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HomeMy WebLinkAbout10-5396PM ao?o A0G I8 .? 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: 10 - 63Q(09 bvitTarw vs. JOSEPH HIXSON COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08458833 C A Pit EMR $Qa.oo Pp nTr/ e.y 4joQot q IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No JOSEPH HIXSON Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, DISCOVER BANK is a corporation with offices at 6500 NEW ALBANY ROAD NEW ALBANY , OH 43054 . 2. Defendant is adult individual(s) residing at the address listed below: JOSEPH HIXSON 917 THORNTON DR MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX4075 . 4. Defendant made use of said credit card and has a current balance due of $2176.53 , as of June 04, 2010 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 25.990% per annum on the unpaid balance from June 04, 2010 . A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 . 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for Judgment in its favor and against. Defendant , JOSEPH HIXSON individually , in the amount of $2176.53 with interest at the rate of 25.990% per annum from June 04, 2010 plus attorneys' fees of $125.00 , and costs. James armnroat,42524 WEL EINBERG & REIS CO., L.P.A. 436 S en h Avenue, Suite 1400 Pitts91 urg , PA 15219 (412)/43 -7955 FAX: 41 338-7130 0845 83 C A Pit EMR This law firm is a debt collector attemjbt/ng to collect this debt for our client and any information obtain ill be used for that purpose. Account Amount umber nclendoseir DISCOVER $0Now .00sal«ra $4Minimum 95.00 tne t Enter Payment Due Dole $ June 28, 2010 31 SD8NB401 0000683 JOSEPH HIXSOH 917 THORNTON DR MECHANICSBURG PA 17055-5752 GO PWwhm end men accourd IprMoomMbn moro Max--. pN md- LMniman at only you Con -cants. PO BOX 6103 Illurl6oollrrrdLlirrl CAROL STREAM IL 60197-6103 Go to www?pycvw? a ? in space abow. 000001986458999668235000000000000000049500 Dale: May 24, 2010 - Dale: D6cover Mom Card Account Summary Account number adirg in 4075 rMVk us Balance $2,176.53 Payments And Credos 2,176.53 Purchases + 0.00 Balarree Transkea + 0.00 Cash Advances + 0.00 roar" c6wp$ + 0.00 Odor Fees t + 0.00 31 "^ See Finance Charge Summary section lolavving Manwdkm for detailed APR Information Credit Line $1,800.00 Cado torn Avail" - $0.00 Cash Advance Credo Line $900.00 Cash Advance Credit Lim Available $0,00 t See transaction detail for a description of any fees charged ...............+.r..r.. Amkwswy Month December Opening Coshbock Bonus Balance 5 0.00 New Cashbaok Bonus This Period + 0.00 Co., .., s«M er.rr, $ 0.00 To Mom ¦om 69 in mwww.Dbmw "m ww! selw Rewards ALVr? peg- I of 1 Paymnt Informalion New Balance $0.00 Minimum Paymwt Dux $495.00 Payment Due Dab June 28, 2010 Leta hymen WerrA : IF we do not receive your minimum pwpw* by ** dote bred obaw, you may have to pay o kre fie of up to $39.00 and your purchon APRs for new transactions may be Incrawed up to Ow DefauM APR of 29.99% variable. Mao op Your Account 0Aw at www.D6ww A=n Sww* access b1h online and track and viieiw al and fise a" Inarwelk i s s mp y opaynd rwi mr ? ?warlh ? sm-find easy ways to eons NEM Access your account swur* IMough your m" owme 3 Easy Ways to Contact Us I . Access your aeocunt manly at wwwaleaver awn 2. Call 1.8000I3COVER 0.800.347-268 Please have your Discowracard ave>i. 3. Wrie to us at Diseowr PO Box 30943, Sall Lake City, LIT 841 ?0 For TDO (telecommunications Device for dw Dea9 assistance, please call 1400.347-7449. Transactions D r Dole by M and credos May 31 May 31 INTERNAL CHARBE.OFF $ -2,176.53 Finance Charge Summary current billing period: 8 days Ptdic R Nominal ag s $0 0.07121% 25.99% 25.99% $0 $0 C-sh $0 $0 0.07942% 0.07942% 26.99% 28.99% 28.99% 28.99% $0 $0 $0 50 V - Variable Role EXHIBIT ?.. r.e.r.. sees.. DISMVER kpwtm t bbadYoa. kth is mow #=aw pope b kde bOkp etatew6 en rM Oadr deedr peps for eddMorrd a kdaawkn. Snyorr Cwdmm*wApaewnt. Your CwdmwdwrAwswmd aorark 1 d ft w n of yawAamA Lod adda cok ReWbwedoW Cd 1111W4M M ft mV bCwdEmscrOAd=AbodYawBLkyyoauuWkyour bYNwraq, akyouroWn k*ff kmdvAaYraeeYaianyaorbO,wbbueaaa RadpgwdMow. 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FatTOD(TiboeamrwdedaM DwloatorMadl wmldrwa, pbw oak 110b9d7.7ML Dmsw may madbr andbr woad Mephorw ode bdwew you and Dbaaer rapeemrbkMSe br quaLy aemaanoe pepaees CMOP*0 wm*owd lsWNW by D BMWBank MnbaFDiC PAWO Niu,' 0WbpwAondw4&*dbModwdwdpwdmwfwwwncdgorywkh8wsmeplardCaehA*AMTrarWdOfnFV--'WOwpwdishwU"blw' epplbsbbcmkadwmwkwwadbrraahm ndBdrmoltwdwTmrwaaanfaeFlnweeClwrpwwNdrwaddedbkrappkakbbelrabwrlwboarbnabpary. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that he is James Ball (Name) Team Leader of DFS Services LLC , plaintiff herein, that (Title) (Company) he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. WWR# 8458833 Joseph Hixson X4075 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Discover Bank vs. Joseph Hixon "LED-OFFICE OF PIT PROTHONOTARY 2010 'E 2 I AM 9. 12 CUMB" 3LAND COUNTY Case Number 2010-5396 SHERIFF'S RETURN OF SERVICE 09/08/2010 01:25 PM - Gerald Worthington, Deputy Sheriff, who being duly sworn according to law, states that on September 8, 2010 at 1325 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Joseph Hixon, by making known unto himself personally, at 917 Thornton Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $37.00 September 10, 2010 GERALD WORTHINGT , DEPUTY SO ANSWERS, I? RONI'TY R ANDERSON, SHERIFF (c' Co?u?tyS?aite Snent7. Tsieesoff. Inr.. . ~~+~~ ~# ~.~-c ~= wc~ 2(3100Ci -~ Pfd (~~ 15 ~~y' {~~~ ~~~~~:k~~~ ~(;~~~`~' PRAECIPEFORLISTINGCASEFORARGUMENT '~ ~ ~ _ "~ ~ ~ ~"°~{~~` ~~ ~ `~ (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) CAPTION OF CASE ~~ ~~~ ~'" ~ --___._____~___.~__.___~__~__ (entire capfion m u sf in be sfa fe d full) ~ ~/ ~ ~/ \/ ~ ~ ~ ~~~11V'V~-~%1Ju ~"'- vs. ~1SQpI~ ~~xso~ No. ~ "' ~~ ~ I Term 1. State matter to be argued (i.e., piainti^fi~s,motion for new trial, defendant's demurrer to complaint, etc.)~'n~~,,~ LAS NI ~1 ~ ~~i .~1 A /~ ~~ ,~~ 2. Identify all counsel who will argue cases: (a) for plaintiffs: ~~~ ~"'~vc (b) for defendants: 2l ~ ~Y04V ~f ~', ~ ~ and 9 2)~' 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. ~.,.......,.... ~,...a ~...,.. Print~~~ 1111 / 1tI~I f O I ~ Attorn for Date: { INSTRUCTIONS: 1. Two copies of all brlefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR {nat the Prothonotary) after the case is reiisted. ~IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff(s) v. JOSEPH HIXSON, Defendant(s) Docket No.: 10-5396 Civil Term PRELIMINARY OBJECTIONS TO COMPLAINT Filed on Behalf of Defendant Counsel: The J. Murphy Firm 210 Grant Street, #301 Pittsburgh, PA. 15219 (412)521-2000 Ashley M. Derr, Esq., Esquire Pa. Supreme Court I.D. 306604 ~~ c~ -~-~. . ~; ~~ -~~.. r--- .~ -~~ ~a -=~ r-, __ ~~ __, ~- ;~ c~-,, n r., -'' -°~ ~~ ~, --+ ~ _~.- -r, ~~ -~~ ~~ ~IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff(s) Docket No.: 10-5396 Civil Term v, JOSEPH HIXSON, Defendant(s) CERTIFICATE OF SERVICE I, Ashley M. Derr, Esq., counsel for the Defendant in the above captioned matter, do solemnly swear that the foregoing PRELIMINARY OBJECTIONS TO COMPLAINT B IEF IN SUPPORT OF PRELIMINARY OBJECTIONS TO COMPLAINT MOTION/REQUEST/PRAECIPE FOR ARGUMENT were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below: James Warmbrodt, Esq. Weltman, Weinberg and Reis Co., LPA 436 Seventh Avenue, Suite 1400 Pittsburgh, Pa 15219 Respec~,fully Submitted, Ashl~ M. Defr, Esq. Wed esday, September 29, 2010 ~IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff(s) Docket No.: 10-5396 Civil Term v. JOSEPH HIXSON, Defendant(s) PRELIMINARY OB]ECTIONS TO COMPLAINT And now comes the Defendant, by and through counsel, the J. Murphy Firm and Ashley M. Derr, Esquire, and files the following Preliminary Objections, averring in support thereof as follows: OB]ECTIONS TO CONTRACT CLAIMS 1. The Complaint references a credit agreement or contract. 2. However, the Complaint does not contain an averment as to whether said agreement is oral or written. 3. The foregoing constitutes a violation of Pa. R.C.P. 1019(h), as amended, which requires that "when any claim or defense is based upon an agreement, the pleading shall state specifically if the agreement is oral or written." 4. Accordingly, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. 1028(a)(2) for violation of Pa. R.C.P. 1019(h). 5. Although the Complaint references a credit agreement or contract, no copy of the alleged agreement or contract is attached thereto. 6. The foregoing constitutes a violation of Pa. R.C.P. 1019(1). 7. Accordingly, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. 1028(a)(2) for failure to comply with Pa. R.C.P. 1019(1). OBJECTIONS DIRECTED TOWARD LACK OF SPECIFICITY 8. Pa R.C.P. 1019(f) requires, inter aiia, that items of special damage be pled with specificity. 9. In the context of a credit card case, items of special damage, which are to be specifically pled, include the dates and amounts of charges, fines, fees, interest and the like. 10. In credit card cases, the requirements of Pa. R.C.P. 1019(f) are typically satisfied by attaching copies of an uninterrupted chain of credit card statements, starting with a zero balance and ending with a statement showing the amount sought in the Complaint. 11. It is respectfully submitted that neither the Complaint, nor the documents attached thereto, specifically plead the items of special damage underlying this case. 12. Therefore, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. 1028(a)(20, for failure to comply with Pa. R.C.P. 1019(f) and Pa. R.C.P. 1028(a)(3), based upon insufficient specificity. WHEREFORE, Defendant respectfully requests that PlaintifF's Complaint be dismissed with prejudice or, alternatively, that the Complaint be stricken, and the Plaintiff be required to plead over in accordance with the Pennsylvania Rules of Civi! Procedure. Respectfully Submitted: A ley M. Derr, Esq. PAM Z01t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, V. JOSEPH HIXSON, Defendant. Case No.: 2010-5396 4?? N : Z: ,. F a ? ?xCD f ORDER On this day of ? , 2010, it is hereby ORDERED that Plaintiff s Complaint is stricken. Plaintiff may file an Amended Complaint within One hundred twenty (120) days. If Plaintiff fails to file an Amended Complaint within 120 days, the Prothonotary, upon praecipe of the Defendant, shall dismiss this case with prejudice. BY THE COURT: / CO TED T NTRY OF THE ABOVE ORDER v ?. i, Rib 0 . V ley M. D , Esquire ? d 1 if Be i ler, Esquire r_ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK, Plaintiff, V. JOSEPH HIXSON, Defendant =M r"n crs ? ?c) ?= cs NO.: 10-5396 CIVIL TERM TYPE OF PLEADING: AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff -.A -v 77 CID co C-J -, ?t Sarah E. Ehasz, Esquire PA I.D. 86469 WELTMAN, WEINBERG & REIS CO., L.P.A 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 1521.9 (412) 434-7955 WWR:8458833 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff vs. Civil Action No. 10-5396 CIVIL TERM JOSEPH HIXSON, Defendant AMENDED COMPLAINT You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER. THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD ST CARLISLE, PA 17013 AMENDED COMPLAINT Plaintiff is DISCOVER BANK, a corporation with offices at c/o DFS SERVICES, LLC, 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054-0000. 2. Defendant, JOSEPH HIXSON is an individual residing at 917 THORNTON ST, MECHANICSBURG, PA 17055. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. COUNT I-BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. Defendant submitted an application to the Plaintiff requesting that the Plaintiff issue the Defendant a DISCOVER BANK credit card. A true and correct copy of the Defendant's telemarketing application is attached hereto and made a part hereof as Exhibit "1." 6. Thereafter, the Plaintiff made an offer to the Defendant to open a credit card account by mailing a DISCOVER BANK credit card, bearing account number XXXXY.XXXXXXX4075, along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a parthereof as Exhibit 642.95 7. Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to purchase goods, merchandise and services, and transfer balances. 8. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 9. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from November, 2003 through May, 2010 are attached hereto and made a part hereof as Exhibit "3." 10. Throughout the term of the account the Defendant was sent updated written terms and conditions for the account, with the most recent applicable terms attached hereto and made a part hereof as Exhibit "4." 11. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 12. Defendant made periodic payments on the account with the last payment made on the aforementioned account occurring on October 9, 2009 in the amount of $100.00. 13. Defendant has breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 14. The balance due and owing to the Plaintiff on the aforementioned credit card account as of June 5, 2010 is $2,17653.. 15. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 16. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. 17. The Plaintiff avers that the "Default Acceleration - Collection Costs" provisions of the cardholder agreement provides that he Defendant will pay Plaintiff s reasonable attorney fees. 18. Plaintiff avers that such reasonable attorney fees shall amount to $125.00. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, JOSEPH HIXSON in the amount of $2,176.53, with interest at the rate of 25.99% per annum from June 4, 2010, plus costs and attorney's fees in the amount of $125.00. COUNT II-UNJUST ENRICHMENT 19. The averments contained in Paragraph 1 through 18 above, are incorporated herein by reference thereto as though herein set forth at length. 20. Defendant has used her DISCOVER BANK credit card to purchased goods, merchandise, and services. 21. By making use of said card, the Defendant has had a benefit conferred upon her through the use and enjoyment of those goods, merchandise and services purchased. 22. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit "3," and as such has improperly retained the benefit(s) conferred upon her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, JOSEPH HIXSON in an amount not to exceed the arbitration limits. Respectfully Submitted, i tv 41/, ? Sarah E. Ehasz, Esquire PA I.D. 86469 WELTMAN, WEINBERG & S, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 8458833 EXHIBIT "1" T no.-io<nn- u DOyCmDD O Z m70 r- r- rr 0 m6, e m --1 Z < " -1 0 tl O Ong rl+m M -? no 1 P D ?' N tl ceO Zz< to ? o t '- n V0 DD --4r I -4 NN ?? .. 0 r V `+ N ?• y JO I1 3 V ? ? 1 -4-m = LA (A ( A n o P o D ?3 C r V1 to m n r o r m o W r v m 7 4 (A 4 0 -4 m 2 m a L ? .+ X m -? 2 r ?+ D O 1l X y z -4 O z N V N N v a o V y X D z,P ?voc n z DD mAf p r= A D, C -i 0 r m m .X ? m .c Mc co m m v70 D N T A. -4 1 X o u W m IT L" m X w o -oc v o z .- r X Gl W o \ C - o ? a 2 ? Z La V P NPe 1* La tA a- Ob 70 4(4 A Z JT ?1 y 0- 4m 70 v 2 0 w 0 0 z m O m 8458833 ----- 2Pynv --- yD --- --- --- ---- ---- 0 0<X VC Vn DD Mr- 000 0 = X tl0 D m = a : -? < ? -( ° 0 r - c rnm m y0 n'-4 0 W CA Z m A y 1PAV mt N m M •• a r ? -i O z r -. D o z; m -+ M W 7C T O v A «. Z D N JO D Z Oo y y r tl 3 o N Z D D I tl P N. r -i tl m m ?u r m ? ? D y ZZ y y T j p n JO 2 _ D ? D Z z 'I i c? v m O y S r Z D X 41 O 2 i y c m x U! T X D G1 y m D f<< 2 v D m o a`D oZ- r 7{7 7{ S A t_7011 p:pCC Z -1 tl m-m P w u?+ w ... r iT EXHIBIT "2" DISCOVEKCLASSIC ` f IMPORTANT INFORMATION ABOUT YOUR ACCOUNT CARDMEMBER AGREEMENT The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Acceptance of Agreement" section ........................ SEE PAGES 1 - 14 PRIVACY POLICY 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 ......... SEE PAGES 14 - 17 BILLING RIGHTS Important information about your rights and our responsibilities under the Pair Credit Billing Act ..... ..............................SEE PAGES 17-19 CASHBACK BONUS* TERMS AND CONDITIONS The terms and conditions of the Cashback Bonus° award program, including a description of how your award is calculated and how to redeem it.......... .............................SEEPAGES 19.21 DESCRIPTION OF COVERAGE The terms and conditions of the Scheduled Air Travel Accident Insurance that is provided at no charge to you when you use your Card to purchase airline tickets ....................... SEE PAGES 21 - 24 ® 2003 Discover Bank, Member FDIC 304001.0403TL14 e I? CARDMEMBER AGREEMENT Please read this Agreement, carefully before using your Discover' Card Account., It coptalos the terms and conditwns of your Account, some of which may have dwngid from ea filer materials. provided to you In the event of any differences, this Agreement shall control. . Sea the We respect your I Police for dion? b forormatlon Section on page 10 and our Privacy The Arbitration of Disputes Section on page 12 Includes a waiver of a number of rights, including the right to a Jury trial. CARDMEMBER AGREEMENT Agreement Terms .................................. 2 Acceptance of Agreement ............... .......... 2 Use of Your Account ................................. 2 Authorized Users ................................... 3 Unauthorized Use .................................. 3 Credit Limit-Available Credit .......................... 3 Promise to Pay ....................................... 4 Monthly Billing Statement ................ ........... 4 Monthly Payment Options ................ , ........... 4 Minimum Monthly Payment .......................... S Credit Balances ..................................... 5 Balance Transfers ................................... 5 Finance Charges ..................................... S Periodic Finance Charges ................ .......... 6 Default Rate Plan ................................... .8 Cash Advance Transaction Fee finance Charges ........... 8 Balance Transfer Transaction Fee Finance Charges .......... 9 Minimum Finance Charge ............................ 9 Returned Check Fee.' ................................ 9 Returned Discover Card Check Fee .......... ........ 9 Stop Payment Fee ....................... ........... 9 Late Fee .... ................................... 9 Pay-by-Phone Fee .................................. 10 Research Fee ...................................... 10 OveriimitFee ....... .................. ......... 10 Default-Acceleration-Collection Costs ................... 10 Cancellation ................... ... ............ 10 Privacy ...... ........... ................... 10 Electronic Communications ........................... 11 Credit Authorizations ................................ 11 Change of Terms .............. .. ............ 11 Change of Address .......................... ... 12 Assignment of Account ................. ..... 12 Arbitration of Disputes .................... ...... 12 Compliance with interest Rate Limitations ......... :... . . 13 Governing Law .................................... 13 _t_ AGREEMENT- TERMS. The Word "Account" means your Discover Card Account. The word "Card" means any one of more Discover. Cards issued to you or someone else with your authorl- za4ion. The words "you", "your"; or "yours" refer.-to; in addition to you, the Cardmember, any other person- or. persons who are also contractually Ilalfle under this Agreement. The word's "we", "us" and' "our refer to Discover Bank, the issuer of your Discover Card. The words. "Authorized User" • mean any person whom you authorize to use ydur Account or a card, whether you notify us.. or not. The, words "Pricing Schedule" mean the document accompangrig your Card and listing the Finance Charge rates that app y to your Account. The Priang Schedule is part of this Agreement ACCEPTANCE OF 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 provision on page 12. Your may, however, 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, P.O. Box 30938, Salt Lake City, UT 84130-0938. If you were previously subject to arbitration with respect to any Account, this right to reject arbitration will not.apply to you in the extent that the Account has been reopened'or replacefnent Cards are sent to you. Your rejection notice must include your name, address, telephone number, Account number and siggnature and must not be sent with a other correspondence. Calling us to indicate that you reject I. Arbitration of Disputes. section or sending a rejection notice in a manner or format that doe 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. Re Ion of arbitration will not affect your other rights or:responslblimes under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate d'' utes. if you do not send a rejection notice you will be obligated by the Arbitration of Disputes section wit 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. USE 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. • Cash Advances - to qbtain cash advances from participating automated teller mltchines, financial institutions or other locations, or by means of checks which we may furnish to you, all In accordance with such additional terms and conditions as may be imposed 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 andpconditions 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 -2- guaranteed reservations that are not canceled prior to the time specified by the establishment Your Account•may be used for personal, family, household and charitable purposes. Your Account may not be used to obtain loans to purchase, carry or trade in securities, or to, pa any amount you owe under this Agreement ("Prohibited Transactions"). Prior to its use, each Card must bes?gned by the person to whom it is issued. We are not responsibie for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you: You must return any Card.or unused checks to us upon request If a merchant fails to provide your purchase to your satisfaction and, at your request, we issue a credit to your Account, 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. Your rights and responsibilities under the Fair Credit Billing Act described in the billing rights summary, on pages 17-18 and on the back of your monthly billing statement apply only to credit card transactions. This special rule for credit card transactions does not apply to purchases made with a balance transfer check or cash. advance. Therefore, if you have a problem with the quality of goods or-services that you purchased with a balance transfer check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment. of the amount due. 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 in writing or by telephone and destroy any-Card in that person's possession. None of your rights under this, Agreement (other than to pay amounts owed) may be'exeresed by any person not a party to this Agreement acting pursuant to a wer of attorney, without our separate written agreement (whipoch we are not obligated to give). UNAUTHORIZED USE. If a Card is lost or stolen, or If you think that someone is using your Account or a Card without your permission, notif?yy as immediately. You can notify us by telephoning 1.806-DISCOVER (1-800-347-2683), or by writing DISCOVER CARD, PO Box 15156, Wilmington, DE 19$86.1002. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our investigation. If our records indicate that you have enrolled in an automatic billing arrangement, such as a monthly gym membership, we will attempt to provide your view Account number to that merchant. However, if you no longer wish.to continue the automatic billing arrangement, you must contact the merchant directly. CREDIT UMITAVAILABLE CREDIT. We will advise you of your Account credit limit. We may impose a lower limit that will apply to cash advances, referred to as the cash advance credit limit. You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Account credit limit. If you exceed your Account credit limit, we may request immediate -3- I payment of the 'amount by which you exceed your Account f credit limit. We may increase or decrease your Account credit limit or your ?. cash advvance credit limit without notice. The credit available for our use may, from time to time, be less than your Account credit limit. 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 amountof'any credit balance. PROMISE TO PAY. You agree to pay us in U.S.'Dollars for all purchases, cash advances and balance transfers inciuding 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. We will convert purchases and cash advances made in a foreign currency to U.S. Dollars at a rate existin on the date of conversion. If you pay us in other than U.S. Dogam i we may refuse to accept the payment or charge your Account our cost to convert-your paymentto U.S. Dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash i? advance check, balance transfer check or coupon, or. arty 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 individual lyy and jointly for the entire amount owed on your Account. We can accept late ps ants on partial 'paa men a y or-with checks and-money orders marked °payme other restrictive endorsement without losing any of our rights under this Agreement. MONTHLY BILLING STATEMENT. Unless we waive our right to do so, we will send you a billing statement after each monthly billing period in which you have a debit or credit balance of $1.00 or more. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other ` charges or fees and all pa or other credits posted to your Account during . the bill nl g period. it will show your New i Balance, Minimum Payment Due and Payment Due Date. MONTHLY PAYMENT OPTIONS. You may at any, time pay the entire New Balance shown (r your billing statement, but each month you must pay at lei the Minifium Payment Due. All payments must be made in accordance with the terns; including the payment cutoff time, stated on your monthly billing state- meet, and we will credit your Account in accordance with those terms. In 'addition, we reserve the right to change those terms the without prior notice. We wJll apply ' aymants and those terms New Balance shown on your current billing statement. in order of the Annual Percentage Rate applicable to the balance of each transaction category (as referenced In the Periodic Finance Charges Section), 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 -a- k when there are two initial special rates applicable to your Account and the lower Annual Percentage state will expire i before the higher Annual Percentage Rate, MINIMUM MONTHLY PAYMENT. The Minimum Payment Due each month will be the sum of any amount past due and the minimum monthly payment The minimum monthly eacalahncemonthroundedt, will beo thee greatnextherighe of $10.00 or 1/50th f payment Ne* rwhole dollar amount the B if . any ANNUAL PERCENTAGE RATE applicable to your Account is greater than 22.99%, your minimum monthly payment will be the greater of $10 or 1/45th of the New Balance, rounded to the I next higher whole dolor amount. Regardless of the Annual I Percentag Rates on your Account, If the Nev Balance is less than $10. b, the minimum monthIy ( of the New Balance. Paying the Minimum pay imei ntDue may be insufficient to bring your Account balance below your Account conse thedel jjroit Fee escrl ?ninmay °t avoid the imposition of from time to time allofw, you to the not maketa minimum monthly notl akenadvanand tagewill of this offer andt do not make is 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. j CREDIT BALANCES. We will refund any credit balance within i seven business days from receipt of your written request. if you I do not request a refund,. we will automatically refund credit balances greater than $1.00 which remain In your Account after j two billing periods. BALANCE TRANSFERS. We may periodical Iy offer you the • tunity to transfer balances from other ccedltors or to make otheoppoir transactions to your Account. b 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 Rate Plan 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 asspecial rate balance transfers; balance transfers for j i which the initil 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 a check after the expiration date, we will treat the tranby means of sactlon as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. FINANCE CHARGES. You can avoid y Charges on new purchases if you pay the New Balance Periodic on th Payment Due Date, e billing statement on which the purchase first appears by the the Pa ments and statement equal or exceed your I reviious Balance. We call this -5- j the " race 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 w€th the date the transaction occurs. PERIODIC FINANCE CHARGES. Periodic Finance Charges are I imposed on all transactions until, the . date of repayment. i Repayment means payment of your entire New Balance. However, if you pay the New Balance shown on the current 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 first appearing on the current statement. Otherwise, you will receive a billing I statement the next month that includes Periodic Finance Charges imposed until the date of repayment. We compute Periodic Finance Charges each day for purchases, cash advances, and balance transfers (which we refer to as transaction cate orles) by using the following equation: Average Daily Balance x.number of days in the billing period x Daily Periodic Rate. (You may refer to the finance charge summary on the front of your billing statement for these amounts.) Then we add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges i for your Account. The Average Daily Balance is shown as zero if no Periodic Finance Charges apply to the balance in a transaction category. We use the two-cycle average daily balance (inducting 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, 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 our previous billing statement. We compute the average daily l balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and i dividing the total by the number of days in the billing cycle. We compute the daisy 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 then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In caiculating 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. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance of the balance transfer transaction category. Balance transfers that were subject to an initial special rate that has been terminated due to a late payment or because your outstanding Account balance exceeded your Account credit limit are also included in this category until the initial special rate otherwise would have -6- expired In calculating the daily balance of the balance transfer transaciign 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. 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 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. (1) Rate Plans The Daily Periodic Rate and corresponding Annual Percentage Rate that apply to each transaction cat Js either a fixed rate or a variable rate as set forth in your Pricing Schedule. The Daily Periodic Rate is 1/365th of the corresponding Annual Percentage Rate. The variable Annual Percentage Rate for a transaction category is determined by adding a specified number of percentage points to the Prime Rate. This is. shown on the Pricipp Schedule as "Prime + (percentage points)." For purposes of'this Agreement, the Prime Rate is the highest rate of interest listed i as the "prime rate" in the money rates section of The Wall Street I Journal on the last business day of the month. The Prime Rate is i merely a pricing Index and does not represent the lowest or best interest fate available to a borrower at any bank at any given tirbe, Your Annual Percentage- Rate will Increase or decrease i when the Prime Rate changes. This change, will be effective beginning on the first day of the billing period that begins during the same month as the change in the Prime Rate. (2) Annual Percentage Rate for Purchases We may have offered you an Introductory rate on purchases. The 1 introductory rate is the Annual Percentage Rate that will apply to purchases for the time period specified in the offer, subject to the Default Rate Plan Section. After expiration of this time rlod, the Annual Percentage Rate for purchases will apply. The Daily Periodic Rates and corresponding Annual Percentage Rates in effect on the date this Agreement is furnished to you_are set forth In the Pricing Schedule. (3) Annual Percentage Rate for Cash Advances The Daily Periodic Rate and corresponding Annual Percentage Rate in effect on the date of this Agreement is furnished to you are set forth in the Pricing Schedule. (4) Annual Percentage Rate for Balance Transfers The Daily Periodic Rate and corresponding Annual Percentage _ Rate In effect for special rate balance transfers will be set forth In the offer from us under which you make the balance transfer. As indicated in the Balance Transfers Section above, purchase -7- rate balance transfers will be subject to the Daily Periodic Rate and corresponding Annual Percentage Rate that apply to purchases and the Default Rate Plan Section. The Daily Periodic Rate and corresponding Annual Percentage Rate in effect on the date this Agreement is furnished to you are set forth in the Pricing Schedule. DEFAULT RATE PLAN. We will review your Account on the last day of each billing period to determine the Annual Percentage Rates that will apply to your Account. In reviewing your Account, we will look at the current billing period as well as the previous eleven billing periods. Any increased rate described below will apply beginning with the first day of the billing period in which we review, your-Account If we. did not receive a required payment by the Payment Due Date during the billing period in which we review your Account, then any initial special rate on balance transfers and any Introductory or promotional rate on purchases that currently applies to your Account,_ and any such rate that we have previously offered to you, will terminate and the standard Annual Percentaagge Rate-for purchases will apply to your balance of balance transfers and purdhases as well as any introductory or promotional rate on purchases and any initial special rate on balance transfers that we have previously offered to you. In is less than 19.99% and during the immediately preceding eleven billing periods we did not receive a required payment by the Payment Due Date, then the Standard ANNUAL PERCENTAGE RATE for purchases will'be increased to 19.99% (a Daily Periodic Rate of .05477%). if our outstanding balance exceeds your Account credit limit as ofythe .day we review your Account and your outstanding balance exceeded your Account credit limit as of the last, day of any. .billing period in the immediately preceding eleven billing periods, then any initial special rate on balance transfers and brry Introductory or promotional rate on purchases that currently applies to your Account, and any such rate that we have previously, offered to you will terminate and the standard Annual Percentage Rate for purchases will apply to the balance of your balance transfers and purchases as well as anyy introductory or promotional rate on purchases and any inal special rate on balance transfers that we have previously offered to you. If the standard Annual Purchase Rate for purchases is less than 19.99%, then the standard ANNUAL PERCENTAGE RATE for purchases will be Increased to 19.99% (a Daily Periodic Rate of .05477%). If your standard ANNUAL PERCENTAGE RATE for purchases is less than 24.99% and during the current and immediately preceding eleven billing periods you either failed three times to make a required payment when due or exceeded your, Account -credit limit three times as of the last day of a billing period, then the standard ANNUAL PERCENTAGE RATE for purchases and for cash r advances will be increased to 24.99% (a Daily Periodic Rate of .06847%). CASH ADVANCE TRANSACTION FEE FINANCE CHARGES. We will charge you a Cash Advance Transaction Fee Finance Charge of 3% of the amount of each hew cash advance. There Is a i minimum Cash Advance Transaction Fee FINANCE CHARGE of $5.00 and no maximum Cash Advance Transaction Fee FINANCE t CHARGE. The imposition of Cash Advance Transaction Fee Finance Charges may, result in an Annual Percentage Rate for cash advances that is hi her than the nominal Annual Percentage Rate. All forms of cash advances, inducting 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 the cash advance transaction category... . BALANCE TRANSFER TRANSACTION FEE FINANCE CHARGES. If i the balance transfer offer you receive contains a Balance Transfer Transaction Fte 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 i ' Finance Charges calculated under the Periodic Finance Charges section for the balance transfer transaction category. MINIMUM FINANCE CHARGE. We will charge you a minimum FINANCE CHARGE of $.50 for any billing petod in which some FINANCE CHARGE of less than $30 would otherwise be imposed. RETURNED CHECK FEE. We will charge you a Returned Check Fee of $29.00 each time you pa us with a check 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 Check Fee of $29.00 each time we decline to honor a Discover Card cash advance check, balance transfer check or other promotional check. STOP PAYMENT FEE. We may charge a Stop Payment Fee of advan each. time balance otranfer payment check? or other promotional check. LATETEE. 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 by that date. The amount of the Late Fee is based on the sum of all outstanding purchases, cash Chabalance rges at the end transfers, the other billing period. other If the sum Finance advances, Is less -9- i than $100, the Late Fee is $15.-If the sum is equal to or greater than $100, and less than $1,000, the Late Fee is $25. If thtsum is equal to or greater than $1,000, the Late Fee is $35. 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 $5.00 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. f OVERLIMIT FEE. We will charge you an Overlimit Fee each time that, .as of *.the close of a -billing period, your outstanding Account balance exceeds your Account credit limit. This fee may be charged even If the transaction which causes you to exceed your Account credit limit is authorized by us or if you exceed i your Account credit limit due to the posting of Finance Charges or fees to your Account. The amount of the Overlimit Fee is j based on-the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges itthe end of the billing period. If the sum is equal to or less than _ 1,000, the Overlimit Fee Is $15. If the sum is greater than 1,000; the Overlimit Fee Is $35. ! DEFAULT-ACCELERATION-COLLECTION COSTS. 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 'u; 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; or i if you -fall to comply with the terms of this Agreement, including falling to make a required payment when due, exceeding your Account credit limit, or using. your Card or Account for a Prohibited Transaction. 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 recovery an aorney to you owe eus,, we mayitche geryou reasonable attorneys' fees and court or other collection costs as permitted by law and as actually incurred by us. 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. 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, each, of you may cancel your Account. 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. PRIVACY. 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 -10- E 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 Poles weamaye report indicated agencies our creditors the status and payment .history of your Account, including negative vedit information. We normally. report to such credit reportinx agencies each month. if you Weyepithat please write us at thecfcollo ,ir ddre Dis over Card, Pb Box 15316, Wilmington DE 19850-5316. Please Include your name, address, home telephone number and Account number. We may from time to time review your credit, employment and cal s between you Our personnel may listen to and our representatives Inrorretd der to evevaluattee the quality of our service to our Cardmembers without notice to you. We may use any medium, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, and e-mail 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, call us.at 1-800.225.5202 or write to us at Discover Card, P.0. Box 30961, Salt Lake City; UT 84130-0961. 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 busier on your Account, and any other parson with your prior permission, In addition to as provided in our Privacy Polity or as unauthorzed nquiriesc y u agreeethat we iwilll enotibe responsible for the release of information to anyone who, even if without your authorization or permission,' has gained pogeWon of a Card or has learned other Identifying number Atco ntnu omber or social security n oumberhMiflcatlon ELECTRONIC COMMUNICATIONS. We may offer you the r tper tha tthr eceive ugh the?m ail,oincclluding' month yr billis conhdh ifions for receiving these electronics ommunceatio ?s will bng e described in the offer. CREDIT tran authori aton pOri?or tlo 0conpletion of the trransactionQ nrsome cases, yyou may be asked to provide identification. if 'our authorizeta trannssactioin. We will notgbelili bleto you if any of these events happen. CHANGE OF TERMS. We may thane any term or part Agreement, including any finance charce rate, fee or method of computing any balance upon which t6i finance charge rate is assessed, or add any new term or pt to the sending you a written or electronics if y deliveredno w as 15 days before the change Is to bacons 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 -tt- that date, If you do not agree to the change, you must notify us In writing or electronically within 15 days after the mailing of I 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 "ad to the charges 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. CHANGE OF ADDRESS. If you change your address you must notify us of your new address within 15 days. 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 IIII our prior written consent. ARBITRATION OF DISPUTES, in the event of any past, present. or future claim or dispute (whether based upon contract, tort, i 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 Account or the enfo ceability or r cs ope which of result 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 ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. 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'lawsult and nothing undertaken therein shall constitute a waiver R 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, so Iong as the claim is pending only in that court and does not exceed $5,000.00. 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 JAMS/Endispute (JAMS) 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 JAMS at 1920 Main Street Suite 300, Irvine, CA 92614 (phone 1- 800-352.5267) or NAF at P.O. Box 50191, Minneapolis, MN S540S (phone 1-800-474-2371). At your written request, we will advance any arbitration filing, administrative and hearing fees i 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 P.O. Box 15192, Wilmington DE 19886-1020. The arbitrator will decide who will ultimately be responsible for paying those fees. In no event will you be required to reimburse j us for any arbitration filing, administrative, or hearing fees in an I amount greater than what your and our combined court costs would have been if the claim had been resolved in a state court with jurisdiction. In no event will you be required to pay any fees j or costs incurred by us in connection with an arbitration pro- ceeding where such a requirement Is prohibited by law. Any arbitration hearing will take place in the. federal judicial district j where you reside. The arbitrator shall'follow applicable sub- stantive law to the extent consistent with the FAA and appli- cable statutes of limitations and shall honor claims of privilege recognized at law. If requested by any party, the arbitrator shall write an opinion containing the reasons for the 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 $100,000.00, any party may appeal the award within 30 days to a three-arbitrator panel;•whlch shall review the award de novo. The costs of such an appeal shall be borne by the appealing party regardless of outcome. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our. parent corpo- rations, subsidiaries, affiliates (including, without limitation, Discover Financial Services, Inc.), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing In a claim which is subject to this arbitration provision. Your rights and obligations undet• this 'arbitratiori prrovision shall inure to the ' benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. This arbitration provision shall survive termination of your Account as well as voluntary payment in full by you, any legal proceedings by-tis• to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account, 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 iaw. 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 will be governed by the laws of the State of Delaware and applicable federal laws: If any part -13- of this Agreement becomes unenforceable, it will not make any other part unenforceable. Discover., Bank DISCOV6 CARD Vice President PRIVACY POLICY We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace of mind knowing that your privacy Is secure. 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. • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our PrivaPoli carefully. It will help you under- stand how we collect and share information. t. 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, 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 domain name, your computer's operating system and Web browser, your Web site use and your product' and service preferences from your visits to our Web sites. -14- 2. Is Personal InformatioQ 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 roduct 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 4etalied below. We require these companies to adhere to our, pprivacy. 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 We are part of the Morgan Stanley family of companies. Our corporate family offers a wide 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 mortgage lending services, securities and asset management services, investment opportunities and mutual funds, and may Include non-finandai service providers in the future as our corporate family continues to grow. b. Sharing Personal information with Non•Affillated 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 -1s- research and data processIN; 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. Integrity Of Information About You? e Protect The Yoi ntiallty, Security And 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 .k in order to service your Account or provide products and services to you, and who are trained in the proper handlingg of such information. Employees who violate these tonfidentiailty 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; P.O. Box 30943, Salt Lake City, PT 84130.0943 so , that we can update this information. 