay the New Belem by to Payrttent Ore Date on this ateoernadwe wall not impose PaiorcFnanca Cfiargs gn new purchases, that is, purchases firslappewing on !this statement. Otherwise, you A receive a bifag statemad next moA that includes periodic Fhmce Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sat your transactions into groups of purcases, cash. advances, and bolmoe translate and than further sort the transarfions wi t each group by. their Aranrrel PKce tage Rate. For example purchases subjed b a promotional rate and purchases vJ*d to standard rate would be separate groups. We refer to these¢etrpe 58 trer"clion a+tegories At the: end of each billing period, we comprdo Periodic Flnerice Charges for each day of the bft period for each transaction allegory: We we to Nowirg equation to cernp t Periodic for each transaction category. Average Daily Balance x number of days in the IxTatg pmIx Dally/ Poock Rate. (See the finance charge armory on yaw swerperk.for these am«pots.)Jt>Bn.rraaa9tgithePerivdic.FsrtartceS?rmrges.fairaach.ka4sa?hsatagoryteyrJttKt??P?dicFa+ahceC?9eslwyotr.AorahaN.TttattvetageDestyfielanc?e.is - - shown as zero t, because of She grace paW, rw Periodic France Charges apply b the bow" in a fraasection. category. We too the Average Deily. Balance (including new transactions) method of amto hating the balance upon which we impose Periodic Fiuenoe Charges, We eormpule thwAverege Daly Balance for each ttarhsacdon category by adding tip all the daily batanees in. a baling period for a trionsection category and dividag the meal by the number of days,n.dhe.biNng cycle. We W np<da the daily balance for each transaction category on each day by first wining the tGowig to ft previous day's daily, balance, transactions made that day, fees charged that day and Paiodic.Fhorice Charges accrued on that day. 9a transaction is posted to your AowuM after the dose of the billing period in which it occurs, we will treat the transaction as having occurred on The hind day of the billing period in which it is posted to your Account. Ali tees charged to your Account are added to the standard purchase transaction catepyPwith the exception of Cash Advance Tronsactial Fee Finance Charges whiih we WM to the applicable cash advance ra section category and Below Frander Transaction Fee Finance £hargeswddch are added lo: the applicable balance 4gnsfa transaction category.' When the special rate expires, we. move the unpaid balance of the balancetransfer and the Bolarrte Transfer Tronsedrrt Fee Finance Charges to the eadad purchase irensactiorh category. However, if to special rate has been temnbhated under the Do" Rate Plan, we leave the unpaid balance of the balarua Handle and the Balance Trawler Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired, For TDD (Telecommunications Deviator the Deaf) assistance, call I- 0.347-7449. Disoever may monies endlor record telephone cos betwreen you and Discover representatives for quality assurance purposes The Dhscover° curd is issued, by Discover Bank, Member FDIC. 23 SDSN6A02 0025641 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 Novemaer zz, zuuo Pease make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amounl of $596.4 1. Go paperless and make your account information more secure vnth password- protected statements only you can access. Learn more at discover.aornlpaperless. Address, e-mail or telephone changeg 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 11111111111n11{11{I11I1I1I CHARLOTTE NC 28272-1084 1111111111111111111111111111311111111n1111111111 1111111111111 000001986618254696102068964100000000054300 Discover Platinum Card Account Summary Closing Date: October 23, 2006 page 1 of 2 Account number ending in 2472 Previous Balance $6,657.95 Payment Due Date November 22, 2006 Payments And Credits 0.00 Minimum Payment Due $543.00 Purchases + 78.00 Credit limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance charges; + 160,46 'Cash Credit Available $0.00 New Balance = $6,896.41 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 13.96 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 13.96 -:-CashbockBonus®-Anniversaly------------------------------------------------------------------------------------- Month: August How Can We Het You? I • Visit Discover.coln to pay your lAl for no cost, view your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coll 1-800-DISCOVER (347.2683) for fast, easy selhservice 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 Safi Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence T?Dates Date 01her/Miscellaneous Oct 23 Oct 23 OVERLIMIT FEE Oct 23 Oct 23 LATE FEE 39.00 39.00 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. ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION **********We previously requested the post due amount on your account. We have no record of :receiving payment. The amount due should be paid at once. Important Information. If there is more tree. are page to this tB4ng statement, seethe back of each page for additional impaterit information. See your Cardmember Agreement. Your Card»embor agreement contains all the terms of your Account. Lost or stotmh:wds. Report immediatelyl Call 14M347-2683. Oiling Rights Summary. In Case of Errors orQuestionsAboutYourOilt Ifyou think your bill is wrong; or. N you need more information about a transaction on your bill, write us oms separate sheet of paper at Discover, PO Box 30421, Sall Lane City, OT 84130.-0421, as soon as posses: We marsh hear from you no later fi mh 60 days after we sent you the first bit on which the era or problem appeared. You can. telephone us, but doing so will not preserve your rights. In your letter, give us the fallowiiv information: • Your name and Account number The dotter amount of the susperxed.era Describe "Anon and explain, if you can, why you believe there is an env. If you need more information, describe the item you are unsure about. You do not have to pay any amasht in question wtule we are i vestigating, but you are still obligated to pay the parts of your bill that are not in question, Me we investigate your question, we cannot report you as dek gherd or take any action to coled the amount you question. Special Rate for Credit Card Purchases: t you have a problem with the quetity of goods or services that you purchased whin a credit card and you have bled in. good faith b cared the problem with the merchant, you may not have to pay the remaihing amount due on the goods or services. You have this protection only when the purchase trice. was more thahh $50 and fie purchase was made in your home state orwithin 100 miles of your mailing address: (If we own or operate the merchant,'a if we mailed you the. advertisement borthe good or services, at the purchase are covered. regardless of ft amount or location of the purchase.) Payments. Send onlyyour payment and the top portion of the statement in the erivebp provided. Do not send cash. By.sending your check as described above, you authorize to to useinfornatah on your chookAD make AM de*o is find transixfrom your account at the financial'suttution indicated on your check or to process the payment as a check tansacton.titheliepwitisprocessed atanudeoWiloitahdhsrhsfer.tokenderviii! befortoamomUOtthedw*-Wtia we use ahfoanatonfrom your cha*tomake on. elecironn Wind transfer, funds may be withdrawn from.your aooamE as soon as the same day we receive your payment, and you Will not receive Mr check.bacc from your financial ins4luton. The prooessing.of your payment maybe delayeda-you send cashhruxxraspordeaoe or other AwswiOhYour?ayamemt if yousendthe paymentso-any otheraddrassor if yowrte an - - envelope other than the one provided. Payments received in proper form at our processing facility by.5PM local lime on any day wwil be credited to your Amount as of that day.. Payments received at our processing Wily after 5PM local ems will be credited to yourAecarmt as of the next day. if you have misled your envelope, send your payment to. Discover, PO Box 6103, Card Stream, IL 601974103. Pleas slow 7-10 days for delivery. If your payment is returned:unpaid, we reserve the right to resirbtrnt ilas an electronic debit You can pay your mihnurrh payment or a greater ornount over the telephone, and you can setup aubmatc payments. Cal us at 1.800.3472683. You wil need this statement and your bank account irdamafan. You must ensue that sufficient, funds am available in your bank amorist, and al kanseclow mmstconq y with U.S. law-You wR be'asked to provide the frost 5 digits of yam acocurht steierrent ZIP code. By en" those nu tubers es•ynur etsctavc signature: you vat be agreeing to this authodration to dhow us and your bank to deduct each payment you authorize from you. bank amount, and to iinh"bab debit or credit euutrias to your bank account as apo;cable to cared error in the processing of such. payment You must tell hs the emohid of each payment, or you can select an arnotiht such as Minimum Payment Due or the New Betarm on each statement. You can cancel a payment,however we must receive notice at least three business days in advance of the scheduled paymerht.You may rafiy us by phone at 1.8"7 2683 or by mat at Ore address listed in the previous paragraph. t.your payments may very in amamt we well tell you on each monthly statement when your payment wil be made and hour much it will be. Your Automatic payment amount may be )am to the indicated on the nw* statement based on credits or payments applied dying the billing cycle. Credit Repodirg. We mayFeport irhfodrretiah abohd.your account b acct bureaus. Late payments, rtissed peynhenta, a rhter oefau>bs Halt you accourht may tie reterled nyour credit report. We rhorrrety reportha status and payment h`hsbhy of yam Aixxhirht to creddreporbng egsniies each matUF, if you believe that orK.repafs ireuurate.a inoanplese, pleasewrite us at the fdlourrirg adrfresa: Dboover, Po.Box 15316, Wtmin?oni, !)f 1 16. Reasa itho;kde yam nan>e, atldreas, hone telephone rhirhbu:i ardAox>ourht nhshtber. PERIODIC FINANCE CMAGES. Periodic France Charges are imposed on all transactions from the dete the transaction is posted to your Acccunt url the dab you payyohrentie New Balance. by making payments or reoeivng credits. However, we wil provide the blowing 'grace period' If yoypaid the New Balance on your pervious biig statement by the Payment Due Date shown an dostawment, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new purchases, that Is, purchases fast appaning on this statement. Otherwise, you will receive a bung statement red month that irdrdes Penodio France Charges on ease new purls. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, mid balance transfers. and then further so the transactions withi i each Wotq) by their Annual Percentage Rate. For exemplepxrchases sd*dto a pdanotiawalrata and purchases subject to standard date would be separate groups. We rder to*meWoupe as transaction oatego". ft the and of each billing period, we comQvAa Periodic Finance Charges. for each day of the biting period for each transaction category. We use to blowing equation to compute Parloft for each f isacten category. Average Dely Balance x number d days n the bhl(np periodx Daly Pemoft Rate. (See the fkerae charge st maw on your statement for these -mhtahMsJ ilwe?wxe addLup ttwg eeriszdc.C-fnance_Cbm9as taeadh?ansactiom cele9orxt2getlhe tic Fxanc?e Clwarges Cflryouwu 9csouol Tbeaveregs Daly Belanc?e is - - - shown as zero If, because of the grace period, no Perok France Cb$W apply to the balance in a transaction category. We use the Average Daily Balance fi ndurfing raw tansadions) meted, of calculating the balance a porw.which we. Impose Periodic Finance Charges.,4ye compute 1heAverage Deily . Balance for each transaction category by adding up all the daily balances in a bung period for a transaction category. and_div&C to WW. by the number of days-in the biting cyde. We eanpute the daily balance for each transaction calegoryon each day by fist addling the blowing to the previous day's deify balance, transactions made that day, fees charged that day and Periodic Fiance Chetges accrued on that day. If a transaction is pasted to you Account after the dose of the tiling period in which it occurs, we wit treat the transaction as having occurred on to lrstday of the bifirhg period in which it is posted to your Amount AN fees caged to your Amount are added to the standard purchase transaction category w&:#* exception of Cash Advance Transecton Fee Finance Charges which are added to the applicable cash advance tmusection category and Balance Transom Transectiorh Fee Finance, Charges which are added to.the applicable belenoe.transfer transaction Category, When the special rate expires , we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges to the stathderd purchase transaction category. However if he special. rate has been terminated under the Default Rate Ran, we leave he unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expred. For TDD (Telecommunications Device. for the Deaf) assistance, call 1.800-Ul-7449. Discover may monitor andlor record telephone calls belween you and Discover. representatves to quality assurance purposes The Discovers card is issued by Discover Bank, Member FDIC. uecernoer "' `uvo Please make check payable to Discover Platinum Card. You are overlim it. Pa the sum of the monthly minimum payment plus the overlimit amounl of $2,47.62. 23 SDSN6A02 0025642 MORRISON, SHARON L Go papefle3s and make your account information more secure with password- 243 MEALS DR protected statements only you can access. CARLISLE PA 17015-3183 Learn more at discoverconr/paperiess. 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 11111111111 CHARLOTTE NC 28272-1084 I?rlrllrrlrrrlrllr,rlrrlrlrrrllllrrtlrrlrrl?rlirrlr?lrrirlrrll 000001986618254696102065470200150000019700 Discover Platinum Card Account Summary Closing Date: November 23, 2006 page i of 1 Account number ending in 2472 Previous Balance $6,896.41 Payment Due Date December 22, 2006 Payments And Credits 550.00 +Minimum Payment Due $197.00 Purchases + 39.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance Charges + 161.61 Cash Credit Available $0.00 New Balance = $6,547.02 You may be able to avoid Periodic Finan ce Charges, see the reverse side for details. Cashback 13 muse Opening Cashback Bonus Balance $ 13.96 New Cashbock Bonus This Period + 0-00 Cashback Bonus Balance $ 13,96 ;Cmhback-Bonus® -Anniversary -------------------------------------- ---------------------------- Month: August Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categones throughout the year and up to 1 % Cashback i Bonus on all your other purchases. How Can We Help You? p I . Visit Discover.cotn to pay your 691 for no cost, view your latest Account information, earn and redeem rewards and more our choice - 3 ways to help ;It's 2. Call 1-800•DISCOVER 1347-2683) for fast, easy self-service y 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 i Transactions $0 Fraud Uabilily Guarantee Use your Discover Card with confidence. Trans. Post Dab Data Payments and Credits Oct 24 Oct 24 PAYMENT -THANK YOU $ .400,00 Nov 22 Nov 22 PAYMENT • THANK YOU -150.00 C+Iher/NhsceUiineous-- i46v-23--Nov23--OVERdlvltl`FM --------------.39:00 ;Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FWNCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2530.01 0.07942% 28.99% F 28.99% $62.28 $0 Promotional Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $4034.71 0.07942% 28.99% F 28.99% $99.33 $0 The rates that aooiv to your Account are either fixed (F) or they may vary NI as noted above. Important Informad m. If there is more than one page to this billing statement. seethe back of each page forednttionat important inramation. See your Cam9nember Agreement. Your Cardmernber agteemaht contains all the terms d yourAccounL Lost or stolen.cards. Report immadistelyl Call 1804347.2683. Billing Rtghts Summary. h Case of Enos or Questions AboutYour Bill'. If you Ounk.yoir bill is wag; or #you need more information about a tresection on yaw bill, write us on a separate sheet of paper at Discover, PO Box 30421, Sak Lake City, UT 841340421, as soon as possible. We must hoer from you no later than 60 days aft we sent you the first bill on which the am or problem appeared. You can telephone us, but doing so will rot preserve your rigthts. In your Istter, give us-the following Rtomretan: • Your name and Account number • The dollar amount of the suspected emor • Describe the.error and explain, 9 you can, why you believe there is an aster: If you need more infrmation, describe the item you are. unsure about. You do not have to pay any amount in question while we are awestgatag,.but you are still obigeted to pay the pad of your till that are not in question. While we inivedgate your question, we cannot report you as delinquent or.Ww any add-on to coact the amount you question. Special Rah for Craft Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in good fahth to correct Ifhe problem with the rneric anL you may not have to pay In remaining.anmtnt due on the goods or services. You have this protection ally when lire purchase price. was more than $50 and the pure ass was me& in your home state or whin 100 miles of your mating address. (If we own or operate the merchant, or if we maW you the advertisement fa the good or services, all the purchase are covered regardess of the amount or locatorr of the purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do rat Sand cash. By sending your check as described above, you authorize to to use information on yorrdnedc to make and electronic fund transfer from your account at the financial inslAuton indicated on your dheck'a to process tie payment as a decd Vansaction. If to payment is processed wart electronic fund transfer. the bander will be for Ore amount of the duck. When we use kAamdion fmm yawdhack b make an' electronic AM transfer, funds may be withdrawrOnom.you amount as sum as the same day we receive pr payment, and you wit not receive. your dhedrbedc km your htanciiril institution. --- TheprecesaargofymMtnentimaybodeleyedif•youwW-cesl%wrespondetwoi,edwitemawihyompeyment,4yeusenrftrepaymentbonyelheraddreseoriTlrouuseen envelope other than the one provided. Payments received in proper form at our prooming facility by 5PM local time on any day will be credited b y o rAcoa nt as of that day. Payments received at our processing facility aka 5PM local time will be credited to yo rAccahat as of the next day 9you have misplaced your emidope,. send your payment .to. Discover, PO Box 6103, Carol SVeam, IL 601974103. Please allow 7-10 days for doivety. If your payment is returned unpaid, we reserve ft right to mwbn* it as an electronic debiL You can pay your minimum payment or a greater amount over. the telephone, and you can set up automade payments. Cdl us'at 18043472663. You vA need lids statement and your bank account Womaton. You must won that afiiaert fands are available m yo r bank account and all transactors moat compywiih U.S.IeW,Yon will beasiretl b provde the fist 5 digits of you account statemert W code. By We* tirm numbers as yo relecannicsigral re, you A be agreeing b. his cut hodzatim to allow us wind your bank to deduct each payment you'authaize from your bank aocomt, and to Initiate debit orcrearentries lo your be* aaxhunt, as'applicable, to =red ertar. intto p poasskg of such payment You must tell us the amount of each payment, or you can select an amount such as Mii inaun Payment Due or the New Balance en each statement, You can cancel a paymerg, however we must receive notice at iewt- tee husiness.days in advance of line scheduled payment. You may no* nor by phofs of 1800347-2683 or by Mai at the address listed in the previous paragraph. if you payments may vary in amount we will M you on each monthly statement when your pdymat will be made and how muds it will be. Your Automatic paymnt amount may be less then the indicated on the monthly statement based oho.credds or paymeift applied hang the NOV cycle: Credit Reporting. We may report mbrmalion about your account is credit bureaus. Late payments, missed peymerta, or other defaift.. en'Your soomni may be.re6eded in your credit report. Wei normally report the status and payment tnsbry6f yawAccount to credit fepor".agarsiaea each month, Hyou believe gnat our report is nscaiats or nbompleft please write us at the following address: Discover, PO.Box 153116, Wilmington, DE 198545316. Pam include your name: address, hang teteplwthe number and Account number. PERIODIC RNANCE CHASES. Periodic Fnerice Charges are knposed on all bermadions from thhe.date the trarnsectIM is posted to yourAeaount uUi the delayhu payyor erne New Balance, by mekrhg payments or receiving credits. However, we wait provide the blowing grace period' Ifyou paid In New Balance on your par i us billing statement by the Payment Due Date Whowri on ft statement, and you pay the Now Balance by the Payment Due Dote tint lira statement we will not impose Pmb& Finance Ch urges on new purchases, that ispudhesea fret appearing on this statement Otherwise, you.wO receive a biting statement next month that inckidoe Periodiofinanw-Chages on those new, purchases. There is no gram period on balance transfers or cash advances. We sat your Vahsadiors into groups of purchases, cash advances, and belamos VwWm and then tustuer.sat the based ions w#A each group by theirAwai Percentage Rate. For example purchases; subject to a promotional rate art purchases abject to standard rate would be separate groups. We refer to these groups as transaction datagaas. Attie. end of each billing period. we oanpule Periodic Fnencce Charges for each day of to bs75rg period for each Vasedion category. We we to blowing 6watioirto compute Periosic for each transaction category. Average Dally Betahdhe x number or days in the biting period x Galy Periodic Rate. (See the finance dange summary on your statementbr these amcunls-) Thensve add up-Weri xkFi ence Charges. foceach VanseciaLcalepdyd to Vet the local Perio&Finan oe Charges.la your Account. The average-DailyBalance is. shown as zero t, because of the grace period, no Periodic France Charges apply to the balance in a Vasaction category. We use to Average Daly Balance (ahdudkg.new trasactim) rrattad. of calcula ft the b9mce upon which we inposa Pdaiosfic F=inance Changes. Wis compula the Average Daily 8slancce for each transaction category by adding up at the daily batarms in a billing period for a transadiwh category .tort dividing the btat by to mimbw of 4sy%n.the tolling Cycle. We canhpute the dairy balance for each transaction category on each say by first adding the following to the p emus days daily balance, transaction made tatdey, fees ehaged that day and Perocre France Charges accrued on that day. If a transaction is pushed to yarAcoohnt after the dose of the billing period in which it ocahrs, we will beat the transaction, as having ouxxured on the Irst day of the biting period in which it is posted to yourAcoount. All fees charged to your Aommt are added to the standard purchase frassedion categorywith the exception of Cash Advance Transaction FeeFnance Marges wft are added to to applicable testa advance transaction category and Balance Tranhsfer Trensad W Fee Fnence.Ctarges which am added tote appTidable balance transfer transaction dxtegory. V then the special rate expires, we move to unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finin e.Charges to the standard purchase transaction category. However, it the special rate has been temunated tinder the Default Rate Pan, we leave the unpaid balance of the beiahce trarhsfer and the Balance Trsn*r Transaction Fee France Charges in the appicable transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, call 1-804347-7449. Discover may monitor wdhor record teophorha caps between.you and Discover representatives for quality assuraryce purposes The Discovers card Fs issued by Discover Bank, Member FDIC. 23 SDSNSA02 0025643 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. 000001986618254696102067828200000000037000 Discover Platinum Card Account Summary Closing Date: December 23, 2006 page 1 of 1 Account number ending in 2472 Previous Balance $6,547,02 Payment Due Date January 22, 2007 Payments And Credits 0.00 Minimum Payment Due $370.00 Purchases + 78.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Kash Credit Limit $4,725.00 Finance Charges + 157.80 Cash Credit Available $0.00 New Balance $6,782.82 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 13.96 New Cashback Bonus This Period + O.Od Cashback Bonus Balance $ 13.96 Cuslrbazk'Bonos?-Mntversctry------------------------ ------------------------------------------------------------ ;Month: August ;How Can We Help You? I. Visit Discover com to pay your bit for no cost, view your l t i f ti d d A d d ;It's your choice - 3 ways to help a est ccount n orma on, earn an re eem rewar s an more 2. Call 1.8000I5COVER (347.2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager ,For TDD {assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Darts Date ;Other/Miscellaneous Dec 23 Dec 23 OVERLIMIT FEE $ 39.00 Dec 23 Dec 23 LATE FEE 39.00 ;Information for You ;***ATTENTION*** Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 1 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE F14ANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days January LL, svvi Pease make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $482.82. Go paperless and make your account information more secure vAth password- pprotected statements only you can acces,;. Learn more! at discover.conUpaperless. PO BOX 71084 Illra,il,rlrtill IIIIIIII111 CHARLOTTE NC 28272-1084 If11911rr1rrrl11111111111lritill) Innl1tlir11111111111irlrl1111 Purchases $2489.38 0.07942% 28.99% F 28.99% $59.31 $0 Promotional Purchases $0 0.07942% 28.99% F 28,99% $0 $0 Cash Advances $4133.59 0.07942% 28.99% F 28.99% $98.49 $0 Th., rntws thnt annly to vour Account are either fixes) IR or they, may vary IV) as noted above. important Information. If there is more than one page to this biting statement, see the back of each page for additional important information. on See your Cardmember Agreement. Your Cardmember agreement contains at the tens of your Account. W Lost or stolen cards. Report immediately! Call 1-ti00.347-2683. o Billing Rights Summery. In Case of Errors or Questions About Your Bib: If you chink your bitl is wrong, or if you need more information about a transaction on your bill, write us on a separate street of paper at Discover, PO Box 30421, Sell Lake City, UT 84130.0421, as soon as possl*. We must hear from you no later than 60 days after we sent you the Dist bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give a the following information: • Your now and Account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you befreve there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are slit obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rate 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 have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more then $50 and the purchase was made in you hone state of within 100 miles of your mailing address. (if we own or operate the merchant, or t we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your payment and the top portion of the statement it the emretop provided. Do not send cash. By sending you check as described above, you authorize us to use information on you deck to make and electronic fund transfer from you aomord at the fneruaat insthrbon indicated on your check or to process the payment as a check ransvolim If the paymewtis processed as an electronic bid trarisfa , the transfer wolf be for the amount of the chock When we use information Nom yawchedd to make an electronic fund transfer, fuhda may be withdrawn from your account as soon as the saline day we receive your payment, and you will not receive your check back from your financial insitutort TiF cssrug af?rohi pnl?nentmay}n dciryed 4 Tou-seutd a alt, earcrwncfecucorotxriren s vilh yourpoyment,ifyen send tlepayment to antyollw ad dresa or-ifyon risen- - envelope other than the one provided. Payments received in proper form at out processing facility by 5PM local time on any day will be credited to your Recount as of that day. Payments received at our processing facility offer 5PM local time will be credited to yourAcmunt as of the next day. If you have misplaced your envelope, send you payment to Discover, PO Box 6103, Card Streem, IL 601976103. Please allow 7-10 days for delivery. If your payment is retuned unpaid, we reserve the right to resubmit it as an electronic debt. You can pay you minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cat us at I-M-3472683. You will need this statement and your bank account information. You must ensue ttel sufficient funds are available in you frank account, and all transactions must comply with U.S. law. You will be asked to provide the ft 5digits of you account statement ZIP code. By entering thane nmbe+sesyour at"*** sigrature, you will be agreeing so this arrllhorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to you bank amount, as applicable, to correct error in the processing of such payment You must tell us the amount of each payment, or you can select an amount such as kiiniman Peymnent Due or the New Balance on each statement You can cancel a payment, however we n xW receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1400347.2683 or by trial at to address listed in the previous paragraph, If you payments may vary in amount we will tell you on each monthly statement when your payment will be made and how much t will be. Your Automatic payment amount may be less Oren the indicated on the monthly statenent besed on credits or payments applied during the billing cycle. Credit Reporting. We may report inform stio n about .your account to credit bureaus. Late payments, missed payments, or other defaults on your amount may be. reflected in your credit report. We normally report the status and payment history of your Account to credit r ing agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316. Wilmingtort, DE 1 a 16, Please include your name, address, home telephone number and Account number. PERMC FIRMCE CHAGES. Periodic Finance Charges are imposed on at transactions from the. date the transaction is posted to your Amount until the data you pay your entire New &"W. by making payments of mceruing credo. Hotnava . ne that provide the fotomrirg'grace pwvd"!f you paid the New Balance on yam perwous billing starlemerht by the Payment Due Dote shm on that statemertt and you pay the Now Balance by the Payment Due Date on this satement we writ not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on this statement. Otherwise, you will receive a biting statemerht next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sort you Vansectiors into groups of pxrcheses, rash advances, and befanoe transfers and ten further sort the transactions within each group by their Annual Percentage Rate. end of each biting period. we s compute Period Finance Charges eeac h day of the biting period for each vat category. We use the Wowing equation to compute Periodic for each transaction category. Average Daily Belanc- x me der of darn in the billing period x Daily Periodic Role. (See the finance Berge sunmary on your stafernent for these - ..?;»`s„ ?? uesuulcp idePeri rib:F.nar:: Cin }2ai"'4a:luan,.: Oac4rteyorytogetlhe_tnu>I_Pe:rtcFoanceLbagax.fer.yourAccount.Jhearrage.Daiy-"Oa sham as zero if, because of the grace period, no Periodic Finance Choiges apply to the balance in a transaction category. We use the Average Deify Balance (inckrd ing new rarua liar? method of calculating the balance upon which we wpm a Perfodhc Finance Charges. We compute the Average Daly Balance for each transaction category by adding up at to daily balances in a brig period for a transaction category and dwdng it* total by the number of days in the biting cycle. We oomfitile the Periodic inance for each transaction category on each day by fist adding Ux following to the previous day's daily balance, transactions made that day, tees charged that day and Charges accrued on that day. If a transaction is posted to you Account after the clue of the biting period in which it oocus, we wit treat the transaction as having occurred on the first day of the biting period in which it is posted to yourAccownt AN tees charged to you Account are added to the standard purchase transaction category with the exception of Cash Adverse Transaction Fee Fithance Charges oich are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges Mich are added to the applicable balance transfer transaction category. When die special rnte expires. we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category . Hamm, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges it the applicable transaction category until the special rate would have expired. For TDD (7eJecommunlcatons Devlce for the Deaf) ass)atance, call 11,801.347-7149. Discover may monitor araYor record telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. reAruarv zz, zuui Please mace beck payable to Discover Pla'inum Card. You aril overlimit. Pcy the sum of the monthly minimum??ayment plus the overlimit amount of $5,:8.71. 23 SDSN6A02 0025644 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. Coo paperless and make your account information more secure with password- protected statements only you can access. learn more at discover.conVpapertess. PO BOX 71084 I11111111111111I11111111111 CHARLOTTE NC 28272-1084 I1111I11II111111IIIII1111I11 111111111 till 11111111111111111 till 0000019866182546961a2068287100197aaaa353aa Discover Platinum Card Account Summary Closing Date: January 23, 2007 page 1 of 1 Account number ending in 2472 Previous Balance $6,782.82 Payment Due Date February 22, 2007 Payments And Credits 197.00 ,Minimum Payment Due $353.00 Purchases + 78.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 ;Cash Credit Limit $4,725.00 Finance Charges + 16A.89 'Cash Credit Available $0.00 New Balance = $6,828.71 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 13.96 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance 13.96 -CashbackBonusWAnnivursa ---------------------------•-------------------------------------------- ryr - - Month: August How Can We Help You? 1. Visit Dlscover.com to pay your L41 for no cost, view your latest Account information, earn and redeem rewards and more It's y0U( 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 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Oats Payments and Credits Dec 29 Dec 29 PAYMENT • THANK YOU $ -197.00 other/Miscellaneous Jan 23 Jan 23 OVERUMIT FEE 39.00 Jan 23 Jan 23 LATE FEE 39.00 :Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other 'Finance Charge Summary Nominal Transaction ANNUAL ANNUAL Periodic Fee BaLlgn a RRRaates PERATES RCENTAGE RATES GE CFWAISICE HARGES CHARGES ;current billing period: 31 days :Purchases $2462..46 0.07942% 28.99% F 28.99% $60.63 $0 Promotional Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $4234.91 0.07942% 28.99% F 28.99% $104.26 $0 Tt.n rntne thnt nnniv to vrvir Arrnelnt are either fixed IFl or thev mov vary (VI as noted above. -- - - .. __....____ ... ............ - - - _ ?..... Important Information. If there is more than one page to Ah's bill% statement, seethe back of each page for additional important i Ib motion., rn a See your Cadhrrember Agreement Your Cardmernber agreement Conteurs at the terms of yourAccounL co Lost or stolen:cardc. Report imme hileto Gall IA 347.2683. rn o Billing Rights Summary. In Case of Enos arQuestiats About Your ft If .you %*.yotr bill is wrong; or if you need more information about a transaction an your bilwrite us on,i o $eparate sheet of paper at Discorem, PO Box 3D421, Sek take Cky. UT 84130.0421, as soon as p;rble. We must hear 3nm you no War Ow 60 &P after We seal yon the frst b11 n°> on which it* error or problem appeared. You can.telepfwne us, but doing so will not preserve your rights. In your WIK give us.the.fo ill" information- • You name and Aocowt number • The dollar amount of the suspected error X v explain, if you can, why you believe there is an erne Nyau need more information; desaitie the item you are unsure atxuik • Describe the error and You do not have to pay any amount in question while we are itmkstigati?, but you are atilt obligated to pay the parts of you bill that are not in question, While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Purchases. N'you have a problem with the quality of goods or services that you purchased W&a asdd cemd and you have tried in good faith'to carrel the problem with the merctarnt, you may not have to pay ft remaining amrxntdue on the goods or services. You have-this protection only when the.pi rchese price was more than $50 and the Purchase was made in your home state or w" 100 miles of your maJirrg address. (If we own or operate the marctaht,'or if rive mailed you the,advertisament for the good or services, all the purrfiase are covered regardless of the anoint or location of the purchas4L) Payments. Send only you paymardand tine top Portion of the statement in the envelop provided. Do not send cash. By staring your check as descrned.above,you'aitFhorrze us to Use ntOnnaiwrl on you tick to make and elealronic l nd transfer from you scooted at the fnazmabl institution in dicated on your d" or.b prooass the payment as-a checc Veras fion.Iftinepaymertisprocessedasan oritctendtrarder,Oletranmtferwilbelotftamontafttsdteoli WtWvaweint mwinot bmymdaikismakean: 6echonic fund transfer, funds may bewMWta*n from.you account as soon as the same day we receive your payment, and you Will not receive your chedctoadc from your financial institution. Theproxssingaf You pVinaatanyba islayed d-ywr send cash cooespondsace or otnerAems-valh4ourpaymant, d you s endthe payrrmgki any otlwr-addressor Iyouuse an - emralope other than the one Provided. Payments received in proper form at our processing facilk by 5PM local time on any day rrit be aedked b yourAceou t as of 4W day.. Payments received at our processing tea'Bty after 5PM local tine will be credited to yotrAc=A as of the no day N you have misplaced your envelops,: send your payment to Orsoover, PO Box 6103, Carol Stream, IL 601976103. Please aicw 7--10 days for delivery. If your payrnerd is rehreed.trpad, we reserve the oft to resubmit d as an elecbork debit You can pay your-minimum payment as greater amount over the telephone, and you cell set up automatic payments. Cal us at 14011.3472683. You will need this didet it and you berdc.aoco nt niamation. You must own that a ffident funds are available in you be* armmant, and at tra imoti cis must comply with U.S. Mw. You will be asked lo provide ; the fsst 5 digks of you aowud statement Zit' code. By tmtemig those members as your dK4on is sigrnature: you wt beagiesing to this anilhor¢etion wallow us and your bank to deduct each payment you'auAtoize (rom.yarc hankeo wont, and to ititiste debit or credit efiiies to your bank account, as applicable. lo correct amorin'the processing of such payment You must kill us the amount of each payment, or you can select an amount such as fdnim rn Payment Die or the New Balance an each liblementYou can cancel a payment. however we must receive notice at least tree business days in advance of the scheduled! payment You may ratify us by phone at 1-004347268 for by mail at the address listed in rim previous paragraph. Byer payments may vary in atwud we will tat you on each monthly statement whenyora payment will be meds and how much kwill be. Your Ahdomalcpsyimere amount may be less.l hen the indicated on the mo di iyskilement based on credits or payments applied during ft bUft cycle. Credit ReporNtng. We may repel n[ormetiat about:you aticount b aeddbueaa Leta peyfnahts, missed pey[mnanls; or other t1t>kiurks on you etx>ouiri racy be retailed nyou- cre6t neporl. We normally report Bar sMbx and psymem hisloryof yourAdoount b aedd?orAng.agerades each mordh, N you berw4 fhd Cur leper la kreocueN o noanplete; please write us at the tdlowing address: Dhirwver, PO Box 15316. Wlrrirgton DE .1g 16. Please include your now, address home:Wephone numbeiraidAccartt number . PERIODIC FNMCE CHAGES. Periortic Fnitance Charges am imposed on all tansadione from the do to,, trartasioGon ispoided b yourAoocurd uNd the date.you pay your entire New Balance, by ntskpg payments or receiving aedils. However. we will provide the locoing "grace paled If you. paid tfa New Balance Oil your pervious Ming swierment by Are Payment Due Date shown on that statement; and you pay the New Bafenoe by. the Payment Ous Date on this sdelemrent we will rot impose Periodic Finance Climes on new purchases, that is, purchases fast appearing-on this stelerrnent Otnardse,.you will receive a baling statement Hatt mtotdn plat inckdes Periods Framaoetherges on those new purchases. There la no grace period on balance . tramcars or cash advances. We sat your transactions into groups of purchases, cash advances, and balance tandere.and Ahem further sort the trorhsadions wtthn each group bytheirAaanl Percentage Rate. For axarnpie pudases subjed to a promotional rate and purchases; subject to standard rate would be s epirm groups. We refer to thesewaps as trarnsectiorn categories. At the end of each billing period. we co mipule Periodic Franae.Charges, for each day of the lxllrtg period for each Vansactiah caleM. We use Ahe bl oNittg etfnation to cotrpnrfe Paio& for each transaction category. Average Daily Balance x number of days in the billing period x Daily Perfocc Rate. (See the manse charge sum milryr.on your stakimard for tease errwtmts ) T_t1e war add up the Per o* Fm-- Chagas for each irpphsaetion aajegopylJo get Itre tdei Paihod?c France Changes for-yoha Ao,QouQt TjkFr efage Ddy Balance is - - shown as zero it, beraose of the grace period, no Periodic frrenoe Charges apply lothe bekxaoe in a trmissolim category. We use the Average Daly. Balance (including new tansactia>s) method of ceicnlatirg the balance upon which we repose Pa irift.Frtaoa Cher as' W& cerepute, the Average Daly Balance to each transaction category byaddmg up at the daily belencas in a bli ng period for a.traasection category and dividing the Total by the number ofd . en the bill rug cycle. We compute the daily balance for each transaction category on each day by W adding the bMoxdng to the previous day's daily balance, tam ciions made #W day, few charged that day and Periodic Finance Chages accrued on t ist day N a trarhsectiorr is posted to ymAccount after the dose of the baling period in which it ow rs; we will treat the transaction as having occurred on the first day of the billing period in which it is posted to your Account At tees caiged to:yonrAccouM are added to the slandad purchase liansanagam cote" wilt Una exception of Cash Mmm Transaction Fee.Frhence Charges which are added to do applicable cash efvaraoe transaction category and Balance Trance Transaction Fee France Charges which am added b them applicable balance transfer tra sa Lim category. When the spedei rate expires, we move the unpaid batarice of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the stand purdbse trarisaction category. However, if the special rate has been terminated dander Ale Defetak Rae Plan, we leave the unpaid balance of the belance transfer and too Balance Transfer Transaction Fee Fiance Charges in Ume'epplieabki transaction category and the special rate would have.expied.. For TDD (Telecommunications Device for the Deaf) assistance, call 1-tttb?347-7449. Discover may morft and/or record telephone cats between you and Discover representatives for quality asscrmce purposes The Discover° card is issued by Discover Bank; Member FDIC. Marco zz, zuui p"ease make check payable to Discover Platinum Card. You aro overlimit. Pay the sum of the rronthiy minimum payment plus the overlimit amoun? of $380.53, 23 SDSN6A02 0025645 MORRISON, SHARON L Go paperless and make your account information more secure with password- 243 MEALS DR rotected statements only you can access. CARLISLE PA 17015-3183 team 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 111 IN IIIItell leIN ,Ilrelel11 CHARLOTTE NC 28272-1084 Ieeielltele1elell1e1I1olife IIIIIIIIIIIIIIIIifIIt1I11leelell III 00000196661825469610206680530022200002DlDD Discover Platinum Card Account Summary Closing Date: February 23, 2007 page 1 of 1 Account number ending in 2472 Previous Balance $6,828.71 Payment Due Date March 22, 2007 Payments And Credits 353.00 Minimum Payment Due $201.00 Purchases + 39.00 ;Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Bakuice Transfers + 0.00 Cash Credit Limit $4,725.00 Finance dwrges + 165.82 ;Cash Credit Available $0.00 New Balance $6,680.53 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbadc Flonuse Opening Cashbock Bonus Balance $ 13.96 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 13.96 CasisbackBanussl9Annlversa -------------------------------------------------------------------------- Month: August Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashbaek Bonus on Get More purchases in popular cateeggories throughout the year and up to 1 % Cashback Bonus on all your other purchases. 'How Can We Hel You? p ;It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) sae reverse side 1. Visit Discowr com to pay your bin for no cost, view your latest Account information, tam and redeem rewards and more 2. Call 1-800-DISCOVER (347.2683) for fast, easy selfservice options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dom Daft Payments and Credits )on 24 )an 24 PAYMENT - THANK YOU $ -131.00 Feb 18 Feb 18 PAYMENT. THANK YOU .222.00 Dlrisr7Alluelrcewous Fet-21 --Feb-23-OVERLIMITFEE- -- _.--•--_.._.__ 39.00 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL odic Fee " Daily Periodic PERCENTAGE PERCENTAGE ANCE F14ANCE Balances Kates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2394.65 0.07942% 28.99% F 28.99% $58.96 $0 Promotional Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $4340.42 0.07942% 28.99% F 28.99% $106.86 $0 The rates that nnniv to vour Amount areaRkAr Gad S nr +hwv may vnrv M ns nn+arl mknvn Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. p See your Cardmember Agreement. Your Cawrternber agreement contains all the terms of your Account. z Lost or stolen cards. Report immedialely! Cal 1$00-347-2683. loo Billing Rights Swmmaryr. In Case of Errors or questions About Your Big: If.you think .your bill is wrong. or t you need more infomaton about a tram on your bill, write us on a N o separate sheet of paper at Discover, PO Box 30421, Sale Lake City, UT $4130.0421, as soon as passible. We must hear from you no later than 60 days after we sent you the Just bill on which the era or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: 01 Tin • Your name and Account number co • The dollar amount of the suspected error 0 • Describe the error and explain, if you can, why you befieve there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still clAgated to pay the pads of your big that are not in question. While we investigate you question, we cannot repontyou as delinquent or lure any action to collect tie amount you question. Special Rate for Credit Card Purchases: t you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in good faith to cared the problem with due merchant, you may not have to pay the remaining amount due on the goads or services. You have this protection only when the ptxdrese price was more Om $50 and the purchase was made in you home state or within 100 miles of your meting address. (if we awn or operate the merchant, or if we mailed you the advertisement for the good or services, all is purchase are covered regardless of the amount or location of the purchase.) Payments. Send only you payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use nlonnatian on your duecc to make and electronic turd transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If the payment is processed as an electronic fund transfer, the transfer will be fa the.amoumt of the check. !Mien we use Wconafion tram you check so met* an etectraac Gated transfer, funds may be withdrawn from you account as soon as the same day we receive you payment, and you will not receive you chedk.badk from you financial institution. ttv ?rocesa!hx}af ya;rr paynuenFinaybe delayed 4 yph h + ?.r'n stirrrKp.:nd3rx;f.orothvr-itiarc a to y>wup>ymanl,af?yonr send the paymeauo anyothecaddmessai(youuse au - _ _ _ envelope other than the are provided. Payments received in proper fort atom processing fadtity by 5PM local tie on any day will be credited to yourAcooW as of fiat day. Payments received at our processing facility after 5PM local time will be credited to you Accost as of the next day. 9 you have misplaced you envelope, send you payment to Discover, PO Box 6103, Carol Strearn, IL 60197.6103. fhleess allow 7-10 days for defvery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay you minimum payment or a greater amoi rn over the telephone, and you can set up automatic payments. Cali us at 1-600.3472683. You will need this statement and you bank so=" Wbanstion. You mast ensue that sufficient funds; are available an you thank acoounk and all transactions must comply with U.S. taw. You wig be asked to provide the firsts digas of you account statement ZIP code. By errlemx,( those nurnbers as your efeclrorac signature, you will be agreeing to this illbortelkon to allow us and your bark to deduct each payment you authorize from your bank account, and to nitista.debit or credit entries to your bank account, as applicable. to correct error in the processing of such payment You must leg us the amount of each payment, or you can select an amount such as Midmun Payment Due or the New Balance on each statement: You can cancel a payment, sea listed however w fwe must receive nofioe eu paragraph. If your least three business days in advance of 8e schedled payment. You may notify us by phone at 1-800.347-2883 or by mail at the your payments may vary in amount we wit lel you on each monthly stelemetht when you payment will be made and how much It will be. You Automatic payment amount may be less than the indicated on the monthly slatemem barred on credits or payments applied during the bid cycle. Credit RepoWrrg. We may report irdonrhatotn about your acawnt b credit bureaus. Late paynenis, missed payments, a other defaults on you account may be reflected in ytxr credit report. We rnorrrhn?y report the atahrs and payment history of ydwr Accent b cedit repalnrj egerices each,rrgmlh. If you beleve brat au report is inecaawe ur ihorotplefe, phrase Narita tits al the titlowkg address: Discover, PD Box 15316. Wimngbn, DE 18850,5316. Please include yak name, address, Home telepltorue number and Aocournt rhwtber. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from Ors. date the transaction is pasted to your Account until the date you pay your more hW Balance, by rnd6ng popnents or receiwV credits. However, we will provide the felowng 'grm perW if you paid the New Balance on your peneore bifngstetemantby the Payment Dire Date shown on that statement, and you pay that New valance by the PepW Due Date on this statement we will not impose Periodic Finance Charges on thaw purchases, that is, purchases feat appearing on bas statement Otherwise, you wit receive a bluing statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sat you harsedio s lob groups of purchases, cash advances, and balance transfers. arid than futher wit the transactions within each group by their Annual Percentage Rate. For x surbpd b a promotional rate and purchases subject to standard rata would be separate groups. We refer to these groups as transaction categories. At the end each bitting penod, we Periodic Finance Charges for each day of the biting period for each transactioe category. We use the f clowng equation to compute Periodic for each transaction category. Average Daily Balance x number of days in the b1fi g period x Daly Periodic Rate. (See the finance charge summary on you statement for these zh:t' iots.`.7ltetn eve akW up Ifhe PariolliG Firtance Clghrg°s1rx ga_rh irar?!durh_<gml?lorl:19.9et lhS. gglPefiafic fint.uice qu?rges forte At• The average_Daay Balance is _ - - - sho n as zero 9, because of die grace period, no Periodic finance Charges apply to the balance in a transaction category. We use the Average D*Balartee (Widng new transactions) meted of catulatng the balance, upon which we impose Periodic Finance Charges We compote the Average Daily Balance for each transaction coagay by adding up all the daily balances in a hrOV period for a Nensacdon category and dividing tlhe total by the norther of days in the bung cycle. We compute the daily balance for each transaction category on each coy by first adding the following to the previous days daffy balance, transactions rte& that day, fees charged that day aid Periodic Finance Charges accrued on that day. If a transaction is posted to your Account after the dose of the billing period in which it occurs. we well treat the tra>sacttion as having oxxnred on the first day of the billing period in which t is posted to your Account Al fees derged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Firencce Charges which are added to the applicable cash advance transition category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Chagas to the standard purchase transaction category. However, if (he special. rate has been terromaled under the Default Rate Plan, we leave the unpaid balance of the balance trarsfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category unfit the special rate would have expired. For 7DD (Telecommunications Device for the Desi) assistance, call 1.000-347-7449. Discover may monitor ardor record telephone calls between you and Discover representatives for quality assurance purposes The Discover" card is issued by Discover Bank, Member FDIC. 23 SDSN6A02 0025646 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 April A--l, zuU/ 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. Please make check payable to iDiscover Platinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $236.:3. Go paperless and make your account information more secure with password- protected statements only you can access- Learn more at disc over.com1paperless. PO Box 71084 111111111111111111111111111 1111 CHARLOTTE NC 28272-1084 1111111,ilnlLilliiil,ililiiJllliriLJirliilli111111il,l,oil 000001986618254696102065362300000000016500 Discover Platinum Card Account S ummary Closing Date: March 23, 2007 page t of 1 Account number ending in 2.472 Previous Balance $6,680.53 Payment Due Date April 22, 2007 Payments And Credits 294.00 Minimum Payment Due $165.00 Purchases + 0.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance Charges + 1.49.70 Cash Credit Available $0.00 New Balance = $6,536.23 You may be able to avoid Periodic Finance Charges, see the i reverse side for details. i Cashback Bonuse Opening Cashback Bonus Balance $ 13.96 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 13.96 'Cashback-Sonus® Anniversary •-- - ------------------- -------------------------------------------------------------- Month: August i Cashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cash6ack Bonus on Get More purchases in popular categories i throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? P 1. Visit Discover.corn to our 6M for no con, view your ?' y - latest Account information, earn and redeem reward and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Mar 22 Mar 22 PHONE PAYMENT -THANK YOU $ .294.00 -------------------------- ------ Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNJANCE Balances Rat_ e3_ RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $2288.39 0.07942% 28.99% F 28.99% $50.89 $0 Cash Advances $4443.25 0.07942% 28.99% F 28.99% $98.81 $0 ' The rates that aooly to vour Account are either fixed IFI or thev may vary M as noted above Important Information. If there is more tan one page to M baling statement, seethe track of each page for additional important information.. cov See your Cardmember Agreement. Yom Cardmember agmemerd contains sift terns of yourAoooimt. z Last or golen.cards. Report immediately! Coq 1800-347-2663. no N 8tling Rights Summary. In Case of Eras orQuestansAbout Your Bit' Ifyyoouu think.yoir. twit is wring, or t you need more Wormation about a transaction on your bill, unite ru,on.a o separate sheet of paper at Discover, PO Box 30421, Sak Lake Cily. UT-8030-042i, as soon as possible. We must hear from you no Ieterthen 60 days after we sent you the first bill u°v on which the error or problem appeared. You can telephone us, but doing so will rat preserve your rights. In your letter, give us the folowiing inlonretiorr -Your name and Amount number • The dollar amarht of the suspected error 0 • Describe the error and explain, if you can, why you believe there isan.etror. If you need more Worrnabon, describe the Aern you are unsure about. You do not have, to pay any amount in question while we are investigating. but you are Mil obligated to pay the parts of your bit that are not in question. While we investigeb your question, we cermot report you as delinquent or.Wo any action to collect 1118 amount you question. Special Ram 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 have tried in good faith to correct the problem with the meicherd, you may riot have to pay the remainim convent due on the goods or services. You have this protection only when the purdreae price was more than $50 and the purchase was merle in your hone slate or within 100 miss of your mailing address. (If we own or operate the merchant, or d we mailed you the pciveitisement forthe good or services, ail the purchase are covered regardless of the.amo nil or location of-the purchase.) payments. Send only your payment ar d the by patios of the statement in the envelop provided. Do not said cash. By serukrg your-chid as described above, you sulhotize us to use irtatnaton on your check to make and elechork (rind ifs WO from your account at the financial iniftfion indicated on your dteckor to.gnoees the payment as a check transaction. If to payment is processed as an alsebordo fund transfer, the transfer will be for the.arrauml of the check When weass Womm6on tram your -check b make an eleclromc fiord triander, funds my be wilhdravm from.your account as soon as the sams day we receive your payment, and your will not receive your check back from your financial institution. The prosessingof your payn+enM"bsdelayeF4you send-h-, conespoadenae-0r dher4ems with-your-payment, 9-you send time psyinent-a awry odw address ot4you use-an - envelope offw stun the one provided. Payments received in proper format our processag facility by 5PM local lime on any day will be trebled to yourAcoount as of tut day. Payments received at our processing WIN' after 513M local tirne will be credited to yorAccoumt as oft he next day. if you have misplaced yo renveloM send your payment to. Discover, PO Box 6103, Carol Sheen, IL 601976103. F%asa auk w 7-10 days for delivery. t your payment is retuned..unpaid, we reserve 118 right to resubmit it as an elect onic debit. You can pay your rusnimun payment or a greater Amamt over the telephone, and you can set tip automatic payments. Call us at i-800.9472683. You wii need this sManient and you bank somunt information. You mug snare that sufficient funds are amreleble in your bark acco unL and al.irunsactiorn must txmplywith U.S.I:ax You Will be aalced to provide the lost 5 digits of you amount statement ZIP code. By entering those numbers as your electronic signalum you will be agreeing bthis swicitaka to allow is and your bank to deduct each payment you. authaize 6om your. bank account, and to grifiate debit or as* entrees to your bank account, as apple; b mrreerarror in ft processing of wch payment. You not fell us the amount of each psynnsK or you corn select an amount such as Minimum Payment Due or the New Bob" on asidrstalement•You can cancel a payment, however we must receive nuriae nt Issai tree business days in advance of One scheduled payment. You may notify us by phone at 1400,'14772683 or by mad at the address fisted in the previous pas7ap . t your payments may vary irk amount we Al terg you an each monthlystatemerd when.your payment wal be made and taw much if will be. Your Automatic payment amount may be hiss Ilm the bxkoted on do monthly statement based on.aesits or payments applied durkg to billing cycle.. Credit Reporting. We may report intonnatan abtiut.youraadwnt to ar&ilbueas. Late peysnents, missed payraa&, or asset debut sin your acanut nhay biim faded in your credit report We rannally reWto status and payment hisbryof yo rAoeountb credit reporhrg:agencies each monk 9 you believe Motor, report is irtasxuate or ingotnptete, please vain us at the fotbvmg address: Discover, PO.Box.16316 Wimi glen, DE 1985(1 316. Please include your.nene; address, harm iebplhorte number.andAcoourd numi - PEfBODIC RNANCE CHAGES. Periodic Fmeae Charges are Imposed en ail transactions from the data transaction is posted lo you Account until the date youpsyyor enpa New Balance, by making payments or receiving credits. However. wevwl provide the following 'grace period t you paid the Now Bala w 9n. tKW perviaas biting gamut by Do Payment Due Date show an that statement, and you pay the New Balm by to Payment Due Date on this. statement we will riot Impose Periodic From Charges on new purchases, that is, purchases Aral appearing an his statement. Otherwise. you WIN receive a burg statement next month tot includes Periodic Finance•Charges on those new purchases. There is no grace period an balerae transfers or cash advances. We sort your tracsastio s into groups of purchases, asshedvsuaes. and balance transfers and than further .sort the t armaliona within each gnxan by their Annual Percentage Rale: For example ptnhases subject to a promotional rate and purchases eibpol b. stands, mb wmdd be separate pWs. We refer to t me groups es taisedw cxttagories. AI tire. and of sub billing period, we compute Periodic Finance ChwW for each day of the bft period for each trsuusadion category. We use to N wag equation to compute. Parodic for each transaction calagory. Average Daly Balance x number of days in the bulling period x Daly Periodic Rate. (See the arcane charge summary on your stmemertfor these enourts.) Then we add up. the.Periocic.19mance Charges fa each tray tegory to Bet the total.PeiockFissuae ChargesSa your A==L The &cerage.D* Balance is. shown as zero t, because of the grace period, no Peioft Finance Charges apply lo the balance in a transaction cetegory. We use the Average Deily Boleros (vet k&q new transactions) meted. of csloWalkg the balance upon which we impose Periodic Finance Charges. INe.compuste the Average Daily Balance for each transaction category by eddag up ail the duly balances in a blirg period for ati sedan category and dividing the bW by to number uhf daip.i1 thettifmg cite. We compute the daily balance for each transaction categoryort each day by irst addling the toibwing to the WvAoas day's daslybatance, 9e6actions made tfmtdey, tees charged thatday and periodic Finance Charges accrued on that day. Its transaction is posted to youxAmaunt after the dose of the tiling period in which it occurs, we will treal the Varisacton as having occurred on she first day of the biting period in which it is posted to yourAcocunt. Al fees charged to yourAmount are added to the standard purchase transaction category me the exception of Cash Advance Transaction Fee.Finence Charges which are added to the applicable cash advance transaction category and Balance Thimster Transaction Fee FinanceCharges which are added to to applicable balance trastar transaction category.. When use special rate expires, we move the unpaid balance of the balance transfer arid .& Balance Transfer Transaction Fee France C hinges, to the standard purchase transaction category, however, if the special sate has been larn imiled under tie Defeull Rate Plan, we leave the unpaid balance of the balance transfer and &a Balance Transfer Transaction Fee Fnvm Charges in the applicable transaction category until the special rate wand have expired. For TDD (Telecommunications Device for the Deaf) assistance, call I-M.347-7449. Discover may monitor aridlor record Weptane cats between you and Discover representatives for quality assurance purposes The Discover` cod is issued by Discover Bank, Member FDIC.. may Zx, zuui 23 SDSN6A02 0025647 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. Please mace check payaVe to Discover P'atinurn Card. You arc: overlimit. Pay the sum of the monthly minimum payment plus the overliinit amount of $104.62 Go paperless and 'nake your account information more secure with password. protected statemerds only you can access. Learn more at disc:over.comlpaperless. PO BOX 71084 Illrwlluur?rlu?r?srlrlil CHARLOTTE NC 28272-1084 lrrl?l!„I?r,l?Il,+rlsti1,l?,slllli,il?rla,l,illi,l„I,il,I,.II 000001986618254696102064046200294000017800 Discover Platinum Card Account Summary Closing Date: April 23, 2007 page i of 1 rAccount number ending in 2472 Previous Balance $6,536.23 Payment Due Date May 22, 2007 Payments And Credits 294.00 Minimum Payment Due $176.00 Purchases + 0.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $4,725.00 Finaxe Charges + 162.39 Kash Credit Available $0.00 New Balance = $6,404.62 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback 8onus® Opening Cashback Bonus Balance $ 13.96 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 13.96 CcshbacicBonos® Anniversary---- -------------------------- --------------------------- ;Month: August Cashback Bonus(R) is America's #1 Cash Rewords ProgramI Full 5% Cashbock Bonus 'on Get More purchases in popular ccaatteeggoorries ;throughout the year and up to 1 % Coshback Bonus on all your other purchases. i 1. Visit (Discover com to bill For no cost, view your !How Can We Help You? p°''1"01' latest Aeeaint information, earn and redeem rewords?nnd more ;It's your choice - 3 ways to help 2. Cal 1-800.DISCOVER'(347--2683) for Fast, easy seXservice options or to speak with a Customer Service Account Manager ;Please have your Discover Card available. 3. Write us at Discover Card, PO Boot 30943, for TDD (assistance for hearing impaired) we 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 Apr 22 Apr 22 PAYMENT - THANK YOU $ -294.00 --- --------...------ ----- .--------------- --------• - ------------- ---- finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bakmces RaW RATES RATES CHARGES CHARGES ,current billing period: 31 days ;Purchases $2047.17 0.07942% 28.99% F 28.99% $50.40 $0 Cash Advances $4548.56 0.07942% 28.99% F 28.99% $111.99 $0 'The rates that aonly to vour Account are either fixed (F) or thev may vary N) as noted above. Important information. if there is more than one page to this Wing statement, see the beck of each page for additional important irdormal on: o See your Cardmember Agreement Your Cardmember agraoment contains all the terms of yourAmout, z Lost or stolen cards. Report immediately! Cal 1-804347-2663. rn C5 Billing Rights Summary. In Case of Errors or Questions About Your Bill, If you bunk your big is wrong, or if you need more information about a transaction on your bill, write us one ro 8 separate street of paper at Discover, PO Box 30421, Salt Lake City, UT 841340421, as soon as possible. We must hear from you no later then 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will riot preserve your rights. In your letter, give us to following information: rn • Your name and Account number `n The dollar annum of the suspected error O0 • Describe the error and explain. 9 you can, why you believe there is an error. If you need more information; describe the item you are unsure about. You do not terra to pay any amount in question tahiie we are investigating, but you aresWl obligated to pay the parts of yourbil d!atam not in question, While we investfgale your question, we cannot repon you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Purchases: t you have a problem vAtt the quality of goods or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have tots Wotedron o* when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (N we own or operate the merchant, or if we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or Watipn of the purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send casts. By $ending your check as described above, you nut otize us to use information on your check to make and electronic hnd transfer from your account at the financial institution indicated on your d" or to process the payment as a check transackin. If Vie payment is processed as an electronic fund bansfer, the transfer will be for Ow amount of Ore check. When.we we k6or mati,Nr from your dredi to make an electronic turd transfer, hinds may be withdrawn from your acoarm as soon as the same day we receive your payment, and you will notmoelw@ your check back from your financial institution. Ax ores axJetye!r,pyynhc:htnnaybedeahs44Youaehxf*rash,eones;nxxteneeouthekeruwitltyouF-payment,ifyeusendtiepaynwweaAyothesaddmserilyeuusean-- ;- envolope other than the one provided. Payments received in proper form at our processing facility by 5PM local lane on any day vrill be credited b yourAcooml as of that day. Payments received at our processing facility after5PM local time *4 be credited b yourAcoount as of the next day. It you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103_ Please slow 7--10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your mihmwm payment or a greater amount over the telephone, and you can set up automatic payments. Cal. us at 1.800-3472683. You will need this statement and your bank account infamregon. You must ensure that sufficient funds are ava'table in you bank scomrnt, and aD transactions must comply with U.S. law. You will be asked to provide the first 5 digits of you account statement 21P code. By onterag those numbers as your electronic signature, you oil be agreeing to ttis authorization to allow us and.your bank to deduct each payment you arhorize from your bards account, and to initiate debit or credit entries to your bank account, as applicable, to coned error in to processing of such payment. You must tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement You can cancel a at low beir business days in adonce of Me scheduled paMW You may tiaddiress listed in the previous paragraph. paymnents may vary in amount we will tell you on each mor statement w when he?s your payment r atwill will be a made 83 and or Crbyow Marl at mutt it the will be. You Automatic payment wow may be low then the indicated on the ahtNy atatem monthly statement based on credits or payments applied doing tie billing vycle. , Credit Reporting. We may report inkaftfon about you account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We nomreDy report the seaters and psymerd history of ywAccomt to krediit repati hg agendas each month. N you behave that okr report is irecarate orihbornphele; please write us at the following address: Discover, PO Box 15316. Wrhnigton, DE 1 16. Please induce you name, address, home telephone number and AcoourA number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are unposed on all transactions from the data the transaction is posted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, we WI provide the following "grace pertod'1f you paid the New Balance on you pervious billing statement by the Payment Due Date shown on ttm slatemerr[ and you pay the New Balance by the Payment Due hate on this statement we oil not impose Pariedic Finance Charges onmekv purchases, that is, purchases first appearing on tots statement Otherwise, you will receive a billing statement next norhtt that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We son your transactions into groups of purchases, cash advances, and balance transfers and then frrtrer.sod the transactions within each group by theirAnnual Percentage Rate. For exempt& puic ases subject to a promotional rote and purchases subject to sterdad rate vwdd be separate groups. We reW to these groups as transaction categories, At the end of each Ming period, we compute Periodic Finance Charges for each day of the frifeg period for each transaction category. We use the foilovnng equation to compute Periodic for e.hrh transaction category. Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (See the franca charge summary on your statement for these arm rs I Tom weaddrrp the Periodic Fkuuice Cha,gesfo:_each ransuction categoy.to get1 a total P.wWc Finance -Charies.far-your Account The.avemgle.Dailyllalance.i& shown as zero it because of the grace period, no Periodic Fsence Charges apply to due balance in a transaction category. We use the Average Daly Balance (including new transactions) meted 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 transaction category and dividing the total by the number of days in the billing cycle. We co rhpute the daily balance for each transaction category on each day by first adding the following to the previous da)'s daily balance, transactions made that day, fees dtarged that day and Parodic Fiance Chagas accrued on that day. It a transactor is posted to yourAooount after the dose of the biting period in which it occurs; we will treat the transaction as having owwad on the first day of the biting period in which it is posted to yourAoeount All fees charged to your Account are added to Me standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable rash advance transaction category and Balance Transfer Transaction Fee Finance Changes which are added to the applicable befence transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Chagos to the standard purchase transaction category However.if the specs' rate has been terminated wxW the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Trasfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expaed. For TDD (Telecommunications Device for the Deal) assistance, call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. June 72, 2007 Piease make check payable to Discover Card or pay online @ Discovercorcl.com. 23 SDSN6A02 0025648 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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.conUpaperless. PO BOX 71084 111 11111 1111111 CHARLOTTE NC 28272-1084 00000198bb18254696102062b45290294000016900 Discover More Card Account Summary Closing Date: May 23, 2007 page 1 of 1 Account number ending in 2472 Previous Balance $6,404.62 Payment Due Date June 22, 2007 Payments And Credits - 294.00 Minimum Payment Due $169.00 Purchases + 0.00 'Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $35.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance Charges + 153.90 Cash Credit Available $35.00 New Balance $6,264.52 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus a Opening Cashback Bonus Balance $ 13.96 New Cashback Bonus This Period + 0.OQ Cashbadc Bonus Balance 13.96 ,CashbockBonus®•Anniversa -----------------------------=---------------------------------------------' Month: August Cashback Bonus(R) is America's #1 Cash Rewards ProgramI Full 5% Cashback Bonus on Get More purchases in popular ca ones th th h d 1 `Y hb roug out e year an up to o Cas ack Bonus on all your other purchases. How Can We Help You? P 1. visit Disco?r?.com to pay your fail no C for view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-SMDISCOVER (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 May 22 May 22 PAYMENT - THANK YOU $ -294.00 'f=inance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daly Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba anees Rotes RATES RATES CHARGES CHARGES ;current billing period: 30 days :Purchases $1799.27 0.07942% 28.99% F 28.99% $42.87 $0 Cash Advances $4660.03 0.07942% 28.99% F 28.99% $111.03 $0 I ha rntne )tint nnnly to vrvar Arrni inl mm nittawr fivsa 4 M nr fhav rvi- % n. AA me nej&A r.t,,,vn Important Information. If tare is more than one page to has biirng statement, seethe back of each page for Wimat irgoitant information. 0 See your CardmwnberAgreement. You Caxknember sWeement aotgains an the terms ofyour Account. CO Lost or stolen cards. Report immediately! Call '1.80O U7.2683. o Bllfag Rights Suunmary. in Case.of Errors or Questions AboutYcu Bile If you ft* your bit is wring, a # you need more information about a transaction. on your bill, write us on.8 separate sheet of pow at Discover, PO Ou 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear from you no lebrthan 60 days after we sent you the fast bin on Much the error or problem appeared. You can oelephone us, but doing so win not pre"" yon rights. In year fetbr, give to to following adomrenor: You new and Account number • The dollar won of the suspected error • Describe the error and explain, 0 you can, wiry you believe there is:an error. Kyou need more information, describe the item you ere. rarsrre about You do not have to pay any amoud in quesion while we are investigating, but you are still obligated to pay the parts of your big that ere not in question. While we invesfigets your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for credit card Purchases: If you have a problem with the quint of goods or services that you purchased w;*a aedd card and you have tried in good bith to correct the problem with the merchant, you may not hove to pay be remaining.amount due.on to goods or, sevices. You how this protection only when the purchase Vice was more than $50 aid the purchase was made in your home state or within 100 rides of yaurinaliing address: (If we own or operate the merchant, or shwa meted you the advatiserihent for.. the good or servioes, all the purchase are covered regardless of the amount or location of1Fe purchase.) Payments. Send only your payment and the top Portion of the ataternad in the envelop provided. Do not send. cash. By sending ydr do* as described above, you riuhxize us to use information on your chedd to mare and electronic fund transfer ftm Mw accent at the fuenael kaft" irdicafed an your d" or to piwesethe peep" as a ohedi to ' . If Be payment is processed as an decticnic fund tram the transfer vAl be for ft amount of the check When we use Inlormelion from your do* to rate an electronic fwd transfer, funds may be withdrawn from your account as soon as the same day we recehre your payment, and you will not receive your dheckbadc from your financial institution. _ . _ Theprecessptgoi you payrnemtrthaeytedelayed?t3roa send cash; oorespenderhoe-0r othertteraswitn?roulxayrwrnt, t yonrta payment b'ast' rhther?hkMresror dyowuse an - -:. envelope other then to one provided. Payments received in proper format our processing bccilily by.SPM local lime on any day will be credited to your Account asof that day. Payments received at our processing fec3ly anerSPM loco fire will be gadded to yourAcmint as of to next day. 9 you have misplaced your envelope. SEW your payment to Discover, PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your paymentis returned unpad, we reserve to riyd bresubmit Rag an electronic debit You can pay yaw minion payment or a greater aruount am the telephone, and you can set up aubrnatc payments. Callus at 1400.3472683. You wig need this ststementand your bank account infinnatiar. You must ensure that sufficient fads are available in your burdc account and at transactions must comply with U.S. taw. You will be'sslaed.to Ixo" 1d° . the fast 5 digits of you account statement ZIP code. BY catering those. numbers as your alectromc signature, you will be pgreeitlg to th s autholizaWn to allow us and your loads to deduct each payment you a dho ize from your be* award, and to mitiate debit or credit entries to your bank scelt as applicable, to correcterror in )he processing of such payrren. You must till us the amount of each payment, or you can select an amount such as Minimum Payment Due or to New Balance on each statement You con cancel a payment, however we must receive notice at least tides busrthess days in advance of the scheduled payment. You maytwtly us by phone at 1 00.347 Mor by net at the address hated in the previous paragraph. 9 your payments may very in amount we will tell you on each monthly statement when your paymad will be made and how much d will be. Your Automatic papneMamo amount may be leas then the initialed on to monthly atetement teased on aedks.or payments'appted duping the bhWM cycle.. Credit Repo". We may report nforimation about your account b credit Mireaus. Lab payments, mned payments, or oter defmtlb on youraoooimtrnny be renabd iii your credit report. We normally report the "a and payment history of your Account to credit reporting agencies each month. Nyou believe 90 otr report is.i m6c ursta or ahoampfele, please write: us at the following address: Discover, PO Brix 15316. Wilmington, DE 1 16. Please triclude your nam address, home lebphae number std Accountnurrber. PERIODIC FINANCE CHAGES. Periodic Faience Cho" are imposed on all transactions from die date the transaction is posted to yourAoco nt until the:40You pay your ohs . New Bele ce, by Irw)wg Payer or reixeivitg aeft. However, we w6 provide the fotowi g grace W*T If you.ptid the New Bdm on you pervious big sfsbment by the Paynard Due Dab strain on dw sis amid, and you pay the New Balance by nha Payment Due Date on this statement we wig rat impose Penodo Finance Charges on new purchases, that is, purchases fast appearing on to statement. Ot en else, you wit receive a billing statement next month bat trrdudes Periodic Firence0ages on those, new purchases. There is no prate period on balance transfers or cash advances. We sat your trttrsactioihs lido groups of purdheses, cashadvencee, and balance transfer& and ten furnher.sort ttefrensactio s wdhn each group by tleirAnnual Percentage Rate. For exerrrplapurchases subject to a pioinoto al rate and puc asas su*d to standard rate would be separate groups. We rater to two grape as barmliob categories; At the and of each billing period, we compute Periodic Finance Chargesfor each day of the bdtimg period for each transaction category. We use to fotaingeghiaion to ooropub. Periodic for each transaction category. Average Daily Balance x number of days n the b*V period x Daily Periodic Rate. (See the finance charge summary on your stalementfor these amounts) Thhtm.we addoP the E4dQtli hww_ClerM fof_eaah trerme0oo ga2agQr1tt4sat be ?eW2 Ei=ioe Cbit M fpr_yw AcQO a Tlte_4rterege tiny Balms is Omit as zero 0, because of the grace period, no Periodic Finance Charges apply b the balance in a transaction category. We use the average DailycBalance fkkednng new.bansactiors) meted, of cekulatng the balance upon which we impose Periodic Finance Charges. We comp ule theiwerage Daly Balance for each transaction ea(egaY by adding an the da8y, bbalances in a toting period for a transaction astggohy.end,dividx,g to l5td. by te.rhr.rdher of days n.:tre:b ing cycle. We compule the daily balance for each transaction category on each day by *9 adding the following b the previous days daily balance, transactions made't at day, feuescharged that day and Periodic Finance Charges accrued on tell day. If a transaction is posted to yourAccount after the dose of the bang period In which it o=n. we will treat the transaction as havahg occurred on the fig day of the biting period in which it is posted to your Aomunt All fees charged to youAdxwnt are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee.Fnence Uterges whit we.added to the applicable cash advance transaction category and Balance TrensferTrarmacton Fee Finance Charges which are added to the applicable balance.Varater transaction ategoryr. When the apeman raw expires, we rave the uupaid balance of the balance Onto and the-Balance TraderTrarsaction Fee Frencce Charges to ore stardeW "ichase transaction category. However, if the special, rate has been terminated under the Default Rete Plan. we leave the unpaid balance of the balance tanskr and the Balance: Transfer Transaction Fee Finance Charges in the applicable timseption category until the special rate would have expired:. For TDD (Telecommunications tkviceforthe Deal) assistance, all 14*347-7449. Discover may monitorendfa record telephone calls between you and Discover representatives for quality assurance purposes The DiscoW card is issued by Discover Banik, Member FDIC. 23 SDSN6A02 0025649 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 July AA, AVVI Address, e-mail or telephone changO Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Please make check payable to Discover Card. You are overlimit. Pay tF:e sum of the monthly minimum payrient plus the overlimit amount of $218.84. Go paperless and make your account in5omtation more secure with password- pprotected statements only you can access. Learn more at disc over.com/paperiess. PO BOX 71084 Illrrsllr,r,1isl,1lln11111 CHARLOTTE NC 28272-1084 Innlill?rl?n?l?llr?ri??l?l???llllr?rl??l??l??Il??l??l?,lrlr?ll OBBOD198661625469610206515B400D00008034100 Discover More Card Account Summary Closing Date: June 23, 2007 page 1 of 1 Account number ending in 2472 Previous Balance $6,264.52 Payment Due Date July 22, 2007 Payments And Credits 0,00 :Minimum Payment Due $341.00 Purchases + 98,00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance Charges + 156.32 'Cash Credit Available $0.00 New Balance $6,518.84 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 13.96 New Cashback Bonus This Period + 0.05 Cashbadc Bonus Balance $ 14.01 -CashbackBonus&AnnK%rsa ------------------------------------------------------------------------ Month: August How Can We Help You? I? 1. Visit Discover corn to lay your 60 for test, view YOM latest Account information, earn and redeem rewards and more ;It's your choice - 3 ways to help 2. Cap 1.80o 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 Dais Gather/Miscellaneous Jun 23 Jun 23 OVERUMIT FEE $ 39.00 Jun 23 Jun 23 LATE FEE 39,00 Gasoline Jun 9 Jun 9 KWIK FILL 262 CARLISLE PA 20.00 !Information For You ;Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is sublect to the terms of the offer including mRitdFiotr_ * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Transaction Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Roldric Rates RATES RATES S ;current billing period: 31 days Purchases $1575.20 0.07942% 28.99% F 28.99% $38.78 $0 Cash Advances $4774.25 0.07942% 28.99% F 28.99% $117.54 $0 The rates that aaoty to vour Account are either fixed IFI or thev may vary M as noted above Important Information. If there is more than one page to ft biting stafemenl, see the bade of each page for additional important nformatmr. See your Cardmember Agreement Your Cardmember agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Cal 1-00-347-21if33. Billing Rights Summary. In Can of Eras or Quemionii AboutYour W. If you think your bit is wrong, or if you need more information about a transaction on your bit, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 841340421, as soon as possible. We must hear from you no later than 60.&A after we sent you the first bill on wdach the error or problem appeared. You can telephone us, bid doing so wig not preserve your rights. In your letter, give us the following information: • Your name antlAocount number The dollar amount of the suspected error • Describe the error and explain, if you can, why you beleve there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any arno nt in question while we are investigating, but you are stilt obligated to pay the pats of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit cad and you have tried in good Milli to correct the problem with the m orchard. you may not have to pay the remaining amrwnt due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was murk in your tome stale or within 100 miss of your meting address. (If we own or operate the merchant, of f we mailed you the.advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your payment and the top portion of the afetemerd in the etwebp provided. Do not send cash. By sending your cheek as described above, you authorize us to use nfomhatan on your dreck to make and electronic knit transfer from your accord at the financial institution indicated on your check or to process the paymad as a check kansaclim. H the peyment is processed as an slecronic ford bxWw,, the transfer YAP be !or the amount of the dtecli. When we use k*mw tier loom yaur dhedd to oaks an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check beck from your financial institution. The fm».ess:ng efyrourptrimenhrmaybe "ayetl4 yarser«i a;slt ?,uea;hon4 ncr-w ctherifea?s M!ry!ni`ixiy. wont, 4-yetrserxt the paynvwt-te anyothepaddress or ifyau-use rw - - - - envelops other than the one provided. Payments received in proper form at our processing facility, by 5PM local time on any day will be credited to your Acoount as of that day. Payments received at our processing facility after 5PM beat time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Cad Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 14D U72683. You will need this statement and you bank aooaunt information. You must ensue that sufficient f urnds are available in your bank account and all transactions mast comply wear U.S. law. You will be asked to provide the first 5 digits of you account statement ZIP code. By entenng those ritimbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize front your bank account, and to initiate debit or credit entries to your bank account, as applicable, to correct error in the processing of such payment You must tell us the amount of each payment, or you can salad an amount such as Miniumm Payment Due or the New Balance on each statement. You can cancel a payrrient, however we must receive raw at least three bumm days in advance of the Scheduled payment You may notify ors by phone at 11-800-347-2683 of by mail at dw address listed in the previous paragraph. II your payments may vary in amount we will tel you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than the indicated on the monthly statement based or credits or payments applied during the billi%cycle. Credit Reporting. We may report information about your aeooLW to credit bureaus. Late payments, massed payments, or other defaults on your account may be receded in you credit report. We normally report the status and payment history of your Account to credit repotting agencies each mot& If you believe that our report is inlacctrm or incomplete, Please write us at the following address: Discover, PO Box 15316, Wilmington, DE 1985W1 S. Please include your name, address, hone telephone number and Accourd number. PC-ROW I MAHCE CHAGES. Periodic Finance Charges are imposed on all transa lions franc the date the transad ion is posted te your Account until the date you pay you entire New Balance, by making payments or receiving credits. However, we will provide the following 'grace period' If you paid the New Balance on you pervious billing statement by the Payment Due Date slam on that statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new Vxchases, that is, Purchases fast appearing on this statement Otherwise, you will receive a holing statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then fulher sat the transactions within each group by their Arnhmat Peroenlage Rate. For example purchases subject to a promotional rate ad protheses sweet to standard ram would be separate groups- We refer to these groups as transaction categories. At the end of each bung period, we emVA Periodic Finance Charges fix sea day of the billing period for each transaction category. We use the following equation to compute Periodic for each transaction category. Average Drat Balance x number of days in the billing period x Daly Periodic Rate. (See the finance charge summary on your statement for these xr.u!0.Thao ive add um fhePatiodic.Fnance Chatgeslor L a& tionsactiondatepy.. Wpol the WIPsr4xkFinarta.Chorgesfor yourAocoatt The everage.Doly Balameis- -:.- stw:on as zero f, !because of the grace period, no Periodic Fnance Charges apply to the balance in a transaction category. We use the Average Daly Balance (traluding new transectioms) method of calcuatih>A the balance upon which we impose Periodic Finance Charges. We compute the Average Dail Balance for each transaction category by adding up at the dalyr balances in a billing period for a. transaction category and dividing the WW by the number of days in the bring cycle. ft comrpute due daily balance for each transaction category an each day by first adding the folowirg to the previous days dilly balance, transactions made that day, fees charged that day and Periodic Femme Chagas accrued on that day, tea transaction is posted to your Account after the close of the billing period in which h occurs; we wit treat the harsaction . as having oockxred on the first day d the billing, period in which it is posted to you Account. Al lies dnaged to yourAoooimt are added la Bhe stadard pixdtese transactiaa category watt ultra exception of Cash Advance Trahsadion fee Finenc?e Charges which ere added to the appGcabte cash advanc?e transaction category and Balarhca Trannsfer Trmhsaction Fee Finance Charges wtadn ere aolded b the appficahe baance irahsferiransadioncalegory When Btu special rate expires, we move the tnpad balance of tre balance tronsfar and the Balarae Transfer Trarsadion Fee Finance Chagas to the standard putdhase transadon category l lovvevar, i(the specal rate has beam terminated order the Oefaut Rate Plan. we leave the ttnphad bafaroe d the baance Ua?kr and tlne Balance Tror?er Transaction Fee Firnernoe Charges in the appticeble irorsadiom category hrdi toe special rote would have expided.. For TDD (Telecommunications Device for the Deal) assistance, call 1800.347-7449. Discover may m onilor ardor record telephone calls between you and Discover representatives for quality assurance purposes The Discovers card is issued by Discover Bank. Member FDIC. 23 SDSN6A02 0025650 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. 000001986618254696102065802800170000034000 Discover More Card Account Summary Closing Date: July 23, 2007 page 1 of 2 Account number ending in 2472 Previous Balance $6,518.84 Payment Due Date August 22, 2007 Payments And Credits - 170.00 Minimum Payment Due $340.00 Purchases + 78 00 Credit Limit $6,300.00 Cash Advances . + 0 00 Credit Available $0.00 Balance Transfers . + 0 00 Cash Credit Limit $4,725.00 Finance Charges . + 153.44 'Cash Credit Available $0.00 _ New Balance = $6,580.28 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CCshback Bonuse Opening Cash back Bonus Balance ,.. $ 14.01 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 14.01 Cashback-Bonus® -Annivemmy --- ------------------------------ Month: August How Can We Hel You? p 1. Visit Discowr.com to pay your 60 for no cost, view your l t t A t i f ti d d a es ccoun n orma on, earn an re eem rewards and more It's your choice - 3 ways to help 2. Call 1-8000ISCOVER (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 Dais Payments and Credits Jun 27 Jun 27 PAYMENT - THANK YOU $ .170.00 Odor/Mimelaneous Jul 23 Jul 23 OVERUMIT FEE 39.00 Jul 23 Jul 23 LATE FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we_have chosen not to do so at this time. We have terminated, however, apy introductory orpromotioncd rate on purchases and arty special balance transfer rate, and applied-the standard APR For purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to 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 section of the Cardmember Agreement for 'details. ' * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Soon we'll no longer be printing your full accouni number on your statement. R'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. Augusr ZZ, 2UUJ Please mace cheat payable to Discover Card. You are overlimit. Pay the sum of the monthiv minimum paymen! plus the overlimit amount of $280.28. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.conn/paperiess. PO BOX 71084 111 11111111 CHARLOTTE NC 28272-1084 IrrlrlLrL IIIIIII, lr?lJ?r?IIIIIII IIIIIIII IIIIIII„Ifill I I II Important Information. If there is more than ors.page to this Ming statement, seethe back of each page for additional . important infmnalion.. See your Cardmanber Agreement. Your Caidnemberagmement whtahts all the term of your Awount Lost or stollen cards. Report knmediately! Cal 1-80D-347-2683. Billing Rights Summery. In Cased Errors of Wastions About Your BB: Ifyou thinit your bill is"-. aid you need more Mirmalikin about a transaction on ydur bd, Mrtile us on.a separate sheet of paper at Discover, PO Box 30421, Sad( Lake City, UT 841304421, as soon as possible, %must freer from you no IeteNlwn 60 days allerwe sentyahr the fast bill on which the error or problem appeared. You aah.telephahe us, but doing so will not preserve your rights. n Yaw leper. give us am blowhig adgmnaik • Your name and Aeootnt number The doles amourA of tlre.suspected error • Describe the error and explain, if you can, why you believe tare is an am. If you need more information, describe the. Rom you are unsure about: You do not have to pay any amount in question while we are iwest0drg, but you are still obligated to pay tie parts of your bill tat ere rut in, question, Mile we investigate: your question, we cannot report you as debmuent or take any action to collect he amount you question. Special Rate for Credit Card Purt rases: If you have a problem with the qutalky.of goods or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may not have to pay the rernali ft amount doe on the goods ataervioes. You have this protection only when the.ptrchase price was more than $50 and the purchase as made in your home slate or within 100 miles of your mailing address. (ewe own or operate the merdant, or if we'meded you the admfisemeM for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Said only your payment and the top portion of the statement in the envelop pravidad..Do not-send cash. By sending your check as. described above. you authorize us to use u>farnation on your check to make and electronic (arid bo afar from your amount at he financial institution indicated on your dtedt'or to pmoess the payment ai a chedd transaction. If the payment is processed as an electronic hind transfer, the transfarwll be for to amount of the heck. When we tree inlomnation born yotrd" to make an; dedronic fund transfer. funds may be withdrawn from .your aworit as soon as the same day we receive your payment and you will not weige your check back from yourfinenccial institution, The proceestagof your pay *4tirW-deleyedicyou send cash, conespoadeacaor otwr dams wishywr of jveu send the paymrentb any oturaddress oraflrou we-at- - envelope other than he one provided payments received in proper form at our prooessing filly by 5PM local Wne on any day will be aK%W to your AoowM as of that day. Payments received at our processingfaaily atdr 5PM local time will be credited b your Aexxnntas of he next days 9 you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, hL 601197-61103. Please allow. 7-10 days for delivery. t your payment is rebaned unpaid, we reserve the right to rembnxt it as an electronic debit You can pay your minimum payment or a greater arrmtmt over the telephone, and you can set up automatic paymerils. Call us at 1.8003472683. You will need tics statement and your bard. ao=W irdomnatiwn. You must ensure to sufficient bands are avail" ih.your bank account, and all Yansections waist oomply wAh US. law. You will be'siked to. provide tie hat 5 digits of you somaht statement ZIP code. By entering those numbers as your udectradc signature, you will be agreeing 1Q this aulInkationto allow us and your bank to deduct each payment you auUnrixe from your him* account, and to rimate debit or creck entries to your banh..sooc nt, as'appicabb,-to eorrect'error in the prooessig of such payment You owl tail hs the amount of each paynrhemt, a you can select an arnournt such as Wmimu m Payment Due or the Now Balntros on each statement You can cancel a payment, however we mast receive notice at least three business days in advance of the scheduled payment. You may nody us by phone at 1.800.347,2883 or by mil at the address listed in the previous paragraph. If your payments may very in smo nt we will tell you on each waft statement when your payment will be made ant how much it will be. Your Antormaie payment amount may be less han.he meted on tie mon ft statement based an credits or paymerts applied drug to billing cycle. ; Credit Reporting. We may report itairhetoh about your ebcount to aeult blreaus Late payments, missed payments, or other dthhudLs: ahyour acoart may be retacted in your credit report We narn dilly report the status and payment hhstay'of yrxrAoorxeht.b.dadnt reporting agerh me oath month. If you believe flier err repdtis inactxrete or hruegthplete, please write us at the fallowing add resat Meow. PO Box 15316.4YdmdrgW4 DE 19850,5316. Please include your name, address,.home tsfoo&* number and Aooounf rarnber. PEWDIC FINANCE CHAGES. Periodic Flnence Charges are imposed on al transactions from do data the transaction is posted b ywrA=unt urn the'dele you payyouratrtite New Balim,.by making payments or rec"V =*. However, we will provide the folowi g grace period' if you. paid the Now Balancean you penhous bBugstalemalt. by hie Payment Due Date shorn on hhet statement, and you pay the New Balance byte Payment Due Date o nfhs stslern iintwevrl not impose Pedoft Finance Gssgos on new purchases, that is, purchases rust appemi g on this statement. Otherwise, you will receive a billing statement next mouth tat includes Periodic Fmonce.Chum an those new purchases. Thera is a {pace pmW on bdam transfers orcash advances. . We sort your transactions into groups of purc hoes, ceshadvances and balance transfers and then f rther sot the transactions withn° each group byllheir Artiual Percentage Rate. For example punhhases subjecll b a piw ollonal rate and purchases &*d b standard rate would be separate groups. We refer to these groups as bansacion calogoriec At the end of each billing period. we compute Periodic Finance Charges for each day of to bldg period for each tramadon category, We use the fallowing equation to.carpule Periodc for each Vasection eebgo?Average Daly Balance x number of days in the blig period x Daffy Pm& Rate. (See to franca charges urnmary tin you stakmerntfar these arrnourhts.) Then rvg@dg =Average F urn SlpWs for each trthmdl -cat Y 44944 ?P F. e. Ct!ar9as for ynour ant ??!@ rtge.R4tyf3etethce:is: _ _ shown as hero k because of the grace period. no Periodic Firrence Charges apply to the balance in a transaction category . We use the average Daly.Balance (including new trarsectors) method of calculating he balance upon which we impose Period Fsnanos. Charges. We oonpub.Bhe Average Daly Balance for each transaction -WOW by ad ft up all the daily batances in a bBtg period. for a trermc ion category avid diviing Via told by the rurn6erof doys.in the bldg cycle. We cornpule the daily balance for each transaction category on eadt day by first adding he fotowirg to he previous day's day balance, Wwacdons made that day, few charged that day and Penodnc Finance Charges accrued on that day. If a'transaction is posted to your Aa,outt after the dose of the billing period in Wit t own, we will but the hrmsaction as having occurred on the. first day of the billing period in whk:h it is posted to your Accaunt Al fees charged to your Account are added lo he standard purchase transaction category with the exception of Cash Advance 71rarsedio i Fee.Finaice Charges which are added to the applicable cash Odom transaction category and Balance Transfer Transaction Fee Fimenm Charges Mich are added to the V$cable balance tansferlransedw category. When the special rab expires, we move the unpaid balance of the balance Misfer and to Balance Trers*Transedion Fee Fnartca Charges to the standard purchase transaction category. However, if the special: rate has been tenanted under ha Default Rate Plan, we leave the unpaid balarwe of the balance rarster and he Balance Trans er Transaction Fee Finarca Charges in the applicable transaction category until the special rata would have expired.. For TDD (Telecommunications Device for the Dent)arss6ttmwe, call 1-800-347-7449. Discover may wnilor anNor reoord talepWm calls between you and Discover representatives for quality assurance purposes The Disoowr.° card is issued by discover Bank, Member FDIC, 23 SDSN6A02 0025651 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. 000001986618254696102068222300000000051900 Discover More Card Account Summary Closing Date: August 23, 2007 page I of 2 Account number ending in 2472 Previous Balance $6,580.28 Payment Due Date September 22, 2007 Payments And Credits 0.00 Minimum Payment Due $519.00 Purchases + 78.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance Charges + 163.95 Cash Credit Available $0.00 New Balance $6,822.23 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 14.01 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 14.01 : -ashbackBonusWAnniversa--------------------------------------------------------------------------- ' Month: August How Can We Help You? I. Visit Discover.com to pay your 141 for no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service 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 :Other/Miscellaneous Aug 23 Aug 23 OVERUMIT FEE $ 39.00 Aug 23 Aug 23 LATE FEE 39.00 :information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases andIiatanca vaitsrtdrs- Ft'owow,, w'e rbaetve th8 H-Orfb iwramb-ttie APR s- bri yd adcouiolf ycs'u-fbil to paythb - - - - - - - --- minimum payment due by the payment due date. See the Default Rate Plan section of the Cordmember Agreement for details. * * * 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. September 22, 2007 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $522.23. Go paperless and make your account information more secure vrith password- protected statements only you can access. Learn more at discover.conVpaperless. PO BOX 71084 111 111111 11111 CHARLOTTE NC 28272-1084 11111111111111111 11 fill 11111111 111111111111111111 Discover Financial Services is proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Consider donating your Cashbock Bonus(R) to JDRF and you can help fund research to find a cure. To further your donation, ;Discover(R) Card will add an additional 20%. Visit Discovercard.com Important Information. Ifthere is more than one page to this blkng statement, seethe beck of each page for addilional.import int information.. See your CardmemberAgreement. Yor Cardmemmer agreement contains all the tams of your Account c Lost or stolen cards. Report immediately! Call IM0347-2663. c Billing Right Summary. In Coe of Errors or Chissfrorms About Your Bilk Kyou 11" s yair tint is wrong- or. # you need more imknnatien about a kahsadian on your dl,.write ins on :a c sepanrte.sheel of paper at Darer, PO Box 30421, Salt Lake City, UT 64130.0421, as soon as possible. We must hear from you no ister.Sten 60 days afar we sent you the *9 bill n on which the error or problem appeared: You can telephone as, but doing so will not preserve your rights. In your WW, give usihe.foltowig khfamatiah: • Your now anclAccount number • The dollar amount of the suspected error ? • Describe the error and explain, d you can, why you. believe. there is an error. If you need more information, describe the item you are unsure about.. You do not have to pay any amours in question while we are investigating, but you am still obligated to pay the parts of your bill that are not in question: WMie we investigate your question, we cannot report you as delinquent or take any action to collect tie amount you question. Special Rate 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 have tried in good faith to correct the problem with the rnemhaht, you may not have to pay the remaitirg amount dire an the goods or services. You have tk protection only when-the pActisse price was more than $50 and the purchase was made in your fame state or wi1Mn 100 hales of your mailing address. (H we own or operate the merchant, or if we mated you the edvatiserihorntfor the good or services, al the purchase are covered regardless of Ow-amount or boalarr of the purchase.) Payment. Sand only your payment and the top portion of the steterred in the envelop provided. Do not send cash. By sanding your check as described above, you su !home to to use Wommetan on your check to make and elledonic fund transfer from your account at he financial institution indicated on your dsecrortopreaess the payment as a cheer tr nsackai. If the payment is processed asan eledronic fwhd transfer, the trawler will be for theemowN of the died Whenwe use idamal from you cheek b make an electronic fined Irwler, kindle may be withdrawn itom.your accent as soon astlle same.day! we receive Yompayrrient, and you WA not receive your checkbook thorn your financial instiution. - - - - Tba ro?s? !"? PeY?rs+?Y?3'W send mash, carrespondetue.or olbaitemswiUn.your{>aynuenl; if yoe.aendthe paymemtb.emy otharaddfresxor # lrou.trse an - envelope other lmn the one provided. Payments received in proper form at our processing facility by 5PM local lima on ary day will be credited to yo rAcooW as of that day. Payments received at our processiN iaclhlyafter 5PM local Mme will be credited to yorAccouM as of the next day. 9 you have nirspleced your ernelope, send your payment to Discover, PO Boo 6103, Carol Stream, IL 601976103. Pease slow 7-10 days for delivery. Uyour payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your minimum payment ora greater amount over lie Wephhone. and you can set up automatic payments. Catus at 1 00,3472683: You will need M statement and your bards ao mrl inkanation. You mu3i dam that sultcerd funds are available in your bank adxxwnt, and all transaetiom mast omtiplyw1h U.S.. low. You vd be askad. to provide the fast 5 digits of you socoimt sletemerd ZIP code. By ante ft those nanamere as.y oureledwic *nnure, you wilt be agreeing b this eutuaaa6on to allow to and your bank:b deduct each paymentyou authorize from yowbank account, and b initiate debit or credit entries to your ba* wit as applicable, to awed euw inthe processing of soch payment. You roust tell us the amount of each payment or you can select an amount such as Minm urn payment Due or the NowBeience on each stetemaN..You can cancel a payment, however we mad recave notice at east lave bminess days in advance of do sdreduled payment. You may notify es by plane at 1MOW-2f183 or by imam at the address listed in the previous paragraph. If your payments may very in amount we will el you on each monthly statement when your payment will be made and taw butch it will be. You Aubmadc.payment amount may be loss then lie indiceled on the monthly slaemetr based emrredits or payments applied during the billing o/de. Credit Reporting. We may report information about .your acoount to dxertit bureaus. L de payments, missed payments orother defoulls onyourbccdunt may be:ralecbed it.yow aWk report. We nm wh repatlie sf s arld paymert Nowy of yourAaaurht to a agencies each month, H you believe that our report is tnaocrrae or iioarpeie. please write us at the following address: Discover, PO. Box 16316, Wilmington, DE 1 16. Please inokde your name, address home telephone number and Account mmber. PERIWC FROCE CHAGES. Periodic Finance Charges ate imposed of at transaction tram the.dale the rang C1i0n is posted to ywAocount until the dnteyou pay your entire New Belerice,by making payments or receiving credits.. However, we will provide ft following 'grace perW'N you paid the New Balance on your pervious billing statement by the Payment Due Date shown on that etatemant and you pay the New Balance by the Payment Due Date an this 3weinernwe will not impose Periodic Foam Charges on new purchases, that is, purchases first appearing on has Astemerd. Otherwise, you will recave a billing stslemerdnext madh that includes Periodic Finance Charges on !hose new purchases. There is ne grace period on balance transfers or cash advances. We sale your transactions inb groups of ptrdiases, cash advances, and balance tasters and then further sat the transactions w ft each group by their Annual Percentage Rote. For am" purchases subject to a promotional rate and purchases subjedto standard rate.would be separate groups-Vft refer to These, es transaction categories : At the. end of each billing period, we axmrpue Periodic Fnama Charges for each day of the bi'll'ing peiod for each trasadion aHegoryr. We use-tie fdbwiig"Won b WOO Periodic for each transaction category. Average Deily Balance x number of days in the bulling period x Daisy Periodic Rele. (See the timasee charge summary on your statement for these _ _ amounts3 Tlhert.+ve add up lha P_?acficFnance_t?erges for elx3i haRSflclion tx?goty<tQgpLtyaSolai P-e[i *Ftrgw Cj>tt m fgryouum.&QPQ nl TUQdvef4SC Daly Belafxs is.. . shown as zero H, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the average Daly Balance kdu*q new transadiors) method. of calcuklilg the balance upon which we ir" Periodic Fiance Charges, We.compute the Ave" Ddyr Bahance for each transacsori.category by adding up all the daily Man= in a billing period for a transaction category &W diividtig the told. by the number of days h.lhebiling aide. We compute the daily balance for each transaction category on each day by fast adding the tdowirg to the previous days daily balance. transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day. If a transaction is posted to your Account after the close of the billing period In which it occurs, we will treat the frarsection as having occurred of the. rust day of the Wig period in which it is posted to yourAccolyd. All fees charged to your Aooant are added to the standard purchase trarsaction category wph ft exceptions of Cash "arioe Transaction Fee Finance Cher"'whic h are added to the applicable cash advance transaction category and Balance Transfer Trarnsecion Fee Faience Cherges which are added b the applicable balance transfer trahaedim category When the sperms rate wpm. we move The unpaid balance of the balance transfer and the Bslane6 Transfer Transaction Fee Fnar6 Chergies to the sianderd purchase transaction category. However, N the special. rate has been Wininaled under the Default Rate Plan, we Ism the unpaid below, of the balance Uansler and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommunications Da*e for the Deaf) uslstance, call 14W-347.7449. Discover may monitor andlor record telephone calls between you and Discover repre-.telives for.qustity asserance purposes The Discovers card is issued by Discover Bank. Member FDIC. Uctober ZY, -LUU/ Please make check payable to Discover Card or pay online ® Discovercard.com. 23 SDSN6A02 0025652 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 Address, e-mail or telephone change? Print change in space above, or 9o 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 corNpaperless. PO BOX 71084 111 11411 111111 CHARLOTTE NC 28272-1084 11111111111111111111111111111111111111111111111111111111111111 000001986618254696102[1620646000000000]18400 j Discover More Card Account Summary Closing Date: September 23, 2007 page 1 of 1 Account number ending in 2472 Previous Balance $6,822.23 Payment Due Date October 22, 2007 Payments And Credits - 794.00 Minimum Payment Due $184.00 Purchases + 10.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $93.00 Balance Transfers + 0.00 Cash Credit limit $4,725.00 Finance Cha s + 168.23 Cash Credit Available $93.00 New Balance = 6,206.46 You may be able to avoid Periodic Finance Charges, see the reverse side for details. i Cashback Bonuse Opening Cashback Bonus Balance $ 14.01 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 14.01 Cashback-Bonus® -Anniversary --------- -------------------------------------------------------------- Month: August Cashback Bonus(R) is America's #1 Cash Rewards Programl 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 Discamx m to pay your bill for no cost, view your earn and redeem rewards and more kltest Account information ;It's your choice - 3 ways to help , 2. Call 1-8004DISCOVER (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) we reverse side Sail Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 21 Sep 21 PHONE PAYMENT -THANK YOU $ -716.00 Sep 23 Sep 23 OVERLIMIT FEE REFUND -39.00 ---------Sep23_-Sep23---LATE-CHARGE REFUND--- _-_------------------------_---39:00.---------- i Cidw/Miscellaneous Sep 21 Sep 21 PAY BY PHONE PROCESSING FEE - DBT 10.00 ;Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Boldnce Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1697.22 0.07942% 28.99% F 28.994/a $41.78 $0 Cash Advances $5136.01 0.07942% 28.99% F 28.99% $126.45 $0 41- ...1« Flint nnnh, in -it Oremin# nrA nith^r fixed IFi or thev may vary Ni as noted above. Inhportant information- If there is more than one.page to this blli g.sWement, me the ba k of each page for addlanal.nhportant irdonnefion. See your Cardmember Agreement. Your Cw*mmber agreementcanWm afl the terms of yor Acoo+nt Lost or stollen cards. Report immedietalyf Cab 1800.341-2681 Bibtng Rights Summary. In Case of Ertois or Questions About Your BB: If you tsrhk your bill is , or 'lyou need more inlormaion about a transaction on your W, wrb us on a separate shed.of paper at Discover, PO Box.30421, Salt Lake M UT 84130.0421, as soon as wrong possible; We most beer from you no W that 60 days after we sent you the lust bill on which the error or problem appeared You can.tefephom us, but doing sown not preserve your rights. In you WW,, give us theldlowing infonnaton: • Your name arhdAcoarm number • The doer mount of the suspected error Describe One error and explain, 0 you can, why you believe there is an emu If you need more infomtstion, describe the. item. you. ate unsure about. You do not have to pay any amount in question while we are irimfigatirg, but you are still obligated b pay the parts of your bill fret ate not in question.,Wh1e, we investigate your question, we cannot report you as debntarent of lake any action to collect the amount you question. Special Rate for Credit Card Purchases: if you hove a problem witih the quality of goals or services that you purchased vA a credit cad and you have tried in good bAN b oared the problem w 1h the merchant, you may not have to pay to remaining amount due on ft goals or services. You have this protection oily when the purchase price was more tlarh SW and the purchase was made n you home state or within 100. mks of your mailing address. (If we oven or operate the merchant, or b we mdad.you fheadvertisement forthe good or services, all the purchase are covered mgadkm of the smount or location of the pi rcltnse.) Payments. Send We your payment and the top Portion of the statement in to envelop provided. Do not send cash. By sending yotrrdteck es described above, you au thdrize us to use whormeton on your chectto make and electronic Gird tiwWw..irom your account at ft financial ir>s*i1ion indiceted an your cast or to prooesslhe psyment:a8 a check trisection. If the payment is processed as an electronic fund transfer, the transfer will be for theamount of the dheck, When we use Wormatim from yourdieck to make an: electronic field 6atsfer, funds may bewitdrawn from.yom account as soon as One same day we receive your payment,; and you will notreoeive your credit bad from. your financial institution. Theprosesshagofyour pa"t-maybe.delayed•iGyousendasih,carespomdmmorotwratemsiA&yougxymemtjVj*?send thefayrwaiosnyj4d raddtaseorSyoruse-on• -= envelope other than the one provided. Paymeals received in proper form at or pnooessig isa7Ry.by 5PM local lime on any day.wa be credited b yourAtxxwnt as of that day.: Payments received at our processing fecdily eher 5PM kcal lime will be credited to yamAcoaahtas ofi on nett * If you, have misplaced you envelope, send you payment to Discover. PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned :txtp M, we reserve rte r(gAt to rash it as an electronic debit You can pay your minimum payment are greateramount over the Wephone,.and you can set up automatle payments. Callus at 144,347260. You will need this statements d you bank scootrnt Wwabon. You rheas(ensue that suflicierit hinds.re evaleble in you belt Woound, and all transactions mast oomply wilt U.S. Iaw..Yefu will be'asked to provide the fast 5 dOb of you account stademerht ZI code. By erAs* Ilm numbers as your electronic signature, you col be agreeing b this adhoraelat to allow ha and your be* to deduct each payment you autwrize from your.bardcaccount, and toinitete.debit or credit adries to your bads account. as appGeable:,b correct error n the prooessir d such. paymer t You must tef us the amount of each payment, or you can select an amount such as ASnimum Payment Due or the New Bela ce on each ststem srg,You can cancel a payment, however we rust mom nice at lesst.three business.deys ihadvauce of the scheduled payment. You may-notify us by phone at 1.800.941-2883 or by nailat to address fisted in the previous paragraph, if your payments may vary in.a nount we colt tot you on each montly statement when you payment wR be made and show much. itwll ba: Your Automatic payment amount may be less teen l he indidated on to m onldy smtarnent based on craft or psyme is applied during the boiling qde.. Credal Reporting. We mayteporl nfarhrtion ahoW.ynhraooourl to rtadl bdreaus: Lafe'paywrhents, missed payrthents; or other delarts an youraocciel:r7haytiaretediud iii your credit report. We normally report the status and payment history of ydurAocarl to agencies each month. t you believe thatoue report is irecaraw or i con rte; please smite us at tie Ma" address: Dine , PA.Bw 15316, Wilmington, DE 1 16. Please induce your name,.ruddress home tebphorte rhtrrrber. crud Account nwnber. PERIODIC FINANCE CHAGES. Periodic Finance ah are imposed on d transactions fan the datelhe, transaafion is pow to yourAccouuntuntl lie "You . pay yohr. erdre New Balance, by making payments or reoalvirg aedh Howeawer we will provide tie followig'greca period' It you paid the. New Saimaa onyouw iarviours (a14g st*mer tby the Payment Due Date stawn on diet statement, and you pay the New Balance , by the Peyntant Due Date on tt6 statemerd coo well nolimpoee Petiodic.Finenoe CIMPe on now prchases, Hot is, purchases first appearing on this statement Olowlse, youwdl receive a biting statement nett mont.that includes Feriodic Fnamca•Clsrges on i nom new purchases. There is no grew period on balance transfers or cash advances. We sort your tiahsadions rclo groups of purchases, cashadvances, and balance transfers ad then frrlher.aa4 the transactions with each group by theirAnnuml Percergage Rate. For example purchases, sub)ed to a promotional rate and pin heses subpot to standard nb.woild be separate groups. We rater b l>asegroups as transaction ewlegones, At lie. end of each bR'ug period, we compute Periodic Fnence. Charges for each day of the billing period for'eadh basaaim eategory We un.. me folowirveiWaton to compuie.Paflodic for each beruction category. Average Daly Balance x number of days in the blag period x Daffy periodic Rate. (See the fmnce charge summi i on you staterneitfor these erraur,)1(ren -we. $dd t aDePgq F s fiy thedJt>!gY 99o ft PQrig& Fins rtce.Ch?rges ioS 1 mcerege f)etly Balance Ds _hj shown as zero if, because of On grace period, no Periodic Fi ance C barges apply b the balance in a transaction category. We use theAverage Daly Balance (Including new transactions) method of mktlating Be balance upon.wltich we impose Periodic Einaae, Ch irges.;Wa:campute Meh-age Daily Balance for each transectron category by adding up all the daily balances in a b ' period fora trarsadionestegay and dividing the.bW belt rwnber ddays.in.lhe.bH4ug cycle. We compute floe daily balance for each eansettion category -each day by rest adding tta following to the previous day's daily bdace, tram orlon madetratday, fees cargsd that day and Periodic Fnaxe Chagas accrued on that day. If a hmati n is posted to you Account after the dose of the Ix7fmg period in which it occurs. we will treat the transaction as having occurred on lie first day of the billing period in which it is posted to your Account. AN fees dragged to yo rAwount we added to to standard purchase trasactim category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer rronsacion Fee Fiance Charges wtK h are added to the applicable balance ti =Wtransaudion category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Chagas to.the.starderd puidfeae transaction category. However, if to special: rate has bast terminated under tie DeW... Rate Plan, we leave the WPM balance of the balance tra nda end the Balarm Tratider Transaction Fee Fiance Charges in the applicable transaction category until the speow rate would have expeed. For TOD (Telecommunications Device for the NO assistance, all I- .347-7449: Discover may momttor andlor record Weptcne calls between YOU and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank Member FDIC. INGVeMa°F "' iw' Please make check payable to Discover Card or pay online 0 Discovercard.com. 23 SDSN6A02 0025653 MORRISOti, SHARON L Go paperless and make your account Information more secure with password- 243 MEALS DR protected statements only you can access, CARLISLE PA 17015-3183 Learn more at discover,com/paperiess. PD BOX 71084 11111111 1111111 if I III gill If CHARLOTTE NC 28272-1084 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. 0000019866182546961020623651UD205000016600 'Discover More Card Account Summary Closing Date: October 23, 2007 page i of 2 Account number ending in 2472 Previous Balance $6,206.46 Payment Due Date November 22, 2007 Payments And Credits 205.00 Minimum Payment Due $166.00 Purchases + 84.60 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $63.00 Balance Transfers + 0.00 Cash Credit limit $.4,725.00 Finance Charges + 150.45 ;Cash Credit Available $63.00 New Balance _ $6,236.51 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 14.01 New Cashback Bonus This Period + 0.21 Coshbadc Bonus Balance $ 14.22 smy-------- `Cnshback Bonos®Anniver - --- ------------- ---- - --- - -- --- ,Month-. August Cashback Bonus(R) is America's #1 Cash Rewards Programl full 5% Cashback Bonus on Get More purchases in popular cateeggoorries d 1 % h h h k 4 roug out t e year an up to Cashbac ;Bonus on all your other purchases. ;How Can We Help You? p 1. Visit Discover Born to pay your 64 fw no rest, view latest Account Information, earn and redeem rewards and more Ctrs your choice - 3 ways to help 2• Call I.800.DISCOVER (347.2683) for fast, easy aelf 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 Guamntee Use your Discover Card with confidence. Trans. Post Date Payments and Credits Oct 21 Oct 21 PAYMENT - THANK YOU $ -205.00 Gasdine Oct 1 Oct 1 KWIK FILL 262 CARLISLE PA 30.00 Od'S-"i0el -' KWIKFILL 262-CAMBLEPA--------------------- --X3.50------- Oct 7 Oct 7 KWIK FILL 262 CARLISLE PA 15,00 :Supermarkets Oct 7 Oct 7 GIANT FOOD STORES #112 CARLISLE PA 6.10 Important Information. If there is more than one page to this billing statement, seethe back of each page for additional important intomnation. in a ri) See your Cardmember Agreement Your Cardmember agreement contains all the terms of your Account. Lost or stolen cards. Report immediately. Call 1.800.347-2663. o rv Billing Rights Summary. to Case of Errors or Questions About Your Bill: If you tlitk your bill is wrong, or 4 you need more information about a transaction on your 1x9, write us on a o separate sheet of paper at Discover, PO Box 30421, Sall Lake City, UT 04130.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the Lust bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter. give us the following info mstion: ? Your name end Account number The dollar amount of the suspected errs N Describe the error and explain, if you can. wiry you believe there is ern error. If you need more information, describe the item you are. unsure about. You do not have to pay any amount in quedon wile we are Investigating, but you are slit obligated to pay the parts of your bill that are not in question. Whxie we investigate your question, we carrot reportyou as delinquent or take any action to collect the amaart you question. Special Rate for Credit Card Purchases: If you have a problem with Ole quality of goods or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you my not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your hone state or wlflin 110 miles of your nailing address. (If we own or operate the merchant, or if we mailed you the advertisement lot the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Sent only, yyour payment and the top portion of the staiernent in the envelop provided. Do not send cash By sending your clad( as described above. you authorize us to use information on your check to make and electronic fund transfer from your account at the financial institution indicated on your clack or to process the payment as a check transadicn.lf the payrow is processed as an elec?ronic food banner, the transfer a be for the amount of the check When we we ir0ormalion Jtom your che& to make an electrom a turd transfer, funds may be wifhdrarm from your amount as soon as the same day we receive your payment, and you will not mom your check back from your financial institution. - - -Hr?wworer?si>y ap-ye?.e pajrmk;+ktnnaybe dala}ed it y<w?rxirasl? F:? respondohnesorthilt` r-iteu,s wiihykwapaymeN,-rtyok+ send tlat{raykner>Gte inky-other address eraf?eu use.an- .. - _ envelope other than the one provided. Payments focetved in proper form at our processing facility by 513M local time on any day will be credited to your Account as of that day. Payments received at or processing fs sitar 5PM local time will be cradled to your Amount as of the next day. It you have misplaced your envelope, send you payment to Discover, PO Box 6103, Carol Stresm,1cfiity197.6103. Please slaw 7-10 days for delivery. It your payment is returned urpaif, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cal.us at 1.800.3472683. You will need this statement and your bank account information. You must ensure that sulfaiertl fwrfi are available in your bank account, and all transactions must oonpy with U.S. low. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering tree mwrlbers as your electronic signature, you well be agreeing to this authorization to"us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable, to correct error in the processing of such payment. You must tell us the amount of each payment, or you can acted an amount such as Mhimum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at least ha txeiness.days In advance of the scheduled payment. You may notify us by phone at 1-600-947 2663 or by mad at the address listed in the previous paragraph. It your payments may vary in amount we will tell you on each monthly statement when you paymentwr9 be made and haw much it will be. YorrAutornak paymarkt amount may be Jess tree to kdcahed on the monody statement based on credits or payments applied drying the bdkngcyhde. Credit Reporting. We may report information about your account Io credit bureaus. Late payments, missed payments, or other defaults on your amount may be reflected in your credit report. We normally report the status and payment history of your Aooorrt to credit reporlrg agencies each month, If you believe that our report is inacarate.a incomplete, please write us at the following address: Discow, PO Box 15316, IhNnargton, DE 19850.5316. Please include your name, address, home telephone rrmber and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to yourAcmunt until the date you pay your entire New Balance, by making payments or racxiihmug credits. However, we wi provide On fol iwing'grace period' If you paid the New Balance on your pervious billing statement by the Payment Due Dato atom on that statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new purchases, Orel is. purchases first appearing on this statement. Otherwise, you wolf receive a bolting statement next month that includes Periodic Fnanoe Charges on tars new purchases. Thera is no grace period on balance transfers or cash advances. We sort your transactions etp groups of purchases, cash advances, and balance transfers and than k*w sari the transactions within each group by thel Mrwal Percentage Rate. For example purchases subject to a promotional rato and purchases su *ct to standard rate would be separate groups. We refer to these grouses as I mnsockon categories At the and of each billing period, we compute Periodic Finance Charges for each day of the billing period for each 8anseclon category. We use the following equation to compute Periodic for each transaction category . Average Deily Balance x number of days in the Wing period x Daly Periodic Rate. (See the krone charge summary on your statemhent for these z4b1Pnmws.adctupOrePeriodicFkhe7,e.ClwarwakhreahJlr4rW,ieucftk,g .IogetIkeJoleL?ad4JLhtEromaw a faYm.AogW Aeaveiege.4a?r Qlaw g.ii shown as zero 9, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daly Balance (including new tnansar lions) meted of calnulefig the balance upon which we impose Periodic Fhranoe Charges. We compute the Average Daly Balance for each transaction category by addnq up all the daily balances in a billing period fora.transecton category and dividing via total by the number of days in the b'llcp cycle. We compute the daily budance for each transaction category on each day by first adding the following to the previous days daily balance, transactions made 'that day, fees charged that day and Periodic Finance Chargea accrued on that day. If a transaction is posted to your Amount after the close of the billing period in which t occurs, we will treat the transaction as having occ reed on the first day of the bft period in which it is posted to your Account. . An fees charged to your Amount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to this applicable cash advance transeclion category and Balance Twk*Tramiction Fee Finance Charges which are added to the applicable balance transfer transaction category. VVhe n the special rate expires, we move ire unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, 4 the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired., For TDD (Telecommunications Device for the Deaf) assistance, cal f-800-347-7449. Discover may monitor andfor record telephone calls between you and Discover representatives for quality assurance purposes The Discover' c erd is issued by Discover Bank, Member FDIC. ilerertxrt»r lz, 2UU7 Please make check payable to Discover Card or pay online 0 Discovercard.com. 23 SDSN6AO2 0025654 MORRISON, SHARON L Go papedess and make your account information more secure with password- 243 MEALS BR protected statements only you can access. CARLISLE PA 17015-3183 1.earn more atdiscovercwWpaperiess. PO BOX 71084 111 11 [111 NJ 1111194116 111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to Lloll I I lIII lrlLrJ1 rIrII I IIIIIt rJr1 I11 1111 ff iluliililrrll receive important Account information and special offers. 0000019866182S4696102062461500205000017100 ---- ' Discover More Card Account Summary Closing Date: November 23, 2007 page 1 of 2 !Account number ending in 2472 Previous Balance $6,236.51 Payment Due Date December 22, 2007 Payments And Credits 205.00 Minimum Payment Due $171.00 Purchases + 58.82 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $53.00 Balance Transfers + 0.00 Cash Credit limit 54,725.00 finance Charges + 155.82 ,Cash Credit Available $53.00 New Balance 56,246.15 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 14.22 New Cashback Bonus This Period + 0.14 Cashbadc Bonus Bdance $ 14.36 ashbo& Bonw&Anniversa --------------------------------------------------------------------------- Month: August 'Cashback BonustR) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus ,on Get More purchases in popular calories throughout the year and up to I% Cashback Bonus on all your other purchases. HOW Can We Help You? 1 • Visit Discover com to pay yaw bill for no cast, view your p latest Account Information, cam and redeem rewards and more 'It's your choice - 3 ways to help 2. Call 1.800•DISCOVER (347.2683) for fast, easy seXurvice options or to speak with a Customer Service Account Manager Please have your Discover Card avaikabls. 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 Payments and Credits , ti&rchandise/PWIJA DTraans. Post Data Nov 21 Nov 21 PAYMENT - THANK YOU $ -205.00 Nov A Nov 4 DOLRTREE 9000009084868 CARLISLE PA 29.97 -----Nov6---NoviS---HOLISE OF1CARDSCARIJ&E Put---------- - ---87'------ Gasoline Nov 4 Nov 4 KWIK FILL 262 CARLISLE PA 20.00 Important Information. If there is more than are page to this bating statement, seethe back of each page for additional important information: See your Cardmember Agreement. Your Cardmember agreement contains al the terms of your Account. Lost or stolen cards. Report immediately! Cap 1-000347.2683. Billing Rights Summary. in Case of Errors or Queshons About Your Bit if you kink your big is wrong, or if you need more information about o transaction on your bil, write us on e separate street of paper at Discover, PO Box 30421, Salt Lake City, UT $4130-042 1, as soon as possible. We must hear from you no later dw 60 days after we sent you the flat bill on which the error or problem appeared You can telephone us, but doing so win not preserve your rights. In your letter give us the following W mation: • Your name and Account number • The dollar amount of the suspected error • Describe the error and explain, t you can, why you believe there is.an error. If you need more information; describe the item you are unsure about You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your big that are not In question. While we investigate .your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rate 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 have tried in good faith to correct the problem with the merdrerd, you may not halo to pay the remaiumg amount due on the goods or services. You have ft proWhon only when the puroliese, priw was more then $50 end the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or I we mailed you the advertisement fate good or services, all the purchase are covered regardless of to amount or location of the purchase.) Payments. Send only you payment and the top portion of the statement in the envelop provided. Do not sand cash. By sending your check as described above, you au lhorize us to use informaton on your deck to make and electronic W transfer from your account at the financial 'a Atution indicated on your check or to process the payment as a check transeclift Nthte payment is processed as an eledrordc bW transtar, the transfer Y A be for the woo of the deck. When we use inbrmhasm from Your check to make,w eledronic hand trasfer. hinds may be wdhdrawn from your account as soon as the same day we wows your payment, and you will not reom a you check track from your financial ifhstihrion, W. -pm 4 go efye:r psyrnent•mayi+a dek addyou-SW44Lash srrresp+:cLHm ll or 4, the0pmswn<hycw:payrawtr 4you. send the psyme"any.ott"addressor4yoausean envelope other than the one provided. Payments received in proper form at our processing facility by5PM local lime co any day will be credited to your Acwurt as of that day. Pap aft received at cur processing faa* slier 5PM Local time will be credited to yourAccounl as of the next day. 11)w havemblifecmad your envelope, send your payment to Discover, PO Box 6103, Carol Stream, d 601976103. Please allow 7-10 days for defivery. If you payment is returned unpaid, vie reserve the right to resubmit it as an electronic debit. You can pay your minirmnn payment or a greater amount over the telephone: and you can set up automatic payments. Callus at 1.8003472683. You will need this statement and your bards socoknt mbrmatton. You must ire that sufficient Rands are available in your bank account, and all transactions must =" with US. law. You wit be asked to provide the first 5 digits of you account statement ZIP Cade. By entering those numbars as your electronic signature, you wig be agreeing to this eugwrrizalim to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or relit entries to your bank account as applicable, to correct error in the prooessirhp of such payment You must tag us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance as each statement: You can cancel a payment. however we must receive notice at Me Shras business days in advance of the scheduled payment You may nofiy us by phone at 1800.347-2683 or by nail at the address fisted In the previous paragraph. If your payments may vary in amount we will leg you on each monthly statement when your payment will be made and how much it will be. Your Automate payment amount may be less then the Indicated on the monthly statement based on credits or payments applied doing the biting cycle. Credit Reportin& We may report information about your accent to credit bureaus. Late payments, missed payments, or other defadk on your account may be.re0eded In your credit report. We normally report the status and payment hstory of your Accotnt to credit repaprrg agencies each n>onth. tit you believe Orval our report is hmmate.or 0mompbfe. please write us at the mllo ving address: Dwea ve PO Box 15316, Wilmington, DE 198505316. Please include you name, address, hone telephone number and Account nurnber. PERIODIC FINANCE CHAGES. Periodic Finance Charges are Imposed onall transactions from the dale the transaction is posted to your Account wadi the date you pay your entire New Balance, by making payments or recehv V credits. However, we will provide the lollowing grace period' If you paid the New Balance on yorpervio s toiling statement by the Payment Due Date shown an that statement. and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Changes on new purchases, that is, purchases list appearing on this statement, Otherwise, you will receive a billing statement next morel h fret includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and than further sal the Vensadios within each group by their Annual Percentage Rate. For example purchases subject to a promotional tale and purchases subject to standard rato.tvowdd be separate groups. We refer to these groups as transaction categories. Alto. end of each billing period. we compute Periodic Finamoe Charges for each day of the biting period for each transaction .cekgory. We use rte following equation to compute Periodic for , h transaction category. Average Daily Balance x number of days in the billing period x Deily Periodic Rate. (See the finance khalge summary on you statement for these A :L a WZLJ : w 0E arld PR 11 Perjodic.Financn Cb3 msl. t : , EP.m 0qr, c@ 1?gory to 90 hhg "IPeno fkFlnar C_tuerggs (or your Accarnt The average Daly Balance is ------ shown as zero i!, because of the grace period, no Peiodc Finance Charges apply to the balance in a transaction category. We use Me Average Daily. Belartoe (mcludintg new transactions) method of calculating the balance upon which we impose Pe kxk Finance Charges. Weoampute the Average Daily Balance for each transarbau category by adding up all to daily balances in a biting period for a transaction category and dividing the total by the number of days in the baling cycle. We aampute the daily balance for each transaction category on each day by first adding the blowing to the previous day's daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on Oat day. if a transaction is posted to your Account after the close of the billing period in which R occurs. we will treat the transaction as having occurred on the first day of rte billing period in which it is posted to your Account. Ali fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges to the standard purchase transaction category. However, if the special rate has been terminated under the Default Rae Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until to special rate would have expired. ForTDD (Telecommunications Device for the Deal) assistance, cap 1400-347-7449. Discover may monitor and/or record telephone caps between you and Discover representatives for quality assurance purposes The DisooverO card is issued by Discover Bank, Member FDIC. JonuO LL, LWVO P1 f ?' ease mace c:-ec < !