4. Now 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. If you prefer that we not share the information we collect about you, as described in Section 1, with non-aff Meted third parties or if you prefer that we not share that information with companies In our corporate family, yyou may opt out, that is, you may direct us not to share that mforma#lon. If you indicate a preference that we do not share that information, please understand that you will not receive offers for products and services provided by other companies that could help you lower your costs, maximize your financial resources and manage your finances. To indicate your preferences, call us at 1.800-225.5202 or write to us at Discover Card, P.0. Box 30961, Sak 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 the information we collect about you, except as permitted by law. For example, federal law permits us to share information about you with consumer reporting agencies, service providers and marketing partners. It -16- i ! also permits unto share information about our experiences and transactions with you; such. as your Account balance and payment history, with other members of our corporate family. If you are anew -Cardmember,..We will not share any Inf r tioonn about you, except as permitted by law, for thirty days after provide this Policy to you ih 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 rouest. This Privacy Policy is provided to the primary Cardmember listed on the Account. However, any joint Cardmember has the right to notify us about preferencei.and we will treat that request as applying to the entire Account., We,do not share information about former customersM1 except as Ofmitted bylaw. This Privacy Poll ccyy is provided to you by Discover Bank and Its subsidiaries, which.. currently include GTC Insurance Agency, Inc. It applies to the Discover Platinum, Discover Gold, Discover I Classic, Discover Private Issue"', Discover Titanium Cards, and the products and services offered in connection with* those cards, including The Register* card registration service (with the ! exception of any information registered in connection with the i 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 nbte that you will also receive privacy notices for other credit card accoynts 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 I disclosed in the notice. Vermont and North Dakota Residents - Your State laws require 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- i affiliated third parties or, if you are a Vermont resident, with companies in our corporate family unless.you tail us at i-WO- DISCOVER and authorize us to do so. 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. Y 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 _n_ 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 lim 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 a g 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 pa 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 tolled 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: -t8- k I , I' (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 j merchant, or If we mailed you the advertisement for the goods or services. DISCOVER° CARD CASHBACK BONUS* PROGRAM TERMS AND CONDITIONS The Cashback Bonus° Terns and Conditions constitute a separate and independent agreement -from the' Cardmember Agreement and apply to Accounts that participate In the Cashback Bonus Program. However. these Terms and Conditions are subject to the Arbitration of Disputes section of the Card- member Agreement, which Is Incorporated herein. 1. Cashback Bonus awards are amounts denominated In dollars and cents which may be accrued by Cardmembers by using their Discover' Card for qualified purchases. Cashback Bonus awards include Traditional Cashback Bonus awards and other Cashback Bonus awards as described below: Cashback Bonus awards are not accrued for Prohibited Transactions (as defined in the Card- member Agreement), cash advances or balance transfers.. 2. Traditional Cashback Bonus amounts are calculated based on purchases made during an annual period corresponding to the Cardmember's anniversary year as- described In paragraph 3 below. The first anniversary year begins on the date the Card is issued and ends on the last day of the twelfth monthly billing period which follows. Each successive anniversary year Is the approximate one-year period comprised of the next twelve monthly billing periods. 3. Except as provided below and in paragraph 4 below, the accrued amount of a Traditional Cashback Bonus award is calculated by muttip)ying the total qualified purchases at the end of each billing period by: • .25%(.0025), if the purchases are part of the first $1,500 in purchases during the anniversary year, or, if the purchases are made at select warehouse clubs or4iscount stores, and • .50% (.9050), if the purchases are part of the second 51,500 in purchases during the anniversary year, and • 1.0% (.01), if the purchases are part of the purchases in excess of $3,000 during the anniversary year. Any purchases made at select warehouse clubs or discount stores will be Ineligible for a Traditional Cashback Bonus" award in excess of .25% (.0025) of the amount of the purchases. However, -19- these purchases will continue to be included in the total amount of purchases made during the anniversary year and used to determine the applicable percentage rate listed above,for other purchases. Please call t-800-347-7896 or visit our Web site at Discovercard.com for a list of 'these select Warehouse clubs and discount stores. The total of these calculations for each anniversary year is the accrued amount of the Traditional Cashback Bonus award. The accrued amount of the Traditional Cashback Bonus award will be made available to Cardmembers as described below provided the conditions contained in paragraph 5 below are met. The calculation for the Traditional Cashback Bonus award begins again with the beginning of 'each anniversary year. 4. Cardmembers may also be offered, from time to time, other Cashback Bonus awards (i.e., by making a purchase at a specific merchant), the terms of which will be disclosed in the offer. These purchases will receive the award amount described in the offer. They will not be considered qualified purchases for purposes of determining the annual level of purchases and calculating the Traditional Cashback Bonus award unless otherwise disclosed in the offer. These other Cashback Bonus awards will accrue in the,Cashback Bonus Account in accordance with these Terms and Conditions unless an alternative method of disbursement is disclosed in the offer. In addition, If, as of the date Discover Card determines whether a Cardmember has met the terms of the offer, the Cardmembers Account is closed or delinquent, the Cardmember will not receive this other Cashback Bonus award unless otherwise'disclosed in the offer, nor will the Cardmember receive a Traditional Cashback Bonus award on these purchases. The accrued'amount of these other Cashback Bonus awards will be made available to Cardmembers as described below provided the conditions contained in paragraph 5 below are met. 5. All Cashback Bonus awards will be held In the Cashback Bonus Account. The Cashback Bonus amount available for disbursement is the amount in the Cashback Bonus Account as of the last day of the Cardmember's previous billing period. However, Cashback Bonus awards may be redeemed In increments of $20 only. Cardmembers have no right to accrued Cashback Bonus amounts of less than $20 or amounts within the $20 increments. Only Cardmembers in good standing with open Accounts may access the accrued Cashback Bonus awards in the Cashback Bonus Account. To be in good standing a Cardmember may not be delinquent (as described below) or in default (as defined in the Cardmember Agreement), and a Cardmember may not have used the Account for any prohibited Transactions. The Cardmember is delinquent If Discover Card has not received a required payment by the Payment Due Date shown on the monthly billing statement. If an Account is inactive for 36 consecutive months, any amount -20- , of $20 or more in accrued Cashback Bonus a incre will n paid to the ts. it the Cardmem or an increft credit In cnren4 of $20 thereafter ismnot reached, $20 mini amount will be forfeited. If: an Account is closed for any that Callback Bonus awards in the Cashback Bonus reason, any Account will be forfeited. the opportunity to 6. A qualifying Cardmember may have awards are K Bonus cishbad emr ditito he Cardmember's Account, a choose the manner disbursed including Of the check that is mailed to the Cardmember, or an exchange Products or services, the Cashback Bonus award for selected . CC however each terms of which will be contained In memo ardmemb..e n may select more than one redemP on method must be on metluxls redemption and each redempti a the redempti increments. D, Card may to me It is the Cardmember's in its sole discretion ?ODistcover?(atrd In the everts a Callback responsibility to notify reason. Bonus disbursement is not received for any taping t Cardmembers may redeem tashback Bon da awards Frideyb7am 71)m (Mon y' 877-YOUR AWARD (1 677.966 at DiscOvercard.corn, Prior to CST) °rionnthe the interne transactions on which Callback h Bonus these aTerms redempt be eudited for compliance with these are calculated may' and Conditions: stolen, the 7. in the event a Card is lost or the CashbackcBonus aAc ?? { tin Cashback Bonus awnagrds rehabs and the anniversaamount of ry the old Account will bee transferred to the new r 8. Discover Card reserves the right to make other adjustments t r amounts as fallback Bonus aeturns will decbeme t these c nt .aamocfCraity.also example, any suetio determined In Discover Card's sole di;d Discover ack Bonus amounts j reserves the right to truncate or round Cassole excess d the Of the to the nearest cent as determined in its soar discretion, o the eare receives a Callback Bonus award in . m Callback Bonus Account , the Cardmember's amount in the entire amount of the the a lone 0f Account will be debited fo award disbursement. rneeamount luding but not tlim?d to the i the Cardmember Ag imposition of f4nance charges without any e tsubjimeectanu to s change may Include, but 9. These terms and conditions at notice. Changes may be made at the level of purchases.required to are not limited to, modifying a maximum for the various tiers, establishing rive, changing the Callback bonus amount of qualify Bonus amount that must award be Cardme accumulated ?eddeem may ed 9inhb9 types the Account before an award may ualifaed purchase, changing transactions that constitute a q or terminating the amours of Callback Bonus accrued certain tying the purchases, imposln9 the program. DESCRIPTION OF COVERAGE SCHEDULED Alit TRAVEL ACCIDENT INSURANCE. Discover Classic Cardmembeis+ are provided with up to $150,000 Scheduled Air Travel Accident* protection. Whenever you use your Discover Classic Card (the "credit card") to charge your entire Common Carrier Fare Ticket on any Commercial Aircraft operated by a Scheduled Air Carrier under a. license for the transportation of passengers for hire (hereim called Scheduled Air Carrier), you automatically receive this valuable coverage at no additional cost. The benefits of the Policy providing your coverage ara governed primarily by the law of a state other than Florida. *Coverage is underwritten by National Union Fire - Insurance Company of Pittsburgh, PA (the "Insurance Company"), with offices in New York, NY. Certain limitations and exclusions apply. PLAN FEATURES Benefit Amount: $150,000. Family Aggregate Principal Sum ACCIDENTAL DEATH BENEFITS. Insurance coverage will be equal to the benefit amount fos accidental loss of life. The loss must occur within one year. of the accident that caused the Injury. Family Agggregate Principal Sum means the total amount of insurance in force on the Cardmember, his or her spouse and their dependent children for any one accident. If, more than one Insured Person dies as the result of the Injuries received in any one accident, the Family' Aggregate Principal Sum will be pro- rated and paid in accordance with the claim payment andbene- ficiary provisions of the Policy. Once the Family Aggregate Principal Sum is paid for any one Insured Person in a Family that occurs as the result of any one accident, no further benefits are j payable for further deaths in that Family due to Injuries received in the same accident. Maximum Accidental Death benefits payable under the Policy, if more than one Cardmember suffers a loss from the same accident, are limited to an aggregate of $20,000,000 for all Cardmembers combined. Any reduction of benefits necessary to comply with this limitation will be made on a proportionate basis to each Cardmember up to this aggregate limit of liability. As used herein, Cardmember means Cardmember, his.or her insured spouse and insured dependent children. This aggregate limit does not replace or in any way affect the Family Aggregate Principal Sum stated under the Policy. "Injury" means bodily injury: (a) which is sustained as a direct result of an unintended, unanticipated accident that is external to the body and that occurs while the injured person's coverage under this'Policy is in force, and (b) whicdirectly (Independent of sickness, disease, mental infirmity, bodily infirmity or any other cause) causes a covered loss. DISAPPEARANCE BENEFITS. We will presume you suffered loss of life due to an accident if: y-)u are riding in a Scheduled Air -22- Carrier that is involved in a covered accident and as a result of thq accident, the Scheduled Air Carrier is wrecked, sinks, or disappears; and your body is not found within one (1) year of the accident. The total of all benefits payable for you, your spouse and your dependent children from the same accident will not exceed the $150,000 family Aggregate Principal Sum. ELIGIBILITY. This automatic insurance is provided to eligible holden of the credit card whose names appear on the credit card, their spouses and their unmarried dependent children under age 19 (age 23 If attending school on a full-time basis and fully-dependent on you for support). However, the age limit does not apply to a child who is incapable of self-sustaining employment by reason of mental or physical incapacity. EFFECTIVE DATES. Your insurance under this plan Is effective on the later of- 1) July 1, 2001; or 2) the date you become an eligible person.. Your Insurance under this. plan will cease on the earlier of: 1) the date the Insurance coverage is terminated; or 2) on the date you cease to be an eligible holder of the credit card. THE BENEFICIARY. Unless you designate otherwise with a beneficiary. designation form, your death benefit will be paid, In equal shares, to the first surviving class of those that follow: (1) your spouse; (2) your children; (3) your parents; or (4) your brothers and sisters. If no class has a survivor, the beneficiary is your estate. You may ;hange your beneficiary by writing to the Insurance Company at: Accident & Health Division, S00 West Madison Street, Suite 2250, Chicago, IL 60661. CLAIM PROCEDURE. Claim forms may be obtained through the Insurance Company. Claims for benefits must be filed with the Insurance Company within 90 days or as soon as reasonably possible after the loss occurs. PLAN OF INSURANCE COVERAGE. You, as a Cardmember, and your spouse and children will be covered against injuries that result in an accidental death while as a passenger in or on, including getting In or out of, or on or off of, any Scheduled Air Carrier If the Common Carrier Fare Ticket for the flight was charged to your credit card. Companion tickets issued for free with the purchase of a full- fare common carrier ticket and used by a spouse or dependent child will be considered as fully charged to the credit card, if the corresponding full Common Carrier Fare Ticket is charged to the credit card. Coverage is effective when you board the Scheduled Air Carrier, provided the full Common Carrier Fare Ticket Is purchased, or the travel reservation is made for the companion tickets, prior to boarding such Scheduled Air Carrier. Coverage ends when you alight from the Scheduled Air Carrier. EXCLUSIONS. Benefits are not payable If the loss is caused by or results from: 1) self-inflicted inury or suicide; 2) sickness, disease, or mental incapacity or bodily infirmity whether directly or -23- % ' indirectly; 3) infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botuNm, ptomelne poisoning or an accidental cut or wound Independent and in -the absence of any underlying sickness, disease or conoition'including but not limited to diabetes; 4) committingg or attempting to commit a felon, 5) war or act of war, dedared or undeclared; or (6) travel or fight in or on any vehicle used for aerial navigation, as a pilot, operator or crew member, LIMITATIONS. Benefits will only be payable under one Card- member account the credit card under. which the Common Carrier Fare Tickets were fully charged. Benefits are not payable for losses due to injury sustained while on a trip for which the tickets were purchased with a frequent flyer voucher. Complete provisions pertaining to this plan of insurance are contained in Policy #9029072 issued by National Union Fire Insurance Company of Pittsburgh, PA with offices in New York, NY. The premium for this insurance is paid by Discover Financial Services, Inc., out of income derived from its credit card operations. Please read this Description-cif Coverage. Keep it in a safe place with your other insurance documents. This Description of Coverage (Form Number S30365DOQ Is not a contract of insurance but is simply an informative statement to each ellgible individual of the principal provisions of the insurance white in effect -If a conflict exists between a statement in this Description of Coverage and any provisions in'the Policy, the Policy will govern. Claims administered by: A&H Claims 'Department, P.O. Box 15701, Wilmington, DE 19850-5701, (800) 551-0824. -24- G? EXHIBIT "Y' DISC!,'_')IVER New Balance I Minimum Payment Due $2,888.27 , $65.00 Payment Due Date Dec«rrbs r 22, 2003 23 SDSN6A010007590 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Account Number ending in 4075 Enter Amount Enclosed Below j r i. $ Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the ovedimif amount of $588.27 Go paperless and make your account information more secure wiUt password- protected statements only you can access. Learn more at discover conVpaperiess. PO BOX 71084 111"' CHARLOTTE NC 28272-1084 Address, email or telephone change? Print charge in space 1rr1r16r1rrrLlilts 6rloll rlll1 111 111111111111111111#1111111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235028882700000000006500 Discover Card Account Summary Account number ending in 4075 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available Cbsing Date: November 23, 2003 page 1 of 1 Previous Balance $2,892.35 Payments And Credits 100.00 Purchases + 35.00 Cash Advances + 0.00 Balance Transfers + 0.00 F nco, e charges + 60.92 New Balance $2,888.27 December 22, 2003 $65.00 $2,300.00 $0.00 $1,200.00 $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Cashbock Bonus Balance $ 0.57 New Cashback Boars This Period + 0.00 Cashba& Bonus Balance S 0.57 Cashback Bonus® Anniversary Month: December Keep usinngg your Discover(R) Card and watch k B R d l your Cashbac onus( ) awar grow Remember once Cashback Bonus d l 20 d awar is at east , you can re eem your award by caging us or by lagging into the Account Center al Discovercard.com. How Can We Help You? 1 Visit Discover cem to bi for no cost viewyaur latest Account inform?n ? and redeem rewards and more It's your choke - 3 ways to help 2. Cal 1-8004DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Pease have your Discover Cord available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) no reverse side Sag Lake City, UT 84130 Transactions $0 Fraud Liability Cua antes Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Nov 8 Nov 8 PHONE PAYMENT THANK YOU s 100.00 01her/Miscellaneous Nov 23 Nov 23 OVERl1MIT FEE 35:00 MAU" Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE Balances Rates RATES RATES CHARGES current billing period: 31 days Purchases $2870.37 0.06847% 24.99% F 24.99% $60.92 $0 Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rated above. Important Inforrmthtomh. "two a more than we page b On big statement see the back of each page for additional inpatis i lormaion. En Sea year Cad-6KAgreeme t. Your Cmdmeinber Agreement mdaikms at h lens d your AccaaN. COD z Lost or eblen eds. Report irmkedialely! Cal 14"1 26n p 0 Bin/ Rights Summery. In Case of Emus or OuesforsAbout Your Bit D you tlnink your bill is wro g, or it you need more Vtanalim abort a transaction an your W, write us on a c separate sheet of paper at Discover, PO Box 30421, Sal lake City, Ur 841364421. as soon as Possible. We must hear from you no bier than 6o days after we sad you the flrsl bill on o which the error or problem appeared. You can lelephore its, but doing so will not preserve your rights, ki your MW. give us the following inbmetim: Your name and Account marker. The dollar armed of the suspected aver. Describe the error and explain. I you can, why you believe tens is an error 9 you need more information, desmbe h llem you are unsure about 00 You do not have b pay any amounts queslorm while we sm inveslgafrg, but you ore sM obbgatedb pay tie parts ofyxrbitlW are not n While b Your question. we cannot report you as delinquent or take any action to collect this amnd you question. Special Rule for Credit Card Purdaea: If you have a pdAem with to quality o (goods or services is you purchased with a ciedt card. and you have Vied in good bo to coned to prablan with h nadmK you may not have b pay h rmftihug snood due on to goods or sdrioes. You have this pmledion crtywhen the prdese phica was more Dan $50 and the purchase was made in you home state orwift 100 miesdyou mailing address. (l we awn or operate the mercheK or Nwe naiad you h advatiem art for due goods or services. all purchases are coivered regardless of the mum or baton d purchase.) Payments. Send only yo papers and the by portion of this sbhment in Be emebpe provided. Do not sand cask By sanding your deck as described above. you auflodre us b use ifamabon an your check b make an electronic kmd basNa Von yaw amoutA No financial Vns9Nlim indicated on your dhedd or b process the payment sa deck transaction. If paymem is processed as an elecuaic turd Varsta, to tasferwi be for Be aroua dime deck Vil hen we use i ibmabm loom your deck to make on de ri n hie krd Vaskr, kids may be windrawn from your axaut as soon as toe same dry we amn you payment and you will rd receive your check back from you firnanrial indi ulon. The processing of your payment may be delayed tyou sad ask correspondence or am dare with your payment, if you send the payment b any War address or D you use an anrelope dha Dan the one provided. Payments received in proper acen atourparassirg betty by 5PM IoW lime on arty day wi be aedted b yourA=M s dt Mel day Paymets .received ?U I be wedded b yourAaarKsd to next day,Dyou have misplaced your mwebpe. send yaw payment b Discover, PO Box d SVe 9 Please allow days for delivery. I your payment is relu med unpaid, we reserve the rig lb reakhmi d as an elscberic debt, You an pay minimum payment or a greater amount aver the leleptnonhe and you an set up adornafc payments. Cal us at 11-11W347-2681 You will reed tits ditemad and your berdk amount information. You must ensure to sufficient kinds ar aaible in your balk amount, and all tar ichons must comply ns'b U.S. lab You will be a" b provide the W 5 digits dyer account statement ZIP code. By entering tncee masters asyourdeceontc sigrteVre, you will be agr xi g nb tits aktorkabon below us and your bark iedadmct each payxne t you a9tnor¢e from your bank amount, and to nifiale debt orcredit envies b yo r bark anent as appkc", b correct an amor n the praoeaaig d arch payment You must tefl us the arrhorrd of each payment, or you an select an amunt such as the Afrimrn Payment Due or h New Balance on each sbbmet. You an cancel a paynahl however, we must room notice at lest tree Wares days in advance of the s h"M payruart. You may no* to by phone at 14003472683 or by mail at the address find in go pmvias paragraph D your payre sift may vary in amout, we will tag you on each noritystabreutwhen your payment will be mark and how much t will be. Your Aubmat: payment amat may be less than irxkcaled on tie monthly slalemed based on credits or payments applied during the dig cycle. Cndit Reporting. Yle may report information about your amount to credit hrreas. lofts payments, missed payneMS, or War debulte on you amount may be reflected in your credl report. Wife normally report the stalus and permit agencies each rmnth. D you believe tea our report a inaccurate or incomplete, pose write ? dyour Account M edil eporls at the Wising addressDiscover PO Box 1 6 05 d ude as Wwringm• your name, address, home telephone rustier ad Acmurt arnba. Periodic France Changes. Except as provided below. we will inlpm Peru6c France Carges on purchases, ash advances, and balarha fas(as beglrirg with the dab the transaction occurs until the date of repaymhert and on Old Balances utr h date of repayment Old Balances are comprised of pother purchases and ash advances made on or prior to the bs1 day of your billing period ending *am February 1993 or Ras sm Use balances. You can avoid payment of Periodic Fiance Charges on new pmorlnses i you pay h New Balance shown on the big steamiest on which the purchase first appears by the payment Due Date, and the, Payments and Credits on tat statement egad or exceed your Revbus Balance. V% cal tda ft *grace period' You do not have a grace period an balance transfers or ash advances. Periodic Finance Charges ore unposed on new balance tanks and cash advances beginning wM h dale h transaction oohs. Periodic Finance Charges are mVosed on all Meadow and ON Balances uti the dale of repayment Repayment moans payment of you entire New eelarace. However, t you pay the New Balance shown on this bang sbbnwt by to Pia mert Due Date, and h Pay ems and Credits sawn an his sofa a tequal or exceed the Previous Balance we , will not ubpoae Periodic France charges an new pudmases, that is, purchases Fast appearing on this sMMnwm. D your Amount was dosed as of. p) September 27.1998; or (1) August 31, 2001 and was broody a Discover Prbne Option. Discover National Aiahce for Species SurvivaF or Universal StudesAccount or (ht) SepLLmba 30,20M and was formerly a Discover SmAsaman Amount you can avoid payment of Periodic Frace Charges l you pay the New Lab= Own on ft Statement by the Payewmt Due Dale and the Paymente and Credits on to Minement equal or exceed your Previous Balance. Oter ize. you will receive a billing statement nod broth hl nduded Periodic France Carges imposed unto the date of repayment. V& convule Periodic France Charges each day for purchases, ash advahas, balace tracks and ON eabnces Much we refer to as transaction afegones) by using the blowig equation, Average Daly Balarm x minter of days in the bang period x Daly Pedodmc Rate (Refer b to tiramma Berge sunray m tie front d yur steterrso fortome a rourds.) Then we add all the Periodic France Cloges for each Yansactiorh allegory to gel she bbl Periodic Fimaoe charges foryo rAcco ut The average Daily Balance, is stowm as 0l no Periodic France Charges apply to the balance in a transaction abgay. We use the Average Daly Balance (ndk6rg new tea eaias) mnetmod of ablating the balance upon which we impose Periodic France Charges. ft compute the average daily balance for each transaction category by adding up all ft daily balances in a big period fa a Vansaclon caeigoayr and dnfig the bbl by the number of days in this, M ng cycle. m M"NO the daily balance, for each rasacfon category on each day, by *M adding te following to the previous days daily balance barsadions made tat day, tees charged that day and Poo "ges accrued en tie previous days daily balance; and by t ern sdWactig any credits and paymrais tall we applied against One balance of the trasactim a PYon Old Balances are ackbded from the balance of h purchase ad ash advance transaction enep ae. Special rah balace Yarakrs and Bala ce Transfer Transaction Fee From Chagas are included in h daily balance fransbr transaction category. Balance bastes t et wee witifed bat initial Wecial rate flat has been terminated due b a lark payment are also kcndad in h category until the iatid special raft otherwise would have aspired I calculating the daily bbabma of to balance bansfa transaction category on the first day of the big period, we ar6bact h wVW balance of toss Balance Trasfa Transaction Fee France Charges and balance tarstinis tat bemire pudrese rab balance Vasfers on tat day and we add iW unpaid balance to to balance of ft purchase basactim afegory. All fees charged so your AAccount we added to to pxchase -, CAWY MIN the exoepbom of Cash Advaxe Transaction Fee France Charges which we added b the ash Balance Tom Toonsachon Fee Finance advance kwaaMm abgaY Charges which are added bow helace tacker transaction category If a l auackon made in a previous billing period is Wetted on this stalamd. we consider the VaKerlon date b be Be first day of the current billing period when we calculate your Periodic Finance Charges. For TDD (Telecommkmiafors Device for the Deafl asskfanop, please cal MOD-M-7449. Discover may monitor ardor record Wepfone cats bdweeo you and Discover refire enigavee for quality assurance pirposes The Dkmver` card is issued by Discover Bark. Memta FDIC. OITBK056 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $3,018.17 $133.00 Enter Amount Enclosed Below Payment Due Date $ January 22, 2004 Please make check payable b Discover Card. You are overlimif. aY the sum of the montMy minimum payment plus the ovedimit amount of 23 SDSN6AO1 0007591 $718.17 HIXSON, JOSEPH Gopaperless and makeyour account information more secure with password- 917 THORNTON DR protected statements orgy you can access- MECHANICSBURG PA 17055-5752 earnmoreatdiscovercomlpaperless. PO BOX 71084 IIIuhIInn,Irlullul,I,I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print charge in space )nlhllnln,I,II,,,Inl,IurIIIlnrlululnlln?nlnl,Iull above, or go to Discover.com. Print your a-rrail address to receive important Account information and special offers. 000001986458999668235030181700000000013300 Discover Card Account Summary Account number ending in 4075 Payment Due Date January 22, 2004 Minimum Payment Due $133.00 Credit limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 Closing Dote: December 23, 2003 Page I of 1 Previous Balance $2,888.27 Payments And Credits 0.00 Purchases + 70.00 Cash Advances + 0.00 Balance Transfers + 0.00 Firanu Charges + 59.90 New Balance = $3,018.17 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.57 New Coshbock Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: December Cashback Banos Balance $ 0.57 How Can We Help You? I Visit Diseoveacam to pay your 62 for no cost, view "ur P latest Account information, earn and redeem rwvards and more It's your choice - 3 ways to help 2. Call 1-80ODMOVER )347-2683) for foal, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us nt 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 Deft Date Odle/Miscellaneous Dec 23 Dec 23 LATE FEE Dec 23 Dec 23 OVERl1MTT FEE $ 35.00 35.00 Information For You ******* ATTENTION ******* ATTENTION ******* ATTENTION w****** ATTENTION ******* ATTENTION * * * * * * * Your account is post due. Phase pay the pad due amount now, or contact us to make other arrangements. I-IFICIFIM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daf i R? is ?ra AGE P NTAGE FINANCE FINANCE Bal RATES CHARGES CHARGES current billing period: 30 days Purchases $291713 0.06847% 24.99% F 24.99'X. $59.90 s0 Cash Advances s0 0.06847% 24.99% F 24.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (11) as noted above. Please rate, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award kmPOrb nt Ndonnetlon. If Iliere ts more tan one page b to biih®stalement see h bads d earn page fa addioma inportad information. See Your CandmemberAgree ent.yourCaidmemDerAgreemerill contansa19iesemsdyourAmount Lostor sbslerh ends Repot nnedetsyl Cd 1466.347.2663. Billing Rlphb Sumnay. In Case of Enos or Ooestiors About Your Bill: f you hnk yew bill a wag, or f you need more idormalim about a transaction on ante ason a t b7 , separate eat" at paper at Dhsmver, PO Box 30421. Sall Lake City; UT 6413.0421, as soon as possible. We Must bear from OD later tan 60 wi irh the error or problem appeared. You can telephone us. but so will not YOU crier we e sent you h first lei on d01A9 Preserve your rids. b your MW, gins s the krtowrg Intonration; g Your name and Account comber U • The doia arourd of to suspected error. Descnbs the error and explain. I you can, why you believe hre is an error. If you need more Information, describe the km you are unsure about. X You do not he"bpayanyamount ingestionwhieweareiwesigaliig,bidyouwestill Obligated! bpayhparts of bihtarenotn your question. While we Westgate your gestion, we cared repot you as deingced or take any aeiorh to collect the amount you question. SpwW Rut for Crok lard Pudhss: f you lave a prcbtsrn wnilh h qj*y d goods or services fiat you prchased wifh a aedt cased, and you have tied in good faith to cared the problern wah h merdmd you may rot have b pry h Mimi ing amoddue on h goods orsavioes You have tit proieLSorn only when the purchase price was more fian $50 and the purchase was mete in your home stab or whin 100 miss dyer maig address. (f we on or uperale h merchant, or Ewe mailed you the adwi f errsd for to goods or I services.allpurdwaarecwaedmpdeadtheafwMa 11, dprdase.) Paymerda. Send only your payment and the lop portion d this stalmmrd in the envelope pmuided. Do not sand rash. By seadi g your dbdc as described above you authorim rib to , use common on your dwA b make an electronic tend karnsler tan your account at Ere fnandal institution indiicabd on your died or to process the payment as a died ka sadm. t payment is pmoenW as an stectronic frrp tanster, h task will be for h amount of the cedc When vie use iimnafm ban your dheck to make an ele dro is fund farrier , funds may be withdrawn from your amount as soon as to same day we receive your payment, and you will not receive yordhedc bads km you financial rail utioa The pocessing of your pry maybe delayed ifyou send cash, co espmdenoe or other items vA your paTmeK # you send ft pap" to any oher 11 11 a t you use an emrelope other fan h am provided Payments received in phper brm at our Prooa n ing bciiy by WM local wean an da wi be aedfed b A t d y y yor rran as ot day Payments received a con..processingfackyderWMlocalirewlbecededbyarAawurusdJhenextday,fyouhaemisplacedyorenwebpe,sapyoupayrrnedbDiscover,POBox 6101, Card Skean. IL 601976103. Pmw allow 7-10 days fordek,erye f your payout ts rmurred mpad we reserve h ri ht b b d k l , g mw r s an e e p dabs You can pry mnioum payment a a geaier amont ter h klsplnone. and you can setup automate payment. Cut us at 1-60.347 2663. You will need this statement and your bank account inkmWim. You mil man that adident kaps we available in your bank account, and all kansecki s mast comply with US law You will be k d N id f h . as e o pnov a t e it 5 dgh d yar aouad stalernent ZIP code. By entering those cambers s your I- A I ie 30%Ib M you Mill b agreetrg b colt authaQation b dour us and your bait b dedrd each payment you antuae from your bank aexxxd• and b i ilale debt orasdi entries to your bank amount, as applicable to 'an sear in h pmo ssain e of such rned Y ll , g p y . ou no se us to amount of each payment or you can select an mud such as h 16*nun Payment Due or the New Balance on each statemeri You can cancel a payment, huwaver, we must teCelve notice at lest tree brsness data in advance of the sdbdled paymsct You may n" is by phone at 1800.347-Mon by mall at the add ess furled in th i h e pnrv as paragrap M ynwr payments may vary in meet, we will At6 you on each mor" stsiarre mdse Your payment will be made end her much it will be. Your Aubmatic paym id a ixini may be ins than indicated on the monthly stakmar based on aedhls orpayments applied dung the big cyder Cndd Reporting. We may report inamalon about your accontID asst bureaus. Late payments, nosed paymenls, or oter delahlts an you as out maybe mileded n yeuaede report normally report the sibs and paymerht kiebrY dyourAceorrd b credit repading agandes each comb gym be lim that our re rt i b at . po s acar e or incomplete. please wade us at the following address: Discover. PO Box 15316. WiYmgbm, DE 19850-5316. Please include your name, address, here telephone mamba and Amount number. Periodic Finance Charges. Except as povided bebsK we will impose Pal Fiance Charges on purchases, cash &*an= and balance travelers bap" with the date this traracfon occurs unit the date of repayment aid on Old Balances until h dale of repayment Old Balams are comprised of either purchases and cash advarm made on or the last day of you billing period ending duicg February 1993 or Reserve Line balances PtOf to You can avoid paymen of Periodic Finance charges on new purchases; t you pay the New Balance sham on the billing statement on which the purchase fast appears by the payment Due Date, and the Payments and Creels on that statementegual or exceed your Previous Balance. We cat ft h -gate perof You do nor h i d ave a grace per o on balance barriers or cash advances. Periodic Finance Charges are Imposed on new bhancebarters and cash advances begiwhrrg with h dab the transaction axurs Periodic France Charges we imposed on all transactions and Old Balances until the date of repayment, Repayment own payment of you entire New Balance. However. t you pay the New Balance shown on this big statement by h Payment Due Date, and the Payments and Credits sham on Ihts statement equal or exceed the Phemm Balance %* . will not Impose Periodic Finance Charges on new purchases, that is, purchases fret appearing on fats stabmerk t yo rAcmud was dosed as of. (i) Sepknbsr 27.1999; or r) August 200 a Discover Price Option. Discover National Alliance for Species Survival" or Whersal %AosAmanl or (`h Se tember 30 2001 d s l p . an wa y krne a Discover e and Creeks on this e;m Acm you can avoid payment of Periodic Fnana Charges it you pay h New Balance sibwnan cis Staterrnerq by the Payment Due Oats and the Payments equal or exceed your Previous; Balance. Ohnwise, you will receive a big salemanl rep meth het irckp d P i Fr di e er o c ance Gags imposed until h date Of ssyayment. We compute Periodic Finance Charges each day for purchases. cash advances, balance transfers and Old Man= (which we celer bas farsaClon -mg-) by using h bAowin9 equation; Average Daly Balance x camber of days in to bang period x Daily Periodic Rate. (Refer to h (chance doge summary an to ken of you statement for these amounts ) Th . en we add all to Patodc France Charges for each transaction allegory to get the WW Pabdc France charges for your Account The average Daly Balance is shown as 0 t no Periodic Frsrce Charges apply to the balance in a transaction cabgay We use the Average Daly Balance Iinddng new basadpr) mdcd of calculating the balance upm which we impose Periodic France lieges. ft oompule to balance for eadn daily transaction category by adding up all the dally balances in a big period for a transaction Cate or and 6vd th bad b t ? g y M e y he number of dgs in to billing Yp? r e fore transaction allegory on each day by first adding to following to the Remo days daily balence: transacloms made trot day, fees dhig d tcycle. We at day a0p yf IIf ' rid s t acenued on this p dayr s daffy balance arid by fun subtracting any credits and payments that are appled against the balance of the transaction A y on that day Old Bala nose are excluded from the balance of h purchase and rash advance transaction c ategms. Special We hatawe tasters and BatanoeTrasbTiasachh Fee Finance, Charges are included in to daily balance baser transaction category Balance transfers that were subject to an vi l i l M t h a spec a ra d e as bean terminated due No a late a ? are billing lso nduded in h abgory uAi to riial special sate otherwise wader have expired, In raladaig the da ly balance d h balance bards trasacfm category on the irday of Eve penod, we subtract to unpaid balance of those, Balance Transfer Transaction Fee Fnance Char es and balan tr f b b g ce ans ers at eware prc ass note balance bmslass on that we add #0 uchpaid balance b the balance of to pudsse kareacion Category. ? AO fees charged to your Amount a s added to to pudhse transactionn category with h exception dCsh Advance Transaction Fee Fiance Charges which am added b te cash advance fasa,Ym category and Balance Trwaler Transaction Fee Fiance Gages which are added to this balance t t t as er ransaction category If a transaction made in a previous thing period is Ornmed on this statement, we consider fe transaction dale In be to fist day of the rxrrad hitting period when we calculate your Periodic Finance Chagas. For TOO (Telecommniafors Devise for the Des4 sslgance, please at 1a043q•7449. Discover may suitor andlor record telepMM cab between you and Discover represedaiwes for quality assurance purposes. The Discover' cad is issued by Discover Be* Member FDIC. OITBKD56 New Balance DISCOVER Minimum Payment Due! Account Number ending in 4075 $2,983.97 $67.00 Enter Amount Enclosed Below Paymarit Due Dote 2004 22 Februar $ , y Please make checker to Discover Cad. Y d P h f ou are ove imit. ay t e sum o the mord* minimum payment plus the ovedimit amount of $683.97 23 SDSNGA01 0007592 HIXSON, JOSEPH Go paperless and make your account 917 TNORNTON DR infor'acted mation more l secure with password-only you can access. MECHANICSBURG PA 17055-5752 Leamrttore atdiscov cotrYpaperkss. PO BOX 71084 111111111 111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone charge4 Print change in space I Ilulumlrllurlu r urllllnrlrmlu ullnlnluldull above, or go to Discover.eom. Print your e-mail address to receive important Account information and special offers. 000001986458999668235029839700000000006700 Discover Card Account Summary Account number ending in 4075 Payment Due Date February 22, 2004 Minimum Payment Due $67.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 Closing Date: January 23, 2004 page 1 of 1 Previous Balance $3,018.17 Payments And Credits 133.00 Purchases + 35.00 Cash Advances + 0.00 Balance Transfers + 0.00 Fimarmeeges + 63.80 Now Balance $2,983.97 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Btmuse Opening Cashbock Bonus Balance $ 0.57 Now Cashbock Bonus This Period + 0.00 ,Cashbock Bonus® Anniversary Month: December Cashbock Bonus Balance $ 0.57 Keep usinngg your Diwover(R) Card and watch your Cashbook Bonus(R) award growl Remember, oncer Cashbock Bonus award is at least 520, you can redeem your award by caging us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1 Visit Disc~xwo to pair your bill for per cosy view r p latest Account information, earn and rodsen rewards and more It's your choice - 3 ways to help 2. Cal 1-8000XOVER (347-2683( for fast, easy s4service options or to speak with a Customer Service Account Manager Phase have your Discover Card available. 3. Write us at 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. Peet Date Dab Payments and Credits Jan 14 Jan 14 PHONE PAYMENT THANK YOU $ 133.00 Other/Miscellaneous Jam 23 Jon 23 OYERLIMIT FEE 35.00 Information For You Please note, the Traditional Cashbock Bonus award is now called the Purchase Cashbock Bonus award "AN-1 Charge Summary y a l Nominal ANNUAL ANNUAL Periodic Transaction F Dail y Per i odic PE RCE AGE PERCENTAGE FRdANa INANCE Bold Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3006.33 0.06847% 24.99% F 24.99% $63.80 $0 Cash Advances s0 0.06847% 24.99% F 24.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. knportarR frnorrnatien. H there is more ban one page to trots billing statement sea the bads of each page for additional important inlomratim. CO) Sae your Cardmember Agreement Yee Cardmernber Agreement conlairs at the team of your Accoumt co Z Loot or sWlen cards. Repot amnediale y! Call 1.800317.2663. D 0 Bfiq RW6 Summary. In Case of Errors or O nsaans Abort Your fK Hyou Link your bill is wrong, or l you need me idamalian about a transaction an your bill, write nor on a t h t f t Di PO B 30421 S l L k Ci UT separa e s ee o paper a scover, ox . a a e ty. 841300421, as soon as possible. We must hem from you no lalcr tree 60 days der we set you to 69 bit on 0 which the am or appeared. You can takplnrre us, but doing so will not preserve you nighk. In your klec give us the idbwirg information: noble Yorr now and AccouO rwm bur. The dolor amount of the suspected error. Describe the mar and explain, i you can, why you beleve tlhee ts an error you need more nbtlaatan, desabe the Bern you are u sue about. 