>ayab e so n1.uevar C „arcs o* pay oniine @ Discovercard.com. 23 SDSN6A02 0025655 MORRISON, SHARON L G:) paperless and make your information more secure with password- 243 MEALS DR protected statements only you can access. CARLISLE PA 17015-3183 earn more at disc:overcamrpaperless. PO BOX 71084 111 rrr11r,ur1111111111111s1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to D13COver.com. Print your e-mail address to receive important Account information and special offers. 00OUG19866182546961020627998402050000166013 Discover More Card Account Summary Closing Date: December 23, 2007 page 3 of 2 Account number ending in 2472 Previous Balance $6,246.15 'Payment Due Date January 22, 2008 Payments And Credits 205.00 'Minimum Payment Due $166.00 Purchases + 88.08 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $20.00 Balance Transfers + 0.00 'Cash Credit limit $4,725.00 Finance Charges + 150.75 'Cash Credit Available $20.00 New Balance _ $6,279.98 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus- Opening Cashback Bows Balance $ 14.36 New Cashback Bonus This Period + 0.22 Cashback Bonus Bdance $ 14,58 C-oshback Bonas® Anniver - - - - - - - - - - - - - - - - Month: August Cashback BonUS(R) Is America's #1 Cash ',Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular cat ties h hk d throughout t up to 1 % Cas e year an !Bonus on all your other purchases. Can We Kelp You? ;How p I . visit Discover on to pay your bd for no cost, view latest Account information, earn and redeem rewards a and more s to hel our choice - 3 wa It's 2. Call 1-800AISCOVER (347-2683) for fast, easy self-service p y y ;Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us of Discover Card, PO Box 30943, 'For TDD (assistance for hearing impaired) no reverse side Salt Lake City, UT 84330 ;Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date 'Payments and Credits Doc 21 Dec 21 PAYMENT • THANK YOU $ -205.00 Rsstauranis Dec 6 Dec 6 BONANZA STEAKHOUSE 717 CARUSLE PA 28.93 '---- -------- - --1 22 x-22- -BONANZA-MEAKHOUSE7T7-CARITRIE PA - -- - -- 44.1 ------ Doc 7 Doc 7 KWIK Flit 262 CARLISLE PA 15.00 Important Information. If there is more than one page to ftds bitting statement, see the back of each page fa additional important information. See your Cardmember Agreement Your Cardmember agreement contains all the terms of yourAcceunt Lost or stolen cards. Report anmediately! Call 1400-347-2683. Billing Rights Summary. In Case of Errors or Ouestians About Your Bill: If you hnk your bill is wron or 9 you need more information about a transaction on your bit, wrle us on a separate sheet of paper at Discover, PO Box 30421, Sak Lake City, UT 84130-0421, as soon as possible. We must hear from you no later dnah 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your leper, give us the following information: Your name and Account number The dollar amount of the suspected error Describe the error and explain, t you can, why you believe there is an error. If you need more information, describe the Rem you are unsure aloud. You do not have to pay any anoint in question while we are investigating, but you are still obligated to pay the parts of your bill that are rot in question. While we investigate your question, wre cannot report you as delinquent or halve any action to collect the amount you question. Special Rate for Credh Card Purchases: If you have a problem with the quality of goods or services that you purchased wrlh a credit card and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your tame state or within 100 miles of your mailrg address. (If we own or operate the merchant, or if we mailed you the advertisement fort he good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your payment and the top portion of the statement in the anvelop provided. Do not send cash. By sending your deck as described above, you authc rize us to use euluxm>alion on your check to make and electrortic fund transfer from your account at the financial instilutiort indicated on your check or to process the payment as a check transaction. N the payment is processed as an dectriork fund Irard a the transfer wall be for the.arrrowd of Ohe check. When we use irdamatirn from your check to make an electronic turd transfer, finds may be withdrawn from your account as soon as the same day we receive your payment, and you will not mom your check back from your financial institution. - - -Bw I nxxKsirhg ofyeur papnenkrojbe der:y-:fit yo usenvicesh, enre pondeneeorodheFiler,» xdb guar-payahe>l,ityee sethd the paymenNe any-oUeF adkkess w4l-you use an- - - envelope other own the one provided. Payments received in proper form at our processing la ilily by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing fac ly after 5PM local time wA be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol SUeam, IL 6b197.6103. Please allow 7-10 days for deWery. If your payment is returned unpaid, we reserve the right to resubmit t as an electronic debit You can pay your mirnmu m payment or a greater amount over the telephone, and you can set up automatic payments. Call.us at 1800-3472683. You va6 need this statement and your bank account information. You must ensure that sufficient funds are available in your bank accent. and all transactions must comply with U.S. law. You wig be asked to provide the first 5 diggs of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to slow us and your bank to deduct each payment you authorize from your bank account, and to initials debit or aedd entries to your bank account, as applicable. to correct error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel a payment, however we mast receive notice at least Ores business days in advance of the scheduled paylnettt. You may no* us by phone al 1-NO-347-2683 or by maN at the address listed in the previous paragraph. If your payments may vary in amount we will tell you on each monthly statement when your payrrent.will be made and how muds it Will be. YwAutoma6c papmot a Tww may be Tess loran the indicatad on the rnori ft slatemerd baseid on credits or patmentsappied during the billing cyde. Credit Reportktg. We may report idonrntiat about yours co rd to credit bureaus. Late payments, missed payments, or fisher defaults on your account may be reflected in your credit report. We ncenadly report the status and payment history of your Account to credit reporting agendas each mach. If you believe that our report is inecarate, or incomplete, please write us at the following address: Discover, PO Box 15316, Whirigton, DE 19850-5316. Plesee include your name, address, hone telephone number and Amount number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are trrTrOSed on all transactions from the dale ft transaction is posted to ywAomunt until the date you pay your entire New Balance, by making payments or teoeiving credits. However, we will provide to followi g'grace period' It you paid the Now Balance on your pervious billing statement by the Payment Due Dale shown on that statement, and you pay the New Balance by the Paytrhertt Due Date on this statement we will not impose Periodic Finance Charges on new purd*ses, that is, pwramses first appearing on this statement Othenwiss, you wall recenre a billing statement next month that includes Periofrc Finance Charges on Case now purchases. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and than furlher.sod the transactions within each group by thw Annual Percentage Rate. For example purchases subject to a promotional rate and purchases subject to standard rate world be separate groups- We refer to these groups as transaction categories. At the end of each billing period, we compute Periodic Finance Charges for each day of the biting period for each transaction category. We use tie following equation to cempAs Periodic for each transaction category. Average Daily Balance x number of days in the bifmg period x Daily Periodic Rate. (See the finance charge summary on your statement for these - ?e • :aw 'J w.weaddhnm the PaicaGcFirvuh• t l; tt;r s brxF d)L J l lJx n ??L?gay-to gattbelofal.l?e:iaf+C fjamiceLbWti-ix-?w Account Theaverage. Dady-flalance is shown as zero 9, because of the grace perky(, no Periodic Finance Charges apply to the balance in a transaction category. We use the average Daly Balance (including new transwAns) method. of calculating Ote balance upon which we impose Periodic Firience Charges. We compose the Average Daily Balance for each transaction category by adding up at the daily balances in a biding period for a transaction category and dividing the bW by the number of days in the billing cyde. We oompute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance, transactions made that day, tees charged that dap and Periodic Finance Charges accrued on that day. If a transaction is pasted to your Acccim after the close of the bi8ing period in wtdch it occurs; we will treat the transaction as having occurred on the first day of the biting period in which d is posted to your Account. Ale fees charged to your Account are added to the standard purchase trarsaclJoin category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee France Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges to the standard purchase transaction category However, if ft special rate has been terminated ceder the Default Rate Plat, we leave to unpaid balance .of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable Imnsadion category until the special rate would have expired. For MD (Telecommunications Device for the Deaf) assistance, call 1800-347-7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. rebruary 22, zuVU Please make check payable fo Discover Card or pay online 0 Discoverca,cl.com. 23 SDSN6A02 0025656 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 Address, e-mail or telephone changeg Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019866162546961020625121002135000017200 ------------- . - - ---------- - ..-.r-------- Discover More Card Account Summary Closing Date: January 23, 2008 page t of 1 Account number ending in 2472 Previous Balance $6,279.98 '.,Payment Due Date February 22, 2008 Payments And Credits - 205.00 ;Minimum Payment Due $172.00 Purchases + 20.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $48.00 Balance Transfers + 0.00 'Cash Credit Limit $.4,725.00 finance Charges + 156.23 Cash Credit Available $48.00 New Balance $6,251,21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 14.58 New Cashbock Bonus This Period + 0.05 Cashback Bonus Balance $ 14.63 ?CashbackBonosWAnniversa ------------------------------------------------------I Month: August Cashback Bonus(R) is America's #1 Cash Rewards Program1 Full 5%Cashback Bonus 'on Get More purchases in popular categories h th h d hb c t roug out e year an up to 1 % Caas a k Bonus on all your other purchases. How Can We Hel You? p 1 • Visit Dkover can to pay your be for no cost, view your latest Account information, earn and redeem rewaMs and more It'S your choice - 3 ways to help 2. Call 1-8004USCOYER (347-2683) for fast, easy self-service f'leose have your Discover Card available. For MD (assistance for hearing impaired) see reverse side 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 payments and Credih go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 Ilirsrllrrrulrl.ellrelsir! CHARLOTTE NC 28272-1084 I,?Irll??l??rl?ll„rl??l?lr??flll?r?l?rl?rl??ll??lr?l?rl?l??fl $0 fraud Liability Guarantee Use your Discover Card with confidence. TDate Post Date Jon 21 Jan 21 PAYMENT - THANK YOU $ -205.00 Gasoline Jan 9 Jan 9 KWIK FILL 262 CARLISLE PA 20.00 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Transaction Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE fRNANCE FtNM1CE Bolonces Rates RATES RATES CHARGES CHARGES current billing period: 31 days _ Purchases $686.91 0.07942% 28.99% F 28.99% $16.92 $0 Cash Advances $5658.33 0.07942% 28.9976 F 28.99% $139.31 $0 The rates that aooiv to vour Account are either fixed 11`1 or thev may vary M as noted ahnve knportai t InfomhMhon. If there is more than one page to thou biting statement, see the back of each page for additional important information. CO 0 See your Cardmember Agreement. Your Cerdmember agreement contains all the terms of your Accent. CO Lost or stolen cards. Report i imediatetyl Call 1800-347.2683. oh o Billing Rights Summary. In Case of Emors or Questions About Your Bill If you think your bit is wrong, or 0 you need more information about a transaction an your bl, write us on a N g separate sheet of paper at Discover, PO Box 30421, Seat Lake City, UT 84130-0421, as soon as passible. We must bear from you no later than 60 days after we sent you the fast bill `N " on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: rn • Your name and Account number The dollar amount of the suspected error .r • Describe the error and explairk if you can, why you believe there is an error. N you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are arvesligating. but you are still obligated to pay the pans of your bill that am not in question. While we investigate your question, we cannot report you as detinquerd or take arty action to celled the amount you question. Special Rate 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 have tried in good Faith to correct the problem with the marcharht, you may not have to pay the remaining amount due on the goods or services. You have this proWim only when the purchase prim was more than $W and the purchase was made in your home slate of within 100 miles of your makng address. (If we own or operate the merchant, or if we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash, By sending your check as described above, you authorize us to use adamation on your check: to make and electronic fund transfer from your account at the financial istiltion indicated on your chedr or to process the payment as a check wansacOon. Ithe payment is proeessedas an etecaonic Acrd fram8faf, go barmsfer 0 be ter Owamotmt of the died. When we use infamaton from your check to main an electronic tlfd transfer. funds may be withdrawn from your account as soon as it* same day we receive your payment, and you wil l not receive your check back from your &wide] institution. ___ f`fpCa5F:R9 t317'W,L'fhaymalt•Inaybe delayed Ili y1D1bRIN],filfiti Goo N'lilw«:w ?kXigiCtlCF1iP.MIL V:w'i'iiW:lk':yiuilt,Jh yGLLSkrld the paymeAlte enyatlheFaddressarit.ycxm.usa an -- - envelope other than the one provided. Payments received in proper form at okf processing facility by 5PM local time an any day will be credited to your Account as of that day. Payments received at our processing facilly after 5PM focal time will be credited to yarAcco t as of do next day. If you have misplaced your eruvefopa, send your payment to Discover. PO Book 6103, Curd Stream, It 60187.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debiS You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 14W-3472663. You will need this statement and yam bank aarourd rJormnalim You must ensure Osat sufficient funds are available in your beck account, and all transactions maul comply with U.& law You will be asfted to provide the fast 5 digits of you accent statement ZIP code. By entering those numbers as yew electronic signature, you will be agreeing to this authorization b allow its and yew bank to deduct each payment you aullio ize from your bank amount, and to mitiste debit or credo entries to your bank account, as applicable, to owed error in the prooessN of such paymeaL You must tell us the amount of each payment, or you can select an amount such as Minirsem Payment Due or the New Balance on each statement You can canoel a payment, however we must receive notice at least three business days in advance of the sctaduted payment. You may notify us by plane at 1-8"7-2683 or by mail el the address fueled in the preview paragraph, 0 yoke payments may very in amount we W1 tell you on each monthly statement when your payment will be made and how much A will be. Your Automatic payment amount may be loss then the Mated on the monthly statanent based on credits or payments applied during the biting cycle. Credit Reporting. We may report mfeormalion aboW.your account to credit bureaus. Late payments, missed payments, or other defaults on your'aocount may be reflected in you credit report. We normally report the status and payment history of yew Account to urea reporting agencies each month. 0 you believe that our report is inaccurate or incomplete, please write us at the following addrass: Discover. PO Box 15316, Wiknagion, DE 198505316. Please Oclude your name, address, home teephons number-and Accent number. PERIODIC FRIANCE CHAGES. Periodic France Charges are imposed on all transactions from the date the transaction is posted to yew Atcount until the date. you pay yoke enure New Balance, by making payments or receiving credits. However, we wll provide the kliewug 'grace period' If you paid to New Balance on your pervious billing statement by the Payment Due Date shown on that statement. and you pay the New Balance by the Payment Due Data on this statement we will not appose Periods Fine= Chagas on new purchases, that is, purchases fire appeakinil an this statement pttenw ' you will receive a billing statement next math that includes Periodic Finance Charges on these, new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance Ini sters.aad then Griner sod the transactions w ftn each group by their Annual Percentage )fate. For example pwdmases subject to a promotional rate end purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each bitting period, we compute Periodic Finance Charges for each day of the telling period for each transaction category. We use tie following equation to compute Periodic . for each transaction category Average Daly Balance x number of days in the bang period x Daly Periods Rate. (See the finance change summary an your statennerdlor these °^ :acts .f_Then xrs add tort.du4Period c F_irtata8 £hap7as fQr eR,h t[ansatl+oLCatit l?rY lo9et the Nrtat PeriokfjnflrLcg Gf hPu9@slor Koh Agcarnl,.ihe p`rera9a 9g6y Be&tnge is - - - -. shown as zero if. because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use theAverage Daily Billerica ( "-••"•a Oast transactions) meted of calculating the balance Ipan.Ydict we impose Periodic Finance Charges. We eonpttte treAverags Daly Betarce f o r each transaction category b y adding up all the daily balances in a billing period for a transaction category and dwddmg the total b y t h e number of days n tiro bf frig cycle. We conpula the doily balance for each transaction category on each day by first adding the fdowirg to the previous days daily balance, transadiais made that day, tees d ged that day and Periodic Fiance Ctherges accrued on that day. If a transaction is posted to your Account after the dose of the tilling period in wSch d occurs, we will treat the transaction as having occurred an the first day of the billing period in which ft is posted to your Account. AN fees charged to your Account are added to the standard purchase transaction category wih the exception of Cash Advance Transaction Fee Finance Charges which are added to time applicable astir advance transaction category and Balance Transfer Transaction Fee Fnerae Charges which are added to the applicable balance transfer bansadion categoryr. When the special rate expires, we move the m *d balance of the bafarxe transfer and to Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category However, if the special rate has been tarmtineled wrier the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges in the applicable transacion category until the special rate would have expired. For TDD (Telecommunications Device for the Deal) assistance, eat 1-1100-341-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. March cz' .cvOe Please make checkpayalole to Discover Card. You are o-erlimit. Pay the sum of the monthly minimum payme& plus the ovedimit amount bf 23 SDSN6A02 0025657 $379.66. MORRISON, SHARON L Go paperless and make your account information more secure wi';h password- 243 MEALS DR protected statemerts only you can access. CARLISLE PA 17015-3183 Learn more at discover.com/paperiess. 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 11111111111111 It It loll 11111111111 CHARLOTTE NC 28272-1084 ItrLIlttLttltlLttLrlIII tllllntl,tlPill llulttltihinll 000001986618254696102066796600000000034800 Discover More Card Account Summary dosing Date: February 23, 2008 page 1 of 2 Account number ending in 2472 Previous Balance $6,251.21 Payment Due Date March 22, 2008 Payments And Credits 0.00 Minimum Payment Due $348.00 Purchases + 267.97 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance Charges + 160.48 Cash Credit Available $0.00 New Balance - $6,679.66 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CcAback Bonu a Opening Cashback Bonus Balance $ 14.63 New Cashback Bonus This period + 0.47 f Cashba& Bonus Balance $ 15.10 Cwhback-Bonuse Anniversary-------------- -------------------------------------------------------- Month: August How Can We Hel You? p 1. Visit Discever.com to pay your 14111 for no test, 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 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 Merchandise/Retail Jan 23 Jan 24 DEALS 3431000343 1 A868 CARLISLE PA $ 18.19 Restaurants Jan 22 Jan 24 BONANZA STEAKHOUSE 717 CARLISLE PA 26.38 Jan 23 Jan 24 BOB EVANS REST #0281 CARLISLE PA 22.04 Other/Miscellaneous Feb 23 Feb 23 OVERUMIT FEE 39.00 Feb 23 Feb 23 LATE FEE 39.00 Gasoline Jan 22 Jan 24 KWIK FILL 262 CARLISLE PA 20.00 Jan 23 Jan 24 KWIK FILL 262 CARLISLE PA 24.00 iS arkets --`------kn23--78n24 upsrm 811 :36 -- - - - - - GIAT?TFCK3U#Tt2CAIrL[SCEPA' -- - -- ------------ i 000034 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Important Information. If there is more than one.page to this tiiRrg statement seethe back of each page for addi6Onalimportant Kbaridon.. See your Cardmember Agreement. Your Cardmetnber agreement oomsins al 9ia terms of yo rAcomnL Lost or stolen: cards. Report immedii i Cat 1800.347-2683. Bing Rights Summary. In Case of Errors or Questions About Your BB:' If yyrou twtd yoiu fill is w mm. or ff you head more infannsim WW a tart obis on yow bit, write us on e separate shsdd paper at Discover. PO Box 30421, Salt Lake City, UT 84130.0421, as soon as poasuhle. We must>rear from you no later than Pilo days after we sent you the fird bill on which the error or problem aMered: You can telephone us, but doing so will not preserve your rights. in your letter, give us tfrefobwing iMoim'atan: • Your name and Aooount number • The dollar amount of the suspected error Describe the error and explain. 4 you.can, why you believe two is en era. if you need more information; describe the item you are unsure about. You do not have to pay any amount in question while we are inmfiptgg, but you are ahll abated lo pay the parts of your bill that are notin question, While we enastigate your question. we cannot report you an delshatent or take any action to oohed the amount you question. Special Rate for Credit Card Purchases: If YOU have a problem with the quality of goods or services that you purchased with a aedif card and you have tried in good faith fo correct the problem with the merchard, you may not have to pay Ole rernainirg arrant due on the goods or services. You have this Woloclim sly when the puadhase price was more than 850 and the purchase was made in your home state or within 100 miles of your mailing address.. pfweom or operate the merchant or ff we maded'yeu the.adverlisenrehl for the good or services, ail the purchase are covered regardless of the.amunt or location of the. purpose.) Payments. Send only your payment and the top portion of the statement in the arwelop provided. Do not send coati. By sending your chock as described above, you authorize us to use irdormudau on your dnedk to make and dedronic find transfer from your aecowitat fie frterudal Institution indicated on your check or to :process the payment as a check transactbrL.lf the payment is processed as an elearorlc find transfer, the tander will be for tie s mount of the check. Whenm a use information from yourdredrto maim an. also# o fond trander, tr& may be withdrawn from your amount as soon as to same day we receive your payment,' and you v4 riot reoeiye your check, bad from your finandal iruGhAion. TheprocessMgafYour paynhentfiaybedeIsyedtyosaenrfrashrsomesponderi aor4OW4tamawilywwpaymom,47-lousendtle-paymen4laat"heraddresss4yuwasean- envelope other then the one provided. Payments received in proper form at our procesoi g limy by.5PM local lime on any day will be credited to yourAcoou t as of toil day,. Payments received at our processirg. ty alter 51'M local time will be aedled to yo rAcc ou t as of the need My t you have misplaced your envelope, send your payment to Discover, PO Bau6103, Card Stream, IL 60197-6103. Please afar 7-10 days for delsrery. tyour payment is retunedwipeid, we reserve the right to resubmit d as an electronic debit You can pay your minimum payment or a greater amount over the leleptwne, and you con at up snramaic payments. Cat us at.1MD 3472683..You will need M statement and your bank accent information. You must enelwe the finds are available in your bank account, and of transactions must canphytw'tt VS. law. You wilt be asked to provide the frai 5 digits of you accent steiemert ZIP coda.. By entering those numbers asyoureleetronic signaW, you wt be agreeirg tothis sidhg aiah to slow us and yofr bank to deduwi each payrtnem you auhorize from your bank ieccawd and to iriiate debit or credit entries to your bank account, as applicable, to correct error in phe processing of such, payment You must let us the amount of each payment: or you can whid an amount such as Mirimum payment Due or *9 New Balance on each statemenbYou con canon a payment, however we nab receive notice at least tree business days in advance of the scheduled payment You may ratify us by phone at 1 00.347 26A3'dr by mad at to adder Isled in the pravious paragraph. If yaw payments maydvery in atrium we will tell you on each m or" 90ment whoa gar paymentwut be made and taw much it will be. YourAulomeic payment amount may be lass Oren the indicated on do monhly'staterrmu based on credits or payments applied during tie bitrtg aide. Credit RetrorlNg. We unayttsptxt information aboh6)our.account to credit bu'reaue Life payments, mksed paynhema, or other datauls on your account may be tiiAeded in your credit report. We rsrnrnety rt>porttlha sletrti and paymtent history of your Adxiousd to padR itias each month; t ytw beieve thetour repafis led cisele.er inihdmplete, please write W at the fdloxfig addrew. Discover PO.Box 15316,Wdmidhgton, DE 1=16"Nagen.,dude yaw nine; addresshm* fafepti m rainnbu and Ap=xt number. PERIODIC FN MCE CHAGES. Pwkxk France Charges are imposed on all transactions. from the date the. transaction is pasted to yourAca inturm the date yar. pay yotlr ea pre New Below, by maki% Wents of mativ+hg aedtp. tiowrever, we will Wends 9 •! perW R you paid the New lialernce an your puuvias bdirng stelamettby the Payment Due Date shown on Oret stmemeril, and your pay the New.Balence by the Payment Due Date. on fhia stelermem we will not impose Periodic Finance. Charges on new purchases, that is, p itchaws first appearing on this statement. Otherwise, you wid7ecoW a bilirg.sleternem next mordt that incudes Periodic Firiam,Charges on those new purchases. There is no grace period on balance transfers or cash advances, We sort you transaction ihle grails of pure, cash advances, and belence tray den;and then further.sort the t eroadions vmBm each group by their Annual Peroenlege Rate. For example purchases shrbjed to a prargtonal rate and purchases tmlyect b standard rots would be separate groups. We refer to Lase Wwjp as fronsacion ielegories. At ilia and of each bring period, we compute Periodic Finance Charges for each day of the brlCeg period for each transadan category. We use tut following equation io =Wide Periods for each transaction category Average Daily Balance x number of days it the bN'ing pedodx Daily Period's Rate. tSee the inane charge summery on your stowmem.for these amounts.)Jhenwe add up.tbe-RericKkFirohceCharges for eachttanseciorLeategaytlogelthelalelPsriDdid:FrnanoeChetgeslorpxA=xmLlheawetage-Deily Belem is shown as zero A, because of the grace period, no Periodic Finance Choose apply to the balance in a transaction category. We use the average Daly Balance (mokrdng new transactions) method . of calmiatirg the balance upon winch we Impose Periodic Fitmrse charges. We:txrnpute the:Average Defy Belem for each bavnsection category/ by adding up aY the daily balances in a billing period for a trarnsacoon ceteM and divitfiug the WW by the number of days n.tie bilimg cycle. We compute the daty balance for each transeciau category on each day by list adding the MowkV to the previous day's dady ba*=, transactions made that day, tees charged that day and Periodic. France Chagas accrued on that day. If a transacton is posted to your Accent after the dose of the biting period in which it occurs, we will treat the transaction as having occurred on the list day of the billing period in which ft is posted to yo rAoaount. At fees charged to yawAcoount are added to the standard purchase transaction category, with the ensepOon of Cash Advance Transaction Fee Finance Charges'wtldh are added to to applicable cash advance trensscaon category and Balance Transfer Transaction Fee 06Charges which are added to the appicable balance transfer transaction category. When the special rate expires,, we move the unpaid balance of the balance transfer and the Balance Tro nder Transaction Fee Finance Charges to to standard purchase. transaction category. However if the specrsi rats has boat lermiutated under the Deou ll Rate Pima, we leave the unpaid balance .of the balance transfer and the Balance Transfer Transaction Fee Fmence. Charges in the applicable transaction category until the special rate would have expired. For TOD (Telecommunications; Device for the Deal) assistance, call t-000.347.7449: Discover may mo,dor andfor record telephone calk betwee.n you and Discover representatives:for quality assurance purposes The Discover' card is. issued. by Discover Bank; Member FDIC_ April .cs, xuuo Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of 23 SDSN6A02 0025658 $613.23. MORR ISON, SHARON L Go paperless and make your account information more secure with password- 243 MEALS DR protected statements only you can access. CARLISLE PA 17015-3183 Learn more at discover.com/papertess. PO BOX 71084 111 no 11 11111 11 1 11 11 11 11151 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (nn?r??no?rrr?r ?nrr?roEr?orr???{rnr?rr?rr1rr11till ilr1111rrf1 above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986618254696102069132300000000051900 Discover More Card, Account Summary Closing Date: March 23, 2008 page 1 of 2 Account number ending in 2472 Previous Balance $6,679.66 Payment Due Date April 22, 2008 Payments And Credits 0.00 Minimum Payment Due $519.00 Purchases + 78.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance Charges + 155.57 Cash Credit Available $0.00 New Balance - $6,913.23 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cash6xk Bonuse Opening Cashback Bonus Balance $ 15.10 New Guhbock Bonus This Period + 0.00 Cashback Bonus Balance $ 15.10 ?CashbackBonas&AnnKwsa ------------------------------------------------------------------------- Month: August How Can We Help You? 1 Visit Discovercoan to pay your bbl for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-800-DISCOVER (347-2683) for fast, easy self-service 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 Deft odw/Miscellaneous Mar 23 Mar 23 OVERLIMIT FEE Mar 23 Mar 23 LATE FEE 39.00 39.00 Information for You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment ;was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchcses aincl ba&ince Transfers: Ho'we've'r', we reserv'e'tfre ?igAffioincreose tfie APRs on your'fCccourrlifyou Fail fo pay the'- - - minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. * * * 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. Important Information. If there is more then one.page to this bul«ig statement, we the back of each page for additional important irdonnetlon: 0 See your Cardmember Agreement You Cerdmember agreement contains all the terms of you Account. azi Lost or stolen cards. Report immediately! Cd 1300347-2683. o Billing Rights Summary. In Case of Enos or Questions About Your Bt W your think yore bill is wr , or if you need more information about a hnsae ion on yon bill, write us on a N a separate .strest.of paper at.Discriver, PO Box 30421, Salt Lake W UT 8413Q Wi. as soon as possible, We must hear him you no later than 60 days after we sent yeti the brat b91 N on which the am or problem appeared. You cart telephone us, butdoig so will not preserve your rights. In you letter, give us the following information: ? • Your name and Acoornt number • The dollar amount of to suspected ema • Describe the arror and explam, 9 you can, why you believe there is en error if you need more information, descrlae the 'item you are unsure about. You cb not have to pay any amount in question "we are ihveetigeting, but you are sail obligated to pay trio parts of your bill that are not in question. While we investigate you question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Purchases: t you have a problem wl h the quality of goads or srvfoes that you purchased with a credit card and you have tried in good falth to correct Are problem with the merchant, you may not have to pay the remaining anaunt dire on ft goods or services. You hawks protedim only when the purchase price. was more than SW and the pucMae was made in yowhome state or when 100 miles of yourM&Q address: (If we own or operate the merchant; or 9 we mailed you ths advertisement for the good, or servioers, all the Purchase are covered regerdess of to amount or location of the praise.) payments. Send only your psyrnent and the top portion of the statement in the envelop provided. Do not send cash. By sendag your check as described above, you aulhom us to use information on your theory b.make and dookorhin lurid transfer from you account at the tsmndd oisbaAion inflated on your chsoor to process the payrrherht as a.dw* transaction. If the peyrnent is processed as an electronic find transfer, to trenderwil be for the.amont of the chock. Wtren we use intormalon from yon ceci io malts an. electronic fund transfer funds may be vrithdravm from.your account as soon as the same day we receive.yos payment, and you will not receive your check bade kam. your financial. instiNrdon. - - - - Tpa pros"rkyof yorF paymeatawybhadele?-yvw send cash, coniespondence-a atherit ms-withVur-payment; d yousemdthe payment OwW oYNraddressa if youase an - - - envelope other than the one provided. Payments received in proper tam at er processirg facility by.SPM local fine on any day will be credited to yourAcco nt as of OW day. Payments received at our processing facility after 5PM local firm will be asdiled to your Account as of to neat day. 9 you have mimhlaced your envel ape, send your payment.b: . Discow , PO Box 6103, Card Steam, IL 611197-6103. Please E90w 7-10 clays for delvery. 