0O You do not have to pay any amour n ques0m "we are i rag, butyou are stl obigated b pay le pats d you bltat arenot in gtresftL V* a we ieestgale your question. we cannot report you as deittgnart or too any action to collect to armed you oyureston. SpeeW Rule for Ccadt Card Purchases: If you have a problem wib the quality of goods or services that you purchased with a cod and, and you have i fed in good tath to caned the problem with the merchant. you may ad have b pay themorning amount due on to goods or services. You have In protection orny whim to purchase price was more ban $50 and its purchase was made in your home state or whin 100 miles of your moing address. (l we own or operate the merchant, or iI we naiad you theadvertisement lorto goods or services, all purchases are covered mgmdess dire amount or location of purchose.) Payments. Said only your payment and to top portion of tits statement in to enobpe provided. Do not sand cash. By smiling your dhada as described above, you anhwme us b use information on you dark to make an electronic fund transer from you amoast ant to iranh J I kubUm vxkabd onyou deco or b pmoem line paywwt as a dads trasacim. H paymen is processed as an ckcaaic Mot Mskr, the transfer will be forte a mound to check. Vftn we use nfimnalion kro your dock b nshe an eiaioelc l not tianooK funds may be withdrawn from you account as soon as the same day we receive your paynwt and you will not receive your c edt bads from your ina ciat khmbtlort The processing o(you paymed nay be delayed if you said ash, oarespo Bence or the item with your payment, if you send the paynoo b arty star ad I or l you use an envelope other than the one provided. PaymaMs received in paper form at our ptocessirng ko9ily, by 5PM local lime on aW day will be aedi ed to yerAcci aasdthal day Portents received at our processing builiyaller 5PM beat time will be credited to yearAcoant as date next day. Byou have misplaced you envelope, send yarpaynwdb Discover. PO Bout 6103, Carol Stream, 11-60197-6103. Please allow 7-10 clays for delivery. H you payment is returned unpaid. we reserve to right b resubmit it as an elecloroc debt. You can pay minknam payment or a greater amount ore the telephone, and you can set up a to atic payments, Cal m at 1-800-347-M. You will need this shalimw'and your bank account kdomrelion. You must ensure too arrHdant tends are available in your bats account, and all transactions must oo ply with U.S low You will be asked b provide the fist 5 digits of your account statement ZIP code. By, w imhg terse aenbers as your ekohan'c signature- you will be, gtadng btis apw®Bm b allow us and yea Iwnc to deduct each payment you ath rus from you bank account and to kwlae debit or credit entries to your bank amouK as applicable, to cored an error in are processing of such psynwM. You must Id us thou amount of each payment, or you an select an mom" such as the lfn mum Payment Due or the Now Balanc?e oneach "amwt You can cancel a pormenc bowsver, we mum receive notice at least tree bmirim days in advance of the scheduled payment. You may notify us by place at 14W347 26 1 or by mail at to aofdrem inset in to pteviom pra7q*L tl your payments may vary in amount, we will lei you on each inert statement when your payment will be made and how much it will be. You Automatic: payment amour may be less tam indicated on the more ty statement based on credits or payments applied du rg the billing cycle. Credit Reporting. Vile may report ktomhatim about your acmurit to credit bureaus. Late payments, missed payments, or otherde laft on your account maybe cetxhed'n youroredl report. We normally report Mme stake and pyment history of your Account to, crecii reporting agencies each mmMh. tyou believe that our report is nacc rase orkoanptele, please write us at the following address: Discover, PO Box 15316, MIT ingbn, DE 198505316. Please include your lam, address, torte telephone rsamber and Account camber. Peiodie Finanee Charges. Except as provided blow. we will impose Periodic Fnaoe Charges on purchases. ash advaces and balance fraskrs I giaig volh to dab the transaction occurs unit to dale of repayment and on Old Balances unit the date of repayment Oki Balances we apprised deaf purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line batanaces. You can avoid payment d Periodic Fwnaroe Charges on new ptrc asm d you pay are New Balance shown on the billing statement on v ilk h the purchase firm appears by to Papnsnt Due Date, and the Payments and Cretins on tat slatenad eyuat or exceed your Previous Balance. We at this to 'grace period' You do not have a grace period on balance tea it rs or ash advances. Periodic FI mm Charges are imposed on new balance trasles and ash advances beginning with the dab In bansacton ocmrs. Peauk Finance Charges are imposed on at transactions and Old Balances unit the date of repayment. Repayment means papive t of your m6e New Balena, however, t you pay the New Balance shown on this billing slatenwd by the Payment Due Dale, and the Payments and Credits Mom on his stabnwnt equal or exceed to Previous Balance, we will not impose periodic Fkwhce Charges m new purchases, to is, purchases fist appearing on to statimrent. B your Account was dosed as a (d September 27,1999; or (i) August 31, 2001 and was kxmerty a Discover Prime Option, Discover National Alliance for Species StnW or Lhtversal SkadosAaaut or lint September 30.2D01 and was leanly a Discover Smithsonian Account, you an amid paynnerd d Periodic Finance Charges it you pay the New Balance shown on lib's Statement by the Payment Due Dole and to Payments and Credits on On statement equal or exceed you Previous Balance. Oterwise, you will receive a biting statement next font, that Molded Periodic Fiorm Chagas imposed uhd _lhe dale d repaymment. Yk compute Periodic Franc Charges each day for purchases, ash advances, balance traskrs and Old Balances (which we valor to as 811120tian abgotes) by ushg to following equation Average Daly Balance x comber of days in the bing period x Dairy Periodic Rate. (Ruler b the inane charge summary on l he front of you statement for these anoads.) Then we add at the Periodic Famte Charges for each transaction category to get the total Pei iodic: France charge for yourAccaant The average Daly Balance is shown as 0 IF no Periodc France Charges apply to the balance in a trasadion category. ft use the Average Daly Balance (including new trmsactons) method of calculating to balance upon which we impose Periodic France Charges. V* compute to average daily balance for each transaction ategey by adding up all the daily balances in a billing period for a trasacim category and dvldkg the brat by the number of days ten to sling qde. We i wnptte for each transaction category on each day by first add ng tre 1,11 ' erg to the previous days daily balance: transactions made tat day, ism charged that day and Per' des accrued on ft previous days daily balance; and by then subtracting any credit and payments Net are applied agakst the balance olt e lrasaction category on thel day. Oki Balances are excluded from to bataoe of the purchase and ash advance trasectm amigo ies. Special rab balance transient and Balance Trans* Tcasacim Fee Frwace Charges are included in, the daily balance border transaction category. Balarn transfers sal were subject to an nod special role that has been terminated due to a tab payment we also included in are category arty Mre initial special rate Wwwtse would have expired, n calcuk" the daily balane of the balance banste transaction category on to fist day of the bang period, we subtract the unpaid balance of lase Balance Transfer Trasaton Fee France Charges and babnoe masters that became purchase rate balance trasfers on that day and we add tat unpaid balance to you balance of to prdase transaction category.. AN tees charged to yaw Account are added to to purchase transaction category with to exception of Cash AdvaaceTiamadwh Fee Firm noe Charges which ore added b the aah ado" transaction category and Balance Trardw Transaction Fee France Charges which are added to the balance transfer transaction category . It a transaction made in a previous ding period is itemized on this statement we consider the tasadion dale to be the first day of the marred big period when we calculate your periodic Finance Charges. For TDO (fdsapmiuakahiore Device for the Deaf) assistance, please at 1a0O3t7.7149. Dw r may mania ardor record telephone calls between you and Discover represenaWes for quality assurance purposes. The Discover' Card is issued by Discover Bank, Member FDIC. OITBKO56 New Balance DISCOVER Minimum Payment Due Account Number ending in 4075 $3,015.72 $67.00 Enter Amount Enclosed Below Payment Due Date $ March 22, 2004 Please make chock to Discover Card. Y d P h f ou are ove imit. ay t e sum o 16 monthly minimum payment plus the overPanif amount of $71572. 23 SDSNWI 0007593 HIXSON JOSEPH Go paperless and make your account , information more secure with password- 917 THORNTON DR ected statements only you can access. r MECHANICSBURG PA 17055-5752 more at discovercadpaperless. eam PO BOX 71084 Illrrrllr"..1.1..11"I'I'I CHARLOTTE NC 28272-1084 Address, e-mail or telsphanechangei'Print change in space Inrlrlln)nrlrllur)nlr)urllllrn)ulnlnllnlnlrr(rlnO above, or go to Diseover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235030157200067000006700 Discover Card Account Summary Account number ending in 4075 Paymert Due Date March 22, 2004 Minimum Payment Due $67.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 Closing Date: February 23, 2004 pogo 1 of 1 Previous Balance $2,983.97 Payments And Credits 67.00 Purchases + 35.00 Cosh Advances + 0.00 Balance Transfers + 0.00 Fiearce Farces + 63.75 New Balance = 53,015.72 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashlxxk Boma" Opening Cashbock Bonus Balance $ 0.57 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.57 -CoA1xick llonusVAnmvefsary Month: December Keep usi your Discover(R) Card and watch your Cash k Bonus(R) award growl Remember, oIsast nce Coshback Bonus award is ct 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 Discavereom to pay yaw bill far no cost,,, - your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cog 1-8004NSCOVER (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 bearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Dab Payrrmnis and Credits Fab 19 Feb 19 PAYMENT THANK YOU $ -67.00 Olmr/Miscellameus Feb 23 Feb 23 OVERUMIT FEE 35.00 Information For You Please note, the Traditional Cashbock Bonus award is now called the Purchase Cashbock Bonus award RNWWCharge 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 $3003.99 0.06847% 24.99% F 24.99% $63.75 $0 Cash Advances $0 0.06847% 24.99% F 24.99% $O $0 The rates that apply to your Account are either fixed (F) or they may wry (V) as noted above Yapata t hb malion. N tare is more than one page to this billing statemot we Ube bast leach page for additional inpwM information. CA Sea your CardmemberAgreemsit Your CaNnerberAgeemcrd contains all the lean dyer Account tCn Lost or sblen pods. Report nwrmediatelly! Cad 1400 UT-2693. 2 O1 D BINhp Ripltls Summary. in Case d Enos or Questions About Your Bd: Nyvw link your lei is wrap, or r you need more hfonnnal w about a trasacdon on your bill. write us an a 0 separate wheal of paper at Discover, PO Box 30121. Sall Lake City, UT 841304)421,86 soon as possible. We must hear bwe you no later than 60 days ale we set you the fist bit on o which the error or problem appeared. You can Wq* aw us. but doing so we not preserve your tights. in your Wer, give us to blowing information: °v • Your name and Amount number. L The data amour of the suspected am. Describe to eror and eplah. I you can, why you believe lee is an am. IF you need more i tonnafon, describe the kin you are unsure about. 0 You do not have to pay wry armor in quesim while we we inesb9aitg, ht you me sell obligated to pay the pats d your bill Bet are not in rluestion, we irrvesigam 7 question. we cannot report you as delinquent or take any action to mlerc the avast you question- Special Special Rue for Credit Card Purctaees: N you have a problem with the q oily of goods or sanicea fat you puchased with a credit cad. and you have tied h good bids to cared the problem writs tom rc ad, you may not have b pay the mnaming smart due on1k goodsa sendoes. You have on prclecion any when rte p rc ham pace wasmere #W SW and the purchase, was made in you home state orwdm 100 miles d your adding addasc (dwe awn or operate the medwrt, or # we haled you lheadvadsambM fatty goods or services, al purchases are covered regadlem d the aroad orbcatin dpsdmse.) Payments. Sad only your papnaht and the top portion of this statement in the envelope porided. Do not send cash. By sending you deck as deaabed above you ahMhafae w to use idamaim an your deck to make an electronic tend transfer from your amount at the iaxsal institution indicated on your deck or b process to payrsed as a ced transaction. l payment is processed as an ehcbaic kmd transis le Mister will be fork amawl dlne deck. UOan we use kdanalm horn you deck b nihe art eleetorre find (caster , kinds may be withdrawn from your amain as sow as fie same day we recovis your paymeaL and you will not recenre yourdecir back from your fihe i is(snlun. The processing dyourpaymentmay be delayed lyou sad cash, cwespmdevea orlw Hems with yaw payraert, d you send ie!oayrerd b any tiler adhwis or I you use an envelope other tam the one prided. Payments received in proper form at our precess. fedsy by 5PM local lane on pry day toil be credited to your Amontasdgoday Payments reck.W at our processing 6a1iy W* 5PM bPal Mme will be_etedded toyatr A="asOllhe treat day. I you have misplaced your envelope. send your parsed loDiscara_PO Box , 6103, Cad SYearm. IL 60197-5103. Please allow 7-10 days for deiuery. I your payment is returned t pakt we reserve the right to resubmit it as an ekdio nicdebi. You can pay minimum payment or a greaser amount ova tlne telephone, and you can ad up su bmak payments. Cal us at 1.600.347-2683. You will need to statement and your bank amount hksmation. You must ensure that sulfite tfnds are available in you beak somont, and al transactions must amp" with US.lawr. You w4 be aslad b provide the first 6 dg'a of your award statement ZIP code. By ordering those manbers as your eI 'I i, signaler, you willbs agreeing to this a s horttatiw below us and yarbwd todeduct each payment you autlnorroe from you hair amount, video w4ale debd a crrdl e h to your bankaxard, as applicable, to awed an aver h the phooma ig d suit payrwnl lfou mustlel us the amount ofeach payment. or you can select an anwd such as the Minn m Papme t Due orthe Netr i3dm on each statement. You can cahod a paynumet koweve we cwt aeuiv e t eed teas notice at Worries days in advance lithe scheduled psymart You may ndly us by p!ere at 1-MG-347-260 orby mal at the address Not in the pnsuio s paragraph. N you payments may vary in amount we will tell you on each monthly statement when yaw permit will be made and how much d will be. Yo rAhtormafc payment amo ntrey be less than indicated on the monthly statement based w cm& or permits applied during le big q de. Cfadh Repor&o ft may repod irionnelon about your aocant b credl dreaus Lam paynenk, wwhistued paymat6, or other debulls on your account may be releded in your credl report. We normally report the states and payment history of yourAccasd b crei reporting age com each mordln. Nyou believe No our report is ieecrrtale a iimov a please write us at the following artless: Discover. PO Box 15316, Wiihhi glop, DE 19850-5316. Pleeee include you name, address, have lelephone number ad Aemmtear ber. Polak Fha ce Charges Ehvept as provided below, war wt. impose Periodic Fienoa Charges on purchases, cash advances and balance basews I gmig wlh to dale the transaction occurs urd ter data d mpayrrwd and on Old Balances; until the dam drepayuernl Old BWmm are mmpised d eter purchases and cads atoms made onorpia to the mast day of your filling period endrg ciurig February 1993 or Raserva Lie balances You can avoid payment of Paiodc France Charges on new purchases I you pay to New Balance shown on the bung statement on which On purchase fast appears by the Payment Me Date, and to Parma and Credits on that slamment equal orexceed your Previous Balance. yte cal this fw'grew period" You do not have a gape period an' ' r-ntraskrs or cash advances. Periodic Finance Chaps are imposed on now balance trarilans and cash athences beginning with the dale the transaction cars. Penodk Finance Charges are imposed an all kasacio s and Ofd Behaves urd Be dam of repayment. Repayment nears period of you entire New Belautw. itmasver, I you pay the New 8alaroe shown an Its trailing statement by ft Parted Due Dote, and Ow Paynents and Croft shown on this statement oqual or exceed Ire Puetous Balance we , will not impose Ptsiode France Chages an new purchases, ttM is, purchases 69 appearing on fait statement. I your Amont was closed as d (t September 27,1999; or (ti) August 31, 2001 and was famedy a DiscoverPrime Option, Discover NatiaelAlliance, br Species SurvivaF or ikdversal SbdosAccard: or (1n September 30,20M and was tamely a Discover Smithsonian Account. you an avoid payment of Peiodc Finance Charges gym pay to New Balance shown on this Sfakrtert by the Payment Due pate and is Parma and Credits on On statement equal or emceed your Previous Balm. Otherwise, you wi receive a baling statement ned mash list indicted Pei W& Pharos Charges reposed untl the dam d oeysymat We mmpkde Pawdr; Finance Charges each day for purchases, aaln advances, balance bo sous and 014 Babaces (which we tale to as transaction categories) by using V e bkwmg equation; Average Daily Balance x number of days in ft big period x Daily Periodic Rate. (Reerb le lave charge summary on the kohl d your s- ' - for them wnou nts ) . Then vie add all the Periodic Rom Chagas for each transaction a" b get to but Palodv Finance charges for your Account. The average Dady Bohm is stbnm as 01 w Peiodc Fna ce Chagas apply to the balance in a transaction category. We use the Average Daly Balance (nrtslhg new iansactims) aedhod of calculating the balance upon which we wpm Periodic Finance Charges. yde compute the average dally balance for each trxsacim category by adding up all Me ably balances !tie big period fare' aniekion category and dvidng the total by die number ddays h ore big cycle. yve Damp for each transaction category an each day by fiat adding to folomig to the previous days daily balance : tansacUas m edefnal days bes c ar ad toda g y and rges aoaued m lie povias days daily balance. and by fah ahlradrig any craft and payments that are applied against the balance of the transaction category on that day. Did Balances are axduded from to balance of tie prc arse and ash adage traiatbn categories. Special nab WISICe trausbre and Below Iia sl rToasecliw Fee France Charges are hided in to daffy balance bander Vivisection category Balance traslas let was subpd ban krfal special rate Oct has been lewmketed de b a be pained are also kvkded h the cwAm tn8 the krfial speaal rob *Wwwwohdd have epkei h alcttalg to daffy balance of to balance laser easactm ate0w7 an the lost try of to biting period, we subtract the unpaid balance of those Below Trenate Transadw Fee France Charges and balance Wanders; that bean purchase, ram balance triers on that day and we add that unpaid balance to to balance of the purchase transaction category AN kxs caged to your Account are added to the puc arse transaction calegay vA to exception of Cash Advance Trasatcim Fee Finance Charges which are added to the ash advance iwsadiw category and Babrnce TrasferTnasacfan Fee F n ince Gaga which ae ahded b the balance trailer transaction category. g e t awa6orh node in a previous Oiling period is ilem¢ed an fits seeeme 1, we consider Be Iransadorn dam tribe out kstday life current big period whhan we calalam your Periodic Have Changes. For TDO (1'slacommunlodlotu Device for the Deaf( assishince, plssss mad 1206-3N-714. tAscover may morrta olio wemrd telephone ills between you and Discoverrepress tafves faquaRy assurance purposes. The Discover* card is issued by Discover Be* Member FDC. OITBK056 DISCOVER New Balance Minimum Payment Due i $3,146.17 $137.00 Payment Due Date Apra 22, 2004 23 SDSN6A010007594 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Account Number ending in 4075 Enter Amount Enclosed Below $ Please make check payable to Discover Card. You are ovedimif. Pay the sum of the man* minimum payment plus the overlimit amount of $846.17 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover cardpapedess. PO BOX 71084 ???rar??sarrr?r?rs??ra?r?s CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Dixover.com. Print your e-mail address to (u1((u(nIloilo r1u1r(agill 1loll (u1u11n1nloll r1n(1 receive important Account inkxmation and special offers. OOOOa1986458999666235031461700000000013700 Discover Card Account Summary Closing DaN: March 23, 2004 page 1 of i Account number ending in 4075 Previous Balance :3,015.72 Payment Due Date April 22, 2004 Payments And Credits 0.00 Minimum Payment Due $137.00 Purchases + 70.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Tronfers + 0.00 Cash Credit Limit $1,200.00 F inonce Charges +6 0.4 5 Cash Credit Available $0.00 _ New Balance _ _ _ = $3,146.17 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonose Opening Coshbock Boma Balance $ 0.57 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 0.57 Cashbock Bonus® Anniversary Month: December How Can We Help P You? 1 Visit Discover mn to pay yaw bit for as test view your West Account infarmation, earn and redeem rewards and more Ctrs your choice - 3 ways to help 2. Call 1-800AISCOVER (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, Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. T a Past D te Other/Miscellaneous Mar 23 Mar 23 LATE FEE $ 35.00 Mar 23 Mar 23 OVERl1M1T FEE 35.00 Information for You Please note, the Traditional Cashbock Bonus award is now called the Purchase Cashbock Bonus award. ****"* ATTENTION ******* ATTENTION ***** ** ATTENTION ******* ATTENTION '•••"•• ATTENTION * * * * * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARM current billing period: 29 days Purchases $3044.80 0.0684746 24.99% F 24.99% $60.45 $0 Cash Advances so 0.06847% 24.99% F 24.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. l there is more than one page to On blip st Wment see Me back of each page for addiAOrad enpataat iftHMIlon. Co Sat ymmConf mtmbtr Agrsermd. You Cardmtarroa Agreement contains all the tenths of your Accaxt. a CO) z Lost or dolen cards. Report inxnednldy! Cal 1.100 3 T-26n y 0 Biig Right Summary. In Case of Errors or Questions About Yam Bill: t you t" your bill is wrong, or l you need more mior atio n about a transaction on yam bill, carte us on a t h t d Di PO B 4 $ separa e s paper at ee scover, ox 30 21. Sell Lake City, UT 64130-0021, as soon as possible. We must hoar from you no later tom 60 days aller we sent you the asst bill an o which the era or problem appeared. You can telephone us, but doing so will not preserve your dght. In you Wer, give us the blowing anhom alon: v Your name and Account number. The dollar amount of the suspaded are. Describe the era and explain. N you can, why you believe tors is an era. 9you need more infomhalim, describe the term you are issue about. X v You do not have b pay any Mount in question wide we are ineslgaUhg. but you are still obligated to pay the pats of your bill that are not in question. impestigate your While we question, we carat report you as delinquent or take any action to collect the amount you question. Special Rut tr Credit Cant Pkxdhases: If you have a problem with to quality of goods or services that you purchased wi6r a credit cad and you have hied in good fait b oared the problem with the merchant you may not lace to pay she repair" amourd due on the goods or sevioes. You have On protection arty when the purchase pace was more than $50 and the purchase was made in yourhome sale orwdo n 100 mles d yea mailing address. (l we own or operate to mordant, or d we mailed you the adverbarwt for to goods or services, as pu c bases are covered regi I... d I he amount or location of purchase.) Payment. Send sty yaw paymet and to top prior d ft stetemed n lw mvdope provided. Do rot send rash. By swd%you dedk as dmscrI above, you shiorme m b use x0 onmalim on you deck to make an electronic fund transfer tram your amount at the financial institution indicated om yam dede a b process the paymet as a dudk trasadon. If payment is processed as an elecionic Ind taste. the trander will be for In amount of the dnedk. Nairn we use informalim from your ct" to make an electronic lead trastr, fads may be wiltdrawn hum your account as som as l he same day we receve your payment and you will not receive your check back lam your anal ihskil ion. The pnocessrl of you payment may be delayed Iyou send cash, oamspo Bence or other tans with your paprent. Iyou send the payment to any other address or l you use an envelope odor firm the one provided. Payments reoeaved in proper form al our processing tastily, by 5PM local tame on any day will be credited to your Account asdlot day! Payments mcehed at our processing facility after 5PM local lime will be ueQSed to yaxAccout as of the next day. t you have misplaced your onvelope, send your payment 10 Dwover. P9 Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is renamed unpaid, we reserve the right to resubmit it as an electronic dept You can pay minimum payment or a greater amount ova the telephone, and you can setup automatic payment Cal us at 1-800347 2663. You wit steed this statement and y o rbei* grant nlameion. You must enema tat suited ku ds am available in you back account, and all tramactions no u nply with U.S. law. You we be riled b provide to Est 5 dgib d yo r a court statement ZIP code. By entering lase numbers as yea ebdrahic signs ve, you will be agreeing to his altairtmtian to allow us and you balk bded ud each payment you autlnrize Imm your balk ammnt and to i itale debit or credit eel- to your bank amouK as applicable, to eorredam on in the processing d such papmwrt. You cost Id US #* amount of each papnet, or you an select an amount such as de Minimum Payment Due or the New Balace an each statement. You can cancel a payment, howwewer, we must receive notice st least three business days in advance of the scheduled paymet You may notify is by phone at 1403472689 or by mail at the address listed in the prewias paragraph, t you payments may very in anuK we will let you on each montty statement when you payment will be node and how much it will be. You Automatic payment amount may be nos I Ilan indicated on ore no" statement (lased on tea i or payment applied during to biting cycle. Creftlitelpath We may report kfiamaim abaA you arrant b credit bureaus. Late payments, mused payments, or other defoulls on your arrant maybe relented in yam meth report We payment hisby cf yourAcco ut b aedt repoiirg agencies each nhord If you believe lea our report is i acamt or ncernpift please write us at the fo WW%adkkess: Discover, PO Box 15316. Wiringlon. DE 196505316. Please include your name, address, have telephone number and Account number. Perlodie Fiance Chagm Except as presided below we will impose Periodic Face Charges m purchases, ash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the cat of Mpayewrt Old Balances we composed of eilAa purchases and ash advances modem or prior to the last day of you biting period ending dung February 1993 or Restive Line balances. You can awed payment of Penodie Fnance Charges on new purchases I you pay the New Salaries shown on the big statement on which the purchase asst appears by t ha Paymat Due Date, and the Payments and Credits on to statement equal or exceed your Previmws Balance. We at this the grace pored' You do not have a grace period on balance transient or ash advarmaes. Periodic Finance Charges are imposed on new belace trashes and ash advances begimtrg *0 to date the tramachon ocnrs. Peiatic Finance Charges are anposld on at transactions, and Old Balahas until the date of repayment Repayment means payment of you entire New Balance. However, t you pay the New galena sheen on this big state rnem by the Payment Due Dote. and the Payments and Credits shown on this statement equal or exceed the Prawns Batama we . will not Impose Periodic Finance Charges on new purchases, that is, purchases last appearing on this surest. I yourAmou t was dosed as; of. (i) September 27.1989 or (k) August 31, 2001 and was fmnety a Discover Prince Option. Diox wer National Alliance for Species SunOAr or Universal Studios Account: or (s) September 30, 2001 and was tamedy a Discover Smithsonian Acmut, you can awed payment of Periodic France Charges t you pay the New Balance shown on this Staterned by the Papnent Due Dot and the Payments and Credits on this statamd equal or exceed your Previous Balance. Otherwise, you wl receive a Will stalmeW lied math that included Periodic France Chagas imposed until the data of repapne t. We compute Periodic France Charges each day for purchases, cash advances, balance transfirs and Old Balances; (which we refer to as trasactim categories) by using time Mooring equation; Average Daly Balance x number of days in the big period x Daily Periodic Rat. (Refer b to franca charge summary on to front of your stlemert ter tame amounts. ) Then we add as the Periodic Fiance Charges for each transaction category to get the total Periodo Finance charges for your Acmut. The average Daly Balance is shown as 0lro Peiodic Fiance Charges apply to the balance in a ttahatioh category. We use to Average Daly Balance (including new transactions) method of calculating to balance upon which we impose periodic Fnance Charges. We corpule the average daily balance for each transaction category by adding up at the daily balances in a bung period km a transaction category and dividing the total by to numbs of days in the big cycle. We ompise the ?g s accruedon it* previous days daily balance; ar tlhen subtracting arty aedts and py tat ore applied against the baler" dle transaction cat t Old Balances are excluded tam the balance d the purchase and ash advance haosadion categories, Special rate betahoe tra dm and Balahos TrarsforTransactm Fee Finance Charges are iclded n the daily balance to sfer transaction alagory! Balance tranders that were suNed to an initial Vocal rate Ma has been terminated due b a tae payment are also included in me category urd the W" special rate otherwise would have expired. In caipAring the deny betatce of Be balance transfer transaction category an the arse day of to i bit ng period, we subtract the unpaid balance of those Balance Trans* Transacom Fee Finance Changes and balance Warders Mat become purchase raw balance Wunsirs an that day and we add Ma unpaid balance to to balance of the purchase transacim category. AN fees charged to wAmout are added to the purchase tasectan alegory with it*exceplon of Cash Admm Trasaior Fee Finance Chagas which am added to the cash advance tka socien category and Balance Trarnsfer Transaction Fee Finance Ganges which are added to the balance Iwales transaction category l a transaction made in a prom" billing periods itemized on this statement we consider the to sadion date to be to asst day of to anent biting period Wm we calculate your periodic Finance Charges. For TOO (Tsleeomnhmhiations Device for the One assistance, please Call 1400317-7441. Discover may monitor andbr record telephone calls between you and Discover represetalves for quality assurance purposes. The Discover' card is issued by Discover Balk, Member FDIC. OITBKO56 New Balance DISCOVER Minimum Payment Due Account Number ending in 4075 $3,110.97 $70.00 Enter Amount Enclosed Below Payment Due Date $1 May 22, 2004 Please make check payable to Discover Card_ Y d h ou are ove imit. Pay t e sum of the monthly i i l h l f m n mum payment p us t e over imit amount o $810.97 23 SDSN6AOI HIXSON, JOSEPH Go paperer and make y? account 917 THORNTON DR iMarmalionmore secure with password- protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discover.com/paperless. PO BOX 71084 11111111111 still Is 111111111 CHARLOTTE NC 28272-1084 Address, email or telephone change? Print charge in space Inn?nllulur?r?lrnnlnln?un?ll?nrlnrlu?u?lnlulnlrln?l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235031109700000000007000 Discover Card Account Summary Account number ending in 4075 Payment Due Date May 22, 2004 Minimum Payment Due $70.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 dosing Dole: April 23, 2004 page I of 1 Previous Balance $3,146.17 Payments And Credits 137.00 Purchases + 35.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 66.80 New Balance $3,110.97 You may be able to avoid Periodic Finance Charges, see the reverse side For details. COshbo& lkxtuSe Opening Cashback Boma Balance $ 0.57 New Coshbock Bonus This Period + 0.00 Cashbatk Bonus® Anniversary Month: December Coshbadr Bonus Balance 0.57 Keep usinngg your Discover(R) Card and watch your Cashback Borws(R) award growl Remember, once Cashback Bonus award is at least 20, you can redeem your award by calling us or by kogging into the Account Center at Diseovercard.com. How Can We Help You? I visit Disc was `arn to pal' year b8 for no cast, view yoar P latest Account in6rm&i6n, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selfservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Writs us at Discover Card, PO fox 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Tr Date ans. Post Payments and Credits Apr 17 Apr 17 PHONE PAYMENT THANK YOU $ 137,00 OIIfor/Misceflansous Apr 23 Apr 23 OVERLIMIT FEE 35.00 Information for You Please rote, the Traditional Cashback Bonus award is now called the Purchase Coshbock Bonus award AN Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balonces Rates - RATES RATES _ CHARGES current billing period: 31 days Purchases $3147.69 0.06847% 24.99% F 24.99% $66.80 $0 Cash Advances $0 0.068479. 24.99% F 24.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. anPor W btrorrnetlon. (there is mote tan one page to On biting statement, see the back d each pop for ad6lioal inpatara idamatbn. vu Sea your Cnood-AgnamsM. Your Cadmember Ageement cnti ns all to tams dyow Amore Z Lost or stokn cards. Report imnadaldy! Can 140"7.2613. M D BWM Rights ilUMWY. In Cased Errors orG estim About Your Bill: n you think you hill is wrong, or f you need more idpnation about a transaction on Y bit, write to a ? u separalesheet d paper at Dfsove, PO Bak 30421, San Lake City, UT 84130-0421. as soon as possible. V& must hear from no dialer tan 60 y on days e0e we seeya ft kg bill m g which the efor or problem appeared. You an lelophom You theme and Account number us' but doing so will not preserve your rights In your 19W. give us to blowing inrmretiom: N The doter anoure of to suspected am. Describe Oo coot and explain, i you can, why you believe there is an anat. I you need more idoma6on, describe this Rem you are mitre abcul g You do not have to pay iy amount in question while we are nvesYgating. but you are still obligated to pay the pads of your td that are not in question. While we investigate your question, we camel reed you as delinquent or take any action to caked the annul you question. Special for C Card Pwdases: Y you have a problem we the quality of goods or services Gal you purchased with a aedd card, and you have tried in goal fain b cared problem with merchaK you may not have No pay remakhng amcurt due m to goods a services. You lave Oils protection only when to pradmw pia was mom tan 550 h he and to Purdre e was; m ade in afyournailing ym home d address (owe own oropaala one nhaaad, or i we mailed you not adverkaened for the goods or K i nof at services ptrdases are rove 6a Payments. Send only your payment and to lop patron of this statement in the envelope provided. Do not ser d cash. By sending yaw deck as described above you isitha ore us to 1 , use idamatlah on your deck to males an e - ' , e find barew from your amount at the fiancial ieftntion ndcale l on you dads or to process the payment as a deck transaction. O payment is processed as sn elacearc kind iwmk to eansferwi be for the arrwd dthe deck. When we use idorrnaem from your dads to metre an electronic mud l awfer . kinds may be willhdrawn from your account as son as to same day we receve you payment. and you writ not receive your dad bad from your iha vial Institution- The procesang d your payment maybe dellayed tyou sad rash. armspo deaoe a otaa them with your PaymoK t you send the payment to any Weer address a ifyou use an envelope Wna thel the one prattled. Payrenbl teemed in proper form at ourprocessing taaTly by 6M local One may day will be credited to yourAecoue as of tat day: Payments received at our processirg facility alter 5PM toed One wi be credited to your Acaud as dlhe next day. N you have misplaced yo remiebpe, send your poymerd b Diameter PO Bak , 6103. Card Steen. IL 60197$103. Passes allow 7-10 days for delivery. n your payment is retuned unpaid, we reserve The right to reathtni It as an electronic debit You can pay minimum payment or a geabammint am do btgNaone, and you an act up alomadc payments. Call us at 14W347-2693. You will need ft stalemate and your boric account information. You must mere Mot *Ak d kinds we available in your bait account, and a transactions must comply with U.S. low! You will be asked b provide to Oct 5 0* dyour account statement ZIPode.ByenWigtosenrobersasyoudeckoricsingnalumyouwibeagreeingbOrsaWlicito lonballowusandyawbadsbdeduct each payment you authorize from your bale accaint and on iilale debt or credit entries to your bat account, as applicable, to coned an error in are, pocestng of such paynee. You must lei us Ie amount of each pay or you an soled an amount such as the klinirmon Perm Due or the New Balance on each statement. You can cabal a payment however we wad receive , notice at bast three, buiskiess days in advance, dfa scheduled payment You may notify us by phone at t-800.347-2683 or by real at the address fisted in the previous pragaph. IF you payments may very in amount, we roil lei you on each mor" statement when your payment wit be made and how much it will be. Your Automatic payment amount may be less tan n*" on to m on ty sWanent based on aeft or payments applied dog the biking cycle. Cfedt llaporft We may report imfoniftem abed yaw account to credit bureaus. Lae payments. missed payments, or of err defaulls on your account may be meteccled n yourgzedit report. We normally report the status and payment history d ywrAcco nt to credit repaing agencies ea". on a. I you believe net our report is inaccuralea ihompift please wde us at the fobvi ng address: Discover. PO Box 15316, ft inglon, DE 19850.5316. Please include, your name, address, hone Ideplaone number and Account nwhbe. Peiedit Finance Chaps. Except as provided below, we will impose Periodic Fiance Charges w purchases. ash advances and balance transfers beginning with the date the trauactim occurs until to date of repayment and on Otd fyatom walk to dale of repayrhed. Old Balahas are comprised of either purchases and ash advances made on or to to last day of your biting period ending dung February 1993 or Reserve Line balances. prior You an avoid payment of Periodic Fiances Charges on new purchases i you pay the New Balance shovm on the big statement on which the purchase Ont. appears by to payred Due Date, and the Payments ad Credits on tat statement equal or exceed your Previous Balance. We Cal Min On -gas period' You do not have a grace period w balance hamsters or ash advances. Periodic Finance Charges are imposed on new balance transles and cash advances boom%with to data to transaction occurs. Periock Finance Charges are Imposed on of transactions and Old Balerhees until the date of repayment Repaynerd means payn rd of your enure New Balance. Noweve t you , pay the New Balance shown onfie hlklg stalerhde ty the Paymlent Due Data. and to Payments and Creft shown on this sWe at equal or exceed the Precious Bahince we . will not impose periodic Fi arme Charges on new purchases, that Is, pure rice first appealing an his slaereir t your Aoeains was dosed as at (f) Seplenber 27.1999, or a August 31, 2001 and was fiwnherty a DisceverPrime Option, Dlsover National Alia cis for Spades Survivalf or Universal ShrdiosAoowd: or n September 30.2001 and was ionnely a Discover Snithscom Aoownt, you on avid payned of Periodic Finance Charges t you pay the New Balance shown on In Statement by to Payment Due Dale and to Payments and Croft on Mils staleent equal or eoead your Previous Bale ce. Otherwise you wig receive a killing statement nod month Met ihdded P nd Fi , er c ance Charges imposed until an data d rePaMft We compule Periodic Finace Charges; gach day for purchases, ash adva cm balance transfers and Old Balances (which we refer to as transaction allegories) by using tie following equation; Average Daly Balance x number of days n the killing period x Daly Pew* Rate. (Refs b the lama charge summary on the fiats of your statement for these anorres ) . Then we add all the Periodic Finance Ganges for each transaction category fro get the total Periodic Finance charges l or your Account The average Daly Balaha is shown as 0 n no Periodic Finance Charges apply to the balemce in a trasadm category. We use to Average Daly Balance (ahdrdi g new transactions) method of alculethg the balance upon which we impose Periodic Fiance Charges. We ompu ss this average daffy balarwe for each transaction category by adding up all the daily balances in a bulling period fa a transaction category and dwidig the bat by In number of days in the bnig cycle We . gxumpute tle flaky halarce for each transaction category on each day by lit adding the following to the previous days day belace: transactions made ties day, fees charged that day and accrued on the previous days day balance; and by then subbaceng any credits and payments tat are applied against the balance of the transaction allegory on Old Belmoes are excluded lean the balance ate purchase and ash advance transaction alegoies. Speaal rate balace travelers and Balarm Twister Trannsadim Fee Finance Charges included in to daily balance border transaction category Balance transfers that were subject to an initial special rate the has been terminated de b a late payment are BW excluded in a* category unB the abet special rate otherwise ward have expired. In calculating to daily balarce d the balance transfer le mda ti fi d mn category on the rst day of tre billing period. we subtract the unpaid helace d Mote Balarm Twister Transaction Fee Fnmce Charges and halanc?e handlers tai become purchase rate balance bailers on that day and we add tat unpaid help cis b to balance of she purchase Vahaadaa category All Jeas charged to ym Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to to ash advance trefsactim category and Balance TransferTrensactim Fee From Charges which are added bore balance banister transaction category n a transaclim made in a revious p biting period is ile ized onthis saeemed, we consider the barsacbm date to be the first day d the Qrielat hdlg period when we alcutase you Perkxk Fwance Charges, For TDD (TMeamrmorckitoau Device tar the Oeaq asslebnce, please call 1-1100.W-7449. Discover may mayor ardor record telephone cots between you and Discover represereativee for quality assurance purposes. The Oisovwr' card's issued by Discover Boric, Member FDIC. OITBKO56 New Balance DISCOVER Minimum Payment Due' Account Number ending in 4075 I S3,245A9 $,43.00 Enter Amount Enclosed Below Payment Due Dab -- $ June 22, 2004 Please make check Payable to Discover Card. Y l f ou ore over imit. Pay the sum o the monthly minimum payment plus the overlimit amount of $945d9. 23 SDSNWI 0007586 HIXSON, JOSEPH Go paperlessand make your accaxit information more secure with password- 917 THORNTON DR protected statements a* you can access. MECHANICSBURG PA 17055-5752 Learn more at discover.cornfpaperiess. PO BOX 71084 111 119 111181111 Is 111 1 Is 81 81 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changef Print change in space 11111119111111111 111111 111111 1111 of pis1IIIIIIIIUII 11111318111 above, or go to Diseover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235032454900000000014300 Discover Card Account Summary Account number ending in 4075 Closing Dab: May 23, 2004 page 1 of 1 Payment Due Date June 22, 2004 Minimum Payment Due $143.00 Credit limit $2,300.00 Credit Available $0.00 Cash Credit limit $1,200.00 Cash Credit Availob6 $0.00 Previous Balance $3,110.97 Payments And Credits 0.00 Purchases + 70.00 Cash Advances + 0.00 Balance Transfers + 0.00 France Cboges + 64.52 New Balance - $3,245.49 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonuse Opening Coshback Boras Balance $ 0.57 New Cashback Bonus This Period + 0.00 -Cashback Bonus® Anniversary Month: December Coshbadc Bonus Balance $ 0.57 How Can We Help You? I Visa Discover cam to pay your bill for no rcoot, viewyour P kit Account information, can and r.de.rn r.warrh and more It's your choice - 3 ways to help 2. Cap 140ODMOVER (347-2683) for fast, easy self-service options or b spook with a Customer Service Account Manger Please hove your Discover Card available. 3. Write us d Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Silk Lake City, UT 84130 Transactions $0 Fraud Uolifity Guarantee use your Discover card with confider". Trans. Post Date Other/Miscoseneous May 23 May 23 LATE FEE $ 35.00 May 23 May 23 OVERUMIT FEE 35.00 Information For You Please rote, the Traditional Cashbock Bonus award is now called the Purchase Cashback Bonus award ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION * * * * * * * Your account is past due. Please pay the post due amount now, or contact us to make other arrangements. MW Charge Summary Nominal Transaction A Pa y ANNUAL ? Fee N rc Daily err odic PE KENTAGE FFN AN cE FINANCE Balances Rates RATES RATES CHARM CHARM curfent billing period: 30 days Purchases $3142.05 0.06847% 24.99% F 24.99% $64.52 $0 Cash Advances $0 0.06847% 24.99% F 24.99% s0 s0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. knpwW kdornsill hh. If tare is more than am page b fns bhling statement see the back of each page for addlaral important nformation. vi Ss your Cardnaem -Agraament Your Cakdmeniw Agreernekt matrons al le terms ofyourAccard Z LOW or stolen ands. Report imhed aely! Call 1.804317-2683. D 0 B!Wthg Riphk Sunhmary In Case of Ertas or Onestions Abort Your BR: H you think your bill is vu 0% or 1 you reed more in ormation about a transacbm on yo r bit wile us on a c at Dlsoa?, PO Bm 30421, Sell Lake 84130-0421. as soon as possible. ft must how kom you no Wer Vian ? a8er we sent you 6k W toil on p ? roblem doing so will not which 61e error or appeared. You can telephone us, but reserve your rights. In your law. give us I* jbbAowig ir(om Your name and Account number. The dollar an ow of the suspected ono. O1 Describe the error and explain. Iyou can, why you believe there is an error. I you need more NdoThlafOrh, describe le item you are ~a abort. X You do not have b pay any amount in question while we are investigating, but you are stn odigaled to pay Ire pads of your bit that are not in question WNe we iuesigak your question. we cannot repot you as delinquent or tale any acion to cNW to amount you question. Special Rub for Credit Card Purchases: I you have a problem win the quaily of goods a services MAyou punutased with a credit cardt and you have Wiled in good leis b coned Ike problem with the merchant you may not have to pay h remaining arnaat due an de goods or services. You have the protection only when the purchase pnioeam more Ian 550 and this purchase was merle in you hone state or wilhn 100 miles of your mailing address. (I we awn oroperale the merchant, a I we mailed you are ad for to goods or services, all purchases are covened regardless of the amount or location of puclase.) Payments. Send any your payment and tte top portion of this statement in la envelope provided. Oc AN send cash. By sendwg yore dads as desaLed above, you suM¢a us b use information on your dads to make an electronic bid transfer from your amount at he financial krsiYrim idcaled on your dock or to process the payment sa dadc Wasacim. I paymert is processed as an electronic fund banter, to kanskr will be for ft amour olthe deck Wien via use krform cam ham your deck to make an llec, ih lad hastier, kids may be withdraw from you account as soon as the same day we receive your payment and yowl not receive your deck bade horn yaw financial nsaion. The pmocessirg of your payment may be delayed if you send cash, conespandente or other larks with yorpsyment I you send the payment b arty of err afbss or iyou use an envelope other than the one provided. Payments received in raper form at our pwcessmg lady, by 5PM local Ins an any day will be credited b your Aceout as d 10 day. Payments received at our praxssng facility slier 5PM local lime will be aecilled to your Accont as of be raid day. I you have mimplaced your envelope, send yo rpaymstb Discover, PO Box 6103, Carol Sham. It 60197-6103. Please allow 7-10 days for do". I your payment is returned unpaid, we reserve to right to resubmit it as an electronic debit You can pay minimum payment or a Beater snout over the Wdeftene. and you can set up auto mak payments. Cal us at 1-800.347-2683. You will need this slelshent and your be* amount ktamstico. You must ensure tat sulident kinds are available in your hank account and all Yssacios must coney with U.S.law You will be asked b p wAds Ibis knit 5d'ghs of your amount statement ZIP code. By enbrng tlwsei numbers as yaw e!ediaic signahae, you will beayesi g b this aAarinlon b allow us and your bank bdedud each payment you aulnrn from your bank aoco rhl ad b n fats dbi or aedlt shies to your bank ww^ as applicable, bared an error in to processing of such payinea You no tell s Ire amount of each payment, or you can selad an amr curd such as la klknkman i'ayrsrt Due or the New Balsoe an each slalemerilYou can tai nod a pallima , hoilwa , we trust mown notice at lead Tree business days in advance of the scheduled payment You may nobly us by phone at 1-000.347-2683 or by mail al the address listed in the pnavias paragraph I your payments may vary in amount, WB will td you on each monthly sktemort when your payment will be male ad how much it will be. YourAubnalic payrnet aaoat may be iss tam indicated on the monthly slale to t based on credits or payments applied dtuing to biting cycle. Credit Reporting. We may report inks mais aboul your amount b credit bureaus. Late payments, missed payments, or ether defers on you await may be nlecled in your acct report We rximialy report the status and payment Ieatery of yourAUaan b credit reporting agencies each Mandl. M you believe tat our repot is f1aK7rae or ihoarpiele, plese write us at the blowirg address: Discover, PO Box 15316. Whnwmgbn, DE 19650.5316. Please include your name, aydress, hone Wephone amber and Accent number. Periodic Finance Charges Except as provided below, we will impose Periode Finance Changes on pwc ases. cash advances and balance transfers bow" with le dale the transaction scars will the date of repayment and on Old Balances until this dale of repayment OW Balances are comprised of either purchases and rash ordinances made on or prior b the lest day of your billing period ending during February 1993 or Reserve Line balanxs. You can avoid payrrand of Periodic Finance Charges on new pudaees if you pay the New Balance shown on the billing s ieent on which the purchase fist appeal by to payment Due Date, and the Payments ad Credit an that statement equal or exceed your Previous Balance. Waeai the the grace period" You do not have a grace period an bawoe Irwiderg or cash advances. Penock France Charges are reposed on new balance transfers and cash advances beginning with In dale the transaction occurs, Periodic Fnahoe Charges are imposed on all transactions and Old Balances will the dale of repayment. Repayment means payment of your enbre New Balance. However, t you pay to New Balance shown on ft billing statement by the Payment Due Date, and the Payine is and Cmft shomh on his slakmert equal or exceed the P0.tia w Balahoe, we will not repose Periodic Finance Charges on new purchases, that is, padases fig appearing on this statement I your Aroart was dosed as of. (i) Septebben 27,1999; or Cv) August 31, 2001 and was formerly a Discover Prime Option. Mom National Alliance for Species SuvavaP or Universal Studios Acmurt, or (q) September 31X 2001 and was bmely a Discover Smalaaian Account, you can avoid payment of Periodic Finance Charges I you pay the New Balance dam on to Sla oment by the Payment Due Dale and to Payrthet5 i and Crafts on th s statement equal or exceed your Previous Balance. Otherwise. you will receive a bang stalement nexd month that included Periodic Fwwm C hages klposed met the date of repayment. We cmnpule Periodic Finance Charges each day for purcases. cash advances. balance basfers and Old Balances (which we refer to as transaction calegones) b r using the f liming equation; Average Daly Balance x number of days in the billing period x Daly Periodic Rate. (Refer b the finance change summary an the fool of your satanhert for lase amounts.) Then we add all the Periodic Finance Charges for each trasaam category b get the foal Periodic Fiance charges for yon Accord- The average Daly Balance is sloam as O I re Periodic Finance Charges apply to the balance in a Warsac8on calegay. We use In Average Daly Balance (feuding new trasa tams) melnod of calculating to balance upon sttch we impose Periodic Fiance Charges, We compute Ite average duly balance for each transaction category by adding up all the daily balances in a billing penod for a trarsar5m category and dnvi ft the IM by Ire rumba of dap b Ire bring cycle. We compere the balance for each transaction category an each day by first adding the foifowing to the revilers days daffy balance: transactors made that day, fees dhamged that day and PW accrued on the previous days dilly balance; and by Oren subtracting any erects and payments That are applied against the balance of the transaction We caTego7an , Old Balances are excluded from the balance of le prrrdase and cash advance transaction casgodes. Special role balenc?e transfers and Balance Transfer Trarsocim Fee Finance Charges are included in le daily balance transfer trasacion category. Balance Warslers tat were sutilled to an filial special rah that has been termkaled due b a late payment are also ndnWed in the category till Ie in" special vale otherwise would have expired, in calculating the daily balance of the baance traster transaction category an Ite fist day of I he billing period. we sine act the tnpald balance of lase Balance Trasfer Transaction Fee Finance Chages and balance transfers that beoome purchase male balance tfanelGlS on that day and we add to unpaid balance to de balance of the purchase hansadion category. Al lees dnaged b your Account we added b de pwdase tra eacim category with der exception of Cash Advance Trasadion Fee Fiance Charges which em added to Ite rash advance transaction category and Balwoe Transfer Transacion Fee Finance Chagas which we added b to balance Wasfatrarsacion category. Ka hansamon wade in a previous birg period is Owned on tilts staleeanL we consider the transaction dale b be the first day of the current biting period when we calculate, you Perkift Finance Charges. For TDO (Telecommunications Device for the Deed) assistance, please cal 1400.347-7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quit assurance purposes The Discover' card Is issued by Discover Bank, Member FDIC. OITBKD56 New Balance DISCOVER Minimum Payment Due Account Number ending in 4075 l l d $3,186.29 ose Be ow $64.00 Enter Amount Enc Payment Due Date $ 1 -71 July 22, 2004 Please make check payable to Discover Card. l h f h l You are over imit. Pay t e sum o t e month y minimum payment plus the ovedimit amount of $886.29. 23 SDSN6A01 0007597 HIXSON JOSEPH Go paperless and make your account , information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discoverconVpaparkss• PO BOX 71084 ({{rn{{nnr{s{n{{n{s{r{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space {n{r{{u{ur{r{{ur{rr{r{nr{{{{nr{n{n{rr{{n{u{n{r{u{{ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235031862900000000006400 Discover Card Account Summary Account number ending in 4075 Payment Due Date July 22, 2004 Minimum Payment Due $64.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit limit $1,200.00 Cash Credit Available $0.00 (losing Date: June 23, 2004 page 1 of 2 Previous Balance =3,245.49 Payments And Credits 143.00 Purchases + 40.00 Cash Advances + 0.00 Balance Transfers + 0.00 Fnarrce Chor=es + 43.80 New Balance r $3,186.29 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 0.57 New Cashbock Bourns This Period + 0.00 -Ca"ack-R nuWAnnivetscry Month: December Cashback Bonus Balance 0.57 Keep =your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once your Cashback Bonus award is at least 520, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Het p You? I Visit Discover nom to pay your bill for no cost, view r l t t A t i f ti d d di? d It's your choice - 3 ways to help ccoun a es n orma on, own an re eem rewar an more 2. Cant 1-8006DISCOVER )347.2683) for fast, easyseff-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 Sant Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Tnm& Post Dais Dais Payments and credits Jun 15 Jun 15 PHONE PAYMENT THANK YOU $ 143.00 016r/Miscellaneous Jun 15 Jun 15 PAY BY PHONE PROCESSING FEE DBT 5.00 Jun 23 Jun 23 OVERLIMIT FEE 35.00 Information for You Please note the Traditional Cashbock Bonus award is now called the Purchase Cashback Bonus award. NOW While we are permitted under the Cordmember Agreement to increase the APRs on your Account because your Account was ovedimit, we have chosen not to do so at this time. We have terminated, however. any introductory or promotional rats 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 clue 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. Important frdormaton. 9there ks more than one page to His Ming statement, see the bad(d each page for additional nparlent idmaabon. a See your CaMmanWr Agrmamsrd Your CanSnemberAgreemdri ardam all the him of your Adxxxnt 0 Z Lost or slolen cards. Report immediately! Cal 1-MUT-2693. O/ D Billing Rights Summary. In Case of Errors or OuesbonsAba6 Your U H you link your bill is wrong, or l you need more knbrnnatiorn about a trasacion on your bill. retie e on a separate 0*0 of paper al Discover. PO Box 30421, SaI Lake (Sty UT 84130-0421. as soon as pose ble. We must hear from you net later Oren 6D days afar we, sent you to krst bill on $ which the enara probisn appeared You can teiaphorhe us, but doing so will not preserve your rights. n your kOer give a to Mowing information: .( Your name and Account comber. The doeramort of iw suspected era. 4 Describe the error and explain. d you an, why you believe there is an sm. H you need more kdanretion, describe tw Hem you are unsure about 0 You do not have to pay any amnard in question while we are investigating. but you are still obigaled b pay the pads of your bill that are not in question. Wlie we investigate you question. we cow report you as deirquam or take any action to oiled the amount you question. Special Rule for Credit Card Purchases: Hyou have a problem with the quaWy of goods or services that you purchased with a credit card, and you have roiled in good faith to correct the problem wdh One rtwrdhad you may not have b pay tie remaiing ~due on the goods or services. You have ft pnobdon only when rw puduse pnie ryas more than $50 and the purdiese was made in your have stale orwihin 100 miss of your mailing address. (Owe own or operate to merchad, or itwe mailed you Be advertisement for le goods or services. s1 purchases are covered regwdeas d the amnauM a kncalon d purcrese.} Payments. Send orgy your payment and the top portion of this spa ev erd in the envelope provided. Its not send ash. By sending your dwdc as described above, you aaNedze us to use idamalon on you died b molts an decbonnic lend Wader from your account at the financial institution indicated an your died or to process to payment as a deck trareslion, H payment is processed as anekcft* knd trawler, the Wander will be for the amount d tw cecce When we use kdamaim from yorrdhedk b make an otecfr, ' lend banster , leads may be wibdawn horn your accord as soon as the some day we receive you payment, end you will not receive you check back km your tinahdal iwfwlrn. The processing of your payment may be delayed Iyou send cash, correspondence or other km wilh your per. if you send the payer to any olner address or I you use an envelope of er than to one provided. Payments received in proper form at our processing faaky by 9W local lime w any day will be gadded to your Account as of thd day. Payments received at our processing Wily aler.SPM kcal lime will be credited to your Account asnf the read day. I you bave misplaced yam evege, sand your pqvwd to Disooner K) Box ? 6103, Carol Stream. L 60187-6103. Please allow 7-10 days for delivery. H your payment is rel reed unpaid. we reserve le right b resubmit it as an efecker a debt You can pay mi im m payment or a Wreaker amount over lhe telephone, and you can set up automatic payments. Calf us at l4W347-2683. You will need this stsiament and your bank account olormakon. You must ensure that affa d Ju ds are ava2able In your bank account, and 49 transactions must comply with U.S, lea You will be asked to provide the het 5 digits of youraeoourd akelernwrd Moods. By arAa*q those n ur bers as your eleckork signature, you will be agreeing to this auOarization b slow us and your back b dsdudeadh payment you a Whose km your bank account, and to Mass d" or credit entries b you balk amount as applicable, to coned an aura in to processing of such psy+mad. You must fed us the each Payment. or you can seed an arrant s ich as le Warman Payment Due or the New Balance on each statement. You an ancid a peynwe, however we met mo im amour , d noboa Ind three business, days in advance of the scheduled paynat You cosy no* us by plane at 1.808.317.2683 or by mail at fe address Mad in the preview paragraph H Y fits very n amount, war wsl ter you on each moldy stetanent wten yam payment wi be made and how much l will be. YourAdomatc payment anoud maybe less Iran nd caled an the nwntly sletsment based on d, N 11 or payments applied during le baling cycle. Croft Reporting. We may report frdormation about your sccorrt to credit bweaus. We payments, missed payments, orolher defaults on your account may be re/ecled in you credit report. We nonmaly report the status and payment hddary ofyourAccvu t b credit reporting agencies each mange. If you believe Ind our eiport is i eccurale orfrranrpehe pease wrle , us al the blowing address: gs cow, PO Box 15316, yV&ringkn, DE 19850.5316. Please include you name, address, thane kdephae numberand Accout riu ber. Pwm k Fkw m Chagas. Except as provided balm we will ipcee Periodic Finance Charges on purchases, asb advances and balarhce tars(es begining wire lie dalethe transaction occurs u r@ the dake of rpsymerd and on Old Balances will the dale of repayment. Old Baiahces am comprised of either purchases and rash advances made on or prior b the last day of your billing period ending during February 1993 or Reserve line balance. You can avoid payment of Periodic France Changes on row purchases it you pay the New Balance shown on the billing staleme d at which the prdhase list appears by le Payment Due Dak, and the Payments and Credits on that statement equal or exceed you Previous Balance. Ron call On te' grece period" You do not have a grew period on balance Iahskrs ' or rash advances- Periodic Finance Charges am 1, ,, on new balance transfersand ash advances begrAng with the date the Wadacion occurs Periodic France Charges are imposed an s1 traansadions and Old Baenhcews unit the ride of repayment Repayment means permit of your entire New Balance. However. H you pay the New Balance shown on this tiling statement by the Peyrrot Due Dale, and tw Payments and Credits shown on tie sklemal equal or wood lw Previous Balance we , will not impose Periodic Finance Charges on new purchases, that is, pnudwses first appearing on In staemad. I your Amount was dosed as at () Sepkmbar 27, 1990; or (ti) August 31, 2001 and was khmneily a Disraer Prime Option. Discover heronal Affiance for Species Survive or Universal Studios Acaart or @4 September 30, 2001 and was kxmerly a Discover SndtlwonianAc=A you can avoid payment of Pm & Fiwnce Charges 7 you pay the New Batsnhw shown on On Siderne d by the Paymart Due Owe and to Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise, you will receive a bft statement red month that included Periodic Fiance Charges imposed urd de date of repaymerd. We cony le Periodic Finance Charges each day for purchases, cash advances, balance banslens and Old Mahces (which we refer b as transaction abgaies) by using on lobxrig eyuatio n; Average Daily Balance x rarnbet of days in the big period z Daly Periodic Rate. (Referb I he lnance dwge summary an lw Wort of your slawme nt for twee amou ta ) • Then we add all the Periodic Frwnce Charges; for each Wnsadim calaim to get the total periodic Finance charges for your Account. The average Day Balance is shown as 01 no Periodic Finance Charges apply to the balance in a trawacWan eakgory. V% use ? A Daily Balance (ndudwg new transactions) method of calculating the balance upon which we impose Periodic Fiance Charges. We oprymte do average daily alegony by adding up al l e dory banners in a bilng period for a bansadm afagonyr ad dvidrg t e bled byte numberof days in lw burg qde. We wmqu e tw dally balance for each transaction category an each day by hat adding the baowWg to the previous days daily balance : bansadbw made that tax bas charged that day ' and awned on the previous day s daily baknw; and by than subtracting any credts and payments that are applied against the balance of the transaction abfgory on pla Okd Ba{arncea are exdided Wan Me balance of tw purchase and cash advance transaction categories. Special mk balance Irensters and Balance Thad er Transaction Fee Finance Ciwm,)es are ihckded in the daily balance Wansfer trawaaim category. Balance transfers thal were subject b aninel special cob to has been lemlmali d due ba We payment are also Included in tlw ab gaq unlit to initial special rate of erwise world have exp ail. In calculating the daily baferuce of the balance bar a% trans ti l e ? ac on caeegay an e W day of the biOng day and panod, we add that unpaid the unpaid balance this balance hoe of those of &Win Transfer Transaction Fee From Charges and balance transfers own became purchase role balance transfers on Ind prchase transaction category. Al lea charged b your Account are added to the purchase transaction caegory with the exception of Cash Advance Transaction Fee F•runce Charges which are added b the ash advance transaction category and Balance Trans* Transaction Fee Finance Charges which are added b tw balance bansla transaction category. I a transaction made in a premm bill" period is harried an this stdemeK we consWer the transaction date to be the last day of the current billing period when we cakxtds your periodic Finance Chargim Fa MD (Tekammmmicatom Device fa the Deaal) aftsennce, pima cal 1400.347.7449. Discover may mom br ardor record telephone als between you and Discerner representatives for quality assurance purposes. The Dbwver* card is issued by Discover Balk, Menhber FDIC. OITBK056 DISCVER Per. HIXSON, IOSEPH (DISCOVER 1 Account number ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Peerless Statements and you con help save over 70 million pages per year. You'll also be helping yourself to 24 months of possword-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/poperless and sign up for Paperless Statements today. ®2010 Dfxo r Bank, Member FDIC 16 V4 PPRGRN.0810 Closing Dale: June 23, 2004 page 2 of 2 Congratulations to the 2004 National Discover(R) Card Tribute Award(R) Scholarship winners: April Alvarez, Vladimir Duboyskiy, Ji Guo, Jamie Hargrove, Kristian Henderson, Yuji Huang, Jessica Mann, Brian Manahan and Holy Walker Each won $27,500 for post high-school education or training. Visit Discovercard.com/tribute.htm to learn more. Save 10% with Discover(R) Card at Comfort Inn(R), Comfort Suite*), Quality(R), Sleep Inn((), Cksrion(R), MainStay Suites(R), Econo Lodge(R) and Rodeway Inn(R) by 12/31/04. Cal 800-ACHOICE and use 00801242 or click the Special Rate link at choicehotels.com. Restrictions apply. Cannot combine with other offers. Advance reservations required. Identify theft complaints to the FTC increased 33%; from 161,836 complaints in 2002 to 214,905 in 2003 (Federal Trade Commission, Jan. 2004). Enroll in optional ProfileProfect(R) dr we will _send youu a copy of your credit report & monitor your credit fib every business day - tools to help protect you from ID theft. Call 1-866-708-0672 to enroll. Lock Your CD Rate Todayl Mow fort to lock your Certificate of Deposit interest rate with Discover(R) Bank's lost and secure CD Electronic Depositl It's the easy, safe way to hind a new CD or add kinds to a maturing Diseovw CD dkedy from your bank account. Visit www.discoverbank.com. Mention code SCO604P when you open your CD. Member FDIC. 89h Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE FMCBMAGE FINANCE FNANCE paid nces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3226.76 0.04381% 15.99% F 15.99% $43.80 $0 Cash Advances $0 0.04381% 15.99% F 15.99% $0 $0 The rants that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Dtscover.com or call 1-800-DISCOVER (1-800-347-2683). 8458833 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $3,298.43 1 $130.00 Enter Amount Enclosed Below Payment Due Date August 22, 2004 Please make check payable to Dixover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of 23 SDSN6A01 00075M $998.43. HIXSON, JOSEPH Gopaperlessandmake your account information more secure wills password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discovercomlpoperless. PO BOX 71084 Illrsr?lsrsrs?s?srllrrlsls CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrlrllnlnrlrllrolarlrlnrllllrrrlralrrlarllrrlolnlrlrall above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235032984300000000013000 Discover Card Account Summary Account number ending in 4075 Payment Due Date August 22, 2004 Minimum Payment Due $130.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 Closing Date: July 23, 2004 page 1 of 2 Previous Balance $3,186.29 Payments And Credits 0.00 Purchases + 70.00 Cash Advances + 0.00 Balance Transfer + 0.00 Finance Gramgas + 42.14 New Balance - $3,298.43 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshbock Bonus Balance $ 0.57 New Cashback Bonus This Period + 0.00 Cashbaek Borius® Anniversary Month: December Cashback Bonus Balance $ 0.57 How Can We Help You? I Visit Drace wAwn to pay year bill for no cot - your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8"SCOVER (347-2683) for fad easy selfsavice options or to speak with a Customer Service Account Manager Please have your Discover Care! 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. TDatararts. Post altar/MisWBss,W us Jul 23 Jul 23 LATE FEE $ 35.00 Jul 23 Jul 23 OVERLIMIT FEE 35.00 Information for You While we are permitted under the Cordmember Agreement to increase the APRs on your Account because your Account was ovedimit, we have chosen not to do so at this fine. 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 outdonding 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 Defauk Rate Plan section of the Cardmember Agreement for details. ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ARIGS111W * * * * * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 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 to enroll today. Important Information, If there a more Von one page to In dolling statement, see In bads of each page for additional important information. Sae your CaMmanberAgmawd Your Ca*mmberAgreement contains althetermsdymAccount. Lost or stollen cards. Report immedismly! Cal 1.500.347.26113. BOrig Rigfs Summary. In Case of Eras or Ouestiord About Your Bill: 0 you think your bill is wrong, or I you creed more information about a sansadoru on your 4f, write us on a separate sheet of paper at Discover. PO Box 30421, Sao Lake City, LIT 84130-0421. as soon as possible- We must hear cram you no later Oman 60 days der we ant you the list bill m which the emor or prMern appeared. You can telephone us. but doing so will not preserve you rights. b your killer, giae us the k1lowig information: Your name and Account number. The dollar amount of #a suapedad mom. Desarbe the nor and explain. A you can, why you bel rve Setae is an error. 0 you need more iiornsYorh describe the ile m you ore unsure about. You do not have b pay any smart i question "we are investigating, but you are sd oblgaled b pay Sue pats of you big riot are not n question. lrlrle we invedlgab your question. we cannot report you as dmhfi WW or take any action to collect the amount you question. Spacial Rub for Cie& Card Prrdwas 0 you tae a problein with #a quality of goods or services fiat you purchased w ilh a credit cad. and you have tied in good lab b cored the problem with the merchant. you may rot have b pay the remaining amour due on the goals or services. You have the protection only whet the purchase price was roe than 150 and the purchase was made ion your here stale orwithin 100 miles of youmaifimg actress [Nwe own oro, the merdhad, or Awe mailed you the adrer5sanailforrie goods or services, all purchases are covered regardless of the amount or bca0on of prxdese.) Paymmb. Sall only you payment and the top po lim of this staAmerd in the envelope provided. Done! sand cash. By sending yam check as' bi abore you auicree us to use irdmnsoiah on your check b make an dedionic lu d bander from your account at On financial indiafcn iudcaled an your duck or to process the psy est sa dad transaction. 0 paynerd a pocessad ore ane - , , ie Ju d bander, the Vander will be for the grout of the dheclL Whet we use trtormat on prom yo r dnecic to make an ebuaomie kad traskr kids maybe wAhiYsrm from yo raccdnrt as soon as to sane day we receive your pay iert, and you will not receive your duck back from yo r kwerad irYfon The processing of you payment maybe delayed Ayou send cash, correspondence or other flans with you payment, ilyou send the payment to any other adbes or # you mew envelope oto than the one prided. Payments received in pope form at our pocessig facility by 9W local Well on any day will be aedbd to yo rAccwtsdthatday. Paymois received at err p ma ig fairly ahw 5PM kcal time will be aWbd td you Accoult as d Ste ned days I you time misplaced yourenvebpe, send Wisaymsscb Discover, PO Boa 61103, Card Stream, IL 60197-6103. Pbse allow 7-10 days for delivery. 0 you paymat a retumed unpaid, we reserve the right b resubmit it as an deltaic sift YOU can pay minimum payment or a greater amonl over the telephone, and you can sit up aulamak payments. Cal us at 1-800.347-2683. You will need la sbbmmantand yo rbank account irtamnatim. You must ensue that adidanl fads are available in your bank account and all sansacims must comply with U.S. IM You will be allied b povide the fret 5 digits of you account statement 2P code. By a" thcee numbers as you electronic signabre, you vibe agreeing b this aAaa®Om b allow us and your buttbdeduceach payment you altonze from you bank account, and to i flab debit or credit entim to your balk ancouK as appI " to coned anerror in the processig dsrh puymueet Youmust tel us the amount kthree des or you can aced an arrant such as the WmtNn Payment Due orNr NmBdwm one" sideman You can cancan a paym K bowever we mad receive nooce days ice advance Brie sdsddcd peynert. You may notify us by pihmeat i-M347,2683 a by coal at the addes Oster fn le pevious peagnapte N your permits may vary in smart, we wil bl you on each am" sblaneMwhen you paymed wit be made and how much it will be. YouMlcenalc paymert amour maybe less then Indicated on the mommy aI-- - 'based an , 1 1- or payments applied during the billing cycle. Cred l Reporting. We m ay repot inhformr sk rout your account b cede bureaus. Late payments. mbeed payments, or other defatts on yam account may be releced b you credit report. We nom* report the stabs and payment hiatory d you Accent b cedt repcib agoom each made. !you befewe that err mpot is i acc rab orimcamplete. pleas wok us at the following address Discover. PO Box 15316, Mmiglou, DE 198503316. Please Include you name, address, hone telephone number and Account number. Periodic Fmnanca Charge. Except as provided below we will rpm Peraft Finance Gerges on, purchases. rash advances and balance Waders beginning era the dale the transaction occurs until the date d repayment and on Old Balances unW the dab d repaym rt Old Balences we nonipread of either purchases and cash advances made on or prior b the last day of your bi5ng period endsg during February 1993 or Reserve Line balances You can avoid payment d Peiiode Finance Charges an new purchases A you pay the New Balance shown on the big stilanlam on which the purchase bell appram by the Payment Due Date, and the Payments and Credits on that slalarsnt erpel or exceed you previous Balance. We al the to Vace period" You do not have a grace period on balance kaalas or cash advances, . Periodic Finance Ourges are imposed on new balance sanders and cash advances beginning with the dale the transaction occurs. Periodic Fiaance Charges are Imposed on all bansactios and Old Balances will the date of repayment Repayment means payment of you entire New Barbra However. I you pay the New Balance shown on to bung slatemat by the Payment Due Date. and the Payments and Crafts dam on des stalemeM equal or exceed the Rams Balance, we wil not i pose Periodic France Charges on new purchases, let is, ptrdases first appeaig onto stabrrent Nyour Account was dosed a sot. (!) Se lembet 27.1999; or () August 31, 2001 and was lon edy a Discover Prime Option, Discover National Alliance, for Species SuvlvaP or Lkihersal Sbtlics lli w or (Y) September 30, 2001 and was formerly a Discover Sm an Aanut, you an avoid payment of Periodic France Charges W you pay the New Balance shown on his Sblmom by the Peynotoue Dab and the Payments and Credits on the stalarert equal or exceed you Previous Balance. Otherwise. you will mmW a piling statement nod month that included Pedotic Finance Gorges Imposed unit the date of repayment 1Me compute Pedodc France Charge each day for purchases, cash advances, balance tadkrs and Old Balances WKh we refs b as tri section abpoies) by using the billowing equation; Average Daly Balance x nanbeeddays into biting period x Daily Periodic Rale. (Rderb tie truce, change summary on the Bent dyer sblanat for these amounts.) Then we add all the Peibdc Ria rim Gorges for each transaction category b get the btal Periodic Finance charges for WAccont. The average Daily Balance is shown as 0 A no Periodic From Ganges apply to #a balance in a transaction category. 1Ne use the average Daly Balance lIndudrg new sasackons) method of calculating the bawce upon which we repose Periodic France Charges. We oompde the average dally balance for each umsaction abgory by adding up all the daily balances in a big period for a Ymaclim category and dnidirg to !dial by the mrnber delays in Ie big cycle. We compute the daily balance for each trasacim category m each day by first adding the klasing brie priencus days daily balmee: sasac6as made 00 dog bes champed let day and gas accrued on the previous days daffy balance; and by then subtracting any cells and payments that are applied against the balers of Be bare acbm cebgory o Old Balances are excluded San Ie balance of the purchase and cash advance transaction esegodes Special rate balance sansfem and Balance Trader Ttansadm Fee Finance Charges are included in the dally haI bander transaction category. Balance transfers that were abject b an iiYal special rao that has been lerminaled due b a ble payment we also included in the cefegory until the ihilal special rate aterwise would have expied. In calculating the dally balance d to balance transfer trada tin category on the list day of the billing period, we subtract the unpaid balance of those Balance Trander Trasachon Fee Few= Chagas and balance madras that become purchase ale balance l andem on that day and we add that unpaid balance b the balance of the purchase transaction category. Al ka charged k youAtcar we added to to purchase sasac6m category with the exception of CashAdvanee Traoactim Fee Finance Chagas which are added to le cash advance transaction category and Balance Tra d r Tramsaion Fee France Charges which we added b the balance trader transaction category. N a traroac.. media in a previous dlig period's tem¢ed m Oho stalimmi we consider the trmsaclim dale to be the test day d to anent billing period when we calcud* you Pabdie Fi arm Ctorges For TDD {Telecommunications Device for the Deaf) assistance, pteae cal 1 347-7449. Discover may monitor andlorreood teiephorne txhls het aeeru you and Discover represmbswes for quaily assuanoe purposes. The Discover- card is issued by Discover Be* Member FDIC. OITBKD56 DISCOVER Ir PWIS to HIXSON, JOSEPH DISCOVER __. Account number ending in 4075 Go green. Go paperless. Join the effort to save frees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 miNion pages per year. You'll also be helping yourself to 24 months of password-protected, skdement history, complete with merchant names, locations and zip codes. Go to Discover.com/papedess and sign up for Paperless Statements today. 02010 Di- Bank, Mem6w FDIC FPRGRN.0810 Closing Date: July 23, 2004 page 2 of 2 Everything You Need To Know - In the Account Center. If you need to know exactly how much you spent on your shopping spree last weekend, wouldn't you rather find out now than wait far your next statement2 Go to the Account Center at Discovercard.com to find out what's going on with your Account before your statement arrives in the moil. 8MR&I Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNANCE FNANCE Bak?ic ss Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3206.61 0.04381% 15.99% F 15.99% $42.14 =0 Cash Advances $0 0.04381% 15.99% F 15.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rated above. Questions? Manage your account at D'tscover.com or call 1.800-DISCOVER (1 .800-347-2683) 8458833 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $3,348.95 $133.00 Enter Amount Enclosed Below Payment Due Date $ Sepbmber 22, 2004 Please make check payable to Discover Card. f h h You are ovedimt. Pay the sum o t e mont ly minimum payment plus the ovedimt amount of $1,048.95. 23 SDSN6A01 0007599 HIXSON JOSEPH Go paperless and make your account , information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 earn more at discovercattlpaperless. PO BOX 71084 111 111 1 loll 4111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone chargO Print change in space ?u{r?{nlurlr{{urlulrlun?{{{nnln?u{n{lulnln?r?n{{ above, or go to Discover.com. Print your e-mail address to receive important Account informolian and special offers. 000001986458999668235033489500064000013300 Discover Card Account Summary Account number ending in Payment Due Date Minimum Payment Due Credit lima Credit Available Cash Credit Limit Cash Credit Available Closing Dale: August 23, 2004 page 1 of 2 4075 Previous Balance $3,298.43 September 22, 2004 Payments And Credits 64.00 $133.00 Purchases + 70.00 $2,300.00 Cash Advances + 0.00 $0.00 Balance Transfers + 0.00 $1,200.00 Fisrrce Charles + 44.52 $0.00 New Balance _ = $3,348.95 - - You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonus! Opening Cashback Bonus Balance $ 0.57 New Cashbock Bonus This Period + 0.00 Cashbadc Bonus Balance $ 0.57 -Ca"=k-Bonus6r Anniversary Month: December How Can We Help You? I Visit Discaverxom to pay your bill! for no cost view P latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8MDISCOVER 1347-2683) for lost, easy selhservice options or to speak with a Customer Service Account Manager Moose 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. Pest Dab Date Payments and Credits Aug 4 Aug 4 PAYMENT THANK YOU $ -64.00 Other/MuceManeous Aug 23 Aug 23 OVERLIMIT FEE 35.00 Aug 23 Aug 23 LATE FEE 35.00 Information For You While we are permined under the Cardmember Agreement to increase the APRs an your Account because your Account was overlimit, we have chosen not to do so d this time. We have terminated, however,-vnq.imtroductory or promotional rate on purchases and any special balance transfer rds, mid 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. *4W-VTENTION .****** ATTENTION ..t.... ATTENTION ******* ATTENTION ....... ATTENTION * * * * * * * Your accent is past due. Please pay the past due amount now, or contact us to make ot1w arrangements. Lock Your CD Rate Todayl Move fast to lack your Certificate of Deposit interest rate with Discover Bank's fast, free and secure CD Electronic Deposit! lt's the easy, safe way to fund a new CD or add funds to a maturing Discover CD directly from your bank account. Visit www.chscoverbank.com. Mention SC3G104PC when you open your CD. Member FDIC. By paying ur bill by check, you agree to the processing of your payment electronically. If your check is processed electronically, t is possible the funds will be withdrawn from =checking account on the same day we receive the check We are not enrolling you in a direct payment program; your check is still needed to initiate your payment. Ynpatant b(mrna m l there is more than are page loft big statement, see to hack of each page tar additional inporwt information. _ Go Sea your Cardmanbat AgreemaM. Your CadnembwAgreame t contains all the terms of your AccounL r?ia Lost or obtain ands. Report immediaW Cal l4W347.2653. z D Bhing Rights Summotryr. In Can of Eras or Questions About Your Bill: If you think your hi is wrong, or i you need mere inomntiorh shout a transaction on your Di, write us on a separate heel of paper at Discover, PO Box 30421, Sall Lake City, UT 841304)421. as soon as possDle. We mat hear from you no later then 60 days offer we sent you the fkst bit an $ whidn the era or problem appeared. You an telephone us but doing on will not preserve your rights. In your MW give to the kbwkg idamahon: 4 Your name end Account number. The data amount of the suspected error. Describe the era and explain, l you can, why you behave Mae is an error. If you need more intamnaion, describe ft lem you are unsure about. x 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 bit ow are not in quesim. Mae we investigate, your question. we cannot report you as deft quent stake any action to called the ancud you question. Spodal Ruh for Credit Card Purchases: l you have a problem with to quality of goods or services that you purchased with a credit card, and you have tied it good faith to coned to probtan with the merchant. you may not have b pay the vernaililg amont due onthe goods a sw &m Yau have th6 prdedm any Wsn Ile and tine pudmse was made in your home stale or whin 100 miss of your maing address. (N we own acperate h merdwrn or iwe mailed you the advertisement for the gooddsor services, al pusses are covered regardless of the amour or location of purchase) Payments. Sad only your parrot and the top portion of this statement In the envelope provided. Do not send cash. By sending your check as described above, you adhorim us to use Information on your check to make an eledro is fund transfer from you account at Be framcid i ellution ndrated on you creek orb process the pornern as a dads trarweelon. l peymern is processed as an efaartok fund transfer, the tteafa wit be for One amoua d the dhec. When we use wdom aim kern yu duck b maba on elector c? Uud transter funds may be withdrawn from your account as soon as the same day we receive you payment, and you will not receive you chock bads from your fnaatlat imikrion. The ProcessaB of your parrot may be delayed if you sod cash, correspondence or other items with your payment, iyou sod the papa rt to any other addmn or i you use an envelope ago for the one provided. Parrenls received in paper form at our processing faeily by 5PM local time on airy day will be credited b your Acoastas d Not days Payments movived at our processing facility alter 5PM local time will be credited b your Account as of the next day. l you have displaced yacenvelope, sand you paymen to Discover, PO Box 6103, Card Stream, IL 601976103. Please allow 7-10 days for del very If your payment is returned unpaid, we reserve the right b tesubnpl it as an ebdmtim debit You can pay minimum payment or a greater amain am In Weptnone, and you can sot cp automatic paymets. Cal us at l4W347-2683. You will need ft statement and your bank account inkumwion. You must arses that sul6ciod fonds are available in your bent acmunt, and al transactions; must an*vMh U.S. low. You will be aslant to provide the fist 5 cgs of your accord statement ZIP code. By ardent those numbers as yaw electronic signature, you will be agreeing to this auMinlon to allow, us and your bank to deduct each paymrtrd you auMOize fan your bads account and to it** debit or credit entries to you bank amend, as applicable, hood anencr n the processing of such parrot You must fall us the amount of each payment. or you can select an amain such as the Wmmun Payment Due or the New Balance on each Mused. You can cancel a payment, however, we must receive notice at bast three business days In advance of the sledded payment You may notify us by phone at 1 00.347-?663 or by real at the address isled in Me previcrs paragraph. 8 you payments may vary in amour, we will kit rat an each monthly statement when your payment will be made and haw much 0 will be. Your haratic payment amour may be foss then idicaled on the waft statement based an credits or payments applied clung the biting vide. Credlt Reporlbl. Mfa may report information about your amount to credit bureaus. Late payments, rrissed payments, or diva dalada an your account may be rdbcted in your credit repot. Wa normally report the stales and parrot hney of yarAccoun to credit reporting agencies each morph. If you believe 00 our repot is roan ile ancomplai pbaee write us at the blowing address Discover. PO Box 15316. Wilmington. DE 19850.5316. Please include your name, address. hlne Weptuohs numberandAocount number. Pat le Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance honaler begins g win the date Me transaction emus until the dale of repayment and on ON Balances trd the date of reparrent Old Balances are composed deicer purchases and cash advances made an or prior to the last day dyer billing period ending during February 1993 or Reserve Line balancm You can avoid parrot of Periodic Finance Charges on new ptrchases i you pay the New Balance shown an the biing statement our which the purchase first appears by the Payment Due Dab, and the Permits and Credit on that statement equal or exceed your Previous Balance. Mee cat thfa the'gra:e pared' You do not have a grace period on balance transfers a cash advrareft Periodic Finance Charges are imposed an new balance transfers and cash advances beginng with the dab the tra satim occurs. Periodic Prince Charges am imposed on all transactions and Old Balances anti the dab of repayment. RcpaymeM own parrot of your anlre Now Balance. However. l you pay the New Balance shown an this big statement by the Payment Due Date, and the Paymems and Credits shown on this sbkinan equal or exceed the Previous Balance we , will not impose Penodc France Changes on new purchases, Met is, ptadnases first appearing on this statement. I your Acmhntwas dosed as at. (I) September 27,1999: or (ti) i August 31, 2001 and was brmerty a Discover Prime Option. D scover National Aiance for Species SurvivO or Universal %dosAccoonL or M September 30.2001 and was lonnedy a Discover Smithsonian Account, you can avoid parreKd Periodic Finance Charges if you pay the New Balance sham an his Statement by the parrot Due Dab and the Payments and Credits ontins statement equal aexceed you Premn Balance. Otwmw, you wit receive a big sWMment need month that included Periodic Finance C mrges imposed until the date of repayment ft corrpule Periodic Finns Charges each day for purchases, mash advances, balance transfers and Old Balances (vlndn we rater to as transaction categories) by using the blowing equation, Average Daly Balace x number of days in the bilking period x Daly Periodic Rafe. (Refer to the finance charge summary an the hand yar slalomed for these omhohrds) Then we add al the Periodic Finance Charges for each transaction cabgory to get the tidal Periodic Finance doges for yarAccount. The average Daly Balance 'a shown as 0 it no Periodic France Changes apply to the balance in a transaction category. We use to Avaage Daly Balance (ndu6rp new transactions) method of aloleing the balance upon winch we impose Periods Frwnoe Charges Yle eompte tire -nags daily balance for each transaction afag cry by adding tip al tie daily balances in a big period for a transaction category and dividing the total by tihe rambaddays in the billing cycle. We M i e fa each transaction abgory an each day by fret adding the blowing to the previous days daily bottom baraatiens made that day: fees charged that day a=nd accrued an the previous day's daily balance: and by then subtradn an credla a d d th t i g y n parne s a areapp edagaimt tine balance dthe kmocio n categor that day. Yon Old Balances we excluded from the balance of le purchase and doh advance transaction alegarie8. Spacial rate flalane trardera and Balance Trader Tro sadim Fee finance Cho ges am included in the daily balance transfer transaction category. Balance kansiers ft were subject to an ingot special rate Mal has been laminated due to a We are rate a category al lso included would f calculating the 4* balance of the balance transfer transaction categey an the i?? the unfit the initi t h ? period aubtr tl cn F biting , we Ba F r anmd day and we add that unpaid balance b the helarx of the purchase transaction alegoy. nanceChargesi and balance tacos that become pudwse hate batanoe trarofers onthat Al fees surged to y=A=urt we added to the purchase transaction abgory with the exception of Cash Advance Trasaclon Fee France Ctwges which ere added b the ash advance transaction rakgM and Balance Transfer Traneamtion Fee Finance Charges which we added to the bob" transfer transaction ate o l a transaction d i i g y. ma e n a prev ous big period is bweW on ins stabrist. we consider the kansachorh date to be the host day d the current big period whenwe calculate you periodic Finance Charges For TDD (Tube mnamialiom D&Wco for the Well assidanah please can 14w347-7449. Discover may manila anNa record telephone calls between you and Discover mpresenaivss hair quayy assurance purposes The Dawwr` card is issued by Discover Be* Member Fem. OITBKD56 DISCOVER i pays - I HIXSON, JOSEPH DISCQVEIr Account number ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you cars help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercorn/paperless and sign up (or Paperless Statements today. A22010 DiKw Bonk, Mwbw FDIC ?R s PPRGRN.0810 Closing Duce: August 23, 2004 page 2 of 2 Save up to $200, use your Discover(R) Card to book air/hotel reservations with US Airways Vacations. Book $500-$1000 save $50; S 100041500 save $100; $150042000 save $150 and $2000+ save $200. Vacations include air, hotel, car or transfers, taxes and more. Book via usoirwaysvocatiora.com with promocode DISCOVER and travel by Dec. 31, 2004. Discover Financial Services is once again proud to support 16 Juvenile Diabetes Research Foundation's Wank to Cure Diabetes. Help us raise wen more money to fund research for a cure by participating in the Walk or donating your Cashback Bonus(R) award to JDRF. A cure is within reach. To learn more, visit Discovercard.com or www.i&f.org. 49&W& Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE F94ANCE FINANCE Balances Rates RATES RATES CHARM CHARGES current billing period: 31 days Purchases $3278.71 0.04381% 15.99% F 15.99% 544.52 s0 Cash Advances $0 0.04381% 15.99% F 15.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discoverxom or call 1-800-DISCOVER (1-800-347-2683). 8458833 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $3,164.72 $203.00 Enter Amount Enclosed Below Payment Due Date $ Octebw 22, 2004 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the overlimB amount of $1 164.72. 23 SDSNaA01 0007600 HIXSON, JOSEPH Go paperless and make your account information more secure with paswAvrd- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 earn more at discover Angpoperless. PO BOX 71084 Ill srrllssrsslslssllrslrls CHARLOTTE NC 28272-1084 Address, e-mail or telephone chargey Print change in space IuIrllnlnnrlm?Iorlrrlrlrnrllllrnlnlnlrsllnlnlolrlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235034647200000000020300 Discover Card Account Summary Account number ending in 4075 Payment Due Date October 22, 2004 Minimum Payment Due $203.00 Credit limit $2,300.00 Credit Available $0.00 Cash Credit limit $1,200.00 Cash Credit Available $0.00 Closing Dote: September 23, 2004 page 1 of 2 Previous Balance $3,348.95 Payments And Credits 0.00 Purchases + 70.00 Cash Advances + 0.00 Balance Transfers + 0.00 fisares (asarges + 4577 New Balance - $3,46472 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.57 New Cashback Bonus This Period + 0.00 Cashbacic B6nus® Anniversary Month: December Cashbock Bonus Balance $ 0.57 How Can We Help YOU I Visit Discover corn to pay your bill for no cost, view your p latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Coll 1-800-DISCOVER )347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Das' Post Other/Miscellaneous Sep 23 Sep 23 LATE FEE Sep 23 Sep 23 OVERUMIT FEE 35.00 35.