9 your peymeM is retuned tnpakl, vie reserve the right to resubmit' ft as an electronic debt You can pay your minimum peoperd or a greater waft over the teephhone, and you can set up w1omatic payments. Cal us at 1.8003472683. You wit reed this statement and your be* account information. You must ensure that affoentfhinds are available le yo rbank accent, and all transactions must eamplywith U.S. law. You will Was ked topr Me the first 5 digits of you account stalerrendZIP code. By entering those ran bers as your electronic shgrsture, you wi be agreeing 1o.this out him bon to slow us and your beak to deduct each payment you atdwofrom your bank socount, and to Mate debit or credit entries to your bank acrbhurl, as app5mblo, b corm, mom inthe proof firth: Peynam. You must teti ua toe amount of each payrenl, or you can soled an amount such as Mi irnum Payment Due a the New Balance on each statement: You can caravel a payrsnt, however we must receive rhotoe at heat three business days in advance of the scheduled payment. You may notify us by plays at 1-800347-2663 or by mad at the address load in the pwAous paragraph. 9 your payments may very in amount .we will tell you on each monthly statement when your payment vml be made and how much it will be. You Aulanate,payment amount may be leas then the indicated on the monthly atatarrernt based on creft or payments apprsd during the billing cycle. Credit Reporting. We may report iM irinoWn ebout.your accourd to creditbureaus: late payments, missed payments; or char delia lluron your soooumt may berefleoled in yotii. credit repot We normally report the.atat s-and payment history d yourAccouht to credit raotng.agendes each motto gym believe that our tepoK'is ahacaxate or ncompteie, please write us at the following address: Discover, PO. Box 15316, Wtilmingion, DE 198506316. Plow indude you thins, address, tame telephone number andAarouM ru rdw. PERIODIC FINANCE CHASES. Periodic Fkstae Charges are, imposed on all transactions from the dste the. transadioth is posted to yoprAccoint urd the. date you pay your -ire. taw Bdm. by n wVpaymerds or reeeiveg cxedib Houavar, we will provide the fa9owvhg grace period if you.pmd Qte New Belau e.on your pervious bhlig statement by the Payment Due Dew shown on tint atatahrerhf and you pay the New Balance by.the Paymerht flue Date on this smtomar two wli not impose Padodc Finance c hargea.eh new purchases, that is, purchases first appearing on this statement.. Otherwise, you win receive a biltirig statement roW month that incuda Periodic Fnance.Charges on those new purchases. There is no grace period on balance transfers or cub advances, We sort your trarhssabom mlo groups of purchases, cash sibrances, and balance trathstars.and then further sod the transactions within each group by lhuhirAnraral Percentage Rals. For sun* purchases $ubject to a prariotiorsi rate and pudheses v*dto standard rate would be separate groups.-We refer to two groups as transaction categories. Attie. end of each billing period, we compute Periodic Finance Chehges.foreach day of the biag period for each gansadion ralegory. We use the blowing equation b aanpide. Periodic . for each transaction category. Average Daly Balance x number of days in the b *@ period x Dail Periodic Rate. (See tie inarhoe charge:summary on your Wisment for these -amountsa ThtxtvaeAkLw the Eedaflc Emance?)oerges lxeadhlrarhsadi m catego AgeLthe e Fthano _0wWs f9ryouur.AmOiW,Ihe. D* Balataa is shown as zero Q, because d tie grace period, no Periodic Finance Charge; apply to the balance in a bansection category. We use the Average Deily Balance (including new trarsaGiors) ffWAW of cdcu lft ft balm upon.which we bVm Periodic Anerice Charges. We compute thre:Average Daily Balance for each hansoct on.category by adding up as the daily balances in a bMV peal for a transaction category and dv*q go bW. by the number d days ih.theong vjcle. . We compute the daily balance for each trarsadon.cotegocy.on each day by fist adding the lit wing to the previous days daily balance, transactions made that day, feesdhauged that day and Periodic Finance Chagas accred on that day, No transaction is po sied to yo rAccount after ales closed to Wing period in which ft occurs; war with heat the transaction as having occurred on the first day of the billing period in which it is posted to your Account. All fees charged to your Account we added b the standard purchase transaction category with the exception of Cash Advance Transaction Fee.Firom Chugas which are added to ores Cat1 advance tr? the category and Balance Transfer Transaction Fee France Owges which are added to tthe appic" balance transfer transaction category! When to spacial raw expires. we move the unpaid balance of the balance transfer and to Balance Transfer Transaction Fee France Changes.io the standard purchase transedion category. Howevu, If to special raw has been temmtawd.urder to Defatdf Rate Plan, we lave the unpaid balanced the balance transfer. and. the Balance Transfer Transaction Fee Finance Charges in to applicable transaction category until the special raw would have expired.. For TDD (Telecommunications Device for the Deal) assistance, ca91-808347.7449: Discover may monitor "or record telephone calls betweenyou and Discover rspresentsWes for quahlysssuuance purposes The Discover* card is issued by Discover Bank, Member FDIC. may «, zvvo 23 SDSN6A02 0025659 MORRISON, SHARON L 243 MEALS OR CARLISLE PA 17015-3183 Address, email 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. Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $824.49. Go paperless and make your account information more secure with password- protected statements onty you can access. Learn more at discovercom/paperless. PO BOX 71084 111111118 111 till IIIIIIIII II CHARLOTTE NC 28272-1084 I?rlrll?rlrr?l?ilr?1lirl1lriillll111l1rlr1lrrlL?lrrl,rlrlrrll 000001986618254696102071244900000000070700 _....... .... Discover More Card Account Summary Closing Date: April 23, 2008 page 1 of 1 Account number ending in 2472 Previous Balance $6,913.23 Payment Due Date May 22, 2008 Payments And Credits 0.00 Minimum Payment Due $707.00 Purchases + 39.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finance Charges + 172.26 Cash Credit Available $0.00 New Balance $7,124.49 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 15.10 New Cashback Bonus This Period + 0.00 Redeemed This Period - 15.10 i ---•----------------- ---- Cashback.Bonus-Bglance---------- -- .---$------- 0.00--------- %.03hback Donu*w Anniversary Month: August Help You? 1. Visit Discovercom to pay your bill for no cost, view our 'How Can We He 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 last, 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 Other/Miscellaneous Apr 23 Apr 23 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 al ce des RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $913.98 0.07942% 28.99% F 28.99% $22.51 $0 Cash Advances $6082.24 0.07942% 28.99% F 28.99% $149.75 $0 Thw rrrtac that anniv to vour Account are either fixed IFI or they may vary M as noted above. Important Information. If there.is more than one page to fails bMng statement, see the back of each page for additional important inorrnatan.. See yot r.Cardmember Agreement Your Cerdmember agreementaontains all the terns of yowAooo unt. Lost or stolen:cards. Report irnmediatelyt Call 1.800347.2683. Bring Rots Summery. In Case of Errors or QuesWuAbout Your Bill: Ifyou tulle your big is wrong: or. 8you need more it f nuition 004 a.hansydion on your bill, voile us on.a sepexate sheet of paper at Discover, PO Bout 30421; Salt Lake Cityr, lilt 84130-0421, as soon possible. We must hear from you no l:teu Ilion 60.daya after we sent you the first bill on which the sror or problem appeared. You catt.telepfana us, but doing so we not preserve your rights. In your letter, give us to following etfamelliv • Your nerve and Account number • The dollar amount of the suspected error • Describe rte tutor and eutpbruirh, if you can, why you believe there wan error. If you need more information; describe the item you are unsure about You do not have to pay any amount in question while we are kwesugating, but you are still obligated to pay the parts of yvwr bill that are not in question. While we investigals your questori, we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Purchaser If YOU have a problem with the quality -of goods a services that you purchased with a credit card and you have tried in good fam'o corned the problem with the merdwt,.you may not have to pay the remaining amount due on the goods or services. You have this protection only wim to purchase pice.was more than $50 and the purchase was made in your home state or within 100 rules of your mailing addrm (If we an or operate Vie rmerdhant, or t we mailed you ft advertisement for the good or services, d the purchase are covered regardless of the. amount or location of ft. purchase.) Payments: Send only your- payment and the top portion of to statement in the envelop provided. Do not sent cash. By sanding yoirchedtas &k *W abm.:You attIlrgae to to use nformation on your died to.mahe'and etectrome fund transfer from your SOMA at &a fkharhdd matnution indicated on you dw& or to ptooess the payment at a dw& trarsadim, If the payment is processed as an electronic fixtt transfer, the bartster A be forahe.amaumt of the chKIL Wbm wuseWormefori km ym dad so make an. dehotronric fund transfer, bids may be withdrawn 5om.your account as soon as ft same day we receivo.your payment, and.you will not receive your dredt 4acitInom your firw4al institution. Tt>e P;ose6sirhg of year psyment4haybe deloyedit you mid casfh wrrespatdence-or othesi0mra widi-your-paymmht,41au saw the peygwWo anyoter address orfGyou use-an- - envelope other than the one provited. Payments received in proper form at our processing badly byW local lime on any day will be aradhled to yotrAoootmt as of M day. Payments received at our pocessing "a' after 5PMf local time will be credited to yotrAowim as of the next day, 9 you have misplaced ymr woolope, sand your payment to. hover, PO Box 6103, Card Stream, IL 197.6103. Please allow 7-10 days for delivery. If your peymentis returned unpaid, we reserve to mgt to rerr6t*A se-an electronic debit. You can pay your minimum payment or a greater amour over the lekpthorhe;.aarhd you can set up awlomaft payments. Callus at 1MO-347261tri. You ml need Itis atatonte al and your beak aoootmt irdonnation. You must ensure that sudfidmht funds are awl" in y+ourrbank account. and all transeclors mud oanplywgh V.S. taw. You will bessked lo provide ga first 5 dgtb of you account sfelememt ZIP code. By entering those numbers as yohr decaork signatur% you will be agreang to tuts autattmton.to slow us and yolr bank b deduct each payment you authorize fmmym,bm* account, and to inflate debit or credit entries to you ber* scootint: as appfioalk, to corned anror int;he procesai g ofa%O payment. You must tad us the amount of each payment, or you can seted an amount such as Minimum Payment Due or ft New Belem on each statement You can canoe! a paysrhent,. however we mast receive notice arfeestatree business days in advance of the scheduled payment You may ratify us by phone at 1-OOD-W-21h5Uorby mall at to address tanad in theiiarifprevious paVaph. If your. payments may very in amount we will N you on each rtanIldy.8latarthentwhen your payment will be made and taw much ft Will be, YourAu amount rtrey be fens then the khdlceled on the monthly statement based -on credits ar payments applied during Ilia bulling cycle: Credit Reporting. We may report information about your acmirit to credit bureaus. LA payments, missed payments, or other dentine an your aocourttmaybe:rateaaed in your credit report. We normally report the statue and payment history of you Account lo creft agmhdes each mciM, t you below that our report is insocurso of ineompiela, please write to at rue togowkg address: Discover, PO.Bax 153i.6,.WiMrnkglorh, DE 1 16. Please nudude yo r name, address, home.telephone niumber'and Account mrriber PERIODIC FWKE GAGES. Pe kxk Finance Charges are imposed on all Ud+sadions from t he datethe transaction is posted to yo rAegouint utl the "you payyiouren#re New Balemoe.DY!tmking PaYmeMsof receiving credits. Haxever, we will provide the fogoang'O period If you paid the New Balance on yglr parvloras biing statement byy the Payment Due Date shown on t atsturement, and you pay ft New Balance by the Payment Due Date colt stetement we wih riot impose Palo& Fmemce Cl?ges.on new purchases, that is, purchases first appearing on has statement. Ollawse, you A reoeim a biting statement next month tot Includes Periodic Frame Ctaarges on twee new, prdhases. There is no grace period on balance transfers or cash advances. We am yaw transactions ado groups of purchases, eash:advems, and belattoa transfers antd.tthen futtctsort the transattionswit hkh each group by #4Amsial Pencerhtage.Rate. For example purchases suu*d lo a promotional rate and purchases a tried io standardrafe.would be sepaparraplt, groups. We refer to t oser inn * ss kensection aalegode& Af the end of each Wiling period, we compute Periodic Finance Charges.for each day of the bi6g period for each transaction cele".. We use the ktoweng-equetion to conrhpde,Penoda for each transaction category. Average Daily Balance x number of days in the billing period x Daily Periodic Role. (See the hence charge Summary on your sta0eneat for these ornourts.)JhenweaddulltwPsriotfwFjruinceCharges. foreach Irsnsactiorh_ceWwYtozellthetu>talPariodloFrhxae.Chargesforyour-AceowLThis mtopDaiyBelem is --• sfhovm as zero if. because of tae grace period, no Periodic Finance Charges apply to the balance in a transaction cats". We use the Average Daly. Balance (i ndiudrg raw transactions) method . of calculating ft balance upon which We impose Periods Finmae Charges. llVe'COrhpule tthe:Averege Daly Balance for each transaction category by adding up all Be daly belemces, in a bftg period fur a h resection calegoryard dNWQ the lote(by to number of deys.tn.Yebifrg cycle. We wnpule to daily face for each transaction category on each day by first adding the following to the Weviaa lolls daily balance, trarsedlors made-that day, tees charged that day and Periodic Finam Charges accrued on trot day. If a transecbac is posted to your Account after the ciose.of the buWing period in wtkh d occurs, we will hem the kvisecton . as having occurred on the first day of to bilinil period in which t is posted to you AowAL All fees charged to you Account are added to the standard purdhesetransaction categoywitithe exception of Cash Advanoa Trdaeutim Fee.Finam CthaiOn which are added to to applicable cash advance transaction category and Belem Transiar Transaction Fee Finance.Chargas' which are added lo:fhe applicable balance Water transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Frham Charges.tQ the standard pirdese transaction calegotyt However, it the special rate has been terminated under the Be" Rate Plan, via lave the unpaid belance.of ft balamce transfer and the Balance Transfer Transaction Fee France Charges in the wheabla transaction category until. The special rate Woo have expired., For TDO (Telecommunications Device for the Dean assistance, cal 1400-347-7449. Discover nhey m arch w dlorreoord lobephone t between.you and D w-er represah46es.for quaily ess -im purposes The Discover' cord's issued by Discover Bm*, Member FDIC. 23 SDSN6A02 0025660 MORRISON, SHARON L 243 MEALS AR CARLISLE PA 17015-3183 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. 000001986618254696102071328500000000069200 Discover More Card Account Summary Closing Date: May 23, 2008 page 1 of 1 'Account number ending in 2472 Previous Balance $7,124.49 Payment Due Date June 22, 2008 Payments And Credits - 208.00 Minimum Payment Due $692.00 Purchases + 39.00 Credit limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $4,725.00 Finarres Cl:argss t 177.36 Cash Credit Available $0.00 New Balance $7,132.85 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonu5e Opening Cashback Bonus Balance $ 0.00 New Cashbaclc Bonus This Period + 0.00 Cashbadc Bonus Balance $ 0.00 -,tashbock-Bonos®Anntvers ---------- ------------------------------------------------------------- Month: August 'How Can We Help You? p 1. Visit Discover.eon? to pay your bill for no cost, view your latest Accountinformation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, ectsy sel?se vice {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 t)iscover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 22 May 22 PHONE PAYMENT - THANK YOU $ -208.00 ;Other/Miscellaneous May 23 May 23 LATE FEE 39.00 Information For You ';* * * ATTENTION * * * Your account is seriously post due. Payment of the amount due and arrangements for future 'payments should be made immediately. ' -- ----- - ---- ---------------------------------- finance - ----- ----------- - - ---------- ,Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES C HAMS CHARGES :current billing period: 30 days Purchases $962.36 0.08216% 29.99% F 29.99% $23.71 $0 Cash Advances $6233.79 0,082169/a 29.99% F 29.99% $153.65 $0 June 22, 2008 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $832.85. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover-comfpaperiess. PO BOX 71084 IIIrnllnurlr)rrllulrlrl CHARLOTTE NC 28272-1084 IuIrIlulrerlr?lullnl? Inrllllriiliilrilnlliiliilulilrrll Tr.s rM-. &m1 m..r,h, f., .i , A-" # mra Hirt[., A-4 IM M ft--- r+ v -- M - .,J- A mk- Important Information. If there is more than one page to this toiling statement, sae the bade of each page for additional imporlaM information.. v See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. z Lost or stolen cards. Report inrnedrotely! Call 1347.2683. o Billing Rights Summary. In Casa of Errors or Questions About Your Big: If you Oft your big is wrong, or 9 you need more information about a transaction on your bill, write to us on a ' o separate sheet of paper at Discover. PO Bet 30421, San Lake City, UT 84 1"21, as soon as possible. We must hear from you no later than 60 days after we sort you the fast bit on to which the error or problem appeared. You can telephone us, but doing so wit not preserve you rights. In your letter, give us the following information: • Your name andAccoW ritimber. $' • The dollar amount of the suspected error x • Describe the error and explain, i you can, why you believe there is an env. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question white we are investigating, but you are still obligated .lo pay the parts of you bill that are not in question. While we investigate your question. we cannot report you as delinquent or take any action b collect fie arricimt you question. Special Rule for Credit Card Purchases: If you have a problem with the quelly of goods or services tot you purchased with a credit card, and you have tried in good faith to correct the problem with the merchaH, you may not have to pay to remaining amount the on the goods or services. You have this protection only when the purchase price was more than $50 and the purdiase was merle in you home state or within 100 miles of your maiirhg address. (If we on or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of p urchase.) Payments. Send only your paMwA and the by portion of this statement in the envelope provided. Do not sand cash. By sending your check as described above, you arhorze us to ' use informalim on your check to make an elemnic fund transfer from your account st the financial institution indicated on your dhedr or to process the payment as a check transaction. If payrrrad b processed as an deckonio fund transfer the transfer wall be for the amount on the check When muse information from your check to make an electranic fund transfer, hinds maybe withdrawn from your acm nt as soon as the same.daywe receive your paymerit, and you will not room your check back from your financial kftYubn. The processing at your paymard may be delayed 4 you send cash, correspondence or other damns with yow payment, d you sand the peymerA to any other address or t you use an enivelopa other than dhe one provided. Paymerds received in proper form atom processing facility by 5Pkf local time on any day will be credited to ymAceoat as of that day. Payments d et ow essin Tit a#er 3P1G 1xaE A p at? e it s? he pAcc of J llb 3 fO unl a t da lf d o e o i I a i e m i F U66i n l d - it Bo g y N,e proo rn e a i yor s ? r oe nex y. y o i e y ur e ope, s t + e ve yt D tt y t renF »rer: PO x: 6103, Card Stream, 11-60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it t; an ekrtrone debt. You ran pay your mininxrm paymerd or a greeter amorrmt suer the felept>one, and you can set up etttome9c payments. Cad us at 1400347-2683. You wig need this statement and you'! bank eocapM kdorrnabori. You mast ensue that sutfidenl hinds ate available to your bank ecdzunt and all transactions mt* comply with U.S. law. You will be asked to provide the fist, 5 digNS of you accerxt statemen[ zqr code. By errtererg those nvnbers as yntr electrarrc signaRere. you will be agreefrrg to onv audrorizaton to allow us and your bomb to viaduct each payment you authorize tom yohr belt accent, and b initiate defat or aedt entries fro ykwr tpank accountt, as applicable; to *=act an error in the processing of such payment You must beg us the arrhartl of each peymeril, a y>xr corn soled an trrrrotrht such as the.Mnimun Payment Due or the New Sabnca on each stabment You can cancel a payment, however we ; rrrRt receive notice at least 9ree business days n advance of the sehedubd payment You nsy notify us by phone at 1.800347-2683 or by mail at the address fated in the previous paragraph. It your payrrreats may vary» amours; we wig beg y«t on each nhontily statement when your payment wig be made and how much i wild be. YourAutomatic payment amount may be less than ii dcaied on the monody satemet based dui aedts a phgnnernb eppred during ore billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaUts on your account may be releded it your credit report. We normally report the at" and payment history of yo rAcco nt b oath reporting agencies each mach. If you believe that our report is inaccurate or incomplete; please wring . us at the fotlowmhg address: Discover, PO Box 016. Whiingion. DE 198WM16. Fleasok4ide yoke name, address, hare. telephone rimberendAwountnumlia PERIODIC FINANCE CHARGES. Periodic Fiance Charges are imposed on all transactions from the date tie transaction is pasted to yourAcooknt until the data you payyrou.entire New Balance, by in aft payments or receiving credits. However, if you paid the New Balance on your previous biting statement by the Payment Due Data ahowaon tlhatatetstrteit, ejd you pay the Now Balance by the Paymerht Due Date on your oirrerd billing statement, we wig not impose Periodic Finance Charges on new, purchases. that * pircitem frai appearing on the current stetanaht. We call this the grace period. Otherwise, you will receive a billing statement next month 9rat includes Periodic Finance Charges an those new purchases. There is no grace period on baance translate or cash advances. We soft yotr h>msations into groups of purchases, cash advances, and balance transfers and then further sat 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 world be separate groups. We refer to these groups as transaction categories. At the.end of, each biding period, we cctnptte balances and Periodic Finance Charges for each day of the biting period for each tiansadion categoryr. We use the following equation to compute I Periodic Finance Chagas for each trenseotiai category: Average Daily Balance x number of days in On billing period x Daily Periodic Rate. (Yet may refer to the finance charge summery on you billing statement for these amounts.) Than we add up the Periodic Finance Charges for each transaction category to get the total Pbiodlo Fsiaxa urges for your Account. The Average Daily Balance is shown as zero if, because of the grace period. no Periodic France Charges apply to the balance in a transaction category. _ ?Ya:aettw.A•?.rage.DwlgHalar?(itdudiagu?lran;;:p;;Louts).me0tcd.ofcalutlatingtlmlpalariceuponwhidtsteimpnse Per:ekln.FinanceCharga.ylle_canpute.tieAv?eDairi - '- Balance for each tuarsectio n category by adding up all the daily balances in a billing period for a transaction category and dividing the loW by the number of days in.the bitFnng cycle. We compute the daily balance for each transaction category on each day by first adding the fgkwM to the previous days drily balance: tresaatioris made that day, fees changed that day and Periodic Friona Chagas accrued on to provisos days daily balance: and by then subtracting any credits and payments fret are appled against the balance of that transaction category an that day. In calculating the daily balance for the fast day of the biting period, we consider the'previeus days bafa nce'to have been your balance for each.fraswho n category on the lest day of your previous MTfng period. 9 a transaction is posted to your Account after the dose of the billing period in which g occurs, we will treat the transaction as hav- ing occurred on to first day of the biting period in which it is posted to your Account. At fees diargtd I :yourAccouni are added to the standard purchase transaction dory with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash ad dance bansadion category and Balance Transfer Transaction Fee Finances Charges which are added to the a licable baba cat transfer tfa diarcat Wh n s pp n a egory! e a special balance transfer rate mom, we move the unpaid balance of the balance transfer and ft.Bafence True Transaction Fee Finance Charges to 9ne standard purchase transaction category. However, if the special rate has been terminated eider the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the appfio" transaction category u r d the special fate would have expired. For TOD (Telecommunications Device for the Dent) assistance, please call 1800.347.7449. Discover may monitor ardor record telephone cads between you and Discover representatives for quality assurance purposes. The Discover' card is issued byDiscowi Darin, Member FD)C. 23 SDSN6A02 0025661 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 July 22, 2008 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. Please make check payable to Discover Card. You are overlim it. Pay the sum of the monthly minimum payment plus the overlimit amount of $893.06. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Ill,,,llnull,ll,llnl,l,l CHARLOTTE NC 28272-1084 lullllrllrulrllurlnlrlrnllllullnlulrlllulnlnlllull 000001986618254696102071930600000000079800 Discover More Card Account Summary Closing Date: June 23, 2008 page 1 of 1 Account number ending in 2472 Previous Balance $7,132.85 Payment Due Date July 22, 2008 Payments And Credits 0.00 Minimum Payment Due $798.00 Purchases + 0.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,725.00 Finalise Charges + 60.21 Cash Credit Available $0.00 New Balance = $7,193.06 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback 6onuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 --CashbackBonw&Anniversary ------------------------------------------------------------------------------------- ' Month: August ;How Can We Help You? 1. Visit Discovercom 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 1-8006DISCOVER {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. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment Was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to 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 section of the Cardmember Agreement for details. 'ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for Future payments should be made immediately. 1Finance 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 $822.71 0.02712% 9.90% F 9.90% $6.92 $0 Cash Advances $6339.24 0.02712% 9.9001 F 9.90% $53.29 $0 T6.. rn+ne +I.nt nnnly In vnl Ir Arrminl nm ailhar Rvart IR nr fh.v mnv vnr (VI m rx fnrt n6^va Important Information. K there is more Than am page to this billing statemeK seethe back of each page for additional important information:. See your Cardmember Agreement Your Cardmember Agreementconteais all the tens of y=Account Lost or stolen cards. Report Immediately Cal t-800347-2663: Billing RWA Summary. In Cese:of Errors or QueslionsAbout Your ft ayoU thedc your bill is wrong, or if you need more information about a harusction ogyour bill, write to us on a. separate street of paper at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear from .you no W than 60 days. after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your. letter, give us thefol oxmp infonw lion: • Your name and Account number. • The dolor amount of the suspected am • Describe the error and exphmn, If you can, why you believe there is an error,. If you need more information, describe the item you ere unsure about. You do not have to pay any enwu t in question while we are investigating, but you are ad obligated to pay Me parts of your bill get are not in question: White we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with The qua* of.goods.or-services that you purchased with a credit card, and you have tied in good faiet to correct the problem with the, merchant, you may not have to pay fire remeahbg amount due on the goods or. services. You have this protection ordywhen fhe purchase pries was more than $W and the pwdrese was made in your home state or within 100 miles of your mating address. (If we own or operate (he merchant or'f we mailed you the advertisement for the goods or, services, al putdiam are covered regardless of the amount or Woo of purchase.) Payments. Send only your Payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authaim a to:: use information ort your.ched to.make an eleclroub fund transfer from your aceaau at to financial institution indicated on your dieok or to process the payment as a dredc bansa don. If pagment is processed as an electronic Gaud Vander, the trensferveil be for the amount an the dredt. Vfi eth we use Di>trxmadon from your dw& to mates an.electionic fund transfer, funds. may be wit drawn from your account as soon as the some day we rem'" your'pay rent and you-,will rot receive .you r check back from your fatarrciel_ institution. The processing of your paymem may be delayed iryou send cash, correspondence or other items wflt your payment, f you send the payment to any other address or. f you.trse an envelope other then the erne pranced P is received in proper form at our accessing facility by 5PL1 tidal time on, q.§! credited to your Account as of that day. Payments WA Wait otir pioou:searg tea TAyi W i fgqcC"aa1 Imo will5e ffidWto j our Acc 41 ii 6f BielhiA W. ff q&tlieve -•- - - your erivelo?"e-said ycwrcpeyirieitlo 0R606eh; B(k 6103, Carol Stream.. L 60197-6103. Please allow 7-10 days for delimy. I your payment is.retmmed tnpafd; we reserve the right to resubnd it as an electronic debt You ash pay your minimum payment or a greeteramotad aver the lelephorie and you tan set uP aumaimatio payments. Call us at 1-B00347 2683: You will creed this atateinera'end your bank account uhforhmation. You marsh estre.tmt sud6derrt funds are availebie fn yarbetdc nooourht and all frarsadats-Must conhpty wilt U.S. law. You will be asked to provide the first 5 dig of yotraoooud statement zro code. By entering those rdrrrrbers. es you deaonic sigrhaWre, you will be agreeing to this atdMmization b slow is and you'bankto dadudeachi. payment you andwr¢a from yam bank acoouad and 6o initiole debit err coedit erhtnes W your bank account as applicable; b MMCt an error in the pmcebsahg of.suoh payment You must tai us the armonrht of each payment a you ceh select an smart such es the Minirrarm Peyrnemt Due or theNew Balance on each statement. You can WOW a psyment, however we must receive notice at fees! tree busnass rays n ad+amnoe of the sclheduled payment You may notify us by phone at i-600.347 2683 or.by,mal attire address 6sted.in the previous par?reph: t your payments may vary n errount we vall bhil you on eadi monthly statanrrerhf when yam paymerd Who made and how much ft will be. YourAufomatic payment amount maybe tae tfxhn irrcfhcated ort tlhemarrthfy.stolernerf basedanaedtsorpayrrerttsappfadduring theb9M cycle.. Credit Reporting. We may report Information about your account to credit bureaus, Lab payments, mmMo payments, or otter defaults an your account may be reflected in your credit report We normally report the sMM and payment history of yourAmotnt to credit reporting agencies each mordh, If you believe trakoor report is inecaeats or incomplete, please write us at the following address: Discover, PO Box 15316. Wilmhrgk n, DE 198505316. Please include your name; address; home Wephone nurrhbet.andAccount number.. PERIMC FINAi4CE CHARGES. Periodic Finance Charges are unposed on all transactions tom the date the transaction is posted to yourA.ocamt will he date you pay your entire New Bob-, by mskug payments or reoefving creft. However, if you paid the New Balance on your previous billing xWement by the. Payment Due Data shown on that statement, and you paythe yew Balance by the Paysaent'Due Date on your current fxAitg statement, we will rat impose Periodic Furanae Charges on new purchases, that is. purchases lust appearing on to current statement We cal this ft grace period. Otherwise, you will receive a piling statement next month that includes Periock Finance Charges on. Lase sew purchases. There is no grace period on balance trar>sfers or cash advances. We sort your transactions into groups of pur d arses. cash advances, and balance transfers and then further soft the tiansadars within each group by their Annual Percentage Rafe. For example. purchases subject to a promotional rate and purchases subjed to a standard rab.wordd be.seperste groups. We refer to two Woups as transaction ca"Mm. At t he.end of each Ira4,g period, war riompule balances and Periodic Finece Chagas br sad, day of the b?ehg parried nor ead? trar?dion cxbfpryj. wesae tt6 iotawing equstiarto compub. PerialicFuxrnce t'grarges foreadr inansaciorr category. Average DalyBelancex number ofdaya in ifeelx'tr+g parodxDailyParie?c Rale.,(Yarmeyre(erto tre:insrree charge sumxroery on your.bifirhg statement fortiese amanita.) Thant we add up the Periodic Fkhanoe C?hauges for each uarsacdont category to get the;totat Padodhc Farerrce.Charges to your Acoaamt The Avv:rege Daily Betetuce s shown es zero's, beceuse.nttoe grace period, no Periodic Firierce apply b the belence ih a trarosedan ralsgory. -We use theAverage D*Baleuce pndudirhg new.trersacbonsy meted ofcaiaietetg tre-hatenca t ponvdreh we Per o&Finwn Cfarges_We =npAo is AverapDeiy - Balance for each transaction category by adding up all Una defy balances 0 a bailing period fora Mensaction categoryand dividing the brat by the number of days n the bring cycle. We compute the daily balance for each transaction category on each day by to adding to following to the previous.dayla daffy balance: qa made that day, tea.dmrged tent day and Periodic Finance Charges accrued on the previous days daily batanoe; and by than subtracting any credits and payments tlhitare applied against the balance of the transaction category on than day. In calculating the daffy balance for the first day of the billing period. we consider the 'previous day's batwW to have been.your balance for each transaction category on the feet day of your previous billing period. If a transaction is posted to your Account after the dose of the: billing period in which d occ rs, we will treat the transaction as hav- ing occurred on tie fast day of the billing period in which it is pasted to your Account. AD fees charged to you Avant are added b the standard pirdl ass ransactbn eatagoy with the exception of Cash Advance Transaction Fee Finance Charges which madded to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transact m'a tegory. When a special balance trawler rate expires, we move the unpaid balance of the balance transfer and the valance Trarsl rTransaction Fee Finartoe fYrergee to rte atetdard purchase Wnsacbon category. However, fire special role has been terminated under the Oefahdl Rafe Plan, we leave the unpaid balance of Qie.batanoe transfer and the Batarmce Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDO (Telecomununications Device for the Dean assistance, please cat 1$00347-7449: Discover may monitor ardor record telephone cabs between you and Discover representatives for quality assurance purposes. The Discover" cad is issued.by. Discover Bank, Member FDIC. August Z1, ZUUO please mate check poyaVe'o Oiseover Cara. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount Of $844 23 SDSN6A02 0025662 .98. MORRISON, SHARON L Go ess and make your t Information more secure vwth password- 243 MEALS AR protected statements only you can access. CARLISLE PA 17015-3183 Learn more at disc:over.com±paperless. PO BOX 71084 ???nrllunu?r?u?,er?r?r? CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lulrl?u?ru?r??ur?u?r)nr??)?ur?u?u?n??u?u?n?r?nl? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198661825469610207144980000000007980(1 'Discover More Card Account Summary Closing Date: July 23, 2008 Account number ending in 2472 Payment Due Date August 22, 2008 Minimum Payment Due $798.00 Credit Limit $4,300.00 'Credit Available $0.00 Cash Credit Limit $4,725.00 ,Cash Credit Available $0.00 Previous Balance Payments And Credits Purchases page 1 of 2 $7,193.06 106.00 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Flinarrae Charges + 57.92 New Balance _ $7,144.98 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 C.oshback Bonus Balance $ 0.00 Sonus&Annhwsary ------------------------------------------------------------------------- Month: August How Can We Help You? 1. Visit Discover ern to pay your bM for no cost, view your P West Account Information, earn and redeem rewards and more ltrs your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fad, easy self service options or to speak with at 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 8.4130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date oats ?ayrneats and Credits Jun 25 Jun 25 PHONE PAYMENT - THANK YOU $ .106.00 ,Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was fate, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rata on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the -minimum payment due by the paymanf-due date- See the tie-fcu1F Rats Plain section o? tF-ie'+?urdmember Agreement fiot - details. * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements For future payments should be made immediately. ---.. -- -- - - - - ?.....- --- . _. important !nfornuation. If then: is more than one page to this billing statement, seethe back of each page for additional important infounatfon. o See your Cardtmember Agreement. You Cerdmember Agreement contains all the terms of your Account. rn Lost or stolen cards. Report irnmediately! Cal 1.800.347.2683. c Billing RV* Summary. In Case of Errors or Questions About Your Bill. If you tarok your tug is wrong, or 4you need more infomtatiorr about a lrenseotioa on your bill, write to us on a c separate sheet of paper at Discover, PO Box 30421, Sah Lake City, UT 84130-042 1. as soon as passible. We must hear from you no later than 60 days after we sent you the krst big on rv which the error or problem appeared. You can telephone us, but doig so wall not preserve your rights. In your letter, give us the following iniorme6on: rn • Your name and Account number. N • The doter arneurd of the suspected error m • Describe fie error and explain, if you can, why you believe there is an error- If you need more information, describe the item you are unsure abaft: ). You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your big that are not in question. Whale we investigate your question. we carnal report you as delinquent or lake any action to collect the amount you question. 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 have tried in good faith to correct the protdem wd h the merchant. you may. rat have to pay the remaining amount one on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of you mailing address. (t we own or operate the merchant, or'dwe mailed you the advertisement for the goods or services. all purcheses are covered regardim of ft amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash By sending your chec . as described above, you authorize us to use information on your chedt to make an elearomc Mid transfer from your account at the financial I tuition indicated on your ctedt or to process the payment as a ctheclr transaction. If payment is processed as an electronic fund transfer, the transfer wig be for the amount on the check. When we use information from your check to make an BtettrarC fund trarrsfer, funds may be withdrawn horn your amok as soon as the seine day we receive your payment, and you will not receive you check back think your linaricial institution. The processing of your payment may be delayed 'd you send cal, correspondence or otter items with your payment, if you send the payment to any other address or I you use an erhvelape oilier then the one provided. Payments received in proper form of our processing reality by 5Pfw4lral time on err day will be credited fo Your Account as t>f tmtdu y. Payments reoemve3 at as prole ss`arg Oily after valoot ufil weir be aediied o yowAccowi! as bit nazi day wyl ou have misplaced yo your ew,, se ywo-urWriert to Dii; o ir: PO Box' 6103, Carol Stream. IL 80197.6103. Please atlow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your miramun payment or a greater amount over the telephone, and you can set up attonmatic payments. Call us at 1800.341-2683. You wig need this statement and your bm* account information. You must ensure that suffiaent furls are available in your bank amount, and all transactions mist comply with U.S. law. You will be asked to provide the first 5 digits of your accent statement zip code. By entering those numbers as your electronic sigrreture, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to hrvtiale debut or credit entries to your bank aaeurs, as appliccable 'to oomeci art error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as the Mfnhmum Payment Due or the New Balance on each staiernerd. You can corod a psyrnenL however we rnusf receive notice at least twee business days in advance of the scheduled pays nenl You may notty us by phase at 1.800.347.2683 or by mail at the address listed in ft previous paragraph. If you payments may vary in amount we wil tell you on each monthly statement when your payment wolf be made and taw much ft wig be. YourAutomatic payment amount may be less than rdicated on the monthly shlement based an credits or payments applied during ore tilling cycle. Credit Reporting. We may repot information about your account to credit tiureeus. Late payments, missed payments, or other defaul s on you account may be reflected in your credit repot We normally repot the status and payment history of yourAwoune to as& reporting agencies each month. ifyou believe brat oerreport is inaccurate or incarhplafe, please wmle us at due following address: Discover, PO Box 15316. Wilmington, DE 19850-5316. Please include your name. address, tame. telephone number.and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Changes are imposed on all transactions from the date the transaction is pooled to yourAocourt until the date you pay yaw entire Now Balance, by mBkilg payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Data shornm on that statement, and you pay the New Odom by the Payment Due Date on you current bilging statement, we will not impose Periodic France OAerges on new purchases, that is, purchases first appearing on the current statement. We cs# this the grace period. Otherwise, you will receive a bulling statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance Misters or cash advances. We sat your Iransedmrs into groups of purchases, cash advances. and balance translars and than further sort ore fransactons niter each group by t+eirAnnuat Percentage Rate. For example. purchases su *d to a promotional rate snd purchases subject to a standard rate would be separate groups. We refer ID these groups as transaction categories. At the end of 7glin . weChagas r g statehe Average Defy Balance is ahowm ? zero if, herniae t><the grace period, no Periods France t?harges apply fo the batarce in a transattfon category. ?E ueSicLewge-Daily Balance.(ix 4newtrrnsa licrs}m?C?xictr::tatatmytheba'anceLporvdichWe.iatp Pffflk tEJnaMCbM9MWecompule.IheAvaage.Dai!;•- Balance for each transacki m category by adding up all the daily balances in a billing period for a transaction category and dividing the Wal by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by lust adding the Mowig to the previous day's dally balance: transagions made that day, fees charged that day and Periodic Finance Charges accrued on the previous days daily balance; and by than subtracting any credits and payments that are applied against the balance of the transaction category on that day In calpdatng the duly balance for the first day of the wing period, we consider tieprevious day's belenee'to have been your balance for each transaction category on the lass day of your prewious billing period. If a transaction is posted to your Amount after the dose of the bang period .in which it occurs, we will treat the transaction as hav- ing occurred on the fast day of the billing period in which t is posted to you Account. Al fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. When a special balance transfer rate expires, we move the unpaid balance of the balance. transfer and the Balance Transfer Transaction Fee Finance Charges to ore standard purchase transaction category. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TOD (Telecommunications Device for the Deaf) assistance, please call 1-80D-347-7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover" cad is issued by Discover Bank, Member FDIC. 23 SDSWA02 0025663 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 uat+.n???vnn .c ?, .cvvo Please make cheek aayaVe to Discover care. You are overlimit. Pay tte sum of the monthly minimum poymenl' Plus the overlimit amount OF $940.44. Go paperless and make your aoaaunt information more sacure vnth password- protected statements only you can access. Leam more. at discover.cornlpaj*rless. 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 111 111111111111111111 1111HlIIlrl CHARLOTTE NC 28272-1084 I??Irll??lnn,I?Il??rl?rl?lr??ll[I?r?l??l„I??II??[r?l??l?l??I! 000001986618254696102072404400106000090400 Discover More Card Account Summary Closing Date: August 23, 2008 page 1 of 2 Account number ending in 2472 Previous Balance $7,144.98 Payment Due Date September 22, 2008 Payments And Credits 0.00 Minimum Payment Due $904.00 Purchases + 35.00 :Credit limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 ;Cash Credit Limit $4,725.00 Finance Chores + 60.46 ;Cash Credit Available $0.00 New Balance 7,240.44 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashbook Bonus This Period + 0.Ob -,`CashFrackBonostm-Amtiverscjty- - - - - - Month: August Cashbook Bonus Balance 0.00 'How Can We Help You? 1. Visit Discover com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more iltrs your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy We 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 Sub Lake City, UT 84130 ;Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post 0010 Dote Payments and Credits Jul 25 Jul 25 PAYMENT - THANK YOU $ .106,00 Aug 7 Jul 25 PAYMENT ADJUSTMENT 106.00 ;C>rlter/Miscollansous Aug 7 Aug 7 RETURNED CHECK CHARGE 35.00 ;Information For You ;While we are permitted under the Cordmember Agreement to increase the APRs on your Account because your payment ;was late we have chgsen rto2 io X14 io 9L i0m. _1Ke f "Jormlgated, hov?AveC, &W Jntcatlud ory -oraromotFoaal -cote an- - - - - - - - purchoses and any spacial balance transfer rate, and applied the standard APR for purchases to your outstanding balance of 'purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the ;minimum payment due by the payment due date. See the Default Rote Plan section of the Cordmember Agreement for 'details. '***ATTENTION*** Your account is seriously past due. Payment of the amount due and arrangements for future 'payments should be made immediately. Important Information. If there is more than one page to this billing statement, seethe beck of each page for additional important information. o See your Cardmember Agreement Your Cardmember Agreement contains all the term of you Account. ce m lost or stolen cards. Report immediately! Ca81.800.347-2683. a Billing Rights Summary. In Case of Errors or Questions About You Bit: If you think your bill is wrong, or it you need more infomation about a transaction on your bill, write to us on a ru separate sheet of paper at discover, PO Box 30421, Sak Lake City, UT 84136.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first big on g whkh the error or problem appeared. You can telephone us, but doing so will rat preserve your this. In your Ietter, give us the IdI wing information: rn • Your name and Account number. • The dollar amount of the suspected error m • Oescnbe ire emorand explain, if you can, why you believe there is an ester. Hyou need more information, describe the item you are unsure about. X-4 You do not have to pay any amount in question wide we are investigating but you are shill obligated to pay the parts of your big that are not in question, Me we investigate your question, we cannot repot you as delinquent or lake any action to coflect the amount you question. 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 have tried in good faith to correct The problem with the merchant, you may not have to pay Ana remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state orwithin 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the adverfisemant for the goods or services, all purchases are covered regardess of the amount or location of puchase.) Payments. Sand only your payment and the top portion of this statement in the envelope provided. Do not said cash. By sending your check as described above, you suttiofze us to use i formaton on you check to make an electronic fund trausfer from your account at the financial insbkutat indicated on your check or o process the payment as a dtedr transaction. If payment is processed as an electronic fund Cansfer, the transfer will be for the amount on the cheek. When we use information from your check to make an eLMonic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you veal not receive your check back from your fmanaef InSlibbon. The processing of your payment may be decayed kyou send cash, correspondence or other items with yow payment. K you send the payment to any other address or if you use an envelope other than the one provided. Paynnernts received in proper format our pruceseuxy facility by 5PM local time on any day will be credited to yon Account as of that day. Payrtler?s eiwefope, ser>d yntirpeyroenl to Disoove` POl3ox received at our processing 7adiitj a16er3A1f tta -66) -0 -0 if be creel dad 50-Y nurAocoikrtt as of Ale next dayy.l i y&i have msrtfai?d your 6103, Carol Stream, IL 66197-6103. Please allow 7-10 days for dalfverym H your payment is retuned unpaid, we reserve the right to resubmit it as an electronic debit, You can pay you minimum payment or a greater amount over the Ielephone, and you can ref up automatic payments. Call us at t-80D-347-2583. You win need this statement and pout bank accord information. You must ensure fiat wffiiaerv kinds are available in your bards aCCerrnt, and all transadliorns must comply with U.S. law. You will be asked to provide the first 5 dgis of your account statement rip code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bark to deduct each parrienl you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable, to owed an error in it* processing of such payment You must tell us the amount of each payment, or you can select an amount such as the.ldinirnurri PayrnentOue or the New Balance on each statement. You can carrel a paymea however we must receive notice at least three business days in a6ance of the scheduled payment Yiw may ratify us by phone at f-800.347-2683 or by mail at the address listed in 8re previous paragraph. If you payments may vary in amount, we will Iell you on each monthly statement when your payment will be made and tow much it will be. YourAulomatic payment anoun( may be lass than indicated on Are monthly statement based on credits or payments appiad during fie billing cycle. Credit Reporting. We may report irdwriation about your account to aedt btreaas. Late payments, mined payanenls, or other defaft on yaw account may be reflected in report . We normally report the status and payment history of yourAc oust to credit reporting regencies each mor& Ifyou believe that our Y??d. us at the following address: Discover. PO Box 15316, tlYkiragiort, DE 191150-5316: Plesse induce r or mberliefe, please write your name, address, harts telephone number and Account number. PERt001C FINANCE CHARGES. Penodc Finance Charges are imposed on all transactions from the dale the transaction is posted loyourAcooW until the date you pay your entire New Balance, by maiming payments or receiving craft. However, 4 you paid tits New Balance on your previous biting steternent by the Payment Due Date shown on that statement, acid you pay the New Balance by the Payment Due Date an your current billing statement, we will not impose periodic Finence Charges on new purchases, that is, purchaw fist appearing on the curent statement. We cell this the grace period. Otherwise, you wnl receive a billing statement next month that includes Paiodmc Finance Charges on those new puchases. Theme is no grace period on balance transfers or cash advanm iI We sat you transedions into groups of pucresm, cash advances. and balance transfers and then bather sort lie transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases slued to a standard rate would be separate groups. We refer to these groups as transaction categories. At fife end of. each baling period, we compute bdmm and Periodic Finance Charges for each day of the b&V parfod for each transaction category. Welrse the following equation to compute Periodic Finance Charges for each transaction category: Average Perry Balance x number of days in the billing period x Daily Period's Rate. (You may refer to the finance charge summary on your being statement for these amounts.) Then we add up the Periodic Finance Charges for each hinsadtam category to get the fatal Periodic Finance Charges for you Account. The Average Daily Balance is shown at zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. ,':?? 'Le +.?.rP.yte.Uady.?.:'ark:n:tsucudimr?m5vla^stL:m:,;r.?eturycr:r::.?c:,cg.the.bar:alre-okG?n.wbkiu?i7`,pasePtrgrt?cFinence.Charges-?(s-wntfxtfeBteAvengeDaaK-? Balance Ior each transaction category by adding mgt all the daily balances in a telling period for a transaction category and dividing the total by the number of days in the billing cycle. W4 compute the daily balance for each trarsaciioh category en each day by first adding the osubtracting Boxgeno the previous day's daily balance: transactions trade that day, fees charged that day and Panodic finance Charges accruad on the previous day's daily babrae: and byfien anycradits and paymwtts that are appled against the balance of the transaction category on that day. In calculating she daily balance for the fast day of the biting period, we consider ttre'previous days balance to have been your balance for each transaction category on toe lest day of you previous billing period. 9 a transaction is posted to you Account after the dose of the billing period in which it occurs. we will treat the transaction as hav- rg occurred on fie first day of the billing period in which it is posted to your Account. AN fees charged to your Account are added to the standard puclrese transaction category with the exception of Cash Advance Transaction fee Fiiace Charges which are added to the applicable cash advance transaction category and Behnke Transfer Transaction Fee Firrarces Charges which are added to the applicable balance transfer Innnsacbon category . When a special balance transfer rate a)#". are move the unpaid balance of rte balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase baroaown category. However, if the special rate has been lerntinaled under the Default Rate Plain, we leave the unpaid balance of the balance transfer and the Balance Transfer Trari- adion Fee Finance Charges in the applicable transaction category until the special rate would have expired. For MD (Telecommunications Device for the Deaf) assistance, please call 1.800.347-7449. Discover may monitor andlor record telephone cats between yow.ard Discover representatives for quality assurance purposes. The Discover' card is issued by Discover Back, Member FDIC. 23 SDSN6A02 0025664 MORRISON, SHARON L 243 MEALS AR CARLISLE PA 17015-3183 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. October 22, 2008 CHARLOTTE NC 28272-1084 I„I111??I11?111[,1?i??1,1?1?1111??11?r1??l??ll??1111??1?11?11 Please make check payable to Discover Card. You ore overlimit. Fay the sum of the monthly minimum yment plus the overlimit amount of $1,240.74. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.conVpaperiess. PO BOX 71084 [I[url[uuslrlnllulelsl 0000019666192S469610207540740f}106000110700 Discover More Card Account Summary Closing Date: September 23, 2008 page 1 of i ;Account number ending in 2472 Previous Balance $7,240.44 Payment Due Date October 22, 2008 Payments And Credits 0.00 Minimum Payment Due $1,107.00 Purchases + 113.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 !Cash Credit Limit $4,725.00 Finance Charges + 187.30 ;Cash Credit Available $0.00 New Balance _ $7,540.74 You may be able to avoid Periodic Finance Charges, see the reverse side for details. cashback BonuSe Opening Cashback Bonus Balance $ 0.00 Nww Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashbackr BonasWAnniversa ---------------------------------------------------------------------------- Month: August I. Can We Help You? 1 • Visit Discover com to pay your W for no coat, view your P latest Account information, earn and redeem rewar s and more It's your choice - 3 ways to help 2. Cali 1-800-DISCOVER (347-2683) for fast, easy s4mrvice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing Impaired) me reverse side 3. Write us at Discover Cord, PO Box 30943, Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Past Date Date Payments and Credits Aug 25 Aug 25 PAYMENT _ THANK YOU $ -106.00 Sep 3 Aug 25 PAYMENT ADJUSTMENT 106,00 ;Other/Miscellaneous Sep 3 Sep 3 RETURNED CHECK CHARGE Sep 23 Sep 23 OVERUMIT FEE Sep 23 Sep 23 LATE FEE .r 35.00 39.00 39.00 _ ,information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. :Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FWANCE FINANCE Balance s Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $800.90 0.08216% 29.99% F 29.99% $20.39 $0 Cash Advances $6553.38 0.08216% 29.99% F 29.99% $166.91 $0 TL- ..den A-f -1- 1- -.- A:... .? - -14"u A-4 I1:1 ..r i4 0., mn- .. , M - -#-A -I,-- -------------- - ......... _ _+---- -- _. . Important Informallon. If there is more than one page to this billing statement, see the bads of each page for additional important irkanaijon. (n See your Cardmember Agreement Your Cardrrhetnber Agreement contains all the terms of your A oc unt zz Lost or stolen cards. Report Immediately! Cal lao-347-M& b gfflk q Rights Summary. to Case of Errors or ( mfionsAbout Your Bel: H you think your bill is wong; ot. if you treed more information about a transaction on your bill, write to us on a o separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We mud hear from you no later than 60 days after we sent you the first bill on N which the arror or problem appeared, You can telephone us, but doing so will not preserve your rights. In your latter, give us the following information: • Your name and Aawurd number. • The dolor amount of the suspected amor m • Desoribe the error and explain, l you can, why you believe there's an error. If you need more information, describe the item you are.unsuce abed. x You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question; While we investigate your question, we caw report you as delinquent or take arty action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the gwRy of goods or services that you purchased with a credit card, and you have tied in good faith to.conrect the problem with the merchant, you may not have to pay the remaining amount due on the goods or senv!ces. You have this protection only when the purchase price was more than $50 and the purdtese was made in yore home state or within 100 mass of your maiilag address. (if we own or operate the merchant, or W we maid you the advertisement for lire goods or services, all purchases are covered regardless of the amount or location of pwotme.) Payments. Send only your payment and the top portion of this stalment in the envelope provided. Do rot send cash. By sending your dheckas desaitred above, you authorize us to use aJonn on on your chock to make an elearahic fund transfer tom your account at the financial institution indicated an your dwedr or to process the payment as a d*& trio saction. H payment is processed as an efecbonia fund transfer, the transfer call be for the amount on the check. When we use information from your Check to make an electronic hind transfer, funds may be withdawn from your account as soon as the same day we receive your payment, and you wall not receive your check back from your financial ih>siitdiah. The processing of your payment may be delayed 'dyou send casts carospondenrce or other items with your payment, If you sand the payment to any other address or if you.use an ernvInpe other than tlhe sine provided. Payments terzr;rwt in proper form at our processing fa illy by 5PM local time on any day will be credited to your Accwnt as of that day. Pa;rtrn(s - riceiaakl at arc processing iw asst 6P1 R koat Arai urn! bi - id M fn gw- - A*ioivnt ai b(79 next daq.IFyW Novi iua? your envelope, i"-y&k payrrieW D96o"yit, PO U) 6103, Card Stream. IL 60197-6103. Please slow 7-10 days for ddfivery. If your payment is returned unpaid, we reserve the right to tesubmitit as an electronic: debit You can pay your minimum payment or a greater amount over the teieptane and you can set up automatic payments. Call us at 1.800.0.347-2683. You will need this statement and your bank account udorma m You must ensure that sufficient Gads are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your acoamt statement zip code. By anterirg time numbers as your electronic signature, you will be agreeing to this auuihorization to slow us and your bank to deduct each i payment you authorize from your bank swam and to n isle debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each slalema r t. You can cancel a payment, howeverwe must receive noboa at least three business days in advance of the scheduled payment You may notify us by phone at 1$00.347-2683 or.by mad at the address fisted in the previous paragraph. 9 your payments may wary in amount, we will tell you on each monthly statement when your payment will be made and taw much 4 will be. Your Automatic payment amount may be less than indasted on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus, Late payments, missed paymsnts, or otter defaults on your awamt may be reflected in your credit report We rarrraAy report the stets and peyrrhanthistory of your Akxxunt to credt reportth? agendas each m". Ryou berieve that our report is inacckrltte or incomplefe, please write us at Ste following address: Discover, PO Box 15316, Wilmington. DE 19850.5316. Please nceude your name, address, home Wephhone number and Aocoard number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the train is posted Io your Account until the date you pay your "a New Behance, by making payments or receiving aadife. However, if you paid ft New Balance on your previous burg stetemerk by 6* Payment Due Dale shown on that statement, and you pay the New Balance by the Payment Due Date on your current Wing statement, we will not impose Periodic Finance Charges an now purchases, that is, purchases fret appearing on the current statement. We cal tls the grace period. Otherwise, you will reoeiva a tiling statement next month that includes Periodic Finance Charges on terse new purchases. There is no grace period an bela ce transfers or cash advances. We sat your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rats. For example, purchases subjed Io a promotional note and purchases su*d to a standard rate would be separate groups. We refer to these groups as iransectort categories. At ihe.end of each g period, we ccrnpute belaraes arhd Penoklc Finarhce Charges for each day of thelx'?hg perbd for each it&hsaction category. We sloe the folotvthg equatiorh te kxxnpute Periodic Firuace Charges for sect trarrsaction category. Average Balance x mrnberof days m rte bang period x Daily Perioulc Rate. (Yam may refer te the frhetae'charge sunhmhery an your bilbhg statement for tthae amounts.} Then we add uq the Periodic Finance Charges far aech frarsactiah category te gel lie tolai Penodo Finance Charges Amu yrtur Aowwht. The Average Daffy Balance is sthown as zero it, because of the dace period. rho Periods Finance Chharges apply to tlte.balance in a transaction cetegory. . Yt? :::e!eha A:etag:.Daay 9a!anc9_(shdund'chg.rtev.trachsak:6ons}me'OhoMt.?a;!clOarirmiha belanceLpoth whtith sva.impose-P_etio?c FinaDCxs Dbatges. We.oontpu6e_1heAvterege.Dafly- - -- Balance for each uantsacfim category, by adding up al the daily belaces in a b&V period fora transaction category and dividrtg the total by the number of days in the billing cycle. We compute the daily balance for each transactior, category on each day by first adding the folovtng to the previous day's daily balance: barpsaGiorha made that day, fees charged that day and Ptinodic Finance Charges accred on the previous days daily balance: and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In colatating the deilhr balance forlhe first day of the Miffing period, we consider the'previous days balance to have been your balance for each transaction celegery on the test dayof yore previous bi tg period. t a transaction is posted to yourAocotxt after the dose tithe biting period in wNch t ocoum we will treat the transaction as hav- ing ocomed on the first day of the biting period in which it is posted to your Account. All fees charged to your Account are added to le standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finenoes Charges which are added to the applicable balance transfer transaction category . When a special balance transfer rate expires, we mare the unpaid balance of the balance transfer and the Balance Transfer Transection Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated under the Default Rate Phan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deaf} assistance, please at 1-800.347-7448. Discover may monitor and/or record telephone cats between you and Discover representatives for quality assurance purposes. The Discover" card is issued by Discover Be*, Member FDIC. 14ovemoer AL, zuvo Please make c eckt Pcyaafe +o '? scover ward. You are overlimit. Pay the sum cf the monthly minimum payment plus the over limit amount of $1,506.82. 23 SDSN6A02 0025665 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 Address, e-mail or telephone change$ 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 y)ur account information more secure vnth password- protected statements only you can access. Learn more at discovercom1paperless. PO BOX 71084 11111111r,u?1r1?r11n1rI?1 CHARLOTTE NC 28272-1084 1111111111,111,11111111111111111111111111111111111111111111111 000001986618254696102078068200000000131100 Discover More Card Account Summary Closing Date. October 23, 20013 page 1 of 1 Account number ending in 2A72 Previous Balance $7,540.74 Payment Due Date November 22, 2008 Payments And Credits 0.00 Minimum Payment Due $1,311.00 Purchases + 78.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Umit $4,725.00 Finance Charges + 188.08 Cash Credit Available $0.00 New Balance - $7,806.82 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance New Cashback Bonus This Period $ 0.00 + 0.00 Cashback Bonus Balance ---------------------------- $ 0.00 -------------------------- - -- 'Cashback-Bonus® Annivarsc arq --------------------------- Month: August 1. Visit Discover.eorn to pay your bbl for no cost, view our How Can We Help You? latest Account informotfon, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8004)ISCOVER (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 309A3, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date odd/husceManeous Oct 23 Oct 23 OVERLIMIT FEE $ 39.00 Oct 23 Oct 23 LATE FEE 39.00 i i Finance Charge Summary Nominal Transaction ANNUAL ANNUAL Periodic Fee p ily rage pe iifodpc PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES _F C current billing period: 30 days Purchases $911.68 0.08216% 29.99% F 29.99% $22.46 $0 Cash Advances $6719.59 0.08216% 29.99% F 29.99% $165.62 $0 TL- .-&-. +L-s .,.,.,L, F,•..mnr O-tuint nre ainhwr fixed IFI or thev may varv M as noted above. Important Information. If there is morelhan -page to this billing statement, seethe bade of each page for additional important information. ce C) See your Cardmember Agreement Your Cardmamber Agreement contains all the terms.of yourAccount C z Lost or stolen cards. Report immediately! Cal 140.347.2683. rn g Bilging Rights Summary. In One of Enors or Questions About Your Bill: 9 you uric your bill is wrong, or if you need more information about a transaction on you big, write to us on a; o separate sheet of paper at Discover, PO Box 30421, Sell Lake City, UT 84130.0421, as soon as possible. We must hear.from you no later Haan 60 days atterwe sent you the Est bill on to which the error or problem appeared. You can kiephone us, but doing so will not preserve your rights. In your letter, gyve us the'fdbwing nfomuticn: at • Your name aid Account minima. . 0) • The dollar amount of the suspected anon m • Describe Bra error and explain, Kyou can, why you believe there is an error. If you need more information, describe the item you are unsure about. x v You do not have to pay anyamount in question while we are investill ft but you are still obligated to pay the parts of your big that are noon question, White we investigate your question, we carrot report you as delinquent or take any action to collect the amour you question. Special Rule for Credit Cud Purchases: If you have a problem with he quality of goods or services that you purchased with a credit card, and you have tried in good faith fo.eorred , the problem with the rnerttaent, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more to $50 and the purchase was made in your home state or within 100 miles of your maiag address. (If we own or operate the merchant, or if we mailed you the advertisement for the goods on services, all purchases are covered regardless off* atnount of location of purchase.) payments. Send only your payment and the top portion of this statement in ft envelope provided. Do not send cask By sending your chiecir as describad above. you authorize us to use information on your o n& to make an electronic fund transfer from your account at the 4hahCid institution indurated on your dneok or to process tine payment as a dock transaction. R payment is processed as an electronic find transfer, the barister will be for the ernant on the dm& When we use information from your check to Mahe an electronic find transfer, funds may be withdrawn tom your account as soon as the same day ue receive, your payment and you will not receive your check be& tam your financial institution. ? prooassb8 of Y? PaN??nt ?Y be rt yRw sad casts, oareap0rnderaoe orotlar uterus wtUh you' payment, t you send rte payment to any ocher address or dycau use err ? . _ _ envelope clines Ulan the one prov_idhd_ recenved m proper form al our pnooaserrag bd'lily DY 5?t beat Cite an enyday-wit be padded to pour Acoourtt es of gtelday, recerveda li ?