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your Account was ovedimit, 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 Rote Plan section of the Cardmember Agreement for details. ******* ATTENTION ******* ATTENTION '****** ATTENTION '****** ATTENTION ******* 0468M * * * * * * * * * * 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. Keep Track of a Full Year of Expenses Online. At the Account Center at Discovercord.com, you can research your Discover(R) Card transactions as for back as 12 months. So, instead of sorting through a mountain of paperwork to find your old statements, log in to the Account Center at Discovercard.com to find everything you need quickly and easily. Ynporlat Infamatimt If tore is more then are page to tics bang statement. see the bads of each page for aatdntional impplant intimation. Sea your Cardnharnher Ap -ex t. Your Cardmember Ageement contain all the terms d your Account. Lost or ablen cards. Report irmedieletyl Cal 14At.'14J-26x3. Nft Rights Summary In Case of E ors or OuestbmAbad Your BM: n you think your bil a wrong, or d you creed more Information about a trareadim on your be. write us on a separate 51011 of paper at Discover. PO Box 30421, Sall Lake City, UT 8413M21, as soon as possible. We must hear kom you ro {tsar Ow 60 days after we sent you to first b6 on which the error or pattern appeared. You an kteplane us, but doing so wig not pesdm your rights. In your later, give us the blaving inionieteir; Your name and Accord ;unbar. The dollar amgLKn of the suspected emu. Desaibe to error at explain. i you cm why you believe hem is an error. M you need more infomaim, desafoe ft fail you are mare abort. You do not tam to pay any anoint in gtesdon whfe we are investigating. but you are sti obligated to pay lie parts of you bill that are not in question. WNe we krves6gale you question. we aunt report you as delinquent or take any action to collect the amount you question. Special Rob for MIN the ?Puehaas have a pmdem win the quaky, d goods or services anal you purchased with a credit cad and you have bad in good be to area you a" rial have la pay remairing amount due on the goods or services. You have to protection only when to pudave pine was more fan $50 and the purchase was made in your hma state orwdM 100 miles d you mailing address. (f we own or operate to n r art, or tae 'you to adveAsament forte goods or services, of psdases are covered regardless of is imLKn or location d Incase.) Perverts. Send onty your payment and the top potion of pis Stelamerd In the envelope provided. Do not and cash. By sending your dedk as desated above, you a thorim us to use idmmoon on your dock to make an elamoric tend kanslar from your accord at the financial nstlkrtion kdcatad on your died orb poceu is parasites a died; transaction. f psymenl a processed as an aleckadc fud eansla 0 kemfer wi be for tie amount cito deck. VAm we use kdmnaim tan yow dledk b make an eleriaic tend aandK Inds maybe withdrawn from youramoui as soon as lie same day we receive your payroad, and you wi nd receive you dledk bad from your fiwhdal iafkfcn. The poassag of yourpaynart maybe delayed'tyou send cash, mrmspo Bence or ollvr leas wilh your payment. W you sad the payment b ay olv r aklkos or f you use an envelope other tan the one provided. Parrots received in proper form at our pacesskg lac>dy by 5PM local lime an any day will be aeftd b yarAecoartffidthat day Payments received at ourproceefirg balky Oker 5PM local linewil be aedeed b yourAeoard as offs rod day. If you have misplaced youremebpe, send yourpay iod fro D'scevts, PO Box 6103. Card Stream. 11 -601974103. Please allow 7-10 days for delivery. I yourpaymerd is returned unpaid, we reserve the right to rMllimll t as an ebcft*daei You an pay ink irnrrl payment or a greater amount over the Weplors, and you can set up au omafc payments. Cal us at 1-000.347 2683. You will need ft atelerret and your ba nk aomerwn ktamafon. You must ern tat wMcind Inds are ma able in your beck?card and of Ireraacimrs must corrpy rwilh U.S. bw. You 'Ad be asked b provide the fist 5 digits of your amount statementZIP code. By entering two numbers as your decleorim signature, you wi be agrai g b his autladra ion to slow us and yarbat bdeducl each payment you eutmdze ken your bank accord, and b wAde debt a asdt I I'm b you bade aomumt, as applcahle. b owed an era n the pmoessig d such pepmert. Nim naW bi t amount ofeach ii, or you can setea an amo rt such as is Minkam Payment Due or g0 New Balance an each statement. You an armal a payment. Is aw. we must receive a days inadvace d the sdmedhded payment You may nogdy us by phone 9148U0.347-2683 a by mall at lie address fated in I e pendohs peragiaph, f your parrots may very in amo ni, we wil tell you on each montdyr statanat whom your paymentni be made and how much g will be. Y whilamalo pares t amount may be less fan Indicated on the mouldy stalermed based an weft of payments applied during the bifng cycle. Credit Reporting. We may report information abort yur amount b acct b nmix; Late payments, missed payments, order debuts any= account maybe r Ire n youraedt report. Nk nommly report Ihe status and payment heavy of yourAccard to twit reporbhg agenda each month, If you believe tat oar report is nammxm orkcmgdete, obese write us at the following address: Discover. PO Box 15316. Mai glon, DE 19850-5316. Please include your new, addass, home telephone number and Account amber. Periodte Finance Charges. Except as povided bdawt we vvi impose Perndlo Finance Charges an purchases. ash advances and balance Yaebrs t sgnnkhg wIh thedate to transaction ooc rs and the date of rpaynert and an ON Balarm will the dale of repaymet Old Balances are comprised of alter pudwas and ash advances made on or prior In the last day dyer billing period ending during February 1993 or Reserve line balances. You an avoid payment of Peiodc Few Charges on new purchases f you pay the New Balance shown an tie kignng sfala ant on which le purchase fist appears by le Paymet Die Data. and tie Payments and Credits on that stalest equal orexceed your Pervious Balance. We cal ft t e'grace period' You der nd save a gar period ern bda oe banabrs or ash advances periodic France Changes are reposed an new balance transfers and ash advances beginning will ft dab the transaction comas. Period. Fiance Charges are imposed on all kahsadions and Old Balances LKdi the date of repayment, Replyhed meats paymad of your an ile New Balance However, d you pay ft New Balance shown on his big stelernmill by to Payment Due Date, and the Payments and Credits shown on In statement equal or exceed lie Previous Balance, we will not impose Peabde File Charges an now purchases. dot is. purchases prat appearing on ads statement. If you Account was closed as d (1) September 27. 19W, or(ti) August 31, 2001 and was briery a Discover Prime Opem, 06 over National Alliance for Species Sw*O or ty &wW SkrdosAaoud; or (6) September 3M 2001 and was bmnerly a Discover Smithsomen Accant, you can amid payment of Peiodc Fiance Chages f you pay the New BalanceShown on In StatertOM by the PaymentOue Dale and the Payments and Creft an this stalonet equal or exceed your Pervious Balance. Odowise, you Zvi receive a being statement next month that included Periodic finance Charges hmposed and the date of mpeynent. compute ? each ?p unJumes. ash aaramcs, balance farnsiars and Old Balances (which we refer b as traaectiah catgain) by using the lo" equation; Balance x number of brig period x Daily Pandit Rob. (Refer b the finance charge summary on the hoot Of YOLK 518braerd for 11038 amwx11115.) Then we add al the Periodic Finance Chagas for each kensactiah alegey to get the blal Pab is Finance charges for your Account The average Dally Balance is shovm as 0 f no Periodic France Charges apply b the balance in a Wansacion category. We use th eAvaage Daly Balance (bdu6rg new barisacfors) metal dale letirg the balance upon which we knposa Periodic Finance Chargm Vie compute to average dally balanceforeadnknudmategaybya*ftupaitodallybd me8nabigperiodfaakamSadwcalegoryanddm*gtobWbytwnumberddsysbthebigcycle.We ommpte Ina defy t11131hm i far each traramlm clegayr an each bey; by fist adding get" brie previous days daily balance: baOaabons made the day, ices caged tat day; and accrued on the peviouc day's daily balance; and by than nrbkadng arty credits and payments tot are applied against the balance of tie transaction category an Old Balances are excluded from Ile balance rite prdon and ash advance tr areal ri categories. Special roe balance travelers and Balance Transits Tansachon Fee Finance Charges are nducled in to defy balance trans(atrawctim category. Balance kansfors that were suloct b an nbd special rate that has been bmnabd due b a late are also added in the ralegay.nit the total special rate otherwise would We spied. In cahadafilg fie daily balance of to balance taKfer transaction caegayal the r? ? is billing peiod, we sublamt to unpaid balance of lose Balance Tra der TrarsaCGon Fee Franca Charges and balance trernsber5 than became purchase aab baI travelers on that day and we add to unpaid balance to the balance of I e purchase Vansectien Category Al ho; doged b your Account are added to the pudase kaneaction alegay, with the exception of Cash Advance Tiansadiam Fee Finance Charges which are added to the ash advance transaction category and Balanc Transfer Tra edion Fee Finance Barges which are added In the balance transfer transaction category . t a Yaaactim made in a peviws billing peiod lo harmed on this statement. we oonm* to kansattimn date b befs fast day dthe arrant piling period when we cdarlab you Paiodc Fnmm Charges. ForTDD (teleramma dcaboas Devbe for the Dad) assistance, please cal 1400.347-7149. Dmwm may moribr ardor mood telephone alts betwom you and Discover representatives for quality aswrance purposes. The Discover" cards issued by Dsova Be* Member FDIC. OITBKO56 DISCOVER N pass to i HIXSON, JOSEPH Account number ending in 4075 ER Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you con help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-prolecled, slddnenI history, complete with merchant names, locations and zip codes. Go to Discovercom/poperless and sign up for Paperless Statements today. 62010 Diacwer Bank, Member FDIC PPRGRN.0810 Closing Dale. September 23, 2004 page 2 of 2 ?WUNt`'?1461 Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daly is FER AGE FMANcE FNANCE Rat" RATES CHARGES CHARGES current billing period: 31 days Purchases $3371.04 0.04381% 15.99% F 15.99% $45.77 $0 Cash Advances so 0.04381% 15.99% F 15.99% $0 $0 The rates that apply to your Account are either fixed IF1 or they may vary M as noled above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). 8458833 New Balance DISCOVER Minimum Payment Due Account Number ending in 4075 l d l $3,271.85 $66.00 ose Be ow Enter Amount Enc Payment Due Date Nevsmber 22.2004 Please make check payae to Discover Card. f P h hl h t e sum o e mont y You are overlimo. ay t minimum payment plus the ovedimif amount of $971.85. 23 SDSN6A01 0007601 Go paperlessand make your account HIXSON, JOSEPH information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discovercon Vpaperless. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )n)n))n)6111n))rgo )rnloil Bill IUall (oil so IIIIIloll Bill )n)1111 above, or go to Diwover.com. Print yaw e-mail address to receive important Account information and special offers. 000001986458999668235032718500000000006600 Discover Card Account Summary Account number ending in 4075 Payment Due Date Minimum Payment Due Credo Limit Credo Available Cash Credo Limit Cash Credo Available November 22, 2004 $66.00 $2,300.00 $0.00 $1,200.00 $0.00 Closing Dale: October 23, 2004 page 1 of 2 Previous Balance $3,464.72 Payments And Credits 273.00 Purchases + 35.00 Cash Advances + 0.00 Balance Trawlers + 0.00 Fnmree Charges _ _ + 45.13 New Balance = $3,271-85 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Borme -CasitliackS*ku Annivetsary Month: December Keep using your Discover(R) Card and watch your Cashnbock Bonus(R) award growl Remember, once your Cashback Bonus award is at last $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. Opening Cashback Bonus Balance $ 0.57 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.57 How Can We Help You? 1 Viso Discover corm to pay your lei for no cost=.= kstest Account information, own and redeem more It's our choice - 3 wa s to hel 2. Cal 1.800DWOVER (347-2683) for fast, easy self-service p y y options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sap Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. rans. Post T D Date Payments and Credits Oct 18 Oct 18 PHONE PAYMENT THANK YOU $ -203.00 Oct 19 Oct 19 LATE CHARGE REFUND -35.00 Oct 19 Oct 19 OVERLIMIT FEE REFUND -35.00 Odrer/Miscdansous Oct 23 Oct 23 OVERLIMIT FEE 35.00 Information For You "8833permilled under the Cardmember Agreement to increase the APRs on your Account because your Account was ovedimit, we have chosen not to do so at this time. We have terminated, however. ony 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 transfer. 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 credo limit. See the Default Rate Plan section of the Cardmember Agreement for details. b "rt3fd bbahatmt KIM is more tan ant page to this being statement, see the bads daach page for addiilonal inportard inbmalm. SaayourCardrnambxAgraanant.Your CardmnnberAgre switcontainsalthetermsofyarrAorarhl. Loaf or stolen Cards. Report nanecloetely! Cal 141WM7-2683. BMW Rithts Summary. In Case of Errors or Questions About Your BE tyou think yaw bl a wrong, or l you need more bfomhabon abed a transaction on your hill, wide us an a separate sheet of paper at Discover, PO Bak 30421. Sal Lake City UT 64130-0121, as am as passible. We nest hear kom you no teler Soon 60 days after we said you to fist bl on which the error or probkrn appeared. You can telephone us, but doing so all not preserve your rights, In your feria. give its the lolowirg ntenroion: Your name and Account number The dolor mom of ft suspected error. Describe the error and explain, t you co. why you believe there's an amx. l you need more irdonnabon, describe the item you are unsure about You do rat have to pay any amount in questim while we are investigating, but you are all obligated b pay the pads of your bill that are not in question. While we i veslgaBa your gieslon• we cannot report you as deincluent or Islas any action b collet the amount you question. S" Rule for Credit Card Pudnoes: l you have a problem with the quality of goods or services Scat you purchased with a cede card. and you have tiled in good faith to correct the and problem with purchase was meta t. you a" not have to pry the remaining ammo due on it* goods or services. You have In protection only when the purhihase price was more Sham $50 this your home state or w" 100 miss of your maing address. (owe own oroperab the merchant, or t we mailed you the adverlsoment for the goods or services. all purchases are covered regardless of the amount or location of pnrcose.) Payments. Sod any you payment and the tap palm of this slanvnent In the envelope provided. Do not send cash. By sanding your check as desaabed above, you a dwrite us to use intanhelan on your check to make an electronic kind transfer ham your account at the kwxW institution ih6cared on your &ada or to process the payment as a dada transaction. t P>>youenf 6 Processed as an ekebaic kid transfer. the harukr wit be for the amowd d to deck Whim we use Wormation from yor chador b make an akerianie tend ua der,, funds may be wNhdrawn from your account as soon as ft sane day we receive your payment and you wil not receive your dhedk beta km your krhahdel io Dim The paces" of your payment may be delayed l you sad cash, conespondaoe or Was items with yu?paymeK if you sad the payment to any other address or if you use an envelope other San the one provided. Payments received in proper form at ow processing Parity by 5PM local lbme on any day will be aodled b your AccoaS as of tact day. Payments reoaiyed at err processifg facility 3_ tr 5PM byal Was wil be.credited to your AccQgnt as of the nerd day t ym have misplaced yW envelops. sand your patmad to Dsoover,PO.Box 61113, Carol Stream. !L 601976103. Please slow 7-10 days for delivery lyour payment is retuned unpaid, we reserve the right to resubmit it as an etecbondc debt You carp pay minimum payment or a greaser amount over the telephone. and you can sit hap automatic payrtents. Cal us at 14604347-2663. You wit need this statement end your bank scout bnamalion. You mad ensue that adkde t kinds we available in your bans accord, and al kmsac io s must coney with U.S. W& You wl be added b provide the fist 5 digits of your aaou t statement ZIP code. By entering those numbers as you electronic signature, you will be agreeing b ftaWorirallon b slow us and your book to dedud each payment you i ulorize from yourbank sooDuK and b nmbate debt acre t entries to yaw bank scomnt, as applicable, to conedan nor in the processing dsuih polins"hL You must let us the anent of each payment, or you can select an amount such as the kirimuo Payment Due or the New Balaroe on each stalemist You can cancel a payrnat, however, we must receive notice at least tree busirim days in advance of the scheduled payrr" You may nolTy us by phone at 1-604347.2683 or by mal at the address listed in to previous pawgraph, t your payments may vary in amouhL we wl Del you on each mor" statementvdwn your payment will be made and haw mnh it wil be. Your h4conaticpayment amount may be less than indicated an the monthly statement lased on cracks or payments applied during the bing cycle. Crept Repabg. We may report i lormallon about your sward to a" bureaus. Lob payments, named payments, or other defaults on yaw account a" be relecied in your Credit report. We normally report the stabs and payment history of your Account b aedt reporting agencies each nhorrh. If you believe tut our report is mcaaile or " us at the lotarvi g address: Discawu, PO Box 15316, YYlmkhglon. DE 19650-5316. Please Include your name, address, horns telephone number adAamouht tae Pleass write Periodic Finance C hargas• Except as provided below. we will wpm Periodic nonce Charges on purchases. cash advances and balancce Variafas pegfrah1 wdh thedale the transaction occurs until the data d repaymtrht and on Old Balances until the dab of repayment OM Balances are nanprised Baiter purchases and rash advances made on or prior b to W day ya+Ff9 period erhdrrg during February 1990 or Reserve Line balances. Ybucanavoidpaynso ? Date, and n of Periodic Finance Charges on new purchases t you pay he New Balance showrn onthe big stetemad on which the pudhasa fist appeal by the Paymen the Psy era arhd Credits on ft statement equal or exceed your previous Balance. Wt cal this t e "grace period You do not have a grace period on balance Imagers or cash advancces. Peak Finance Charges are imposed on new balance transhrs and cash advances begirrhig with the date the transaction occurs. Periodic Fraaaoe Charges we imposed on all transactions and Oil balances urhlr tut date of repayment Repayment means payment of your entire New Balance, Noweva, t you pay the New Balooe shown on this blip statement by Sue Payment Due pate, and to Payments and Credits shown on this stelement eapmal or exceed the Prhnbas Balance, we w August ill not impose 1, 2001 Frame Chages on now purchases. that a. purchases fast appearing on this statement l your AmM was dosed as et () September 27,1999; or (i) Discover 2001 and was fir a Discover Prime Oplon, Discover National Alliance for Species Survivelw or Universal SbdosAccou t. or h) September 30.20M and was fmnely and Grovels on t s Smithsonian Account, statement you can avoid payment of Pedodc Finance pages If you pay the New Balance shown on this Statement by to Paprm6 Due Dab and the Payments the dale of repayment equal or exceed your Prevhous Balance. Otherwise, you will receive a big statement next math that iro periodic Finance Charges imposed until 1Ne eempuke Periodic Frhance Charges each day for purchases, ash advarhoes, balance transfers and Old Balances (which we rotor to as transaction wisgio bes) by using the blow4ng equation; Average Daly Balance x number of days in to big period x Daly Pei Rate. (Refer b the finance doge summary on the kmt of your statement for these anants.) Then we add al the Periodic Fiance Charges for each transaction category to get the total periodic Fiance dhages for your AcoanL The average Daly Balance is shown as 0 6 no Periodic Finance Gages apply b to balance in a transaction category . We use the Average Daly Balance fmiu6g new kasaciorhs) mothod of calculating the balance upon which we impose Periodic Fiance Charges. M balance for each transaction catagay by addling up all to daily balances in a boiling period for a transaction ate9aY and dividing compute the average daily the saber of d Od dr% in t real the charged g cycle. We com ue tha Mir balance for each transaction category on each day by fiat g it* btel c made to day ?g to the pears days lamer balance that are aplied g ged that day and V4 tWM accrued on the previous day's doily balanc?a;:?then to ategoryon subUadirg any eaedlts and Pxaymenls rihat one applied d against the balance d the transaction Old Belancea are excluded from to balance d to purchase and cash advance kasacam categories. Special rate balance handers and Babo" Tho s/aTiasadion Fee Finance Charges we included in the day balance transfer bansisclim category Balance Sonatas that were utjed to an 'M Special rate that has been tanrirhaod dua ba We payment are also inickided in the category bing period. we subm this unpaid ft initial special rate otherwise would tome tmpbed. in calculating the daily balance d to balance boots transaction category m tha first day of to day and we add that unpaid balance of those Balance rransler Trasaction Fee Fora ce Charges and balance transfers that become purchase rate balarm transfers on that unpaid balance to the haterne Of tha purchase transaction category. AN lim dhaban gedd to YmAccount are added b the Purchase transaction Maim with to exception of Cash Advance Tiasadon Fee Fnanee Charges which are added to the ash advance category and Balance Trander Transaction Fee Frhaha Charges which are added to the balance transfer transaction category to transaction made n a previous burg period is lambast on tits statemad, we consider the transaction date to be the fist day tithe current blkhg period whim we calculate your Paiodlc Fierce Charges. For TDO (TNccommnkatons Device for the peat) assistance, pleass cat 1-966,117.7449. Discover may mornbr ardor. ecerd tsleplhaha oohs between you and Discover representatives for quality assurance purposes. The Mccr °' card is issued by Discover Be* Member FDIC. OITBK056 DISCOVER I It pays 10 DISCOVER' Account "rending in 4075 Go green. Go paperless. Join the effort to save frees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Banc, Member Fac 1 K16IV4 PMRR0810 Closing Dale: October 23, 2004 page 2 of 2 Go paperless[ Elect to slop receiving your Discover(R) Card statements by mail and receive them exdusively online. You'll get an e-mail notification when your statement is available online and a printable version of your statement for your records. Visit the Account Center at Discovercard.com to enroll. - Request FREE Additional Cards for your Account and share your Discovw(R) Card with the people closest to you. Coll 1-8004)ISCOVER or visit Dixovercard.com/AdditionalCards to learn more. Hey Juniorsl We are searching for outstanding high school juniors to apply for the Discover(R) Card Tribute Award(R) Scholarship Program. More than $1 million will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our websils at www.Discovercurd.com/tribute.htm. lock Your CD Rate Todayl Move fast to lock your Certificate of Deposit interest rate with Discover Bank's fast, free and secure CD Electronic Deposifl INS the easy, safe way to fund a new CD or add funds to a maturing Discover CD, directly from your bank account. Visit www.discovw6aA.com. Mention SC4G)04PC when you open your CD. Member FDIC. MKOR Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FIFIANCE FRr14NCE Balances Rates RATES RATES CHARM CHARGES current billing period: 30 days Purchases $3434.49 0.04381% 15.99% F 15.99% $45.13 $0 Cash Advances s0 0.04381% 15.99% F 15.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1.800-347-2683). 8458833 New Balance DISCOVER Minimum Payment Due Account Number ending in 4075 d l l $3,041.33 Be ow ose $61.00 Enter Amount Enc Payment Due Date $1 1 December 22, 2004 Please make dnedc payable b Discover Card. l h f h t e mad* You are over imB. Pay t e sum o minimum payment pkis the ovedimit amount of $741.33. 23 SDSN6A01 0007602 JOSEPH HIXSON GO n e 'Woir4 , intorrrtation more secure with pessvvord- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discovercarnlpaperless. PO BOX 71084 Illrullunrlslullulslrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space loll III IIIIIIIIIIIIgloo ltllrlllllullllllllllllOlOhlloll III above, or go b Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235030413300000000006100 Discover Card Account Summary Account number ending in 4075 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available December 22, 2004 $61.00 $2,300.00 $0.00 $1,200.00 $0.00 Closing Date: November 23, 2004 page 1 of 2 Previous Balance $3,271.85 Payments And Credits 310.00 Purchases + 35.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Clu es + 4A.A8 New Balance = $3,041.33 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Banuie Opening Cashbadr Bonus Balance S 0.57 New Cashback Bonus This Period + 0.OD Cashbdck Bons Anniversary Month: December Cashbodc Bonus Balance 0.57 Keep usinrgg your Discover(R) Card and watch your CashbacIt Bomus(R) award growl Remember, once your Cashback Bonus award is at least 120, you can redeem your award by ding us or by logging into the Account Ceder at Diseovercord.eom. How Can We Help You? 1 Visit Discover tong to pay your bill for no 'ad,, iew your kxest Account Information, can and redeem rewvads and moro It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER )347-2683) for fast, easy segsw4iee 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. lions. Date Post Dab Parnerb and Credits Nov 22 Nov 22 PHONE PAYMENT THANK YOU $ -230.00 Nov 23 Nov 23 FINANCE CHARGE REFUND -45.00 Nov 23 Nov 23 OVERLIMIT FEE REFUND -35.00 other/misceOorreous Nov 23 Nov 23 OVERLIMIT FEE 35.00 Information For You V8' WeVpermitted under the Cordmember Agreemed to increase the APRs on your Account because your Account was ovedimit, 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 outslandirg 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 Mrs Cardmember Agreement for details. Important Information. N there is more than ore page to this billing statement see the back Beach page for additional important fnbnnation. o Sea your CardnnmberAgreenwnt. Your CardmemberAgreement conch ns all the terms of your Accent cn 2 Lost or ablen cards. Report ire. dy! Cal 1-N00.317.2683. > 0 Billing Runts Summary. In Case of Errors or Questions About Your BA: N you W your bill is wrap, or t you need more room al m about a transaction on your b7. wile us on a separate sheet of paper at Discover, PO Box 30421. Salt Lake City UT 84130-0021, as soon as possible. We motet hear bon you no polar than 60 days abler we sod you to list bill on Co which the enor or problem appeared. You can Idephom us, but doing so will not preserve you rights. In your leller. give us the lollowkg itamal in You name and Account number. o The dollar amount of th suspected error. to Describe the errs and explan, I you can, why you believe there is an a or. N you need mac intormalm, describe to item you are unsure about O V You do not have b pay any acorn in question nMik we are investigafig, but you are still obligated to pay le pats of you bill riot are not in question. While irmerilligaile 1 question, we cannot report you as delinquent or take any action to celled the amount you question. Special Rte for Credit Card Purchases: l you have a problem with the quality of goods or services tat you purdased with a credh card, and you have bad in good Job b coned the problem with the merchant, you may not have No pay ire retaining amount due on the goods or services You have pis prolecticn only when the pure ase pine wrs more lan 350 and the purchase was made in your hone stale or within 100 miss of your ma ding address. (N we own or openne the mere ard, ail we mailed you the advertiaerned forle goods or services, all pwrc rice are covered regadess of the amount or location of purchase.) Payments. Send only your payment and die lap portion of this statement in the envelope provided. Do not send cash. By sending your dark as described above, you adome us b use inhiamaborh on your chedt to crake an electronic fund transfer from your account at the flarndial imlbition khdceted on you check orb process the payment asa check banaobon. N payment is processed as an ekcooric kid transfer, the banskr will be for the amount of to dne* When we use nbmalon from you check to make an efeeerhicbad tamer, funds may be withdrawn from yam account as soon as to same day we receive your payment and you will nol receive your died back from you financial instkrfim. The processing of your payment may be delayed lyou sad cash, correspondence or other hems wilt your payment, iyou send rie payment b a r other address or iyou use an envelope other than be we provided. Payments received in proper form at our pressing facility by 5PM beat tine on any day wit be credited to yaw Accoutae of tai day: Payments received at our processing faulty sher5PM local tbne_w ilbe credited to your Account as of Ne.ned clay. 9 you twine misplaced you envelope, send your payment b Diocove,PO Box 6103, Card Stream, N_ 601976103. Please slow 7-10 days for delivery. If your payment is returned unpaid. we reserve the fight b resubmit t as an electronic debit You can pay mnimum payment or a greater amount over #a W phoe, and you can ant hp aubnak payments. Cal us at 1400.347-2683. You will need pis stasermert and your bark account nkrmatas. You mot ermine tat sufficient fads are available in you be* accohrht and all iWrnadtiara mnt amply wlln U.S. ION. Yeu x111 be aired to poWe live 61915 digs of you account dalame t ZIP code. By entering Vase numbers as your eledrork signakre, you will be agreeing to pis au t havallon b allow us and you be* ft deduq each payment you aulha¢e from you be* scoouK and to ihiale debits credit entries to you harhik aconnt as appfahle, b mined an error in the processing of such peyrrhst. You must let us the amount of each payment, or you all seted an amo rd such as Ihe Wranu n Payment Due or the New Balm on each stakmett You can cancel a payment, however, we may receive .notice at leaal tires business days in advance of the scheduled paymad. You may nobly us by phone at 1 00-3472683 or by mad at the address listed in rie pe*m paragraph. N your payments may very in annotirk we will tell you on each monthly stme ent when your payment will be made and how much it will be. YmAubmew payment apart may be less Nan kWicaled on the monthly staement based an, e N- orpapwb appled dung the bilg cyee. CmM Report no. Nk may repod nlormrion about your account to wed bureaus. tale payhernls, missed payments, or oterdebulls on your account maybe relecled in your acct report We rhormaly report rie stain and payment hislay of your Account to as& repalrg agencies each rrhaNr. If you believe tat our report is ieocnrale or icmgkie, please wile us at be following address: Discover. PO Box 15316. Wil igbn. DE 19850-5318. Pleas include your name, address, horse idephone rummer and Account nu mbar. Penodb finance Charges. Except asprovided below, we wltl impose Pen odic Finance Charges on purchases, cash adva ces and balance ba sfaa begriming wllh Madge le transaction occurs until the dale of repayment and on Old Balances urdt the date of repayment Old Baances are composed of a" purchases and rash advances made on or prior to de last day of your billing period edg during February 1993 or Ream tine balances. You an avoid peyneMd Periods Filamlde Charges on new prdases N you pay the New Bala ce shown on the bill g MMwwt onwitch de purchase list appeal by the payneo Due Date, and the Paymets and Cned6 on Oat staement equal or exceed you Previous Balance. llfe cal pis t e lgrace period' You do red have a grace period unbalance transfers or cash advances. Periodic France Charges are imposed on new balance transfers and cash advances beginning will to dale to transaction occurs. Periodic France Charges are imposed an all trarsad is s and Old Balances hrd to date of repayment. Repayment nears payment of your erdre New Balance. However, i you pay the New Balance shown on this big statement by the Payment Due Dale, and the Payments and Credits shown on this stalenlernt equal or exceed the Precious Balance we , will mot impose Periodic Finance Charges on new purchases, riot is. purchases first appeakg on Iis Moment Iyour Account was dosed as of (i) Segadar 27,19M9; or no August 31, 2001 and was form" a Discover Prime Option, Discover National Alencce for Spades Survival' or Universal Sbd'ios Await; or (ii) September 30. 2001 and was fomarly a Discover Smithsonian Amount you an avoid payment d Periodic France Charges N you pay Ire Now Balance don on On Shammed by the Payment Due 00 and la Payments and Creels on cis statement equal or exceed your Previas Balance. Otherwise, you will receive a big staftha nt next month Ow Included Periodic Fiance Charges imposed urNd the data of repayment We compute Periodic France Charges each day fa purchases, ash advances, Warm bansfas and Old BBIBrrdeS (witch we refer to as transaction adagorm) by using to blowing equation; Average Daly Balms x uahber ddays in the bing period x Daly Periodic Rate. PReier b to franca large summary onthe bent of yaw statement for lose ancits.) Then we add all Me Periodic Fiance Charges for each transaction category to gel the total Periodic Fiance dap, es far your Acmuht The average Dady Balance is slaws as 0 M no Periodic France Chagas apply to the bale noe in a rasaction category. We use the Average Daily Balance (ndudig new transactions) method of aldnltabng to balance rpm which we impose Periodic Finance Charges. We compute to average dally balance for each transaction category by adding up all the dally balances in a billing period for a transaction aegory, and diNdg the tool by to rxmber of drys it the bang cycle. We nipp ? for each trarsedtim category an each day by *9 adding the folowig b the pevious days daily balance trans cYas made deli day, less Barged tat day ' if rges accrued on the previous day s day balance; and by tlan shbsacllg any credits and pay hemts tat are applied agairsl the balance of pre trasaclm category on that day. Old Balances are excluded prom the balance of the purchase and cash advance transaction categories. Special rate balance kasfers arc Balance Tuner Transaction Fee France Chagos am ndwded n rie dWybalare vwWw transaction allegory. Balance transfers Nat ware subject to an iitial special rale tat has been temvated due b a tae psyreM are also included in the category lilt the initial special rote otherwise would have expired In calculating the daily balance of le balance trashier transaction category on to f st day of Nle bung period. we subtract Mme unpaid balare dMxse Balance TrarsterTrasadim Fee Fiance Ganges and balance banalers td become (udaae ante balance bamnfas on Nat day and we add riot unpaid balance b the balance of the purchase masacbm category. Af lees charged b your Account are added to the pudase kansectm category wile the exception of Cash Advance Transaction Fee Finance Charges %thich are added b to cash advance transaction caegory and Balance Transfer Transaction Fee France Charges Which are added to the balance trerhser bransactim category N a transaction made in a previous biting period Is ltentmd on this statement, we consider the yrmsecton dale to be to fist day of the current b* g period when we calculate you Periodic Finance Charges. For MO (leleeomminimatiom 0avime for the DuQ asdsmnce, prose call 14MU7.7449. Discover may monlta adlor record telephone als between you and Discomer represenatves for quaNy assurance purposes. The Discover`' cad is issued by Discover Be* Member FDIC. 01781(056 DISCOVER i b pars to HIXSON, JOSEPH _ __.QOY??__ ! Account number ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today- 020 10 Discwar Bank, hUm6x FDIC 2611% PPRGRN.0810 Closing Date: November 23, 2004 page 2 of 2 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 Cashbock Bonus(R) award to the Make-A-Wish Foundation. To barn how, please visit Discovercard.com or visit www.wish.org. - -- Stay connected to loved ones this holiday season with thoughtful gifts from 1.800-FLOWERS.COM(R). Saw 15%' on your next purchase when you use your Discover(R) Card and code DC88. Cal 1800-FLOWERS(R) (1-800.356-9377), click www.18001owers.com, or come inl *For details please visit www.180ORowers.com/disdain. Everything You Need To Know- In the Account Center- IF you need to know exactly how much you spend on your shopping spree last weekend, wouldn't you rather find out now than wait for your neoslateme W Go tothe Account Center at Discovercard.com to find out what's going on with your Account before your statement arrives in the mail. I Charge Summary Average Doily Nominal ANNUAL ANNUAL Transaction Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balcince Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3276.00 0.04381% 15.99% F 15.99% 544.48 $0 Cash Advances s0 0.04381 % 15.99% F 15.99% s0 s0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347.2683). 8458833 ?/ DMOVER New Balance Minimum Payment Due Account Number ending in 4075 $2,806.32 I $57.00 Enter Amount Enclosed Below Payment Due Date $ January 22, 2005 Please make check payable to Discover Card. l h f h You are over imit. Pay t e sum o t e man* minimum payment plus the overlimit amount of $506.32. 23 SDSN6AO10007603 HIXSON, JOSEPH Go paperlessand make your account information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discover.coWpopertess. PO BOX 71084 IIIurIlur,mlrlr,Ilnlrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I,vigils rlrrrIII6rr6ddrrrl06rrlrrl,r6rl6r61 61 6I11II above, or go to Discovw.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235028063200230000005700 Discover Card Account Summary Account number ending in 4075 Payment Due Data January 22, 2005 Minimum Payment Due $57.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 Closing Date: December 23, 2004 page 1 of 2 Previous Balance $3,041.33 Payments And Credits 310.00 Purchases + 35.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance ClsarrTes + 39.99 New Balance _ $2,806.32 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.57 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.57 -Cathbock-Bonuse Anniversary Month: December Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once r Cashback Bonus award is at bast 520, you can redeem your award by calling us or by logging into the Account Center at Discovercard.corn. How Can We Help You? 1 Visit Discovercom to pay year lei for no cost view r P latest Account information, earn and redeem rewardsWand 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. 1 Write us at Discover Cord, PO Box 30943, For TDD (ossistance for hearing impoired) see reverse side Sant Lake City, UT 84130 Transactions Payments and credits $0 Fraud Willy Guaranles Use your Discover Card with confidence. Trans. Post Dale Dale Dec 22 Dec 22 PAYMENT THANK YOU Dec 23 Dec-23 FINANCE CHARGE REFUND Dec 23 Dec 23 OVERLIMIT FEE REFUND -230.00 -45.00- 35.00 011sw/MfsceNdreous Dec 23 Dec 23 OVERUMIT FEE 35.00 Information For You Permitted under the Cardmember Agreement to increase the APRs on your Account because your Account was ovedimit, we have chosen not to do so d 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 due Default Rate Plan section of the Cardmember Agreement for details. ImportaR!MamNbn. 0 there is more than are page b this biting statement see the back of each page for addtiad important nfomaYm. o See your CaNmemberAyrcemorkYew CardrrremberAgreanentcomw altheternsdyourAccounl co Lost or sb m arcs. Report ianedakty! Call 1404347-211113. 0 Biting Riplks Suarnary In Case of Emus or Ouesticm About Your Bi 1 you anMk you bill is wrong. or if you need more lido mation about a traraad on an your bill, wile us an a 0 separate sheet of paper at Discover, PO Boor 30421, Salt Lake City, UT 861300421. as soon as possible. V* must hear tam you no Mier than 60 days Aw we sent you Re W brit an c or problem appeared. You can telephone us, but dog so will not preserve your rights. In your letter, give us the following i lormabun: mumbo. Your name and Account The dolor smart of the suspected errs. w Describe the error and explain, it you can. why you believe lore is an error. 0 you need more iMonitagon, describe ores fern you are wan abort. 0 J You do not have to pay any amount in question while we are irvesligalig, but you are still obligated to pay the pats of yaw bill that are not in question. Mile we imestigate you question, we carerot report you as delinquent or tales any action to celled the amaml you _quesion. Special Rub for Credit Card Puchasa: Byou hare a puublem with to quaity a9oods or services thviyou purchased with a creditand, end you have tied in good fain to aimed the problan with the merchant, you may not have b pay the rernrirhig amount dee on the goods orservices. You have Rats pm- ion duly when the pur I Price was more than $50 and the purchase was made n your hone Stab Graft 100 miss d your mailing address. (Il we own or operate the mordnant, or ire naiad you the wive ilsome t for the gaols or services, all purchases are emend regardless; of the amount or location of prmdhae.) Payments. Send only your payment and the tap portion of his staleme t in he envelope presided. Do not send cask By sending your daedcas dasabed above, you authorize us to use idama iah on you check b make an dedmm tad tassb r ham your account althe tnaacal mlbfah 7rrdcab 'on your died or b paean to patimenl as a died basation. If payment is processed as an elackornc fund taster, he trander wl be for the anaant of to deck. When we use i Im Al tom your dwdk b make m akdpo o tad taster, hails maybe wildrewn from your account as soon as to sane day we receive your payment. and you wil not recemyouded back tom your Irhar¢i, institution. The processing of your payment may be delayed if you tend ash, caresporderrce or oho bon with your paymeK l you said the payment to any other addieas or it you use an ernelopeotherthanheoneprovided.Payments receivedinlo perlamatar!rocessigfaultyby5PMbedlkmeonanydaywibecreditedbyorAommtasdRestday.Payments received at our processing facility outer 5PM local lone w4! be credited b y-Acmuht as off next day, If you fvm misplaced your WM*W, earn) vow paynra bDrsoom._PO.Box. 6103, Carol Stream. t 601976103. Please allow 7-10 days for ddvery. 0 you payment is returned wpad. we reserve to ri, ft b resubmit it as an Medmicdebt You can pay minimum paymert or a greater arrant am to lelephone, and you an see up automatic payments. Cal us at 1-M347I6n You will need this statement and your balk account itametim. You must ensure that skdided kinds are available in yaw hank adcoak and all In sadions must comply vv!th U S. law. You will be ash ad to provide the oust 5 di0he of your aawrt daiemed ZIP code. By entering arose numbers as your electronic signature, you AN be agreeing to On aOnutrallm to allow us and your Drab tideduct each payment you auaurke kum your bank account, and to ihulate debit or credit entries to your bark acooud, a applicable, to coned an error in are praeening of such peprrnt You must id us to arrant of each payment, or you can soled an amount such a Ire k ninum Paymet Due or the New Balance an each statement. You can carrel a payment, ho werm ,, we not receh e nd iM at bast tree bnsinea dsys n advance a Rs sdihedh/ed p"R& t. Yee nay ratify us by plane at1S0g-347-2683 arty and at air address Ised'w he previous peregreph. R yaw paymrmts may vary n amount. we wi tai you on each mattfy sbbwoW wlwn yew payment wt. be mode and law much t of be YmAulornaac payme t amunt maybe less than indicted on the monthly statement based om crafts or payments applied during the lift cycle. Credit Reporting. Nit may report tonnaton abort your account to credit bureaus. Law payments, nosed payments, or darer defecila an yaw account may be relected in your coedit report VVe norm* report are status and payment h" dyourAceunl to credit reporting agenda each math. R you beleve oust ouesporl b iuccrmborinedinplete, plase write us at are blowing address: Discover. PO Box 15316. VAmirgion, DE 19850-5316. Please include your rare, address, hams telephone umber ad AccarrA man ter. Periodic Ftwua Charges. Except as provided blow, we v it impose Periodic Finance Charges on purchases. ash advances and balance transfers I gimigwAu the date the transaction occurs util the dab of repayment and on Old Bsahces until he date of repayment. Oki Balances are comprised of either pudases and cast advances made on or poor to the last day of your laYng period er dug dung February 1993 or Reserve line balances You an avoid payment of Periodic Finance Charges on new pudraes y your pay one New Balance shown on he bift stotienert on which the purchase to appears by the Payment Due Date, and the Payments and Creels on hat sfatamert equal or exceed you I§evious Sabnce. Vas al this the'gace period' You do not lave a gram period cn how= barriers or cash advances. Periodic FresnceChargesare imposed on new balance hanshirs and ash advances beg "with he dale are transaction occurs. Penorie France Charges are imposed on al tronseciors and Oki Balances ud the date of repayment Repayment mourns payment of yaw was New Balance Hmww r, W you pay the New Balance shown on this big staterne t by the Payment Due Dab, and he Payn a and Credits sawn on this sfalrnent equalor armee , he PWAM Babnre, we will net impose Periodic Finance Charges on new prdridasm, that is, purchim fast appearing an tit statamsat IyarAccount was dosed as at. 00 Sepfenber 27.1999; or (i) August 31, 2001 and was formerly a Discover Prime Option. Discover National Alliance for Species SuvMf or tkwersal SludcsAooourt or(i) Septar6ar 30, 2001 and was kormerly a Discover Smithsonian Acoawt you can amid payment of Periodic Finance Changes i you pay the New Balance dawn on outs Shimmed by to P"reed Due Dab and Ike Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise, you wrl recave a billing statement red month oust included Periodic Firarre Charges imposed until the date of repayment. We cornpue Periodic Finance Charges each day for purdusa, ash advances, balance Warders and Old Balances (which we refs to as transaction abgodes) by using the blowing equakar Average Daily Balance x number of days in ore big period x Daly Periodic Rate. (Reler b the *once dsrge summary an to Wont of your stateroom for those amounts.) Then we add alto Pedodic fiharrce Charges ter each Warsaction category I D90 the total Periodic Firm derges kr ym Acccrnt The average D Oy Bd mce b swam a 01 ou Periodic Finance Charges apply to the balance in a transaction category. We use are Average Daly Balance (ndudkg vow trarusad dm) meted of calculating the balance upon which we impose Periods Five Charges. We compnte ore average ddy balance for each Wasactim category by adding up alas daily balances n a billing period for a tramadion category and dividing the kcal by are comber ddoys n Res big ode. We ? for each trasachon category on each day by fie adding the foibwng b is previous days daily balace: tasacaors made to 6% has chat* BW day i d Pili a r9es accrued an the prevbars days daily balance; and by then subtractig arty credits and payments that are applied against to balance ciao tansackm category m that day. Old Balnces are excluded kom to balance of Res purdhm and cash advace lmsadim catagodes. Special rats balance Iamb s and Balance TrarskrTrasadion Fee Finance Charges are included in the daily balance traster transaction category. Balance transfers that were wbpd b an initial opeciat rat ass has been brnhi due b a We payment am also kick ded in the category udT the ir" special rate ofherw6e would have expired In calculating are defy IneMrrce of to balance trader Warsoction category on the fist day of the big period. we subtract ore unpaid balance of arose Balance Treater Trarsactim Fee Finance Charges and balance Waders to become dose IBM balance traders am to day and we old that unpaid balance to ft balance of ore puchase transaction category. AN tea charged to VwAcoout are added to the purchase transaction category with are exception of Cash Advance Tnahsoclon Fie Finance Ci urges which as added to On ash advance Warsacim category and Balance Transfer Transaction Fee Finance Charges which are added to are balance Warmer transaction category. N a" aracacn made in a previous billing period is ienhl¢ed mans stalemeK we consider the transaction date to be the fret day of the anent big period when we calculate yaw Penode Fwrraa Charges. For TDD (fatecorrrntmbalions Davies for the Deaf) assistance, please cad 14800,347-7449. Discover may monitor erdldr mixed telephom calls between you and Discover repmsenb ves for quality assurance purposes. The Discover" card is issued by Discover Balk, Member FDIC. OITBKO56 DISCOVER trpoysw ' eJOSEPH HIXSON DWQVEa_ i Account Account numumbber ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you con help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/papetiess and sign up for Paperless Statements today. ®2010 Discover Bank, Menbm FDIC O? a PPRGRN.0810 Closing Dole: December 23, 2004 page 2 of 2 Through the generosity of our Cardmenbers, Discover(R) Card has donated more than $14 million to the Moke•A-Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashbock Bonus(R) award to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. Stay connected to loved ones this holiday season with thoughtful gifts from 1-800-FLOWERS.COM(R). Sara 15%• on your next purchase when you use your Discover(R) Cad and code DC88. Call 1-800-FLOWERS(R) (1-8043569377), click www.1800flowers.com, or come inn `For details pbase visit www.1800fkswers.com/disclaimer Everything You Need To Know - In the Account Center If you need to know exactly how much you spent on your shopping spree lost weekend, wouldn't you rather find out now than wait for your need slatemerd$ Go to the Account Carter at Discovercad.com to find out what's going on with your Account before your statement arrives in the mail MAI& Charge Summary ?e P o Nominal Transaction ANNUAL eri N NC F Daily eri dic PERCE TAGE FIN AN CE FINANCE Baldric es Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3042.71 0.04381 % 15.99% F 15.99% $39.99 $0 Cash Advances s0 0.04381 % 15.99% F 15.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discovercom or call 1-800-DISCOVER (1-800-347-2683. 8458833 New Balance Minimum Payment Due Account Number ending in 4075 l d DISCOVER $2,64947 Be ow $53.00 Enter Amount Enclose Pert Due Date 2005 22 , Please make check yto Discover Card. h hl h f t e mont y e sum o You areovedimit. Py t unt of fi t l th it e over m amo p us minimum paymen $349.47 23 SDSN6A010007604 wracco Go paperless and make HIXSON, JOSEPH cure information mation more more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discovercongpgwrless. PO BOX 71084 111 111 11511911911611 1111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Ir,lrllnlntrl1 llrnnlntlrln,rllllrrrlrrlrnlullulrrlrrlrlr,il above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645899966823502649470023000D005300 Discover Card Account Summary Closing Date: January 23, 2005 page 1 of 2 Account number ending in 4075 Previous Balance $2,806.32 Payment Due Date February 22, 2005 Payments And Credits 230.00 Minimum Payment Due $53.00 Purchases + 35.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Firarce Charges , + 38.15 Cash Credit Available $0.00 New Balance = $2,649.47 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshback Bonus Balance $ 0.57 New Cashback Boren This Period + 0.00 Cashbook Bonus Balance $ 0.57 Cashbock Bonus8 Anniversary Month: December Keep usi your Discover[R) Card and watch your Cashk Bonus(R) award growl Remember, once your Cashbook Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. , view your 1 Visit DiKaver?com to pay your bM for ra cost How Can We Help You? . West Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8"SCOVER 1347-2683) for fat, easy self-service Please have Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) no reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Jan 22 Jan 22 PAYMENT THANK YOU $ -230.00 Odwr/MivAllanoous Jan 23 Jan 23 OVERLIMIT FEE 35.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your Account was ro chosen not to do so at this time. We have terminated, however. any introductory or promotional rate on .rny specid 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. Through the generosity of our Candmembers, Discover(R) Card has donated more than $14 million to the Make-A Wish Foundafion(R). You can make a child's dream come true by electing to donate your Cahback Bonus(R) award to the Make-A-Wish Foundation. To loam how, please visit Discovercard.com or visit www.wish.org. knpataM hIM111 . If them is move Than one pegs to On big stalerrent seethe bads d each page tar addtionel important inbrma0m. o See your CaMmembar Agreement. YourCardmember Agreement contains all to terms d yourAcoount. co Z Lost or totem cards. Report immediately! Call 114M 47-26113. o Bing Rights Smranary. in Case of Errors or Questions About Your Bilk Nyou ft* your bill is wrap. or N you need more inbrrrhatim about a transactim an your bil, wide its an a separate sheet of paper at Discover, PO Bon 30421. Sal Lake C4 UT 84130-0421. as soon as possible. We must hear ham you no Water than 60 days a11er we sent you the irsl bill an c which the error or pmblern appeared. You can telephone us, bid doing so will not preserve your rights In your MW give us the fallowing idomstion: V • Your name and Arco rt number. A The doteramwd of the suspected error. Describe the error and explain. lyou can, why you believe them is an error. N you need more irtomhaiah, describe the item you are unsu s about. 04 YOU do not have to pay any amount in question while we are i vestgating, bid you em SO oWgabd No pay the pats d your bill that are not in question While we investigate your question, we aald report you as dekn erd or take any action to coiled the ar!oi4rt you question. SpwW Rae for 0*0 Card Pwdures: N you have a problem with the quality of goods or services that you purchased with a credit card, and you have lied in goad leak h to coned the problem with the merdwt, you may oat have to pay the remaning amount due an the gaits or services. You have this protection only when the prrdhase price was more tun $50 and the purduse was made in your thane state or within 180 miles of your mating address, (f we own or operate to merchant, or N we mailed you the advertisement for the goods or services, all purchases are coveted regardless dlhe amount or location of pudose.) Paymearta. Send only your payment and the top portion of this statement in the envelope presided. Do not send cash. By sending your dledc as described above, you aulhaire us to use frdamation on your check b make an Am , is krnd Mister from you account at the toxiai institution indicated on your dodo orb process the payment as a dheck lea sacion. t payment is processed as an eledwric lend transfer[ the Iremsfer will be for the amount of l le check. Whon we use informal on from your check be make as dadnahic fund trahster, funds may be wlh8awn from your account as soon as to sane day we receive you payment, and you will not receive your died back non your6nahdal i sli bon. The processing d your payment may be delayed Nyou sad cash, carespo dahoe or other ftmwM your payment, it you sand the payment b any other address or N you use an envelope albs fen the one provided. Payments received in proper form at our processing facilly by 5PM local time on any day will be dedted to your Account as of that day. Payments received at our processing tastily ai 5PM local ltrne wi be credited b yo rAocout as of the next day. N you have rmisplaced yourerwebpe, send your pagesrd to D PO Box 6103, Carol Stream. IL 60197-6103. Please slow 7-10 days for delivery. N your payment is rehashed unpaid, we reserve the right to resubmil it as an eledoinic debit You can pay minimum payment or a greater ennead over the telephone, and you can set hip adomak payments. Cal us at 1141W347460. You will need On side mertand your beds accent idmnshon. You mud emus that nufrdend lends am available in your batik accent, and all travsadions must corrpy wkh U.S. few. You will be asked to provide Ire"5 digits of you aoomW Moment ZIP code. By anloing those numbers as you electronic elgnahre, you wild be agreeing to its authorization b stow is and your bank to deduct each pay+mnt you acthaae Iran yar bank arrant, and b in0We dM a oedt w*iea b yorbauk aims!, esapplicable. b caned an error n the pr...... dsuch payma t. You mud let us the amount death payment, or you an select an amount such as the Mini urn Payment Due or the New Balance on each staler a t. Yon can cancel a parrot, however, we and receive notice at lead tree buelress days in arvai ce of the scheduled payment You may notify Its by plow at 1400347-2603 or by mail at the address fated in to pFeAm I aragraph 9 your payments may hay in amount, we will ten you an each mord* stelonent w4erh your payment will be made and haw much it will be. Your Aubrnaic payment apart may be lees than indicated an the me" statement based on credits or payments applied doing Ne big cycle. Credit Repadrg. Wte may report idan aft abed youraocou t to out bureau. Late payments, missed payments. a other defaults on your ahcourd maybe relxwd n you credit report We ro rrWy, report the stafrs aid payrrot history of your Account b milt reporlrvg agendas each month. I you believe that our report's ihaxrrale or koamplete, please write us at the following address: Discover. PO Bas 15316. Wlfairgton. DE 19&545316. Please include you name, address, home telephame umber and Account number. Periods Finance Changes. Except as presided below. we will impose Periodic Fiance Cloges an purchases. cash advances and balance harriers begir" with to dale the transaction occurs udi the dab of repayment and on Ole Balances until the date of repayment Old Balances am comprised of either purchases and cash advances made an or pda to the last day of you bring period aft during February 1993 or Reserve Lime balanoes. You can avoid payrrot of Perbdc Finance Charges an row purchases it you pay the New Balance shown on the brig statement on which the purchase Usti appeas by the payment Due Dom. and the Payments and Credits an that statement equal or exceed yar previous Balance. We cat his te'graae period' You do not have a grace period on baiamce trawlers or cash advances. Palo& Frace Charges ere imposed on new balance trawlers and cash advances beginning with the date the transaction occurs. Periodic Finance Charges are imposed on ad tmnsacfasand Oki Balances ubl the date of repayment. Repaymnem means payment of your entire New Balaruoe. However. N you pay the New Balance shown an Nis big slakrment by the Payment Due Late, and the Payments and Credits shown on this statement equal or exceed Ne Pmvlorus Balance, we will riot impose Periodic Finance Charges on new purchases, that is, purchases lid appaaig on do statement. N your Aanut was dosed as of. (s) Seplemba 27,1999; or (1) August 31, 2001 and was famhedy a Discover Pine Option. Discova NaW Alliance for Species Survival a lktvarsal Sl udios Aeconnt a (ib) September 30.2001 and was ion ery a Discover SmilisomenAccohnt, you an avoid payment of Periodic Finance Charges Nyou pay to New Balance shown on this Stawriemt by Ne Paymerd Due Date and tie Paymets and Credits an his stalaned erg d or exceed your Previous Bataroe. Otherwise, you will receive a big deterrent next mordh that Included Periodic Finance Charges imposed ud the date of repaym t We cormpr le Perilous From Charges each day IOr purchases cash advances, balance transfers and Did Balances (which we refer to as transaction ahernes) by using me blowing equation; Average Daily Balance x number of days n to brig period x Daily Periodic Rata (Ruler to the Inace charge s rn may on the hat of yaw staremod tor trese arounte.) There we add all the Periodic Finance Charges for each tar 11 , %, l category to get the kcal Periodic Finarhde dopes for yarAmount. The average Daly Balance is shown as 01 no Periods France Charges apply to to balance in a transaction category. We use the Average Daly BaWoe O during new trensadions) meted d calculating to balance upon which we impose Periodic Finance Charges. We compute to average daily balance for each trar lad ion category by adding up all to daily balances in a big period for a transaction category and dividing the ktel by the number of days in the tilling cycle. Vye oonhphry V e for each trawa9m caegay on each day by hid adding to blorrig to the previous days daily balance: trawacions made to day, fees charged that day and PAS accrued on to previous days daily balance; and by than subtracting any credits and payments that are applied against Ne balance of the transaction ategory on teal day. OW Balances are excluded from the balance old* purchase and ash advance tranSadllan categories. Special raw balance trahafenr and Balance Tratder Tra sactim Fee From Charges are included in the daily balance trarslar tiaaradion category. Balance transfers ft were sub)ed to an initial special rate tut has been temnirewd due to a We parrot are also included n to category urd to irial special rule otherwise mold have expired In calculating the daily balance of to balance transfer kar"COan category on the kd day of the tilling period. we subtract the unpaid balance d two Balance Traskr Transaction Fee Fierce Charges and balance transfers that became purchase raw balance tastes on tal day, and we add that unpaid balers to Be balance of the purchase trasacton category Ail fees charged to Your Accout we added to the purchase transaction category with the exception of Cash Advaha Transaction Fee Finace Charges which ere added b to ash advance tmnsacion category and Balance Trader Twsac hon Fee Francs Changes which are added to the balance transer transaction category t a bansacti m made in a previous filling period is itemized an this slatarent we consider the transaction dale b be the last day of ft arrant big period when we calculate your Periodic Finance Charges. For TDD (Telecommhmkatioe Drvtee for the Will asssWhw, pWm can 1-lit"7.744t. Discover may moiler andta record telephone als between you and Discover mprese taives for quality assurance purposes. The 06mvet- card is issued by Discover Bade, Member FDIC. O1TBKO56 DISCOVER It pays to HIXSON, JOSEPH l._ DC?Y Aabcount number ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/popwiew and sign up For Paperless Statements today. 62010 Dircow Bm*, Mwba FCC 114 1k, A PPRGRN.0810 Closing Date: January 23, 2005 page 2 of 2 Stay connected to loved ones this holiday season with thoughtlul gifts from 1-800flOWERS.COM(R). Save 15%• on your next purchase when you use your Discover(R) Card and code DC88. Cal 1-800-FLOWERS(R) (1-804356-9377(, click www.180011owers.com, or come inl -Far details please visit www.1800Rowws_com/disclaimer Everything You Need To Know- In the Account Ceder. If you need to know exactly how much you spent on your shopping spree last weekend, wouldn't you rather find out now than wail for your next slatemed'd Go to the Account Center at Discovercad.com to find out what's going on with your Account before your statement arrives in the mail. MMM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCB ITAGE FINANCE FINANCE I nces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2809.98 0.04381% 15.99% F 15.99% $38.15 $0 Cash Advances s0 0.04381% 15.99% F 15.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as nosed above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). 8458833 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $2,294.36 $46.00 Enter Amount Enclosed Below Payment Due Dale $ March 22, 2005 Please make check payable to Discover Card or pay online 0 Discovercard.com. 23 SDSNSA01 0007605 inforpaperless and make your account HIXSON, JOSEPH Go orra e with vvdh password- mation ation more rm ree secusecu password- 917 THORNTON DR protected statements only you can access. 917 MECHANICSBURG PA 17055-5752 Learn more at discovecconVpaperiess. PO BOX 71084 Ill. A 118141 Ill tolls 11111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 11111111111111 11 Is is IIll 1111111111111Oil IIll llll1Ullllrhlll above, or go to Discover.com. Print yaw e-mail address to receive important Account information and special offers. 000001986458999668235022943600230000004600 Discover Card Account Summary Account number ending in 4075 Payment Due Date Mach 22, 2005 Minimum Payment Due $46.00 Credit limit $2,300.00 Credit Available $5.00 Cash Credit limit $1,200.00 Cash Credit Available $5.00 Closing Date: February 23, 2005 page 1 of 1 Previous Balance $2,649.47 Parents And Credits 390.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance charges + 34.89 New Balance =2,294:36 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 0.57 New Cashbook Bonus This Period + 0.00 Cashback BonusW Aare iversary Month: December Cashback Bonus Balance $ 0.57 Keep usinngg your Discover(R) Cad and watch your Cashback Bonus(R) award growl Remember, once Yom Cashbook Boars award is at bast 20, you can redeem your award by calling us or by 699ing into the Account Center at Discovercord.com. How Can We He! You? I visit 06caver cons to pay your lei for no cast, view P latest Account information, earn and redeem reward L more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Sant Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence Post Data Payments and credits tan 24 Jan 24 FINANCE CHARGE REFUND $ -45.00 Jan 24 Jan 24 OVERUMIT FEE REFUND .35.00 Feb 22 Feb 22 PAYMENT THANK YOU -230.00 Feb 23 Fab 23 FINANCE CHARGE REFUND -45.00 Feb 23 Feb 23 OVERUMIT FEE REFUND -35.00 A An 6M-1-Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGE$ current billing period: 31 days Purchases $2568.98 0.04381% 15.99% F 15.99% $34.89 $0 Cash Advances $0 0.04381% 15.99% F 15.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Security Information: Some criminals imitate the a-mails of legitimate companies to entice people to share personal information. This is known as "phishirngg." By following a few simple slaps, you can keep your personal information safe and secure. For details, 9o to Discavercard.com and dick on Security Information under Online Safety. Important Information. Nthereis more than one page b tit big statement, seethe back of each page br adddional important information. Sae your CardnaMar Agreement. Your Cardmentm Agreement cations all the lerms d your Account Lod or slow cads. Report inmecklely? Cal 140Q347-268& Bi ft Rights Sumeary. in Case of Errors or Questions; AbosA Your Bill: N you ttnfk your bill is wrong. or d you need more information about a transaction on yaw tit, wile us on a separale sheet of paper at Discover. PQ Bak 30421. Sat Lake City, UT 8413001121. as soon as possible. We must them from you no Wer than 60 drys a ller we sent you to first bill on which the error or problem appeared. You can telephone us, tut ding so will not preserve your rights. In your later, On us the Mowing information: Your mane and Account number. The dollar amount of to suspected error. Describe the error and explara fi you can, why you believe tare is an error. 9you need mac information, describe to kern you are annxe about You do not have to pay any amount in question while we are iwestigatrg, but you are still obligated b pay the parts of your bill that are not in %wWoo. kthfie we investigate your question, we cannot report you as delinquent or tele any action b collect the amorrd you quesliah. Spacial Rule for Craft Card Phrclesa: N you have a problem with the ghsily of goods or services that you purchased with a cracit card. and you has Wed in good fain to cared the pnoblmn with the owftnt, you may not have b pay the mrak" arrant due onto goods orservices. You have tots prmlection only when the prrdhaseprice was mac ten $50 and the purchase was merle in your home slate or witlmn too miles dyer rnaing address. (Nwe own oroperate the merchant, or lwe mailed you the advaieament fa t e goods or services, all purchases are covered regardless of the amount orbation of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not sand hash. By sending your check as described above, you authorize us to use nbrmaion on your che& b make an electonic find transfer ban your account at the financial ihsthrtion indicated on your deck or to process to period as a deck transaction. N payment is processed as an electronic hand frontier, to sander will be fate amain d the deck. VOen we hie nforrnxm from your check b male an daCfrom " knd traster, fads may be withdrawn from your aoceurd as soon as the same daywe receive your parrot. and you will not receive your deck back from your irhendal issbktim. The processing of your parrnent maybe delayed Nyou sad cash, co espo Bence or offer terns with your pay+rant, l you sand the payment to a y ota addiners a l ym mean envelope ate ten the one provided. Payments received in props format our processing facility by 5PM local tine on any day will be credited to yo rAeoourt as dtlwt day. Payments; received at our pnxxssng laclly aller5PM local erne wit beceedled to yourAkmounl as d the next day N you have misplaced youcenvstmpe, send your paymml IoDiscovsr. PO Box 6103, Carol Stream. IL 60197.6103. Please allow 7-10 days ford livery. N your payment is rearmed unpaid, we reserve the right to reskdnil i as an eectoricdebil. You an pay minimum payment or a greater amount aver to telephone, and you an ad up automatic: payments. Cat us at 1400-347-2603. You will reed this sletemrt and your bank account inamaton. You must ensure that sufficient find are available in your bank accouK and all basactiors must co" with U.S. law. You ail be adbdb provide to fist 5 dgla dyer amount defenert ZIP code. By entering rase numbers as your eWdm is signature. you will be agreeing to this authorization to allow in and your bakbdeduct each payment you authorize from you bask arrant, and to ihitide debtorcreditentries to your bank accent, as appticabfa, b coned an am in to processing dxwch perrrerhl You mud lei we the are oust d each payment, or you can select an amount such as the Minimum Parrot Due or the New Balance on each statement. You can cancel a pepnent, however, we mud receive notice at lead tree business days in advance dlhe scheduled parymennl You may no* us by phone at 1400347-2683 orby mall it the address MW ih Ie pavil mss paragraph. N your parents may very in amoxd, w , will tai you on each moony statement when your payment will be made and how much it will be. Your AUaralic permit amo rt may be leas than indiraled an to monthly statement based on credos or payrrhass applied drug to big cycle. Credit Reporting. ft may report information about you accost b rxedl bureaus. Lab payments , missed payments, or other defaults any= accou tmay be rh'tecbd'n your oredl repot. ft ntxmsfiy repot the darks and payrrnas hisbry oOwAmoM b aedl rep 6 ageroa each "vM Nye beieve turf our report is iremrale a i co. , please Waite us at the btiowi g address Discover, PO Box 15316. Wilmington. DE 19656-5316. Please include your name. address, home teleplronne number and Aceo ntri tuber. Periodic Fronde Changes. Exoept as provided below we wi impose Peniock inane Merges on purchases, cash advances and balance lianders hegishig with the date the transaction occurs until to dale of mpaynenf end an Old Balances;nd the date of repayment. Old Balances we mrnpraed of eiuer purchases and ash advances made on or prior to the last day of your billing period ending brig February 1993 or Reserve Lae balarhces. You can avoid payment of Periodic Rena Charges on new purchases fi you pay to New Balance shown on the filing stabmai on which be purchase first appears by to Payment an Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We at dis the'grace period You, do not have a grace period an balance transters or ado advances. Periods Finance Charges are imposed on new balance transfers and ash advances begiw%with to dad the Vasaction ocwm Periodic Finance Chagas are imposed on all transactors and Old Balances until the date of repeynent. Repayment meal payment of your entire New Balers. Noweva. I you pay the New Balance shown an this big statement by to Parrot Due Date, and the Payments and Credits shown an tots statement equal or e oceed the previous Balance, we will not impose Periodic Finance Gorges on new purchases, ilat is, purdases first appearing on this statement N yaw Amount was dosed as at (i) September 27,1999, or on August 31, 2001 aid was hxmrly a Discover Prime Option, Disoover 1.4; fi l ; Alliance for Species S~ or universal SardiosAcmu nt. or (i')a September 3Q 2001 and was formerly a Discover Smithsonian AociouK you an avoid payment of Periodic Finance Charges fi you pay to New Balance shown on this Stdanan by to Payment Due Dale and h Payments and Credits on tit staemad equal or exceed your Previous Balance. Otherwise, you will receive a billing statement next math that included Periodic Fit Goalies imposed uhd the data of repayment. ft compute Periodic Finance Charges each day for purchases, ash advares, balance Varslers and Old Belakces (which we refer to as transaction cabgaies) by using to bbNirg equation; Average Daly Balance x number of days In the billing period x Daly Periods Rate. (Refer to to finance charge s mil may on the bunt of your sletarhar for these amounts.) Than m add at the Penodc Fnahce Chagas for each bansacfon category to get to foul Periodic From charges for your Account. The average Daily Balance is shows; as 0 t no Periodic Fnance Charges apply to the balance in a transaction category. We use the Average Daly Balance (incudrg new transactions) method of calculating to balance upon which we Impose Periodic France Charges. We compute to average daily balance for each bareacticn category by adding tip at is daily bafa des in a biting period for a transaction category and dividing to total by the number of days n to big cycle. We a?oe? for each accrued tans on fhe h category previouis das ? by *9 ? g ? fhe klowing to the subtracting any ? daYs dairy that ballerina: ore e applied made the my, fee charged tat day and 0Qe and paymsmts that aPPtiad against the beiahx dthe kansacion category on 69 4". Old Balances are excksled from it* balance of the purchase and ass advance tansacbm categories. Special rate balance transfers and Balance TrairaftirThinsection Fee Finance Charges are included in to daily balance transfer transaction category. Balarhce transfers tat were subject to an initial special rate that has been terminated due b a tale payment are also inchu I in the can" urd the initial special fate otherwise would have expired. In calculating the daily balance of the balance bansc frarsaclim abgayon the first day of the bung period. we adeact the unpaid balance of those Balance Trend& Transaction Fee Fames, Charges and balance transfers that boom* pacheae rate balance trances on that day and we add 90 unpaid balance to to balance of the purchase transaction category. Al tees charged b yomAcm rd are added b to pudese tra u rill, h category with the exception of Cash Advance Transaction Fee Hionce Charges which are added to to cash advance transaction category and Balance Transfer Trasacim Fee France Charges which are added to the balance transfer trasaction category New-mr-en trade in a previous Ming period is iem¢ed on this statement. we consider to transaction date to be to fist day of to cement burg period when we calculate your Periodic Finance Charges. For TOO (Tabcommhnicatirw Dabs for the Dsaf) aadWnce, plem call 14MUT-7449. Discover may monlor ardor record Wephone cats between you and Discever tepressrbWes for quality asarance purposes. The Discover' card is issued by Discover Bank, Member FDIC. OITBKO56 New Balance Minimum Payment Due Account Number endirg in 4075 DISCOVER $2,012.42 $41.00 - - - Enter Amount Enclosed Below Payment Due Date $ ?- -? Apra 22, 2005 Please make check payable to Discover Card or pay online @ Discovercard.com. 23 SDSN6A01 0007606 HIXSON, JOSEPH GopaperlessandmaimyaraecatM information more secure wih password- 917 THORNTON DR protected statements onyyaucanaccess. MECHANICSBURG PA 17055-5752 Learn more at discovercornHpaperless. PO BOX 71084 Illrr,llrrrrrirlrrllrrlrlr CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Inlrllulurlrllnrlulnlunllllnnlnlnlnllnlnlnlrlull above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235020124200230000004100 Discover Card Account Summary Account number ending in 4075 Payment Due Data April 22, 2005 Minimum Payment Due $41.00 Credit Limit $2,300.00 Credit Available $287.00 Cash Credit Limit $1,200.00 Cash Credit Available $287.00 closing Dais: March 23, 2005 page 1 of 2 Previous Balance $2,294.36 Payments And Credits 310.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 28.06 New Balance $2,012.42 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Sonuse Opening Cashback Bonus Balance $ 0.57 New Cashbock Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: December Keep using your Discover(R) Card and watch your Cashbock Bonus(R) award growl Remember, once yyoou?r Coshback Bonus award is at least $20, you can redeem your award by calling us or by lagging into the Account Center at Discovercard.com. Cashback Bonus Balance 0.57 How Can We Help You? I Visit Discovercorer to pay year bit for no cost, A your latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2• Call 1.8004XSCOVER (347-2683) for lost, 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 Soh Lake City, UT 84130 Transactions Payments and Credits $0 Fraud liability Guarantee Use your Discover Cad with confidence. Trans. Post Date Data Mar 22 Ma 22 PAYMENT THANK YOU Mar 23 Mar 23 FINANCE CHARGE REFUND Mar 23 Mar 23 OVERUMIT FEE REFUND $ -230.00 -45.00 -35.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04381 %; corresponding ANNUAL PERCENTAGE 8-339%. Rate is subject to the terms of the offer including expiration. Cal 1-800.767.7315 today or visit Discovercord.com to find out if you qualify for a valuable Balance Transfer offer It's a fast and easy way to save moneyl Paperless statements can jumpstart your spring cleaningl Get rid of the excess paper in your life by receiving your Discover(R) Card statements online instead of by mail. You'll gel an e-mail letting you know when your statement is ready to view online. You can even pay your big online while you're there. Go to Discovercard.com to sign up. Did you know that millions of credit cards are last or stolen every year? The Register(R) can help prevent credit card fraud) In the event your cads are last or stolen, we'll cancel them and have new ones reissued to you. Plus, you'll receive a credit report & 60 day monitoring. Call 1-800-347-3395 or visit Discovercad.com to enrol. Important bllormadon. If there is more than one page to this Ming statement, see the bads of each page for additional important intonmabon. See your Cardmember Agreement. Your Cardmember Agreement contain all the tams of your Account Lost or sbler cards. Repot immediately! Cat 1.100347-2681 Biting Rights Summary. In Case of Errors or duestionsAboul Your Bib t you fink your bill hs wrong, or if you need more nkmation about a trannad on on your bill, write us on a c separate stoat of paper at Discover, PO Box 30421, Sall Lake Cty, UT 84130-0421, as soon as possible. We must hear nom you no later than 60 days alter we sort you to first bill on °o which the error or problem appeared. You can telephone us, but doing so will not preserve you rights. In your idler. gw us the blowing irtomatiorr Your new and Account number. The doles amount of the suspected error. Describe the error and n?70ain, if you can. wiry you believe there is an error. K you road more Mir ation, 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 pats of your bit that are not it question. While we investigate your question. we cannot repel you as delinquent or take any action to collect the grout you question. Special Rule for Credit Card Purchases: t you have a problem with the quality of goods or services tat you pudased with a credit cad, and you have tried in good failh to cooed the problem with to mioc ant. you may not have to pay the remaining amout die on the goods or services. You have his protection only when to pudaset price was more tan $50 and h purchase was made in you tonne stale or within 100 mks of your mailing address. (t we own or operate the madhent or It we mated you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send any you payment and the top portion of In statement in the envelope provided. Do not send hash. By sending you died as described above, you a ilhom us to use nianna§ah on you died to make an electronic krhd taster from your amount at the mensal isItWion ihddceled an your ead or to process the payment as a dock transaction. If payment is processed as an electronic lead transfer, the Yarslor will be for the man of the dock. When we use i lormraion from yaw died to make an dedraic timid tamosi, funds may be withdrawn him you accent as soon as the same day we receive your payment. and you will not receive you dodo back Aram your linandal institution The pig of your parneht may be delayed It you send rash, ran espondeoe or other inns wth your payrmmt, t you send the payment to any other aedhevs or t you use an envelope other tan the one provided. Payments received in proper form at our processing fadity by VM local tine on any day will be credited to your Account as dtat day. Payments received ato r pnocesso g facility Wier 5PM local time will be credited b yourAmountas nth nod day.tyou have misplaced you envelope, send your payment to Discover. POBm 6103, Card Stream. IL 60197.6103. Please allow 7-10 days for delivery. t you popwd a reeaned aped. we resew the right b re%Mg k as an elecforic debt You can pay minimum payment or a greater amount over to telephone, and you can set up automatic payments, Cal is at 14800.347-2683. You will reed this stalmer and you bank acrou t intimation. You most ensure tal suiclent finds are available in your bank accous, and all trarsac . rest comply wlh U.S. law. You will be asked to provide the fray 5 digits of your accent statement ZIP code. By entering those numbers as your eledmni: sigrhalm, you wi be agreeing to this authorization to allow us and your bwd to do" each payment you authorize from you bath account, and to n bate debit or cried entries to your bank aomut, as applicable, to x an error in the Mocessirg d such psyrne t You rant lei us h amount of each payment or you can select an amount such as the htrnnirirn Payment Due or to New Balance an each statement. You can caned a payment. howaver, we must receive notice at least tree bxsihess days in advance of the sdhedled payment You may no* us by flare at 1-000.347-260 or by mail at the address listed in to previous pa ogr iph. t your payments nay vary in amount, we will ley you on each monthly shalemal when you payment will be made and haw much it will be. YourAubmatic payment amount may be less tan indhcaled on the monthly statement based on credits or payments applied during to billing cycle. Credll Repo". We may report information anal your account to a" bureaus. Late payments, missed payments, or other defasMs on your account may be retitled in your credt report. We normally relrt the skin and payment history of you Askant to as& reporting agencies each mash tyou believe Shat cur report a macerate orimnpkle. please write us at the b8owing akkess: Discover, PO Box 15316, Wilmington, DE 198505316. Please ndde you name, address. home Melthhons comber ad Acme t number, Periodic Finns Charges Except as provided below. we wi impose Periods finance Charges onpudases, cash advances and balance tramsle begirhig with h dalethe transaction occurs until the date of repayment and on Old Balances until the dated repayment. Old Balances are comprised d either p rdtases and cash adranoes male on or priorb the lest day of your bitting period ending dung February 1993 or Reserve Line balamxs. You can avoid payment of Periodic Finance Charges on new purchases It you pay the New Balance shown on the billing statement on which the purchase fret appears by the payment Due Oak. and the Payments and Credits on that statement equal or exceed you Previous Balance. We ON this to Vrace period' You do nd haw a grace period on balance traslers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beyrnng with the date the transaction occurs. Periodic Fnancce Charges are imposed on all transactions and Old Balances unit the date Of repayment. Repayment means payment of you entire New Betake. However, t you pay the New Bamce shown on this Bing sta rient by the Payment Due Date, and h Payments and Cretins shove on ifs statermhent equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is, purchases fimstappeasing on this statement. tyour Account was dosed as of. pt. September 27,1999; or no August 31, 2001 and was iormeriy a Discover Prime Option. Discover National Alliance for Species SuvbvaP or Univensa Studio; t, or (it) September 30, 2001 and was formerly a Discover Smitsaw Account, you can avoid payment of Periodic Finance C haiges t you pay the New Balance shown on his Statement by the Payment Due Date and to Payments and Creels on this stakmerht equal or exceed you Previous Balance. Otherwise, you will receive a billing statement red month ht included Periods Finance Charges imposed unti the date of repayment. We Compute Periodic Fiance Charges each day fa purchases, cash advances, balance tarsiers and Old Balances (which we reler to as farsacton categories) by using the Ins"M equation; Average Daly Balance x lumber of days in tre bifeg period x Daly Periods Rae. (Rehab the tranx charge summary on the tom of you statement for these amounts.) Than we add all the Periodic Finance Charges for each trdrsaclain rateM b get fie total Periodic Fines charges for yam Account. The average Daly Balance is shown as 0 t no Pedock Finance Charges apply to the balance in a transaction colegay. We use the Average Daly Balance (including new transactions) method of Calculating tine balance upon Mtich we impose Periodic Fnance Charges. We compute the average daily balance for each transaction category by adding up all the daily belances in a bung period for a transaction category and dividing the bfal by h number of days n the biting cycle. We comprhle]he I?ai cgfor eair tansactionn caegory on each day by first adding the felowing to tra to visas dayrs daily balance: transactors made to dW lass charged the day and P amued on the previas day's daily balance; and by then subtracting any crafts and payments tat ore applied against the balaneedthe transaction category on that day. Old Balances are exduded from the balance of the pxrdhase and cash advance transadon categories. Special rate balance transient axf Balance Tio sler Transaction Fee Finance Chagas are ncsded n the daffy balance transfer trasacbm category. Balance barhsfers Ito were subject to an niia special rate that has been lermiated due b a late payment are a o included into category, urd the kits special rate otherwise would have expired. In calculating the daily belamre oft he balance trahsler transaction cossMon h wday of the billing period, we subtract die unpaid balanced those Batnce TrasferTrasaram Fee Finance Charges and balarre tasters the become prdhese mate be*= trashes on t el day and we add the unpaid balance to to balance of the purchase transaction category All lees charged to youAccount madded to die purchase famsactiorh category %Ah the eroept n ofCash AdvameTrasacton Fee Finace Chagas which areadded to the cash advance fawadbn category and Balance Transfer Transaction Fee Finance Changes which am added to the balerhas taster aasaroon cakgony. t a vamacbDn male ih a previous billing period Is temaed on this statwnoK we consider the famsaction dale to be the *9 day of the mom billing period whwrh we calculate your Periods Finance Charges. For TDD (Teleeon-micatons Device for the Deal) assistance, please rat 14MI- 7.7449. Discover may mordor ardfor rend telephone calls between you and Discover representalm for quality assurance purposes. The Discover' cad is issued by Discover Bate, Member FDIC. O1TBK056 DISCOVER pays HIXSON DISCOVER , JOSEPH It to Account number endinDISCOVER Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 020 10 Dino Bard, Member FDIC PPRCRN.0810 Closing Date: March 23, 2005 page 2 of 2 Thinking of movingT The Register(R) will notify all your creditors and let them know of your new address. With our Property and Document registration service, we also make it easier for you to fib a claim if important possessions are lost to fire, thek or natural disaster. Call 1-800.347-3395 or visit us at Discovercard.com for details. Build your Cashbock Bonus(R) award with every bill you pay automaficaNy with your Discover(R) Card. Cell phone, cable and Internet service and health clubs: you can pay so many recurring bills with your Discover Card. What a smart, easy way to save time and money - and earn a bigger award! Visit Discovercord.com/outobillpay to learn more. Redecorate. Remodel. Get More. Sign up today and get 5% Cashback Bonus(R) at Ace Hardware, Bed Bath & Beyand(R), Lowe's(R), Menards(R), Pier 1 Imports, Restoration Hardware, SHERWIN-WIUJAMS(R), Smith dr Hawken(R), The Container Store(R), The Home Depot(R). Cal 1-806DISCOVER or visit Discovercad.com and reward yourself March through May. 14AYWCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERC04TAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES _ CHARGES current billing period: 28 days Purchases $2288.68 0.04381 % 15.99% F 15.99% $28.06 $0 Cash Advances $0 0.04381% 15.99% F 15.99% s0 $0 The robs that apply to your Account are either fixed (F) or they may vary M as noted above. QU@S6011S? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683. 8458833 ,, New Balance DISCOVER Minimum Paymerd Duel Account Number ending in 4075 $1,809.72 $37.00 Enter Amount Enclosed Below Payment Due Data $ -1 May 22, 2005 Please make check payable to Discover Card or pay online ® Discoverc? . com. 23 SDSN6A01 0007607 HIXSON, JOSEPH Go PaPertessandmakeyouraccount information more secure with password- 917 THORNTON DR prdected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discovercoMpaperless. PO BOX 71084 IILaalLoanlalr?lLnLIJ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print chanW=6 InnlnI InrlunlnllurlulnluollIInnlulanlrr)Io(nII I I I I I I II above, or go to Discover.com. Print your e-mail receive important Account inkxmation and special offers. 000001986458999668235018097200230000003700 Discover Card Account Summary Account number ending in 4075 Payment Due Date May 22, 2005 Minimum Payment Due $37.00 Credit Limit $2,300.00 Credit Available $490.00 Cash Credit limit $1,200.00 Cash Credit Available $490.00 Closing Dab: April 23, 2005 page 1 of 1 Previous Balance $2,012.42 Payments And Credits 230.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance owes" + 27.30 New Balance = $1,8099,72- - You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshbock Bonus Balance $ 0.57 New Cashback Bonus This Period + 0.00 Cashback Bonus& Anniversary Month: December Keep using your Discover(R) Card and watch your Cashbock Bonus(R) award growl Remember once yyoour Cashbock Bonus award is at least GuOr you can redeem yyoour award by calling us or by logging into the Account Center at Discovercard.com. Cashbodc Bonus Balance $ 0.57 How Can We Help You? P I Visit Diocowr com to pay yaw bM for no oat, view l A f atest ccount In ormation, earn and redeem rewards 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. Writs us at Discover Card, PO Box 30943, Sale Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use yaw Discover card with confidence. T? P o Dab D s Payments and Credits Apr 22 Apr 22 PAYMENT THANK YOU $ -230.00 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04381 %; corresponding ANNUAL PERCENTAGE RATE: 15.99%. Rote is subject to the terms of the offer including expiration. "MM Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Boldnc? Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2010.85 0.04381% 15.99% F 15.99% $27.30 $0 Cash Advances $0 0.04381% 15.99% F 15.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rooted above. What if your credit falls into the wrong hands? Reduce your risk of identity the8 and credit fraud with ProfilsProtect(R). This comprehensive service helps safeguard you against misuse of year personal credit information. Visit ProfileProtect.com/safe for more information or to enroll. Important YdormaYom t there is more man one page to tin biting staternert see to back otearh page for adds iaW inportaitinformation. Sea yarn Cadme mberAgreahwnl Your CbWnember Agreement contains all me terms of your Acc"L Lose or MA cards. Report nil nedately! Call 14IW347-2663. Burg RWM Sunsnary. In Case of Errors or OuestilonsAbout Your Bill: If you tint your bit is wrong, or t you need more inbrmatbn about a transaction on your bit. wit us on a separate sheet of paper at Discover, PO Box 30421. San Lake City. UT 641300421, as soon as possible. We met hew from you no enter man 60 days aller we sent you th11 first big on which the error of problem appeared. You can telephone us• but doing so wig not preserve your 46. In your killer. give us the bgnwing Information: Your name and Account number. The dollar amount of the suspected error. Describe Mme error and explain. 