( ' i t o ls o e aa 4 y'u i e a te be aed t ] io y i Aa urA ss f fie x d lf e i vend C d o i er oca r r i pr c s tg ac y e t n h a a r ur o l rte xt ajr. y t Isa spla e y u r envafope;send yotirpajrrrheM MDtscove?; t3ox 6103, Card Stream, IL60t97?103. olio 7-10 days.for de5vayi If yourpayrtient is rettened unpaid, we reserve the right to resuitx>rf it be+tra electrodo dehd. ? You can pay yar nininrmr paymt>ntor a greater atneunt ova the telephone. aid you can set itp autontetic Mawnts..Cahl us at f-800:347-2881. You will need this sfaternent and yo ur all transactions'mustoomply with.U.S. W. You wail be asked to provide the fist 5 dngits of your account steteanent n p cock. BYenterig those rtunnbers.es your electronic stgraehre, you will be agreeing to this authorization to allow us And your bmkto deducteach. paymaht you authorize from yar bank aceotat>k and b initiate debtor uedt entries to your bank aooourd. as ayhpticehfe;lo carectan error in tha'phocessingof suds payment Y.;;! tell its the amount death payment .or you cahsekd an arrtount sixth es the Miirtaam Payment Due or the Newt Belarure on eacfi etafemartt You can cancel a peynttent howeverwe' must receive notice at (east Three Iwsuhess days in advance of Ste scheduled payment You may notify us by ptaone at 1-004347-2683 or by mail at the address listed in the previous paragr?h. t you ltaymneris may vary to amount ire wig tag you on each nandiy alatemertt what yoku peytraerutwill be made and how much itwill be. Your Automatic payment amount may be lass then indicated on the montliystatentent based on erects or payRnerds ?ptied.dtrrirtg tneb7iug cycle Credit Reporting. We may report iniomreton about your acoountto credit bureaus. Late payments, missed payme nts,.or other defoults an your a wig may be reflected in-your credit report We normally report the status and payment h" d yoirAODDunt to credit "Oft agencies each month. If you bdm thatour repod is'riaccnrds ernoompide, please virile' us at the Wowing address: Discover. PO Box 16316, Wilmington, DE 19850.6316. Please include your name, address, home. taleptione niarhDar.andAccount number: PERIODIC FINANCE CHARGES. Periodic Fiance Charges are imposed on erg transactions from the data thelranasactan is posted to yawAccount vial the date you pay,yoir entire New 9efance, by maW g payments or receiving credits. However, if you paid the New Balance on your previous bating statement by the Payment Due Date ehown on that statement, and you pays the New Balance by the Payment Due Date on your current bft statement, we will not impose Periodic Finance Charges on now. purchases, to is, mown fret appearing on the current stater mt We call this the grace period. Otherwise, you will receive a billing staternent.naexi month that includes Periodic Finance Chagas on those now purchases. There is no grace period on balance tranders or cash advmaces. We sort your trams auto groups of prchases, cash advasm, and balance transfers and then further sat the transactions within each pup by t wirAnnual Percentage Pak. For example. purd>ases subject b a prartotional rate and prdaases subject b a skrdard rate vrouid be separate groups. >Ne rater b these gnxups as iransadiora rategaries. At tbe.erd d each txging period we eriodic l:her N ummery ldlinp s Dais shown as fro A, beceuse d the grace period n0 Perlo?c Finance Charges apply 1o tine balaitoe la e barhsaton cekgdryr OW= WP use.the Aw ageDzily Balanoe_{ ttransactions) mettatof cakxdating tea bataDCesnpoo harthich we.impose.P_eriodie Fanahnr.Charges 1Ne eortyxdelhel+verage Daly -: Balance ter each transaction category by adding up erg the'daily bnlanoes in a billing pariah ter a transaction celegary and dividing tm btal by they riw of days into bhOV oyde. We compute the daily balance for each tratsecbop category on each day by AM adding rte following to the previous days daily balance: kwasedons made:Saaldag feea.charged that day and Peniodic Finance Charges accrued on the previous days dailybaknoe: and by then subtracting any credits and payments the are applied moat the below of the transection category on that day. In calculating the dally balance for Do first day of the billing period, we consider the-previouadays batance'to have been..yourbaleace for eachraasaaion category on the lost day of your previous billing period. Ka transaction is posted to your Account after the close of fie bilging period.in wi" itoccurs, we will bed the transaction as hav- . ing ooarred on the first day of the bffmg period in which A is posted to your Account At tees charged to your AcaaiN are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Fiienoe Charges which are added to Use applicable cash advance transaction category and Balance Transfer Transaction Fee Finarrtes Cherges Ouch are added b the. applicable balance transfer transaction category. When . a special balance transfer rate expires, we crave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee.Finance Charges to the standard Purchase iransactiort category. Havaver, if the special rate has been terminated under tba DetaWt Rare Plan, we heave the unpaid balance of the balerx».transfarand the Batanoe Trar>slerTrarrs- i action Fee F nance Charges in die applicable transaction category until dwspecial rate would have expired. For MD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7448. Discover may monitor andlor record telephone calls between you. and Discover representatives for quality assurance purposes. The Discover" card is issued.by. Discover Bark; Member FDIC. F4overnmer LY, Luuts 31 SDSN6A02 0025666 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 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. Leam more at discover.cornipapertess. PO BOX 6103 CAROL STREAM IL 60197-6103 000001986618254696102000000000000000146800 Discover More Card Account Summary Closing Date: October 31, 2008 page 1 of 1 !Account number ending in 2472 Previous Balance $7,806.82 Payment Due Date November 29, 2008 Payments And Credits 7,806.82 Minimum Payment Due $1 x468.00 Purchases + 0.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $.4,725.00 Finance Charges + 0.00 ;Cash Credit Available $0.00 New Balance _ $0.00 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashhack Bonus Nance $ 0.00 -`C-aA&cck-Bonus6AnnWe ------------- --- - - - - - -- - Month: August How Can We Help You? p 1. Visit Discover cero to pay yew 6,11 for no cost, view your ` latest Account information, earn and redeem rewards and more ;lt's your choice - 3 ways to help 2. C-11 1-800DISCOVER (347-2683) for fast, easy sell service oase have your Discover Card available. ?Pl options or to speak with a Customer Service Account Manager 3 Write us of Discover Card PO Box 309 43 !For TDD (assistance for hearing impaired) see reverse side . , , . Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guataniae Use Your Discover Card with confidence. Trans. Post Date Dote Payments and Credits Oct 31 Oct 31 INTERNAL CHARGE-OFF Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FRANCE FRANCE Ba a Rates RATES RATES CHARGES CHARGES billing period: 8 days Purchases $0 0.08216% 29,99% F 29.99% $0 $0 ;Cash Advances $0 0.082160/a 29.991/4 F 29.99% $0 $0 The rates that ooolv to vour Account are either fixed IFI or thev may varv NI as noted above. Important Information. If there is more than one page to this bilking statement, see the back of each page for additional important information. O See your Cardmember Agreement Your Cardmember Agreement contains all the terms of yourAmount. Lost or stolen cards. Report immediately! Cal 1$x-347-2683. m o BillkV Rights Summary. In Case of Errors or QueslionsA xxA Your Bill: if you thireo your bill is wrong, or 4 you need more kdormation about a transaction on your bill, write to us on a ro separate street of paper at Discover, PO Box 30421, Salt Lake City, UT 841340421, as soon as possible. We must hear from you no later the t fie days after we sent you the titsl bill on which the error or problem appeared. You an telephone ua, bus doing so will not preserve your rights. In yon letter, give us the following ntormation: • Your name and Account number. o, • The dollar emoubtol the suspected error N • Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure about. dxih You do not have to pay any amount in question mime we are investigating, but you are std obligated to pay the parts of your bill that are not in question. White we investigate.your question, we cannot report you as delinquent or lake any action to collect the amount you question. 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 have tried in good faith to correct . the problem with the merchant, you may not have to pay the remaining ernount due on the goods or services. You have this protection only when the purchase (rice was more than $50 and the purchase was made in your home stele or within 100 miles of your mailing address: (If we own or operate the merchant, or if we mated you the advertisement for the goods or services, all puraheses are covered reWess of the amoum or ocallon of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sendrig your check as described above: you authorize us to use nfkxntation on your check to make an electronic find transfer from gar account at the kimnciat institution indicated on your check or to process Ore payment as a d" transaction. If paymer* is processed as an electronic lurid transfer, the transfer will be for the arnount'on the check. When we use information from your d9oclc to make an electronic hid harder, funds may be withdrawn from your account as soon as he same day we receive you payment, and you will not receive your check back from your financial ins6df6on. The processing of your psyment may be delayed if you send cash, correspondence or other items with your payment 0you send the payment to any other address or 4 you use an emrebpc Whet than he one provided. Payments received in proper tcxm at our processug fa"itY by 5PM iotal time on airy day will be credited to your Account as of that day. Payments ieceived al dxr prdxxxisdtp taaldva?er 3PI 9 lei th tans wiPl be ar+?ted io yotxAdxbunt as oT the nebd day. rfyou fiave i»isplaced yodir envabpe, semtydrr payrtiera to b PO Doi. - 6103, Carol Stream. IL 60197.6103. Please allow 7-10 days for delivery. 0 your payment is returned unpaid, we reserve the right to resubmit R as an electronic debit You can pay your minimum payment or a greater amount over the telephone, and you cart set up automatic payments. Cal us at 1-600-347.2683. You will need this statement and your bank account information. You must ensure that sufficient lurds are available in you bank account, and all transactions muait ow" with U.S. taw. You will be asked to provide the first, 5 digls of you account statement zip code. By entemg those numbers as you electronic signature, you oil be agreeing to this a ffior¢atio n to allow us and your bank to deduct each payment you authorize from your bank aawunL and to initiate debit or credo entries to your bank amount, as applicable; to maW an error in the processing of such payment You must tell us the amount of each payment, or you can select an emount.sudh as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1-M-347 2683 or by mail at the address Rated in the previous paragraph. If your payments may vary in amount, we will tell you on each monthly statement when your payment will be made and how much it will be. YourAutomtntc payment amount may be less Mn indicated on the monWy statement based on credits at payments applied during tike billing cycle. Credit Repord% We may report nformatan about you amount 10 credit bureaus. Late payments, messed payments, or other defaults on you amount may be reflected in your credit! report We namely report the status and payment fastoryof yartAcco nt to credit mpxft agencies each month. Hyou believe Heat elirrepomt is inaccurate orinoornplefe, please wrM us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please in:kide your name, address, home telephone number and Amount number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Aceomt until the date you pay your entire hlew Balance, bbymakbng payments or PaC"Q credits. However, 9 you paid the New Balance on your previous bring statement by the Payment Due Date shown an that statement, aid you pay the New Baimnce by the Payment Due Date on your cxrent billing statement, we will not impose Periodic Finance Ch new pumlieses, that is, purchases teal appearing the current statement. WB cal ties the grade period. Otherwise, Charges en Finance those you will receive a burg statement next month that includes Parodic Finance Charges on those new new purchases. There is no grace period on balance transfers or cash advances. We sort you transedrors onto groups of purchases, cash advances, and balance transfers and then $alher sort the transactions within each grow by theirAmua! Percentage Rate. Foi example. purchases subject to a prorm ionel rate and purchases subject to a standard rate would be separate groups. We refer totrese groups as transaction categories. At the end of each biting period, we compute balances and Periodic Finance Charges for each day of the biting period for each transaction category. We use the following equation to compute Periodic Finance Ch dirges for each trarnsec tim category Average Daily Balance x number of days to the billing period x Daily Periodic Rate. (You may refer to the finance dtharge summary on you buying statement for these amounts.) Then we add up the Perlock Fmeroe Clow tar each trarmoaon category to get the total Periodic Finance Charges kr you Await. The Average Daly Balance is shown as zero 1, because of the grace period, no Periodic Finance Charges apply to the betanee in a transaction category. -Ve.i"AsAverage Daily BeIswe(nktudingde-t, w,Wx1i'Xi.9rihe,'twd.eitalcula:09thelbatanceu;x whidmtekWsePebin:=Finance.Charges--We.compuathaAverege Finance for each transa" cat" by adding up all The daily balances in a billing period for a transaction category and dividing the total by the number of days in the bang cycle. we compute the daily balance for each fraiisactim category on each day by first adding the o0owing to the previous days daily balance: transactions made that day: taes,charged that day; and Perio& Finance Charges accrued on the previous days daily balance; and by then subtracting any credits and payments that are applied eganst the balance of the transaction category on fret day. In calculating the daily balance for the fast day of the billing period, we consider the previous day's balmce'to have been you balance for each transaction caft y on the last day of your previous bkitsig period If a transaction is posted to your Account after the dose of the being period in which it ours, we will treat the transaction as hav- ing occured on the first day of the billing period in which 4 is posted to you Account, All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transectiion Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable belar?m1,,,transfer transaction category. When a special balance transfer rate expires, we move the.uipaid balance of the balance transfer and ft Balance Transfer Transac6at Fee Finance Chum b the standard purchase uamsactiadn cafegory. However k the special rate has been terminated under the Default Rate Wan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable tramacfion category until the special rate would have expired. For TOD (Telecommunications Device for the Deaf) assistance, please 0401.800-347.7449. Discover may monitor arift record telephone calls between you and Discover representatives for quality assurance purposes. The Discover* card is issued by Discover Bark, Member FDIC. December 2 i, MJ8 22 SDSN6A02 0025667 MORRISON, SHARON L 243 MEALS DR CARLISLE PA 17015-3183 Address, e-mail or telephone changeV 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.comfpaperless. PO BOX 6103 11111111111 of CAROL STREAM IL 60197-6103 lelieelleeeenelll?ltelet.I,Il.eer?lllleet??llelle?eeelleeleell 0000019866182546961020764982'00157000146400 Discover More Card Account Summary Closing Date: November 22, 2008 Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit ;Cash Credit Available page 1 of 1 2.472 Previous Balance $7,806.82 December 21, 2008 Payments And Credits 157.00 $1,464.00 Purchases + 0.00 $6,300.00 Cash Advances + 0.00 $0.00 Balance Transfers + 0.00 $41,725.00 Finance Charges + 0.00 $0.00 New Balance $7,649.82 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance 0.00 -;-CashbackBonus&Annlversa-----------------------------------•---------------------------------- Month: August How Can We Help You? p 1. Visit Discover com to your Wl for no cost view your ?y "°" '?" l t t A ti d d f d d a es orma ccount in on, earn an re eem rewar s an more It's your choice - 3 ways to help 2. Call 1.8000SCOVER (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 ability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payments and Credits Nov 7 Nov 7 PAYMENT - THANK YOU $ -157.00 ;Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dilly Periodic PERCENTAGE PERCENTAGE f?NANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 22 days ;Purchases $0 0.08216% 2999% F 29.99% $0 $0 :Cash Advances $0 0.08216% 29.99% F 29.99% $0 $0 previous billing period: 8 days Purchases $0 0.08216% 29.99% F 29.99% $0 none Tho rntaa thnt nnniv to vnirr Aer mint nra nif6^r RYPA IR nr ihnv rrtav vnrv Nt m nntert nhnve Important Information. If there.t more than one pegs to this billing statement, we the beck of each page for eddy important Worination. o See your Cardmember AgreemenL Yb r Cw*nembaAgeement oorftm all the terms of your Aowunt z Lost or stolen cards. Report immedielelyl Call 1-800-34746M. c =3 Billing Rots Summ In Case of Errors or Questions About Your. 0: U you Ydrink.ar bill is a?yi wrong, or t you need more irformetiori abcirt a transaction an.yarr bill, Write to Won a N o separate sheet of poper at PO Box 30421. Sak Lain City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent YOU the first bill on e which the error or problem appeared You can Wephom its, but doing so will not preserve your rights. M your fetter give us the'f sing Womistion: Xi • Your name andAcootsd number. `v • The dollar amount of the suspected error • Describe the error and explain, 9 you can, why you believe there is an error If you need more information, describe the item you are tissue about al You do not have to pay arty amount in question white we are investigating, but you are ssli obligated to pay the parts of your bill that ere not in question. Wtple we i vestigate your question, we cannot report you as dekgM or take any action to collect the amount you question. 3 j Special Rule for Credit Card Purchases- 9 you have a pmblem with the quality otgoods or services that you purchased with a credit card, and you-tow tied in good Wth to correct the probternwith the merchant, you may not have to pay the remaining amourd dine on the goods or services. You have this protection only, when the pumtiese price was we than $50 and the purchase was made ki your home arse or within 100. miles of your mefmg address. (if we own or operate the merchant. or 9 we mailed you the.adveilisa sal, for the goods or services, of purchases are covered regardless of the amount or location of purchase) Payments. Send a ly your payment and the top portion of this statement in the envelope provided. Do not sand cash. By send d at artl>o rize ti <y aymment eth as s a rse use information an your died to make an efecbordc fund tansferfrom your account at the fnarhcial institution indicated n your r d dneck * or r In b Mom the he pP tra d" ctora. = Upsymerrt js processed as an electronic fund transfer, the transfer will be for ft amount on ire, check When" use information from your horde to melee an;alsoonic pxhd trarnsfer, . funds maybe withdrawn from your aconuM as soon as the same.day we receive your payment, and youwil not receive your check back tom yowflnancial id>:dtution.; 9 The processing d. your payment may be delayed $ you said cash; ooaeapondanpe or clan tams wth yourpayment,'rf you send the payment to enyoGSeraddreas a f'youuse an . l - envelope other then to one provided. Payments received in proper form at our processing W* by 6PM local time on say day will be a*ediled to yowAouxunt as of that day. Paymerit recirvedl at cud jriocesshingf&y- lei SPM>oCel Stine N 6eahfdtedlb W Accasrt as a9ieihed f l y u d R a 1 ve f ent o Disd 4 l 5 i f ve e i 7B asp ey. Y ? w t n rt e opa; e your is l o rpt t y ox 6103 C 87 6f03 , arol Stream, k. 601 . . Please allow 7-10 days for delivery. M your payment is.rewmed unpaid, we reserve the"b resubmitd assn electronic dabiL You can pay your minima payment or a greater amount over the telephone, OW you can set up automatic payments. Call us at 1.800347ai: You VA road this slatomentand your bank account information. You must own that sufficient funds are available inyourbe * account, and all tansadw>s must am" with U.S. low. You will be asked b.providet the first 5 digis of your account statement zip code. By e>getatg those ambers as your electronic signature. you will btagreeing to this audhorizatiah b a8ow us arid your b"10 duct each: Payment you sultion ze from your bank account, and to inmate deck or *a& entries to your bank aoobunL.as applicable, to correetan.eaar in tie'pmomming gf such psymartt You must tell us the amount of each payment, or you can select an woo such as the Mk*nurn Payment Due or the New Balance on each statement, You can canoel;apepwit. however we ; must receive notice at least three business, days in advance of the scheduled payment. You may ratify us by phone at f•80t? 347-2683 orbymail ati he.addreas tieled in.0 previous Paragraph. If your payments may way in emoted, we will tell you on each monthlystatemerd when your payment will be made and how much d vvit be. Yo rAutomatic payment monk may be less than indicersd on the mod* statement based on are is or peymems appied dssrxr the, bill" cycle. Credit Reporring• We may. report iihtOnnation abarR your edmornt b aedt bureaus, titre payments, r»nssad payments,or drier default an your aocaurnf maybe retected hryotr erafit report We rhomhelfy repot the atelts and psynherd tisEary of yourAooarht lei dcredt repartiri? agenc?res each month. If yvu betietre tier otiroepat is irieccuiate otiriho0riplele, please wiles us at Mae tofotiving address: Discover, PO Box t53t6, Wiminglan, DE 49650-53t6. Please srclude your rune; atidresa; t?orrne. telephorhe:rhisaber,and Aaount axnbei: PERtOMC FINANCE CHARGES. Periodic Finance Charges We imposed on at transactors from to date t etwosiction.is posted byotrAccaad until the date you payythtr.enke New Balance, by meldng Payrneritts or teceivithg credit. %wever if you paid the Now Batriman your previous bfY ig etalement by-to PayrrhW Due Date shown on dint datwwd, and you pay the New Balance by the Payment Due Dwe on - , wi arrant Will statement we will not impose Periodic Fsance Charges on new purdieses, that Is, purchases Gist appesrirg on the current statement. We cat this the grace period. Otnwse, you will reosive a bring swernent A.month that hAides Periodic Fiance Charges on thoee.new purchases. There ' is no grace period on Eelance.garsl rs or cash adviirms. We sort your transactions into groups of purchases, cash advances. and balance transfers and than further sort die transactions wiidhah each grow by theik Annual Percentage Rafe. Far example, purchases ubject to a p rate and pum hessa subject b a starhdad rafa.wo ld be separa€e groups. We refer b two groups as transaction categories. At the and of . each bring Period, we compute belences and Periodic Finance Charges for each day of the billing period for each transaction eategoty;.We time to following equation to cwnpute Periodic Finance Cha es for each trar=6on tbte r o Avets e Dail Babho x number of d ft l eriod x Dail i ft Pub& 0 Y f tl f n ! t g g .. g g e y p y ays n i ou may re er o i erimc e. ( » ge. sumtriayon your lotting statement for Maseamasht.) Thai we add up'the Periodic Fsherrce Charges for eadrtrorgsdbn.calegory to get t e total Periodic F6haiw C haiges poor ydxr Acociunt, The Average Daly Balance is shown as zero if, because of to grace period, no Periodic Firance Charges appty.lo the balance ina transaction als" -)Y(! use the Averra98_ DkkQP*-m4 CwYkArg nary-arr3rrsadioraj M"W q.(palwlatng phut ba?rae upon owthiefztvsjrtipose t?erioalc Frnence.CFhnrges!Ale del )he Average Defy Balance for each transaction category by ad ftup nu ale the defy belarices in e. period fa a traaecton calegay erid dwhtfmg the Eotat. by t3a mber oideya in.the bfinq Wde. % txsrpule the defy balance foreedh,lransecLorh category on each fey by fast addst8 to folbwnt9 to ire Previous day s tleiy belethce; tratsactlots mode fat day, taee.etherged that day and Periodic Finance Charges socruedon the P -4m *a daily belence; and by ff- sum any ciedi6s end payments Mhataeappled ogsist ire bgii iw of 8a h rhsacbon category on kit day In celculatrhg the dely balance for the fret day of the billing paced, we consider the -previous day's balance' to have been your balance for each .transaction category an ft last day of your previous bifshgpeniod. U a transaction is posted to your Amount after the doseof the bulling period in which it occurs, we we treatthie Uarsectiom.es hav- ing occurred on tide fast day of the bring period in which it is posted b your AcoounL At fees charged fo.your Acccurt are added to the standard purchipse transedion categorywk hthe:exception of Cash Advance Transaction Fee Finance, Chagas whrdn ate added to the appliabls ecru advance transaction ategoryand Balance Transfer Timisedion Fee Finances Char es which are ridded to the a lio" balance trams sa itaction'cate o Wh pp g g ry en e special balance transferrete expires, uva move the,urhpaid baance of to balance transfer and the Batrxe Transfer Trhhrsecdon Fee Fi artce Chem- to the'atarwilud purctme barsaclion category Havener, if the spaW rate has beep lermhsted nnderft Debug Rate Plan, we leave the unpaid balance of Mrs babairce trwo*aW the BawM Transfer Trans- action Fee Franoe Charges in the spliliabletransactwn category until the special rate world have expired. For TDD (Telecommhunicasons Device for the:Oea4 assistance, please call i-M347-7449. Discover may monrtor atdlor record telephone teas between you.and Disooverrepreeentalves for quality assurance purposes, The Oisoovera cad is-issued by Discover Bank, Member FDIC. Our File No.: 275594 ` PRO ! HONOTAR`'i DISCOVER BANK BY ITS SERVICING ) 2011 AUG - E PM 1: 36 AGENT DFS SERVICES, LLC ) CUMBERLAND COUNTY Plaintiff ) NO.: 10-5080 PENNSYLVANIA vs. ) SHARON L MORRISON ) Defendant PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROT ONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argume t Court. 1. Matter to be Argued: Plaintiff's Motion for Summary Judgment 2. Counsel who will argue cases: i Apothaker & Associates, P.C. SHARON L MORRISON, Pro Se Attorneys for Plaintiff 243 MEALS DR 520 Fellowship Road C306 CARLISLE, PA 17015-3183 Mount Laurel, N 08054 (800) 672-0215 3. I will no ify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: i.t Q co 1 a J t I Ln BY: 4enjamin rCavaallarro, Esquire y for Plaintiff Dated: July 27,I'I 2011 INSTRUCTIONS 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. Themoving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If arg ment is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. I DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC, Plaintiff V. SHARON L. MORRISON, Defendant OW01*0 t"%44 *00 %,&& 2t IN THE COURT OF COMMON PLEAS OF THE NINTH JUDICIAL DISTRICT No. 2010-5080 CIVIL TERM IN RE: MOTION TO AMEND CAPTION RULE TO SHOW CAUSE AND NOW, this 10 day of March, k2012, upon consideration of Plaintiff's Motion to Amend Caption, a Rule is issued upon Defendant to show cause why Plaintiff should not be afforded leave of court to amend the caption to reflect the proper name of the Plaintiff as Discover Bank. RULE RETURNABLE within 20 days from the date of service of this Rule. Distribution List: By the Court Thomas lacey C.P.J. J Benjamin J. Cavallaro, Esq. Apothaker & Associates 520 Fellowship Road C306 Mount Laurel, NJ 08054 =f= For Plaintiff -< '- J:?- r. -? ? Sharon L. Morrison ?° cv 243 Meals Dr. Carlisle, PA 17015-3183 Defendant, pro se ec , red ??? ?? Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC Plaintiff vs. SHARON L MORRISON Defendant Civil Action PRAECIPE TO WITHDRAW MOTION TO AMEND CAPTION TO THE PROTHONOTARY: Kindly withdraw Plaintiff's Motion to Amend Caption. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: j min J) Cavallaro, Esquire L 12 i Y 21 3: 'Uj'-IBERLAIND COUNV" COURT OF COMMON PLEAS OF CUMBERLAND COUNTY NO.: 10-5080 Dated: May 15, 2012 Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC Plaintiff Vs. SHARON L MORRISON Defendant r rj(? ' j P =l1 Jul 20 P} 1: 2 t CUMBERLAND P'"S Yt?y, httA ! ' COURT OF COMMON PLEAS OF CUMBERLAND COUNTY NO.: 10-5080 Civil Action MOTION TO AMEND CAPTION 1. On or about July 28, 2010 our firm filed a Civil Action Complaint captioned DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC vs. SHARON L MORRISON. 2. The Plaintiff changed its name to DISCOVER BANK. 3. The correct name for the Plaintiff should be DISCOVER BANK. 4. Accordingly, the Plaintiff now respectfully petitions the Court to allow Plaintiff to Amend the caption to reflect the proper name of the Plaintiff, DISCOVER BANK. 5. The Pennsylvania Rules of Civil Procedure, Pa.R.C.P. 1033, specifically permit parties to amend their pleadings: A party, either by filed consent of the adverse party or by leave of court, may at any time change the form of action, correct the name of a party or amend his pleading. The amended pleading may aver transactions or occurrences which have happened before or after the filing of the original pleading, even though they give rise to a new cause of action or defense. An amendment may be made to conform the pleading to the evidence offered or admitted. 6. Defendant's rights will not be prejudiced by this change. 7. A Judge has not ruled upon any other issue in the within motion. The Defendant consents to having the Motion heard on the Briefs. WHEREFORE, Plaintiff requests this court to enter an Order granting leave to amend Plaintiff's Complaint. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: Benjamin J. Cav Taro, Esquire Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. SHARON L MORRISON Defendant NO.: 10-5080 Civil Action BRIEF IN SUPPORT OF PLAINTIFF'S MOTION TO AMEND CAPTION Plaintiff, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC filed suit against Defendant on or about July 28, 2010. Plaintiff requests that this Court enter an Order allowing Plaintiff to amend the caption hereto pursuant to Pa.R.C.P. No. 1033. WHEREFORE, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC, respectfully requests this Honorable Court grant Plaintiff's Motion to Amend Caption. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: -- Benjamin . Cava Taro, Esquire Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. SHARON L MORRISON Defendant CERTIFICATION OF SERVICE Civil Action I, Benjamin J. Cavallaro, Esquire, attorney for Plaintiff, certify that on July 18, 2012, I caused to be served a copy of Plaintiff s Order, Motion to Amend Caption, and Brief in support thereof by mail on: SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: Benjami J. Cav llaro, Esquire NO.: 10-5080 APOTHAKER& ASSOCIATES, P.C. ATTORNEYS AT LAW June 12, 2012 SHARON L MORRISON 243 MEALS DR CARLISLE, PA 17015-3183 RE: DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC v SHARON L MORRISON DOCKET NO.: 10-5080 OUR FILE NO: 275594 DEAR SHARON L MORRISON We would like the attached Motion to Amend Caption to be decided on the papers. Kindly advise if you consent to same. If we do not hear from you within twenty (20) days to the contrary, we will assume that you consent. Very truly yours, APOTHAKER & ASSOCIATES, P.C. N Benjamin J. Cavallaro, Esquire /TJ This firm is a debt collector. We are attempting to collect a debt and any information obtained will be used for the purpose of collecting the debt. 520 Fellowship Road C306, Mt. Laurel, NJ 08054 800 672.0215 800 757.4928f 856 780.1000 856 780.1020f 215 634.8920 215 634.8421f i DISCOVER BANK-BY ITS SERVICING AGENT DFS SERVICES, LLC, Plaintiff V. &OW NkL'1'"V%1xk IN THE COURT OF COMMON PLEAS OF THE NINTH JUDICIAL DISTRICT SHARON L. MORRISON, Defendant No. 2010-5080 CIVIL TERM IN RE: MOTION TO AMEND CAPTION RULE TO SHOW CAUSE AND NOW, this 24"' day of July, 2012, upon consideration of Plaintiff's Motion to Amend Caption, filed July 20, 2012,1 a Rule is issued upon Defendant to show cause why Plaintiff should not be entitled to amend the caption to reflect the proper name of the Plaintiff as Discover Bank. RULE RETURNABLE within 20 days from the date of service of this Rule. By the Court, Thomas A. Placey, C.P.J. ? Benjamin J. Cavallaro, Esq. Apothaker & Associates 520 Fellowship Road C306 Mount Laurel, NJ 08054 c For Plaintiff N 3> CD i V Sharon L. Morrison ?Cie -?- 243 Meals Dr. z• CD" Carlisle, PA 17015-3183 co Defendant, pro se ' This is the second of such motions filed by Plaintiff in the instant matter. Plaintiff withdrew the prior motion before the court's resolution on the merits. Our File No.: 275594 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney LD. #307949 520 Fellowship Road C306 Mount Lal~rel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK 13Y ITS SERVICING AGSM' DFS SERVICES, LLC Plaintiff vs. SHARON [. MORRISON Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY NO.: 10-080 Civil Action AMENDED MOTION TO MAKE RULE ABSOLUTE I . Plaintiff filed a Motion to Amend Caption on July 20, 2012. 2. The rule returnable date for said petition was October 3, 2012. ~. Plaintiff served the petition and corresponding rule to show cause on defendant~defense counsel on September 12, 2012 by snail. ~t. fo date, no response has been filed by defendant. 5. The concurrence of any opposing counsel of record was sought and could not be obtained. 6. ~]o judge has ruled on any other issue in this matter or any related matters. ?. Plaintiff requests that this Court enter an Order making the Rule Absolute. WHEREFORE, Plaintiff, DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES, LLC, respectfully requests this Honorable Court enter an Order making the Rule Absolute. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Ended in Debt Collection BY: _ Benjamin . Cav llaro, Esquire t ., \V~; DISCOVER BANK BY ITS SERVICING AGENT DFS SERVICES LLC, Plaintiff v. SHARON L. MORRISON, Defendant ~ ~ ~~. IN THE COURT OF COMMON PLEAS OF THE NINTH JUDICIAL DISTRICT 2010-05080 -CIVIL TERM IN RE: AMENDED MOTION TO MAKE RULE ABSOLUTE ORDER OF COURT AND NOW, this 20th day of November 2012, upon consideration of the Amended Motion to Make Rule Absolute, and it appearing that Defendant has failed to file a response of record, despite a Rule being issued on 24 July 2012, directing Defendant to file such a response, Plaintiff's Amended Motion is GRANTED. Distribution List: / Benjamin J. Cavallaro, Esq Thomas A Placey C.P.J. 520 Fellowship Road C306 -, Mount Laurel, NJ 08054 ~ ~ N ;~' ,. "' _ "~-~ r.,~ ....i / Sharon L. Morrison ~, .„~ .. 243 Meals Drive ~ ~~ a ~, ~~~~ Carlisle PA 17015-3183 ~~ ~ r , , 3> h ~ n -f; a. ~1~~' <~ f~~ ~ es rH ~~ ~-~- . a P -~