6 you can. why you believe mere is an ammo. t you need more infomaGm, describe In item you we unsure about. You do not have to pay any apart in question white we are investigating, but you are still obligated b pay the pals of your bit that are not in question. W*& we investigate your question. we cawed report you as delinquent or take any action to caged the amount you question. Special Rule for Credit Cad Purchsses: If you have a problem with the quabty d goods or services OW you pudosed with a aedi card. and you have VW in good fain to oared the pmhlern with the merchant, you may not have to pay to remaining amount due on to goods or services. You have this pidection only when to purchase Price wim more than $50 and the Auden was made in you home stale or within 100 miss of you mailing address. (I we own or operate Mme mencha t, or dare mailed you the adverlisermnert for the goods or services, all pu idoses are covered regardless of the mount or loaMat of purchase.) Payments. Said arty your payment and the top portion of this statement in the envelope provided. Do not sad cash. By sending your check as described above, you ahslsi me es to use information on your deed to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the Payne M as a check transsaction. M payment is pocessW as an electronic fend transfer, the tansier wit be for the wnmxt d the deed. Ydm we use kimnetm from you dock b make m d edtroric Turd trareter, furls may be withdrawn from you amount as soon as tie sane day ova reown your payment, and you veil nos receive your dud Wit hern your financial ncMeaion. The processing dyke payment maybe delayed N you sad cash, correspondence or other items with you paymeu, iyou sad the payment to any other adbssa or if you use an envelope other tan the one provided. Payments received in pops form at our processing faciey by 5PM foal line on any dry will be credited to you Aooumt as of OW day. Payments received A our plooessitg faulty aW 5PM kcal time wil be credited to yarAccount as tithe next day gym hate nssplecyd yours ft* pe, send yerpsym em b Dscover. PO Box 6103, Card Stream, IL 601976103. Please allow 7-10 days for delivery. M your payment is reamed unpaid, we reserve me right to resubmit k as an ebudi0ricdetli You can pay mini sin payment or a greater amount ova the Weplnne, and you can get up automatic payments, Cal us at 1400.347-2663. You will need tits nfalarnerd and you bank account information. You must ermse that suicad kinds are available in your bank acmud, and all transactions must conplywih U.S. lam You will be asked to phouide to 69 5 digits of you acseut statement ZIP code. By entering nose numbers as your electronic skpaYre, you will be agreeing b Mhk a llhodvatm fo allow us and your bw* b deduct each payment you audom lam you bade account, and to i it ale debit or aedi entries to your bank apart. as appliade, to coned an mor in the poopsirg dsueh psymert You mast let us the mount of each paymet, or you can select an anent such as Be hMinimum Payment Die or the New 6611x1011 on each MAMOrL You can ca1Cal a payment, hoasve, we met receive notice at least tree business days in advance of the scheduled payment. You may naty us by phone at 14"7-2683 or by mail at me address hied in the previous paragraph. t your payments may vary in amount we will Id you an each monthly statement when your payment will be made and how, much it will be. Your Automatic payment amount may be less than indicated an the monthly statement based on credits or payments applied during the billing cycle. Cm& Reporting. We may report information about youracmut to mdil bureaus, Late payments, missed paymesds. or eMher defaults an your account may be reflected in you a" report. We nnomisly report the steles and permit history of yaw Account to acct repor" agerhries each month. t you believe mat our resort is macagase or incomplete, obese write us at the folowing aJtress: Discover. PO Box 15316. Wiimigbn. DE 19850-53% Plans include your name. afrkess, here telephone amber and Account number. Pe ft* Fhwm Charges. Except as provided below. we will impose Peiodc Finance Charges an purchases. cash advances and balance bansfas beginning wit to date this trassa8m occurs Iris the date of repayment and on Old Balances unit the date of repayment Old Balances we co nprised of either purchases and ash advances made an or prior to the lest day of you biding period ending dump February 1993 or Reserve Line baWices. You can avoid payment of Periodic Finance Charges on new purchases t you pay the New Balance shown an the big statement on which the Rxdeee first appears by the payment Due Dale, and the Payments and Credits on that statement equal or exceed your Previous Balance. We al this the grace p wd' You do not have a grace period on balance transfers or ash advances. Periodic Finance Charges are imposed on new balance trarbfers and cash advances WON" with the date the transaction occurs. Periodic Fi a hoe Charges acs imposed on al transactions and Old Balances until the date of repayment. Repayrtwt means payment of your entire Now Balance. However. it you pay the New Balance shown on this biting satemem by the Payment Due Date, and the Payments and Credits shown on to statement mewl or exceed to Pinnimus Babir". we will not impose Periodic France Charges on new purchases, the is, purchases tee appearing on this salsmert. t your Amount was dosed as d: (i) Seplrnber 27,190, or (d) August 31, 2001 and was formerly a Disom Prime Option, Discover NationalAllance for Species SmW orUniversal SkdhosAccoW, or (i) September 30.2001 ad was fmnerly a Discover Smithsonian Account, you an avoid payment of Periodic Finance Charges t you pay the New Baance shown on as statened by the payment Due we and the Payments and Credits an this statement actual or exceed you Previous Btdanee. Otherwise, you will revive a burg statement next math that included Peiodic Finance Charges imposed Irlli _ the date of repayment. We compute Periodic Finance Charges each day for purchases, cash advances, balance aarisfers ant Old Balanag (which we refer to as transaction catepnes) by using the blowing equation: Average Daly Balance x number of days in the big period x Daly Periodic Rate. (Refer b die finance doge summary on the kit of you saterrat for Can anoints.) Thu we add all to Periodic Finance Charges for each transaction category b get the foal PerlbdiC Fiance charges for your Accourt. The average Daly Balarmce is shown as 0 t no Periodic Finance Chagas apply to the balance in a transaction allegory. rye use theAvrage Dady Balance (including new transactions) method of Woulatig the balance upon which we impose Periodic Fsance Charges. V%nellpUle the average daffy balance for each transaction category by adding up al Ma daffy balances n a biting period for a transaction category and dmft to total by the number of days in the big tide. We compufe anhce for each em aKOW allegory on each day by first adding the folowig to the previous day's day balance: transactors made mat day, lees charged that day ad 9&- accrued on me previous day's daly balace; and by then sbtracing any credits and payments M are applied against the balance of the transaction category on tut Old Balance ore excluded from the baarnce of the purchase and cash advance transaction allegories. Special rate balance transfers and Balance TrasfaTra saction Fee Finance Charges are included in tre daffy balmoe transfer transaction category. Balance tasks that were subject to an initial special rate to has been tenrminaled An Ina late payment are also iick in the category until the imai l special rate ache vise would have expired. In alataft the dally balance of the batarce transfer traeactlonh category an the fret hay of the bang period, we s6tact the unpaid balance of tole Balance Transfer Transaction Fee France Charges and balance transfers the become purchase rate balance trastrs on that day and we add to unpaid balance to the balance of the pmrc m transactor caegory. AN fees charged to you Account are added to the purchase traraadlorm category with the exception of Cash Advance Transaction Fee Finance Cargee which are added to the ash advance transaction category and Balance Trasler Transadion Fee Finance Charges wtarh are added to the Imalace transfer transaction category , Ma transaction made in a previous big period is Itemized on tits statement. we owsider the transaction date to be the first day al the current birg period when we calculafe yo r Periodic Financcs C hinges. For TDO (rdsoausaatcatons Device for the Deaf) aestsWhce, please cal 14063474449. Deana may monitor ardor record lelephorm ak between you and Discover representatives for q mtiy amsarnce purposes. The Discover" card is issued by Dwover Bade, Member FDIC. OlTBKO56 New Balance DISCOVER Minimum Payment Due Account Number ending in 4075 d B l l $1,791.60 ose e ow $73.00 Enter Amount Enc Payment Due Date $ Jun* 22, 2005 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $37.00. 23 SDSN6A01 0007608 Go paperless and make your aooount HIXSON, JOSEPH information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn moreat discovercornipaperless. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?rn1n11rr1un1e11nn1er111nnr1111nn1loll r1r11re1n1n111n11 above, or go to Discover.com. Print your "oil address to receive important Account information and special oilers. 000001986458999668235017916000000000007300 Discover Card Account Summary Account number ending in 4075 Closing Date: May 23, 2005 page 1 of 2 Payment Due Date lure 22, 2005 Minimum Payment Due $73.00 Credit Limit $2,300.00 Credit Available $508.00 Cash Credit limit $1,200.00 Cash Credit Available $508.00 Previous Balance $1,809.72 Payments And Credits 80.00 Purchases + 39.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 22.88 Now Balance 1_ $1,791.60 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.57 New Cashback Bonus This Period + 0.00 Casfibcck-aariuse Anniversary Month: December Cashback Bonus Balance $ 0.57 How Can We Help YOU? 1 Visit Discovercom to pay your oil for no cost view your p latest Account information, earn and redeem rewards and more it's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For fast, easy selfservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Solt Lake City, UT 84130 Transactions $0 Fraud Wilily Guarantee Use your Discover Card with confidence. Trans. Post Dalis Dais Payments and Credits Apr 24 Apr 24 FINANCE CHARGE REFUND $ -45.00 Apr 24 Apr 24 OVERUMIT FEE REFUND 35.00 other/Miscelmreous May 22 May 22 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,_ony.introductory or promotional role on purchases and any special balance translier 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. Y6M2'cZfR past due. Please pay your minimum monthly payment plus the post due amount Balance Transfer offer for curert billing period: Daily Periodic Rate: 0.04381 %; corresponding ANNUAL PERCENTAGE RATE: 15.99%. Role is subject to the terns of the offer including expiration. The DiscoverIP) Gift Card is a festive, prepaid card that works lust like a credit card - at malls, online and most everywhere the Discover Card is welcomed. The Discover Gilt 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. Build Your Savings on YOUR Schedule! Open a Discover Bank Money Market Account and sign up for AutoSavers today! Save money for whatever you wish by scheduling weekly, bi-weekly or monthly deposits into your Accountl Visit Discoverbank.com. Member FDIC. Important Inbmrabm. If IhOre is more than one page b this billing statement see the bads of each page for additional importard nbrmalion. cov See your Cardmember Agreement. Your Card er berAgreement coin ins all to terms of your Acoanl z Lost or sben cards. Report immediately! Call 1.60 W.2663. o BBtng Righds Summary. In Case of Errors or Questions About Your Bill: t you think your big is wrong, or d you need mare idomution about a t on your bit, write us on a 1. Sall Lake Qly? UT alter we son you the W b6 on 8413D-0421, as soon as possible. We MUSI haw kom You no lalff Im 60 days of POW at Discover, PO Box sherit ti Z g teleph error ak us bid doing so will not preserve your rights. your ?Iler, gin us tlrebgorrig idomm6m: problem appeared. You can which the or Your name and Account number. o The doter amount of the suspected error. ? 0 Describe the error and explain, t you can, why you believe there is an error. t you need more information, desclbe the gem your one ensue abcuf 4 You do not have to pay arty amour in qu edon while we are kniestgaft but you are sbh obligated to pay the parts of your bit that are not in question. Whit we iwestgate your _dynestm, we cannot report you as delinquent or take any action to tolled the a wA_m quesfim. Special Rude for CnnNl Card Phrdmm t you have a problem with the quality of goods or services that you purchased with a credit anL and you have tried in good faith b awned the problem with the merchant, you may not have b pay the remaining amount due on the goods or services. You have On proracton any whenr tie purchase price war more than $50 and the purduse was made in yaw home stale orwilnn 100 miles d your nogg address. (awe awn oroperale the merchant, or 7we mailed you the adver ement for the goods or sen aces, all purchases are covered regardless of the amount or location of purchase.) Paprards. Send only your papnerd and the top portion of this staeme t in to envelope provided. Do not send rash. By sending you dude as desorbed above, you autraiae us to use!nbnnabon on you dude b make an electronic tad transfer trap you account at the financial rnAikilion indicated on your duck or to process the paynrM as a died transaction. I payment is processed as an eecn* bend taster. the trader will be for tb amotmht of the dude. When we use i lamafan from your dsdk to make an rrkstionl- J transfer. funds may be withdrawn from your account as soon as the sane day we receive your payment. NO you will not receive yaudheck bade from yaw f nherhcisl isbiorn. The pronxssig d you payrtsnt may be delayed gym send ash, mrespo ndence a of er gems with your payment, t you sand the payment b arty other add ass o iyou use ah envelope other than the one provided. Payments received in proper form at our processirg facility by 5PM local tine on airy day will be credeed b yourAecort as d today. Payments received at our precew%facily adler.5PM local Ohre will be credited toyaur Aocartas of tie next day. I you have misplaced your erridom sad your payment bDisoow,.PO ace 6103, Card Stream, IL 60197.6103. Phase allow 7-10 days for defrvery. t you payment is returned unpaid, we reserve the right to resulting it as an electronic; debt You an pay minimum payment or a greater amour over the teleptone, and you an set up a tomato payments. Cog us at 1.600.347 2683. You will need tie sglerrent and your bank acooW information. You must ensue that sufficient furls we avalable ki you back aaawn, and all transactors must campy with US. law. You will be asked b wide the first 5 digits of your account stabmed ZIP code. By entering terse mrnbers as yaw ebctro is signabire, you will be agreeing to his adorfxabon to allow us and you batik to deduct each paymern you adhaae from your bank account. and to nbate debitorcredit ended b your bank aauoun, as applicable, b erred an error inthe pmcwiugdsrrh paprmi You rust leg ro to arreent bleach payment, oryou can select an amount such as the Minimum Payment Due or the New Balance an each stalanei. You can camel a pap ant, however, we must receive rata at last twee bhuiness days n advanoe d the sdedned pWot You may m * Id by phone at 1.800.3472683 arty mat at to add ass listed in tic previour paragraph. t your payments may vary in amou we will tell you an each monthly satemw wirer your payment will be nude and haw much it will be. Your Ahnandc puuymai amour may be less than ndiakd on the mociMy slalenent based on credits or payments applied during the big cycle. Credit Reporting. We may report nemrotion about your account b credit bureaus. Lae payments, missed payments, or dher def ins an your amour maybe r 'w o n your aed report. We namally report the stales and payment history of yourAccount to credit reporting agencies each moth. IF you believe No our report is inaccurate or ieco plea, please write us at the following address: Discover. PO Box 15316. YO inglon, DE 19850-5316. Please indhde your name, address, hero telephone orrsber and Account hunter. Periodic Finance Charges. Except as provided below we will i poee Periodic Finance Charges on puclMes, ash advances and balance trardI I ginning win thedae tic trasacbm ours will the date of repayment and on Old Balances u rd the dais of repaynurhL ON Balances are comprised of either puclhases and dash adrdoes made on or prior to the last day of your billing period ending during February 1993 or Reserve lire balances. You an avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the bilig statement on which the puwucuse fret appears by the Payment Due Date, and the Papneuts and Credits on that statement equal or exceed you Previous Balance. We call tie t e "Grace peiod' You do not have a grace period on balance trenst rs or ash advances. Periodic France Charges are imposed on new balance transfers and cash advances begiorig with to dale ft tiereactoin airs. Peiodic Finance Charges are imposed on ud transactions and Old Balances until the date of repayment Repayment mead payment of your entire New Balance. Nowaver. N you pay the New Balance shown on In b&V statement by to Payment Duce Deb, and the Payments and Credits shown on this statement equal or exceed tht Previous Balance, we will not impose Pedock Finance Charges on new purchases, to is, purchases fist appearing on on statement. M yaw Account was dosed a at (n) Seplsmber 27.1999; or no August 31, 2001 and was tomeny a Discover Prime Optim. Discover National Alliance for Species SuvdvaP or lfrnversai Sodas Amount, or (11) September 311, 2001 and was formerly a Discover Smdmmn Account you can avoid payment of Periodic Finite Charges I you pay the New Balance shown on this Statement by the Pefrnan Due Oae and to paymahb and Credits on his statenent equal or exceed your Previous Balance. Otherwise, you will receive a burg statement next month to included Periodic Renre Charges imposed until the date of repayment. We cwrpub Periodic Finance Charges each day for purchases, ash advances, balance YaWars and Old Balances (which we rely b as basacim abgo es) by using the fotowig equation; Average Daly Belem x number ddays inthe bung period x Daily Periodic Rile. (Refer b the finance charge summary onthe front d your s- - - for than amounts.) Then we add all the Periodic Finance Chagas for each transaction category b get the lout Periodic Finance charges fa you Account The average Daly Balance is shown as 0 t no Periodic Finance Chagas apply to the balance in a rasactim alegay. We use the Average Daily Balance (including new traadactiorhs) meted drolorlatrg the balance upon which we impose periodic Finance Charges ft cempde are average daily balance for each transaction category by adding up at the daily balances in a billing period for a trarsatlion QADM and dividing the dal by to number ddW In to billing cycle. We con hpyb 1p for each transaction category on each day by *9 adding to i oveng to the previous days daily balance: transactions; me* #W play. ees waged that dairy re a ? accrued on to previous days dally balance; and by than suboactirhg arty credits and pa ynheris that are applied against the beans dthe banseim any on that do day. Old Balances are excluded from the balance of the purchase and ash advance transauifm categories. Special We baemoe franders and Balance Tm sderTnaosadim Fee Finance Changes am nkAuded in to daily balance transfer wasactien category. Balance fninders that were subjed to an in" special rale that has been terminated de b a bate payment are also included n ft category urn to 9" special male otunwese would have expired, b calculating the daffy balance of the balance transfer kansacton ca"ory an the trst day of the big period. we Subtract to unpaid balance of terse Balance Transfer Transaction Fee Fiance Charges and balance tansies tut became "dam rate bolarm transfers on that day and we add that unpaid balance to the balance of to purchase transaction category. N fees charged to your Account are added to the purchase tansac im category, with the exception of Cash Advance Transaction Fee Finance C hargeswhich am added to the ash advance tasactah calem and Balance Transfer Transaction Fee Finance Charges which are added to to balance transfer transact on category to bamadon made in a previous big period Is benriaed on this statement. we censlda the transaction deb to be to first day of to current billing period when we calculate you Periods Finance Charges. For TDD (TWecommnmiallora Device for the Deaf) asslsbmce, peas at I-OW 47.74 9. Discover may monlter Wdlor record elepho ne calls between you and Discover reprembtlves for quality aw"anca purposes. The Discoverer cad is issued by Discover Bank, Member FDIC. OITBKO56 DISCOVER HIXSON, JOSEPH It PeY+ to Account number ending in 4075 DKOVEa _ i Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/papetiess and sign up for Paperless Statements today. 02010 Discover Bank, Member MC Aul MIGRN.0610 Mang Date: May 23, 2005 page 2 of 2 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$00-DISCOVER or visit Discovercard.com/AdditionalCards today. WMM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE t1NANCJE Bold Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases =1740.75 0.04381% 15.99% F 15.99% $22.88 $0 Cash Advances $0 0.04381% 15.99% F 15.99% $0 $0 The rotes that apply to your Account are either fixed (F) or they may vary M as rated above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683. 8458833 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $1,756.02 $40.00 Ender Amount Enclosed Below Payment Due Dab July 22, 2005 Please make check payable to Discover Card or pay online ! Discovercard.com. 23 SDSN6A01 0007609 Go paperless and make your account DR information more secure with password- HIXSO917 TNN, , JOSEPH protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discover.comlpaperless. PO BOX 71084 111111111 CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space In,Ir1?n,InJdlnhln,Lfun?l?lit II I Irnl,r1ln,lrr1111111111 above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458999668235017560200000000004000 Discover Card Account Summary Account number ending in 4075 Payment Due Date July 22, 2005 Minimum Payment Due $40.00 Credit Limit $2,300.00 Credit Available $543.00 Cash Credit Limit $1,200.00 Cash Credit Available $543.00 Closing Dale: June 23, 2005 page 1 of 1 Previous Balance $1,791.60 Payments And Credits 73.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Changes + 37.42 Now Balance n $1,7561Y2 You may be able to avoid Periodic Finance Charges, see the roverse side for details. Cashback Bonus' Opening Coshback Bonus Balance $ 0.57 New Cashback Bonus This Period + 0.00 Cashbark Bonus Balance $ 0.57 Cashback Bon us® Anniversary Month: December Keep usinngg your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once your Cashhback Bonus award is at least 20, you can redeem your award by calling us or by logging into the Account Center at Diseovercord.com. How Can We Help YOUR I Visit Di cever corn to pay yow 69 for no cosh, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cal 1-800-0ISCOVER (347-2683) for fast, easy selfservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trons. Post Payrrrots and Credits Jun 4 Jun 4 PHONE PAYMENT THANK YOU $ -73.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.06847%; corresponding ANNUAL PERCENTAGE RATE: 24.99%. Rate is subject to the terms of the offer including expiration. Fid`?WCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Baldric Rates RATES RATES CHARGES CHARGES current biding period: 31 days Purchases $1762.72 0.06847% 24.99% F 24.99% $37.42 $0 Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Cad 1-800-767-7315 today or visit Discovercard.com to find out if you qualify for a valuable Balance Transfer offer it's a fast and easy way to save money] ImpoMM hibmgtbn. Hthere Is more ban one page bb's billing statement see to back of each page for additional rrportant nbrmstion. W Sae you CardrnemberAgra rno rut Your cardmemberAgheemed ccdains at the terms of you Account rn z Lost or dole n cards. Report immediaEW Cori 1-lOF3p 256'!. a Billing Rights Suraeary. In Case of Errors or OesWmAbout You Bar: 9you Itnlk you till is wrong. or t you need more idornationn about a transaction an yaw hi, write us on a c separale sheet of paper at Discover. PO Banc 30421. Sail Lake Cy, Uf 84130-0421.88 soon as possible. We must hew tom you no toter than 60 days ate we sent you One first bar on °o which bar eror orproblem appeared. You can telephone us, but doing so will not preserve your rights. In yaw later. give us the idbwirg ihbmekan: Yaw now and Account numbs. The dollar arnow d be suspected error. Describe the error and explain. K you can, vby you believe bare is an anon. If you need more nbrmalim, describe be don you are unsure, about. You do not have to pay any amount In quaion wile we are nveskgaig, but you we star obigaled to pay the parts of your f16 Ghat are not in question. Wide we mveskjak your question. we cannot report you as dolitapent or Was any aclon to cOW the amyUnh you Weston. SpwW Rub for Cne& Cad Pacams: g you have s pobim wits the quality d goods orservices that you purchased with a credit cad and you have tied in good khib to oared the problem wits to maenad you may not have b pay be remaining anoud due on the goods or servioes. You have Ilis pralxion only when Ire purchase prix wias more Ian M and be purdi a m vas made in your hone stale orwibn 100 mks dyour mating address. (g vre awn or operate be merlon, or gwe mated you be advabenentw the goads or services, al purdresm arecove sd regr - d the amou t orballon d padhase.) Psymems. Send any yaw payment and be top palm d bus Moment in the envelope provided. Do not sad cash By ser ft your died as described above, you authorize us to use idamal on on your check b make an aliecirow lad banefer ham your account at be martial isk idiom indicabd on your dhek or lo process to paymait as a chat transaction. I payment Is processed as an ate Toni: dad I xWer, be I onsli rwi be for the Mount aline check. Wham we use rdomwbon dorm your checlk b mole an akrcYate kid brnsfer, funds may be wilIxIm rn from your account as soon as tie some day we receive you payment end you will not receive your check back horn your finandal rsflukan The processing of your payment may be delayed k you send cash, correspondence or the tens nib your payment, g you sad the payment to any other address; or i you tome an envelope other ban be one provided. Payments received in pops Norm al our processing Wily by 5PM local kme on any day will be cnedted b your Account as of got day. Poyrrents received at ourprocemgfacility agar5PMlocalli mwibealedledbyourActardasdtieredday.9you havemisplaced your envelope,send your payment bDiscover. POBox 6103. Carol Stream, d 601976101 Please allow 7-10days fordellery. 0 you payment is returned unpaid. we reserve the right b resubmit it as an d-I ahic deW You can pay ffwwmj m payment or a VeM amantaer In talephoe, and you can set up automatic payments. Cal us at 14804347-2683. You will need In sbownad and you bank amunt idannation. You must ensure that su llkarA lads are available in yaw bank account, and all tarsact ors must comply nib U.S. taw. You wa be asked b provide be ksl5dgk of your account statemnen ZIP node. By wowing Bose ranters as yaw electronic sigeakre, you war be agreeing b this aubatratim to Am us and your bank b deduct each paymem you a thane fan you baic ammA and b iv'tiab debit or txedl erries to you bank amount, as applicable, to coned an eror in be pr craft dsuch psprret You must tell us the amamt death paym K oryou an feted an ammo,- such as be kii a m Paymed Due or Ere New Balance on each stale ant. You can cancel a psymoK however we mot receive notice at least Ives business days in advance d the sdedlled payment You may, rely us by plane at 1400347-2683 a by mail at to address isbd in for previous paagraph 0 your payments may vary in amount we will lsi you on each manly stalsoent when your payment will be made and haw much it will be. You AWmaka payment amont may be less than kdiceled on the mor" sWeme t based or creak orpsymersts appied dung the birtg cycle. Credit 1Lp Will . V& may report nlorrakon abet your account to credit bureauw We paynneks, missed payments, or other detsnlfs on your scoout may be re6ecled in youra" agencies each momllb Kyoubdeve too our report is Maccumae us t 1 f ei b 6.VWA*A he following ad: Discover. PO B mr DIE 965453/6. Please address, home telephone umber and Account mimber. include Penioote Ramos Charges. Fxept as provided below we war rpm Pe oft Fiance Charges an purchases, cash advances and balance bawle8 bagkahkg wilh be dab the transaction occurs until the dale d repaymatand onOld Bow= urd be dale d rtpaymend. Old Balances are Cermpieed of ashen purchases and ash advances made on or piorlD be last day of your billing period ending during February 1993 or Reserve Line balanoes. You an avoid paymentd Periodc FiarIOE Charges onnew purcases I you pay ba New Balance Amen the Wig slalenelt onwhich the pucase *a appears by be Payment Due Date, and the Payments and Credits an fast slaismerd equal or exceed your Previous Balance. We al this the grace period' You do not have a grace peiod on balance trarsi s or cash advances. Periodic France Chagas we imposed an raw balance transfers and ash advances beginnkg worm the dale be transaction occurs, Periodic Frame Charges are imposed on all barsaekas and Old 8alaaxs -M the dale (A repayment. RepByrnen means payment of your entire New Balance However. g you pay the New Balance drown an this billing shoommi t by #a Payment Due Dab, and the Paynehls and Credits shown on this statement equal or exceed Ia Previous Bloom, we will not rpm Periodic Ramos Charges on new purchases, bet i4 purchases host appearing on Its sblonnert. N your Acwto t was dosed as d p) September 27,1999; or [) August t and was form" a Discover Pdnm Option. Msoover National Uriversal Studios, Account: or Seplember 20gt and was ment e/or Species SurvW l ? S a y th e Pa m S Discover A you an avid psymon! of Periodic Francis you pay to 1 Bal nce Charges don be P on In Statement Due yments ? and the P d until and Credits on this statement equal oroweed yaor Previous Bahmx. Otherwise, you vA race" a Wig stalemat sad month thal include Per ft France G org es abD d the date of raper" We carpule Peiodic France Charge each day for prduses, ash advances, balance baskrs and Old Balances (which we refer to as transaction calegeies) by using the llo!W g Average Daly Balance equation; period x Dally, Pwroft Rd b *am charge summary on to tiron d your stamen for tae amounts.) x number d d in ft h ti rg la Ya co db all the Periodic France es Then we ategory gel durges to your Aaanl The average Daly Bohm is shown as 0 t m Periodic Finance Changes apply to the balance in a basac6m eabegory. We use the Average Daly Balance (rdu ft new baraarJiOrw) msb0d of alatNrg the belehx upon which we impose Periodic Finance Charges. We ample the average daily balance far each transaction coIsM by ad ft up al to dally bow= in a bag period for a trareacbm calegony and dividing the trial by be number of days in 5a filing cycle. We q?x for each sasackm alegay an each day by fist adding Ice lo6DWbg to the pemw day's daily balmx: transactions mad gat day, ten charged 20 day and asrges accrued on the pema day's daily balance: and by Ian subtracting shy aedis and pryrnenya #W are appkd agarsi the bebnce d Is bwsadw cab" on that day. Old Balances are excluded bornthe balance dine purchase and ash advance tansadon abgaria8. Special rate balance barstana and Balance TrwWwTrasaclion Fee Fnanx Charges are included in the i balance ado tramseclon caegory. Balance Inside 1110tweresuloladloaninilialsimcialrars thathas been dare a tale payment are al rude cabgory mdi de h vial sprael rab odowbe would have epred. n aldiakkg deiy bdmm olbdmm transfertransactionoa%o daydate 9eYmbe k billing period, we subbed the unpaid balance of Ihxe Blare Trashy Trasacim Fee France Charges and balance tasfes bat become P rate balance bank s mtlut day and we add to unpaid balatos b the balance dbe purchase trasact on category. Al fees dnaged to your Account am added b the purchase ka mebon category with, to exception d Cash Advance Traasaclion Fee Finance Charges wtirh am added to the ash advance kansachon category and Balance Transfer Tionam km Fee France Charges which are added to be balance bash kasac tier category . g a tansadan made in a previous big period is itemised on this sbtmsnt, we consider the transaction dab b be be tool day of be enat ON period Own we calculate your Periodic Fhr" Ctages. For TDO (TaMwmmmications Device for gar deal) misUnce, pkm W 18143477449. Discover may manor mlior recd blephara cats between you and Discover represahtakves for quality, asmanoe purposes. The Discover' ad is issued by Discover Bank. Member FDIC. OITBK056 DISCOVER 23 SDSN6AOt0007610 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA New Balance Minimum Payment Due Account Number ending in 4075 $2,000.35 $85.00 Ender Amount Enclosed Below -Payment Due Date $ August 22, 2005 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $40.00. Go paperless and make your account information more secure with password- 'acted statements only you can access. 17055-5752 L?rn more at discovercomfpaperless. PO BOX 71084 Illrrrllnrnnrlrlrrllrrlnlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print charge in space Inhlrllulurlrllurlnlrlnrllllnrlrhlr.lhrllh,ln,lnloll ll above, or go to Diseover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235020003500000000008500 Discover Card Account Summary Account number ending in 4075 Payment Due Date August 22, 2005 Minimum Payment Due $85.00 Credit limit $2,300.00 Credit Available $299.00 Cash Credit Limit $1,200.00 Cash Credit Available $299.00 Closing Date: July 23, 2005 page 1 of 1 Previous Balance $1,756.02 Payments And Credits 0.00 Purchases + 204.64 Cash Advances + 0.00 Balance Transfers + 0.00 Fiwmce Charges + 39.69 New Balarice $2,000.35 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banuse + 0.41 Everywhere Else + 0.00 Opening Coshback Borus Balance $ 0.57 New Cashbock Bonus This Period Cashbock-BonusO Anniversary Cashback Bonus Balance S 0.98 Month: December How Can We Help You? 1 Visit Discewrcam to pay yew b7 for no cost, view your latest Account information, earn and redeem roue s and more It's your choice - 3 ways to help 2. Cal 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) we reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Lia6lity Guarantee Use your Discover Card with confidence- Trans. Post Dale Dab Odher/Misasllansous Jul 22 Jul 22 LATE FEE $ 39.00 Modkol Services Jul 9 Jul 9 EMPIRE VISION #078 CAMPHILL PA 165.64 Information For You Your account is past due. Please pay your minimum monthly payment plus the past due amount. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07121%; corresponding ANNUAL PERCENTAGE - -- RATE: 25.99%. Rate is subject to the terms of the offer including expiration. MR&II Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Per Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHNIIGE$ CHARGES current billing period: 30 days Purchases $1857.50 0.07121% 25.99% V 25.99% $39.69 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Impor ard 4daantion. If there's more don one page to On billing statement, see is back of each page for additional important idormabon. o See your Cordmember Agreement Your Cazdrt ember Agreement contains sit the terns of your Accmxd m z Lost or doitm cards. Report immediately! Call 1.800347.2661 > 0 Billing Rob Summary. In Case of Errors or Questions About Your BRI: 9 you link your trill is wrong, or d you need more inlio ation about a transaction on your bill, write us on a c separate street of paper at Discover, PO Box 30421, Sale Lake City, UT 841300421. as soon as possible. We must hear from you no later Nan 60 days after we sent you lie fist bit on °o which the error or problem appeared. You can telephone us, bit doing so will not preserve you rights. In you letter. give us the following inionnallion: Your name and Account number 0 The dollaramount of the suspeded error. Describe the attar and expain, nt you can, wiry you beieve there is an chat 9 you need more information, describe the item you one usurer about You do not have In pay any amazed in question wine we are imreslip0ig. but you am still obligated to pay the pads of your hi gat are not in question. While we investigate your question. we argot report you as delinquent or rake any action to Collect the amount you question. Special Rub for Credit Card Purchases: If you have a problem with the qually of goods or services that you purchased with a craft all, and you have loaf it good twh to correct the pm6lern will the merchant, you may not have to pay the renabing amaurd due ah Ore goods orserviom You have ttis prabclan only when the pudase pia was mire fiat S50 and to pure ase was made in your have state a wi0tin 100 miles dyur mating address. (I five own or operate the mordant, or ewe mailed you the advertisement for the goods or services, at pudasm are covered regardless of the amount or location of puclase.) Pairmennts. Send o* your payment and the top portion of to sleleren in the envelope provided. Do not send cash By sending yam deck as descrbed above, you authorize us to use information on your chedk to make an electronic had trander from your aooounnt at to financial is"kin, indicated an yardiedu or b process tie payment as a deck transaction. If payrrem is processed as an electronic find transfer, the transfer will be for the amount of the died. Oren we use idonminn from you deck to make an electronic had transfer, lads may be wdtdmwn from you account as soon as tie same day we receive you payment and you will not receive you deck back from you finimcial is6bion. The processing of you payment may be delayed R you said ash, rmespadena or other items with your payment. it you sad the payment to any otter address or If you use an envelope aim than the one provided. Payments received in proper form at our processing tacilty by 5PM local am on any day will be credited to your Aoooud as of dal day Payments received at ourpocessing bo*.ahw 5PM bcal time will be credted b yourAccounl as of.the nW day Ifyou have mispfam 1 you ernatope. send yo r.papnent to Diectow, PO Box 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery, l you payment is reamed unpaid, vita reserve tie right to resubmit Ras an electronic debil. You an pay minimum payment or a greater amount over the telephone, and you an set up automatic payments. Call us d 1-00347-Z6l & You wit reed to statement and you bank accent infanaion. You must ensure Nat sut6den fads we available in your tank accord, and all transactions must comply will U.S. tag. You will be riled to provide tie ist 56gils of your account statement ZIP code. By ado" those embers as you dedrork signal re. you will be agreeing to this atar®6on b slow us mod you bank to deduct each payment you auUadze Fran your bank account, and to Mine debit or cre61 entries to you bank account as Wks* so- Wan omen intie processing d such pyntart You must Id us the amount of each payment, or you an select an amount such as the Minimum Payment Due or the New Balance at each afateam You an rarcel a payment however, we must receive now at lead three business days it advance of lie scheduled payment. You may nody us by phone at 1-900347-2683 or by mail al to address isbd it the pevhas paragraph. 9 your payments may vary in amount, we will bit you on each no" statementwhen your payment will be made and how much Raiff tie. YourAubmatic paynent amount maybe less than indicated on the monthly statement based on cress or payments applied during to tolling vide. CmM Reporting U/e may repot iftmbm about you arrant b aednt bureaus. Leto payments, missed papmeMS, a ether defaults on you account maybe ra8eded n yo r ciedR report . We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe lid our report is trreecirate or incomplete, please write us at the bMowing address: Discover. PO Box 15316. wiili ingim. DE 196503316. Please include you name, address, tam blophate comber and Account number. Periodic Fine= CMerges. Except as provided below, we will impose Periodic Fiance Charges m purchases ash advances and balam frarsim beginning with the date tie transaction occurs until the date of repayment and on Old Balances until tie dote of repaynart Old Balances are comprised of eifta purchases and ash advances made on or prior to the last day of your berg period ending during February 1993 or Reserve Line balances. You can avoid payment of Pedo6c Finance Charges on new purchases d you pay lie New Balance shown at the big sidemEnt on which the purchase first appears by the Payment Due fie, and the Payments and Credits on tint statement equal or exceed your Previous Balance. We al this t e "grace perod' You do not have a gram period ern baW= transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and ash advances beginning with to dace lie transaction owns. Periodic Finance Charges are Imposed on ail transactions and Old Balances unit tie date of repayment. Repayment meal paymerd of you entire New Balance. However, nt you pay to New Balance sown on this big statement by to Payment Due Date, and tine Payments and Credits show on In statement equal or exceed tie Prerias Balance, we will nch impose Periodic Fiance Charges on new purchases, Mal is, purchases fist appearing on Nor Ademork 9 your Acceurnt was dosed as of. (i) September 27.1999: or (i) August 31, 2001 and was lonnedy, a Discover Prime Opim, Discover National Alliance for Species Strvivafr or Univeisal Sbdios Account or (lit) September 30.2001 and was imlelty a Discover Smithsonian Account, you can avoid payment of Periodic Fiance Charges if you pay the New Balance sown on ft Moment by the Payment Dire Date and the Payments and Credo on this statement equal or exceed you Previous Balance. Otherwise, you will receive a billing staknteM red month that included Periodic Fi anos Chagas imposed un i the date of repayment We compute Periodic Finance Chagas each day for purchases, ash advances, belatce transfers ad Old Balances (which we retie to as transaction categories) by using the following equation: Average Daly Balance x nrnber d days oft big period x Daily Periodic Rate. (Refer b the krona charge summary onto horn of your statement for lase amounts.) Then we add all the Periodic Fiance Charges for each transaction category to get the total Periodic Fiance charges for your Account The average Deily Balance is sown as 0 R no Peiodic Finance Charges apply b the balance in a transacion ab" We use Be Average Daly Balance (including new trasac ions) method of calculating the balance upon which we impose Periodic Fnace Charges. We compute the average daily balance fa each baaactiat category by adding up ante daffy, balances in a biting period for a transaction category and dividag lie bW by the nuribe ddays in the billing cycle. We compute lie balance for each transaction category an each day by fret adding the folowing b the previous day's dally balance: transaction merle diet day, toes charged! Bat day and Pen@?ges awned on IN previous day's daily balance: and by then subtracting any cmdo and payments tint are applied agard the balance of the transaction gory on tiel Ok Balarhms are eacWded from the balance of the purchase and rash advance transaction categories. Spacial rate balance basics and Balance Transfer TreroaLim Fee France Charges are Included in the daily balance frander transadim category Balance trarsles Nat were subjec to an iniYai spacial Hate drat has been leminaled due b a late payment are also included in the category until the initial special rate otherwise would lave expired In calculating the daily balance of the balance transfix transaction category on to fist day of the big period. we subtract lie unpaid balance of those Balance Tra sferTra sactim Fee Fiance Charges and balance transfers tie become purchase rate babatoe bansfers on that day and we add that unpaid balance b the balance of the purchase transaction category. AN fees clanged b your Account are added to the purchase Immationn category with tie exception of Cash Advance Transaction Fee Finance Charges which are added to ie ash advance Immecticir category and Balance Transfer Transaction Fee Finance Charges which are added lathe balance transferto rsaCCon category la llm sactieem trade m a previous bdfitg period is itemized on this stabmeht. we consider the tnasacim date to be the And day of the anent big period when we caudate your Periodic Finance Charges. For TDO (TeNwm i m nicalions Device for the 0*4 asskhnce, please cab 1400-347.7449. Discover may manor ardor record Ielephom cogs between you and D'wmw nepresentaives for quality assurarhee purposes. The Discover' card is issued by Discover Bank. Member FDIC. OITBK056 New Balance Minimum Payment Due DISCOVER =1,996.85 $50.00 Account Number ending in 4075 Enter Amount Enclosed Below Payment Due Dole $ September 22. 2005 Please make check payable to Discover Card or . com. pay online 0! Discoverc ar 23 SDSN6A01 0007611 Go Paps and make your account HIXSON, JOSEPH Information more secure with password- 917 THORNTON DR Protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discovercomi0wertess. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail ortekphone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235019968500000000005000 Discover Card Account Summary Closing Date: August 23, 2005 page 1 of 2 Account number ending in 4075 Previous Balance $2,000.35 Payment Due Date September 22, 2005 Payments And Credits 85.00 Minimum Payment Due $50.00 Purchases + 36.94 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $303.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 44.56 Cash Credit Available $303.00 New Balance $1,996.85 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance S 0.98 New Coshback Bonus This Period + 0.08 Cashbook Bonus Balance S 1.06 -Cesfrticck$onusO Anniversary Month: December Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular cat nos throughout the year and up to 1 % Cashk Bonus on all your other purchases. hill for st u yo How Can We Help You? 1 laVisit test Account informdon, earn and redeem = and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for lost, 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 MD (assistance for hearing impaired) see reverse side Sap Lake City, UT 84130 Transactions $O Fraud Liability Guarantee Use your Discover Cod with confidence. Trans. Post Date Date Payments and Credits Aug 14 Aug 14 PHONE PAYMENT THANK YOU $ .85.00 01her/Miscellaneous Aug 14 Aug 14 PAY BY PHONE PROCESSING FEE DBT 5.00 Travel/Entertainment Aug 21 Aug 21 MARRIOTT 337UA WATERSI TAMPA FL 31.94 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE $$ . Rate is subject to the forms of the offer including expiration. Discover Bonk Money Market and CD Account rates consistently beat national averagesl• View our rates at Discoverbank.com, or call 1-80D•347-7000 to speak with an Account Manager Open an Account today and mention code: SM0805M. Member FDIC. "Based on comparison of rates reported in a retort survey of financial institutions by BanxQuote.com_ Use your Discover(R) Card with confidence knowing that it has the identity fraud services ranked #1 by Javelin Strategy & Research. Your account is protected anytime, anywhere with $0 fraud liability guarantee and we'll call you right away if there is unusual activity on your account. To leam more, visit Discovercard.com/protedion. Important Information. If there is more than one page to On tiling sbllan," seethe tuck death "for addhonel inpartaru infarmrutiorh. Sea your Cailmember Agreement. Your caranamber Agreement contains all the lams of your Accwnt Lost or stolen cards. Report mmedablY! Cal 14"7.2683. Willing Rights Summary. In Case of Errors or Questions About Your Bill: If you it" your bl a wrong, or l you need more nbrteaim about a trentaction on your bill, wile us on a separate street d paper at Discover, PO Box 30421, Sall Lake City, UT 84130-0421. as soon as possible. % must hem km you no later than 60 days aftewe sat you the fist bill on which the error or problem appeared. You can telephone us. but doing so will not preserve your rob. le your IeW give is to following irdormatica: Your name and Account number. The dollar amour of to suspected awn. Describe the ate and explain, l you can, why you believe there is an awn. [you nerd more nfamaYan, describe to kern you are unsure about. You do not have to pay any amdnl n question W* we are investigating. but you are still abigalad to pay the parts of your dl that are not in questim. W41te we inesigate your question. we cannot report you as delehquent or take any action to collect the anoint you question. SpKW Rule for Credit Card Ptrchaas: t you have a problem with tie quality of goods or services cal you purchased with a credit card, and you have tried n good faith b correct the problem with the mendenl you my not have b pry tie ramming arrow due ontna gmda or services. You have this prdecim my when fen pudvase price alias more tlen S50 and the purchase was made in your home state orw" 100 miles of your mankhg address. (If wt own or operate the m rdwit, or Owe mailed you the adver6arhart brlhe goods or sw*es, all purchases are covered regardless of the amount or location of purchase.) Psymmb. Send orty your payment and to lop palm of this statement in the Owe" provided. Do not sand cash. By sending your check as described abort, you suit ake us to use inlonnatbn an your check to make an d Km* AM transfer from your acoant at the roar cal institution indicated on you cad or to pnocass the pairs eras a tied trasactm. If payment is processed as an elec6mic fund I ansfe. the trasier wit be for the arount of the died. When we use Mtormaim from your check to make an elsctritc A ransicY Inds may be withdrawn from your account as am as ft same day we receive your payment. and you will not receive your check bade from your fiwhoial i skOw The processing of your payment may be delayed W you said ash, oan:spordahce a other terns with your payment, t you send the payment to any oft adbaes or if you use an envelope other than the one provided. Payments received in proper form at our processing faulty by"local time on as day will be credited to your Accartas of Met day. Payment received at our processing fadily tiler SPM local lions will he credited toyourAecaxn(as of the next edit. if you have mispgol3d yoynr.envelope , taq your paymfat b Dinaver.PO.flox 6103, Carol Stream, N. 60197.6103. Phase allow 7-10 days fade M. If your payment is (slowed unpaid, we reserve the 69M to resubmt it as an loci r dabl You an pay anninnm payment or a greater amont over the telephone, and you can set up autornaic payments. Call us at 1-800.347-2683. You will need Itis sbbmert and your bank acoort whonrwtion. You must ensue that suffidert karts ore available in your bank account, and all i ansadki s 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 ambers as your elecaahic signal re, you will be agreeing to this ahAtafzalim to allow us and your bW& to deduct each payment you authorize from yourbark amou t, ad b itiale debt a vet entries to your bark ammK as applicable, b cooed an error in the proceasig daact pnyarwt You must bet us tie amount of each payment, or you an select an anon[ such as the Minimum Payment Due or to New Balance on each statement. You can canon a prflmnL however, sib mull receive notice at bag three business days n advance rite scheduled payment. You may nolly us by prone at 1.800.347-2683 or by mail at the address fisted in to prtvtors paragraph t your payments may very in amart, we will tell you on each mmt ly statement when your payment will be made and how much it will be. Your Automatic payemnt amari may be less than indicated on the monthly slalemenl based on credits or payments appled dung the brig cycle. Grit Rsportirtg. We may repro tntmrrion about your account to credit bureaus. Late payments, missed paymhats, or the defauts on your account may be retecled'n yaw credit report . We normally report the stets and pai nert history of ywAcco nt to credit mpWq agenda each nxuth. f you beleve thal our repot a khacmnw orwemoeb, please w[te us at the following address Discover, PO Bak 15316, VArninglm, DE 19650.5316. Please nckde your name, address, how telephone number and Aceout as fiber. PwW& Frrehhee Charges. Except as provided below, we will impose Periodic Finance Charges on pudrases, ash advances and balance tastes Inegistimg with the data do transaction occurs until the dab of repaymah and on Old Balances w M the dale of repaymnenl. Olt Balances are comprised of either padeses and cash adrms made on or prior to the last day of your dung period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases l you pay the New Balance drown on to billing statement on which the purchase *at appears by the Payment Due Date, and is Payments and Credits on tuhl statement equal or exceed your Previous ealanoe. Wks at fns rte'grace period" You do not have a gran period on balance baskrs or cast adranoes. Periodic F narhce Charges are imposed on new balance transfers and rash advances begaranig with the dale the transaction cars. Periodic France Changes are imposed on all traseciors and Old Balances until to date of repayment, Repayment means payment of your ahtire New Balance. However, it you pay the New Balance shown on this bilig statement by the Payment Due Dale, and the Payments and Credits show on this statement equal or exceed the Pravias Balance, we will not impose Periodic Finance Charges on new purchases, that is, pudheses first appeang on tits stalwart t your Amount was dosed as of (i) Sepanbet 27,1999, or (i) August 31, 2001 and was bmreny a Discover Pone Option, Discover National Alliance for Species Survival' or Universal Studds Account; or (6) September 30.2001 and was formerly a Discover Smithsonian Account, you can avoid payment of Peiodc Finamhoe Charges If you pay le New Balance shown on cis Statenwt by the Papemt Due Date and the Payment: and Credits on this stalwart equal or exceed your Previous Balance. Otherwise, you will receive a dig statement next month that included Periodic Frwhoe Charges (posed onM the date of repayment. We compute Periods France Charges each day for purdhases, ash advrarhces, balance transfers and Old Balances (which we refer to as Iraneactim caleg r") by using ire blowing equa8m: Average Daly Balance x number of days in iM billing period x Daily Periodic Rate. (Rater to the lihane, dvamge summary on rte hard of your statement for these amounts.) Then we add all the Periodic Finance Changes for each transaction category b get it* total Perbdc Finance dutges for your Account The average Daly Balance is dew as 0 t no Periodic Finance Charges apply to the balance in a transaction category. We use theAverage Daly Balance (inn AN new transactions) method of calculating the balance upon which we impose Periodic Finance Charges, We cone as 1 he average daily balance for each transaction category by adding up all the daily balances in a billing period for a Va saebon categoryr and dividing the total by the number ddaya le the brig cycle. We mnpute tw daily balance for each transaction category on each day by ist adding the blowing to the previous days dart' balance: hansa itim made to day, fees charged that day and "rgas accrued on is previous days daily balance; and by Inn subtracting any credits and payments that are appied against the balance of the trasaclon Old Balances are excluded kin the balance of the prdese and ash advance bansadim categories. Special rate balance transfers and Balance TraskrTiasacim Fee France Charges we included in to daily balance transfer trarsadion category. Balance trailers that woe subject to an intuit special rate that has been terminated An to a We payment are also kkxled in the category until the initial special rate otherwise would have expired. In cdmA*g the daily balance of the balance transfer trai saebon calegoy on the first der of the bung period, we subtract the unpaid balance of those Balance Transfer Trasacim Fee Frwnce Granges and balance transfers that become purchase male balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category. AN lees charged to your Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Frwnce Charges which are added to the cash advance transaction category and Balance TramferTaansactim Fee Finance Charges wNCh ore added b the balanhoe traosler tansactlon category t a trensacllon made in a previous bring period is dammed an tits statement we consider the transaction date to be the first der of the amend bling period when we alatate your Periodic Finance Changes. For TOD (Telecommnkalions Device for the Dasry assistance, please call 14MUT.7449. Discover may monibr ardor record klephiu cals between you and Discover repesenteives far quality assurance purposes. The Discover' card is issued by Discover Bank. Member FDIC. O1TBK056 DISCO AVER M Pays to HIXSON, JOSEPH DISCOVER Account number ending in 4075 Go green. Go paperless. Join the effort to save frees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up For Paperless Statements today. ®2010 Daxo Bank, N+ Im FDIC PPKAN.0810 Closing Date: August 23, 2005 page 2 of 2 Paying your Discover(R) Cord bill online at Discovercord.com is the Fastest, most convenient way to make your monthly payment. All you need is your checkbook - enter your banking information once during sign-up and you'll never have to enter it again. Visit the Account Center at Discovercard.com anal you can begin making payments right away. - Wondering what to give for all of those gift-giving occasions like weddings, birthdays, baby showers, back to school or just a thank you? Now, send a Discover(R) Gift Card with No Shipping Fee - the perfect gift for any occasion. Use them where Discover(R) Network Cards are accepted. Visit www.discovergih=d.com to order one today. Discover Financial Services is once again proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Help us raise even more money to fund research for a cure by participating in the Walk or donating yarn Cashback Bonus(R) to JDRF A cure is within reach. To learn more, visit Discovercard.com or www.idrf.org. Use your Card and get Cashbock Bonus(R) on your purchases. Cashback Bonus is the only cash rewards program that lets you double the value of your rewards when you redeem For gift cards or certificates from many of our 40 brand name partners- OMBRI3 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE RNANCE FNANCE Balances Rates RATES RATES CHARGES CHARM current billing period: 31 days Purchases $1999.26 0.07189% 26.24% V 26.24% $44.56 $0 Cash Advances $0 0.07189% 26.24% V 26.24% $O $0 The rates that apply to your Account are either fixed (F) or they may wry M as noted above. QUeStiOnS? Manage your account at Dscoverxwn or call 1-800-DISCOVER {1.800-347-2683). 8458833 New Balance Minimum Payment Due DISCOVER $2,280.26 $107.00 23 SDSN6A01 0007612 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Payment Due Date October 22, 2005 Account Number ending in 4075 End Amount Enclosed Below Please make check payable to Discover Cad. Minimum payment due includes a past due amount of $50.00. Go paperless and make your account information more segue with password ed statements orgy you can aocess. Learn more at discovercom/paperless. PO BOX 71084 11I"'I11111118I111111 1 'I' CHARLOTTE NC 28272-1084 Address, a-mail or telephone charge? Print change in space IuIIIInIIf gill 1u11n111u11Hill II toll InIIuI I IIn1,lsell above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999666235022802600000000010700 Discover Card Account Summary Account number ending in 4075 Payment Due Date October 22, 2005 Minimum Payment Due $107.00 Credit Limit $2,300.00 Credit Available $19.00 Cash Credit Limit $1,200.00 Cosh Credit Available $19.00 Closing Date: September 23, 2005 page 1 of 1 Previous Balance $1.996.85 Payments And Credits 0.00 Purchases + 236.98 Cash Advances + 0.00 Balance Transfers + 0.00 Finance d?a es + 46.43 New Balance $2,280.26 You may be able to avoid Periodic Finance Charges, we the reverse side for "ails. Cashback BonuSe Opening Coshbock Bonus Balance $ 1.06 New Cashbock Bonus This Period Cashback Bonus Bdonce $ 1.55 Cashback BonusS Anniversary Month: December How Can We Help You? I Visit Dissever com to pay your bill for no test, "eve your latest Account information, earn and redeern rewards and more It's your choice - 3 ways to help Please have your Discover Card available. For MD (assistance for hearing impaired) sea reverse side 2. Coll 1-800-DISCOVER (347.2683) for lost, easy selfiservice options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Sall Lake City, UT 84130 Transactions $0 Fraud Liabteity Guarantee Use your Discover Card with confidence. Tr Dais ans. PDe s Odrsr/Miscellanews Sep 22 Sep 22 LATE FEE $ 39.00 Medical services Sep 17 Sep 17 EMPIRE VISION 11078 CAMPHILL PA 197.98 Information For You Your account is past due. Please pay your minimum monthly payment plus the past due amount Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07258%; corresponding ANNUAL PERCENTAGE RATE: 26.49%. Rate is subject to the terms of the offer including expiration. ni`?lmmw Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FIN WCE dances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2063.54 0.07258% 26.49% V 26.49% $46.43 $0 Cash Advances $0 0.07258% 26.49% V 26.49% $0 $0 The rates that apply to your Account am either fixed (F) or they may vary M as noted above. inportart nfonnatim If there is more than outer page b this bang stalemenl see the back of each page for additional important idaroahm. o Sea your Cardrron ber AgraNnaM. Your Ca dinernberAgreensnt centers al the terms or ymer Account Lost or sbMn arch. Report nnodaeyt Cal 14WMT,2613. on on MM Rhghh Summary. In Case of Emas or Uues4de Mal Your Bit: t you think your bill is wrong, or iyou need mare itarnatim abort a transaction on yaw bit, write us on a -' 8 separab sMM of paper at Di oom, PO Box 36421, Salt Labe (Sly, Uf 841300121, as soon as possible. We must hem from you no later than 60 days after we sent you the first bill an which the army or problem appeared. You can telephone us. but doing so will riot preserve your rights. In your later, give us the ftlowtrhg sdormation: Your name and Accent amber. The dollar amen of the suspected error. Describe to erns and explain. N you can. vdy you believe time is an error. K you need mare Womxrtim, describe the Ilan you are unsure about You do not have to pay any arrant in question while we are investigating, but you are 80 obligated to pay the parts of yaw bit to are not in question. White we investigate your question. we amen report you as delinquent or take any acim b collect the amcud you question. Spacial Rule for Credit Card Prrchues: W you haves pablern with the quality of goods a services that you purchased wth a credit card, and you have tried in good farm b coned the problem with the merchant you may not have b pay to rananig am" due an the goods or services. You have tits protection only when the purchase pica art mope then $50 and is purchase xrds made n yaw from state or w" 100 miss olyour rnaiig address. (If we own or opera) s the nsrdont or live mated you the adhetticerrad forte goods or senesces, all purchases are covered regsudless olto annum! or location of peadhase.) Payments. Send only your payment and the hop portion of lit slWahhed in the envelope provided. Do not said ash By sending your check as described above, you auleorime us to use idamatm on your check b male an elecYaic fud tamer from your account M the irmicial'ns0kNm vidhcaed an your dock or b process to payment as a dart trasedier. N payment is processed as an electronic fund Ina Re trars1, will be for lie smut of the dock. When we use idorinatm boon your check to make an dectmic fund tasMr, funds may be wrilxkm from your accent as soon as the same day we receive yw payment and you will not receive your dhed bade from yar firnenxiel khetibMm The pun" of your payment may be delayed Nyou sad ash, correspondence or other items with your payment N you send the payment to any olor address orl you use an envelope other than to am provided. Payrrorhls received in proper form at our proeessng facility by 5PM local fine on air day wit be credited to your Accaat as of that day. Paynhens received dart processing facility alter 5PM local tnhe wit be aedted to your Account as of the next day. If you have maspaoed yarenvelope, sad your peymertto Discover, PO Box 6103, Card Stream, It 60197-6103. Please allow 7-10 days for delivery, If your payment is returned unpaid, we reserve to right to resubmit it as an electronic debt You an pay mknmrn payment or a gnaterahnaurt as the eepfhao, and you an sit up automatic payments. Cal us at 1-800.347-2683. You wl need In stetamat and you bank account khfor atim. You mast ensue tut sulficiat funds, are available in your bank account and all transactors must aahhply with U.S, law. You will be asked to provide the fast 5 dtigis of your account statenhent 21P coda. By entering those , - - - as you electronic signebre, you will be agreeing to this authorization to allow us and your bank to deduct each payment you atrho m km you bank socant and to initiate debt or ohedit entries to your bank account, as applicable, to coned an am in the processing of such payrrheht You runt tell us the amount of each payrnert, or you an select an amount such as the Mk*mn Paynhent Due or the New Balance on each stalmat You an dead a payment, however we mast receive notice at least tree b meas days in advance of the sdhedbd payvaat You may notify in by phone at 1-000.347.2683 or by real at to address bled in the pwAm paragraph. N your pWwb may vary in aaxnl, we wit fell you on each nwmft state rent when your payment will be made and how mudh it wil be. You Adanatic papner t amount may be loss #m indicaed on the mhontty staertont based on dxedes or payments applied during the tiling cyder Credt Ropohing. We mhey repot uhbm bon shat yaracc at b aedt bureaus. Lae paymords, nhissW payments, a oUwdek ft onyour acomM may be r defied n your creel report, We normally report the stake and pymeml history dywAccount to aedt repoifi it ageayes each mnmh. t you bet -& that our report is roonrabor I -;k ice. pime wile us at the folowing address: Discover. PO Box 15318, Mnnghan, DE 19850-5316. Please include your name, address, hams telepla w camber and Account number. Periodic Firu ms Charges Except as provided below. we wl wpm Periudio Fnahoe Charges on pxchmses, ash advances and beknce tarsim beginning wth to date the transaction occur until to date of repapyie Land an Old Bdmm until the dab of repayment. Old Balances am canrhprised of ether purchases and ash advahas made on or prior to the last day of you billing period ending during Febmay 1993 or Reserve Lime balances. You can avoid payment of Periodic Finance Charges on new purchases I you pay to New Bakrnce shave on to bli g sfalerhed on which the pudnase ksl appears by to P*nyrtont Due Date, and the Payments and Craft on that stekerim equal or exceed you Previous Balance. We will this the Vace period' You do not have a grace period on balance kasfers or ash advances. Periodic Finance Charges a ms unposed on new balance transfers and cash advances beginning with to dab the transaction occurs. Periodic Finance Charges are unposed an at transactors and Old Balances utk the date of repywnt. Repaymad rmem pnwwd of your ahfie New Balance. However. N you pay the New Balance shown an tits biting statement by to Payment Due Date, and the Payments and Credts gown an this statement equal or exceed the Previous Bakncm, we will not Wpm Periodic Finance, Charges on row puRlases, to is, purchases fist appealing on tits staternert N ywAcoaurn was dosed as of (i) Sepersber 27,1999: or ('i) August 31, 2001 and was fxmaly a Discover Prune Optm, Discover National Alliance for Species Survival' or Universal Sir Accent: or (Nit) September 30, 2001 ad was fanhely a Discover SniJww Account you an avoid paymahld Periodic Fxwm Charges Nyou pay Re New Balance shown an dins Smernent by the Payment Due Dale and to Payments and Creels an this staharhea equal or exceed yaw Previous Balance . Ottawise, you will receive a blkg stal merit next month the included Periodic Finance Charges imposed and the date of repayment. We corrrpule Periodic Finance Charges each day for purchases, ash advahoes, balance transfers and Old Balances (Mitch we refer to as transaction categories) by using the follomg equation; Average Daly Balahoe x rnrnber of days in the billing period x Daly Periodic Rate. (Refer b the finance charge su a nnay on the font of your statement for them armahs.) Then we add al the Periodic Finance Chagas fr each trasacfm category to get the blot Periodic Finance charges for your Account. The average Daffy Balance is showm as 0 N no Periodic Finance Chages apply b to balance in a traasacim allegory. We use is Average Daly Balance (khdkding new barsadas) rrhebnd of catenating the balance upon which we impact Periodic France Charges, We comfwb the average daffy balance for each transaction category by adding up alto daffy balaaxs in a bifng period for a karmcbm category and dvidM to btd by to number of days in The bang cycle. We eonpu a for r each tansackm aegay an each day by first adding the folowkg b to previous We daily balance: tmnsacbas made that day, fors charged that day A and P rages accrued on the previous days duty balance; and by then suberactrhg any ere is and payments tot are applied against the balance of the transactor category on 11W day. Old Blames are excluded from /s balance of the puclhase and cash advance transaction categories. Special rate balance bourses and Balance TrarserTraRactim Fee Finance Charges are included in the daffy batahce transfer trasacbon category. Balance transfers chat were st4W to an initial special rate that has been Wrininated due b a tae peynont are also included in the callegoy unit the uhdiai special rate otherwise would have expired. In akrrtetng to daffy balance of the balance transfer traseclon category an to fiat day of the billing period. we suhtrad the unpaid balance of those Bdmm TranshrTrasaclm Fee Finance Charges and balance fasfas that becerrne purchase rate balance (asks on that day and we add that unpaid balame to the balance of the prdaase transaction category. All fees charged to WAcmut are added b the purchase fasaNon category with the exception of Cash Advance Transaction Fee France Charges which are added to the ash advance rasaction category and Balance Transfer TransacTim Fee Finance Charges m6cn are added to the balance trarser trarma ion category. If a transaction made in a previous brag period is Nem¢ed ond is slatemant we conndder the i- -'r dab to be the first day of the current bilrhg period whenwe calculate your Periodic Finance, Charges. For TDD (Uhicaruranications Dw4m for the Dm4 assislarw, pore call 1-00.34T•7449. Discover may monitor andfa record telephone cab between you ant Discover representatives for quality assurance, punpses. The Discover card is issued by Discover Back, Mernber FDIC. OITBK056 New Balance . Minimum Payment Due! Account Number ending in 4075 C DISCOVER $2,232.75 $56.00 ! Enter Amount Enclosed Below Payment Due Date $ November 22, 2005 Please make check payable to Discover Card or pay online 0 Discovercard.oom. 23 SDSN6A01 0007613 Go papa and make 1ox account HIXSON, JOSEPH information more secure with patrasword- 917 THORNTON DR protected staternents orgy you can access. MECHANICSBURG PA 17055-5752 Learn more at discover..cornfpapertess. 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 Illreell"errlsleell"I'I'I CHARLOTTE NC 28272-1084 Irelrllrrlrretrllrrrlerlrlrrrllllr,rlrrlerlrrllrelrrlrrlelrrll 000001986458999668235022327500000000005600 Discover Card Account Summary Account number ending in 4075 Payment Due Date November 22, 2005 Minimum Payment Due $56.00 Credit limit $2,300.00 Credit Available $67.00 Cash Credit Limit $1,200.00 Cash Credit Available $67.00 Closing Date: Odobw 23, 2005 page 1 of 2 Previous Balance $2,280.26 Payments And Credits 107.00 Purchases + 10.00 Cash Advances + 0.00 Balance Transfers + 0.00 Firarrce drorges + 49.49 New Balance $2,232.75 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Boma Balance $ 1.55 New CWAxx: c Bonus This Period + 0.00 Cashbodc Bonus Balance $ 1.55 -Cash ack Bonus® Anniversary Month: December Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Coshbock Bonus on Get More purchases in popular categones hb k ac throughout the year and up to I% Cas Bonus on all your other purchases. .? How Can We Help You? 1 Visit Discoveacasn to pay your 62 for ne cost, view west Account information, earn and redeem rewardim'rand more It's your choice - 3 ways to help 2. Call 1-80 DISCOVER (347-2683) for fast, easy self-service M S A ccount anager ervice options or to speak with a Customer 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. P T Dab Dat Payenenh and Credits Oct 8 Oct 8 PHONE PAYMENT THANK YOU $ 107.00 Other/Miscellaneous Oct 8 Oct 8 PAY BY PHONE PROCESSING FEE DBT 10.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07326%; corresponding ANNUAL PERCENTAGE RATE: 26.74%. Rate is subject to the terms of the offer including expiration. 8458833 Important Irdormaton. It tare is more Dun one page to this billing statement. see the back of each page for additional important nbrmation. Sae your CardmemberAWeamea Your Candmember Agreement contains all the terns dyour Amount. Lost orsblen cards. Report inmedatelyl Call 1•!00-347-2663. BOV Rights Sunenary. In Case of Enos or Question About Your BR: If you ft* your bill is wrong, or t you need more intamaaUar about a trarhsaclaw on your bit write us on a separate sheet of paper at Discover. PO Box 30421. Salt Lake City. UT 641300021. as soon as possible. We must hear f mm you no W1er than 60 days alter we sat you to W bd on which the error or problem appeared. You an telephone ins. but doing so will not preserve you rights. In your ktler• give us the following idamalion: Your name and Accost number. The dollar amount of the suspected anon. Describe the error and explain. 0 you can. why you believe there is an amo. If you need more kdormation, describe the Yen you are where about. You do rat have to pay any amount in ghesticrh while we are i vesYgatirg but you are still dAgalad to pay the parts of your bill that are not n question. While we investigate you question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchase: 0 you have a problem with the quality of goods or services that you purchased wah a aedk card, and you have liked xx good faith to correct the problem with the merchant. you may not have to pay Be remaining amazed de an the goods or serviam You have thw probctah only witen to pudvase price ere more than $50 and to puc arse was mate in your home slate or wdwr 100 miles of your mating address. (0 we awn or opnrale the merchant or Y wen hatad you the advertisement forthe goods or services, all purchases are covered regamdess of the amore or location of pnrdase.) Paymeris. Send only your payment and the fop portion of this statement in the envelope provided. Do not and cash. By sending your died as described abom you aulha¢e us to use inks ratan on you check to make an electronic fad trawler from your account at tle 6nahdal i sl Maio h ihdcaled on you check or to process the payment as a deed bansaeWn. 0 payment is processed as an elecbomc fund trarskw, the raider will be for to anaut of to check. When we use irhfomhaforv from your check to make an elaclmnc find van rlim hails may be withdrawn Iran your account as soon as the sane day we receive you payment, and you will rat receive you died bads from you linanaal i slifwi The processing of your paym ern maybe delayed iyou send cash, correspondence or other idns with you paymad. I you send the pwpot to any other access a t you use an envelope other than the one provided. Paynherts received in proper fork at our processing faddy by 5PM local Wine on any day will be cradled to your AcwW as drat day. Payments received at our processing faiky after 5PM foal lime will be credited to yaw Account as of to next day. If you have misplaced you envelope, sad your parod b Di6mm, PO Box 6103. Card Steam, L 60197-6103. Please allow 7-10 days far delivery. 0 your payment is retiumed unpaid. we reserve the right to resubmit it as an electronic ddA You can pay minimum payment or a greater amount over the telephone, and you an set up aullorrafc payments. Cat us at 1.600.347-2663. You will need cis statamte 'and your bank acoamt nfomation. You must ensure that sufficient lends are available in your bats account and all transactions, must comply wth U.S. law. You will be asked It provide the *95 digits of your account statement ZIP code. By entering those numbers as your electronic sighauae, you will be agreeing to cis atharvali i n to slow us and your bank to dedud each payrrnent you atAhxnze Gem you bank amoutw, and to initiate debt or a" entries b your balk accent as applob e, to carted an error in the processing of such payrnat. You must tell us the amurhb of each payment, or you an select an amount such as the Mnamm Payment Due or le New Balance on each statement. You can atheel a payment howe+ra, we cowl receive notice at least tree b utness days in advance of the scheduled payment. You may notify us by phone at 1400-347-2683 or by mail at the address fisted in the previous paragraph. 0 your paw may vary in amour, we will k1 you on each monthly statement when your paynke t will be made and how much it will be. YauAhMrnalic papned amour may be kiss twin indicated on the monthly staleme t based on credits, or payments applied during the Wig cycle. Credit Reporting. We may report i formation about your account b credit bureaus. Late payments, missed payments, or other dek& an your amount may be reflected in yon credit report. We normally, report the stags and payment he" of your Account b credit mportleg agendas each month. t you believe that our report a iramrele or incomplete, plese write us at the Mowing address: D6mver. PO Box 15316. Wkningbon, DE 19850-5316. Please include your name, address, two telephone number and Accost member. Pet France Charye. Except as provided below, we will impose Periods Finance Charges an purchases. ash advances and balance tramskrs begieing vin to date the hahsadion o=rs uhW the data of repayment and an Old Balances until the date of repaymet Old Balances are comprised of either purchases and cash advances made an or prior to the last day of your bang period ending doing February 1993 or Reserve Line baiarkces. You can avoid payment of Periodic Fiance Charges on maw purchases t you pay the New Balance shown on the billing srelenert on which the purchase first appears by to Payment Due Date, and the Payments and Credits on tsu staement equal or exceed you Previous Baleha. We ail this the'grace period" You do not have a grace period on balance trawlers or cash advances. Periodic Finance Charges are imposed on now balance transfers and ash advances beginning with the date the trawactm cocas. Periodic Finance Charges are imposed on all tmawaclionw and Old Balances onW the date of repayment. Repayment mans paymerd of your mire Now Balance. However, t you pay the New Balance shown on to billing statement by the Payment Due Date. and the Payments and Credi s shorn m to statement equal or exceed the Pmvios Balance, we wi not impose Periodic Finance Chagas on new purchases, that is, purchases felt appearing on this statement If your Account was closed as d: n Seplenber 27.1999; or (t) August 31.2001 and was fonrefty a Discover Prime Option, Disover NationalMance for Species Sur" or Universal SludiosAccwK or (il) September 30.20D1 and was formerly a Discover Smithsonian Acmud, you an avoid payment of Periodic Fnarce Charges i you pay the New Balance shown an cis SWtemert by the Payment Dua Date and the Payments and Credis an this statement equal or exoed you Previous Balance. Otherwise, you will receive a bWtng statement red month that included Periods Fiance Chagas Imposed until the date of repayment. We mmpde Pero France Charges each day for pacheses. ash advances, balance trarnsfas and Old Balances (which we refer to as UansKbon ant gores) by ustng the bhbwkg equation; Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (Reiff to the Wince serge summary on the Iron d you statemertlor these amhouds.) Then we add all the Periodic Fnahce Charges for each transaction category to get the MW Periodic Finance charges for you Amount The average Daly Balance is shave as 0 9 no Periodic Few= Ganges apply to the balance n a transaction alegay. We use the Average Daly Balance (nduding new Iransactiaw) method of calculating the balance upon which we impose Periodic Finance Charges. We compute I he average daty balance for each transaction category by addrg up all the daily balances in a bilking period for a transaction category and dvidng the total by the member of days in the bang cycle. We compute the daily banana for each tra saclm category on each day by fast adding the fotow8hg to the preview day's daily balance: transaclons made tal drA fees charged that day and Pert es accrued on the previous days daily balance; and by than subtracting any oedtfs and payments that are applied against the balance dte Iransacm akgay Ole! Balances are excluded tram to belabor d t he purchase and ash advance Warwadim cabgw*L Special rate balancetraders and Balance TrasleTrasadiorh Fee Finance Charges are included in tre daiy balance transfer tra saceorn category. Balance barslers that were sub)ed b an initial special rate tat has berm terrninaled de ba hark payment are also ncuded in the category u tl the local special role otherwise would have expaed n calculating the dally balance of to balance transfer hasactm category an the Trot day of the billing period, we s bi act the unpaid balance of ease Balance Transfer Tra saa m Fee France Charges ad balance transfers that became purchase rate balance traders on that day and we add to unpaid balance to the balance of the purchase trasactm calegay. Al tees daged b your Amour ore added b the pumiwse kmmcbm abgoryr wilhtm excepbDn d Cash Advarxe Trarsac6m Fee fwwm Chagas vdth amen added b the ash advance transaction category and Balance Transfer Trasactim Fee Finance Charges which are added b the balance bawler transaction category . It a Ir rmctfn made in a previous billing period B dammed on tits statenenc we cahsbda the trmsadon dale to be the fast day of the aired bffing period when we calculate your periodic Finance Charges. ForTDD (relecanrmunicatanu Device for the Deal) aselsWhce, Please call 14[00.347-7449. Discovermay mo iar ardlar record telephone arts between you and Discover representatives for quality assurance Purposes. The Discover' card is issued by Discover Bank, hternber FDIC. OITBKO56 DISCOVER k Pori to HIXSON, JOSEPH DISC@VER: Account number ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC O? a PPRGRN.0810 Closing Date: October 23, 2005 page 2 of 2 RAMWICharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FgrANCE FRANCE B es Rates RATES RATES CHARM CHARGES current billing period: 30 days Purchases $2252.61 0.07326% 26.74% V 26.74% $49.49 $0 Cash Advances $0 0.07326% 26.74% V 26.74% $0 $0 The rates that apply to your Account are either fixed IF) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). 8458833 New Balance VER Minimum Payment Due Account Number ending in 4075 d B l $2,226.76 DISCO $56.00 e ow Enter Amount Enclose Payment Due Dare -- $ Decanber 22, 2005 Please make check payable to Discover Card or pay online 0 Discovercard.com. 23 SDSNGA01 0007614 Go paperless and make your accourd HIXSON, JOSEPH information more secure with posaward- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 earn more at discovercomlpaperless. PO BOX 7 1 084 Illrrrll"rr.lslrrllrrl.lr) CHARLOTTE NC 28272-1084 Address, e-maii or telephone change? Print change in space lolnllrrlnrrlnlh?rlr?lnlnrrllllnnrlrnlnrlrrllnlnlrrlnlnrll above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458999668235022267600057000005600 Discover Card Account Summary Account number ending in 4075 Payment Due Date December 22, 2005 Minimum Payment Due $56.00 Credit Limit $2,300.00 Credit Available $73.00 Cash Credit Limit $1,200.00 Cash Credit Available $73.00 Closing Daft: November 23, 2005 page 1 of 1 Previous Balance $2,232.75 Payments And Credits 57.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finonw Cbarg.s + 51.01 _ New Balance _ $2,226.76 - You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbixk & muse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance S 1.55 Cashback Bonus® Anniversary Month: December Coshbock Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bows on Get More purchases in popular ca?e??nes k throughout the year and up to 1 % Cashboo Bonus on all your other purchases. Help You? How Can We He 1 Visit Diseewr.cem to pay year bill for no cost , "new kited Account information, earn and redeem rev=aand more It's your choice - 3 ways to help 2. Call 1-800DISCOVER (347-2683) for rant, easy sellLservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. P T Dais Dab Payments and Credits Nov 18 Nov 18 PAYMENT THANK YOU $ -57.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terns of the offer including expiration. MAWR4 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FMMACE FINANCE Baldness Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $224640 0.07326% 26.74% V 26.74% $51.01 $0 Cash Advances $0 0.07326% 26.74% V 26.74% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (1n as noted above. Important I dommoon. N there is more than one page to this billing statement, see the back of each page br additional important Woonabon. Sae your CardmemberAgreement. You Cardmermber Agreement contains all the tams of Your Account. Lod or sbfen cards. Report nxn yl Cal 1400-W-2611. Billing Rights Summitry. In Case of Emom or Questions About Your Bill: If you ft* your bill is womg, o r# you need more rdmatiah about a barsacben on your bill, write us on a separate sheet of paper at Discover, PO Bit 30421. Sal Lake Cty, UT 84130.0421, as soon as possible. ft must haw from you m later Oran 60 days after we seat you the first bill on which the error or problem appeared. You can telephone us. but doing so will not preserve your aft. In your letter, give us to following nformabon: Your name and Award comber. The dollar amount of to suspected Boor. Describe the error and explain. 0 you an, why you believe tare is an error. N you need more iniommiim, dewDe the item you are unsure about You do not have b pay any amount in quesim while we are investigating, tart you are still obfgated b pay the pads of you bill tat are not in question. While we investigate your queslan. we carrot report you as delinquent or We any action to collect the ana d you question. Spscid Rub for Credit Card Pucha es: 9you have a problem with the quaity d goods or services that you purchased with a credit card, and you have tried in good forth b correct the problem with the merchant. you may not have to pay the rimming amoum due on the goods or services. You have this protection only when the purchase price was more than $50 and Ore pugase was made in you home stateorwillon 100 miles of your mailing address (N we ovn oroperate tie merdrat, or two mailed you the advertisement for the goods or services, al purchases are covered regardless of the amour or location d pumdhase.) Payments. Send only your payment and tie by portion of this staterneM in the envelope pnr4ded. Do not sad raA By sending your deck as described above, you au0name us to use information on your died to make an electronic kind WW w kin you account at to financial nsilllim indicated on your deck or to process to pa7rot as a dick transaction. N parrot is processed as an electronic lad Wander, the transfer will be for to amount of the check Wien we use idonraion from your deck to crake an electronic kid tarsier, kinds may be withdraw from your account as soon as to same day we receive you payment, and you will not receive your deck bad Irom your firarial ksduion. The processing of your payment may be delayed !you send ash, correspondence or other items; with your payn ent l you said the payment to any other address or if you use an envelope other tree the one provided. Payments received in proper form at our processing fatty by 5PM krsl lime on any day will be credited to yourAccoud as of lhatday. Payments received at err prxessi g facky.aller 5PM local time writ be credited to you[ Acoatd_as of the red day. lyar have misplaced your envelope, send your payn d to Oiscovw, PO Box 6103, Carol Stream. IL 60197-6103. Please allow 7-10 days for delivery. N your payment is mbT*d ur4W, we reserve to right b rewbnel k as an e6cmk debt. You an pay minnsm payment or a greater amount over the telephone, and you can set up automatic payments. Cal us at 14100347-2683. You wit need this staemnad and your bade account inbrnabon. You mud ensure that suFioient funds are available in your bar* account and all Warsamons; mud comply with US. law. You will be asked b provide to first 5 digits of your acowit satemat ZIP code. B7 enuring those msnbers as your electronic signature, you will be agraeig to this ahAhaizaOon b Am us and you bar! b deduct each payment you autcrize Iran your bark account, arid to irdl ate debt a uedl entries to you bark accout, as applicable, b coned womb ft processing of such payment. You mint tell us One amaat d each payrnert, oryou can seded an amount uxh as the W mun ParmA Due a the New Balahoa oneach statanr 1 You can cancel a payment, however, w o met receive notice at last tree business days in auf ww of the scheduled payment. You may no* us by phone at 1.800347-2683 or by mail at the address kW in le previous peragaph. N your psynanta may very in arhoml we will td you on each monthly statement when your payment will be made and how much it ad be. Your Automatic payment most nay be less than ndcated on Oe no" statement based on credits or payments applied during die billing cycle. Credit Rapor ft We may report infarnalim about yourasaut to credit bureaus. Lae payments, W, payments, or other ddars on your award maybe reacted in yo r credit report. We normally report to states and parrot history dyer Acmnt to credit reporting agendas each month. lyou believe that our report a inaoaraie err mmrnplele, Oesse wife us at the following address Discover, PO Box 15316, Wilmington. DE 19650.5316. Please include your name, address. home hdephone number and Account cumber. Periodic Finance Charges. Except as provided below. we will impose Periodic Finance Charges on purchases, cash advances and balance Wasters beginning wM the date the transaction occurs until to date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and ash advaeas made on or prior to to last day of your bring period ending Bring Februarys 1993 or Reserve line balances. You an avoid payment of Periodic Finance Charges on new ptnieses if you pay the New Balance shorn on the big satenoil m which to purchase first appears by tle Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. Weal the the Vace period' You do not have a grace period on balance broadens or cash advances. Periodic Finance Charges are imposed on new balance transfers and ash advances begi nng vdlh to date the transaction occurs. Periodic Finance Charges are imposed on all Wansadiors and Old Balances until the date of repaym k Repsyme d masm payrnerd of your entire New Reliance. Now evar, O you pay the New Balance sham on this bring statement by the Payment Due Date, and the Payments and Credits sawn on In statement equal of exceed Ow Previous Balance, we will not Impose Periodic Finance Charges m new, purchases, that is. purchases first appearing on In, a, tr 1 lyourAecout was dosed as of (i) Supiernber 27,1999; or(i) August 31, 2001 and was formerly a Discover Prime Option. Discover National Alia ce for Species SuvivaF or Uwersal Sbdios Aaourd; or (r) September 30.2001 and was im edy a Dscover Srhshsomah Aremrm, you can avoid payment of Periodic Fiance Charges if you pay to flew Belaw:e shown on On Stalenherd by the Payment Due Date and to Payments and Credits on this sfatem m equal or exceed you Previous Balance. Otherwise, you will receive a billing statement red month that included Periodic France Charges imposed until tle date of repayment. We corpule Periodic Finance Charges each day for purchases, ash advances, balance Wrislers and Old Balances (which via refer to as Irenaactioon categories) by using the blowing equation, Avenge Daly Balance x number d days in the biting period x Daily Periodic Rate. (Relay to the inace dirge suanay on the kid of you statement for these am=".) Then we add at the Periodic Finance Chagas for each transaction category to get the total Periodic Finance doges for your Ateonrd The average Daly Balance is dew as 0 N no Periodic Fiance Charges apply to the baia ce n a hansadiah category. We use tle Avenge Daily Balance (Including view transadions) mated of calculating the balance upon which we impose Periodic Finance Charges. Vie ownpnb to average deity balance for each tranaac0on category by adding up all the dally balances in a big period for a Warsac9on category and dividkg fe btad by to number of days in the big cycle. we canpPnr? pig ?j! for each basacton category on each 64 by *9 adding tle folowng b to previous day's daily balance: transactions made tat day, tees charged that day and rehOwF accrued on the previous days daily balance; and by than subtracting any weds and payments to are applied against to balance of On basacton category on that day. Old Balanoes are ezckded Wan the balance d the purchase and ash advance transaction allegories. Special ate l,etanhoe Wasters and Balance Transfer Tansy lien Fee Finarm Chagas are iduded in to dally balance trausler transaction abgory. Brace bansfars that were skbpel No an r" special rate that has been terminated duo to a We papnad are also Inducted in the category urd the i" special rate *wwae would have expred. In cdadetng the daily balance of the balance baker transaction category on to bust day of be billing period, we stbWact to unpaid balance of those Balance Transfer TrasacWm Fee Finance Charges and balarhce bursters that become purchase ate balance tra sfam on that by and we add that unpaid balance to the balance of Ire purchase transaction category. AN fees charged to your Accout are added to the purchase transaction category with to exception of Cash Advance Trasafon Fee Finance Charges which are added to the cash advance transaction category and Balace TrahserTransedion Fee Finance Chagas which are added b the balance transfer Yarsardon category. Is ransacim made in a previous big period a itemized on the statement we consider the transaction date to be to first day of the amarnt billing period when we calculate your Periodic Finance Charges. For TDO (idecommrmkonom Device for the Dew' asiiedahn, please eat 1400.347.744. Discover may monitor ahdlor record telephone calls between you and Dswvw representatives for quality assurance purposes. The Discover' cad is issued by Discover Barre, Member FDIC. OITBK056 NOW Balance Minimum Paymerd Due Account Number ending in 4075 2,384.72 DISCOVER $116.00 Enter Amount Enclosed Below Payment Due Date $ January 22, 2006 Please make check payable to Discover Card. f h hl t y e mont You are over{imit. Pay d+e sum o minimum payment plus the overlimit amount of S84.72. 23 SDSN6A01 0007615 Go paperless and make your account HIXSON, JOSEPH information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discovercomwImperkss. PO BOX 71084 III" rill rnr rill r r'Irr'r'r' 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 offer. 00000198645899966823502384?20005?000011600 Discover Card Account Summary Closing Date: December 23, 2005 page 1 of 2 Account number ending in 4075 Previous Balance $2,226.76 Payment Due Date January 22, 2006 Payments And Credits 0.00 Minimum Payment Due $116.00 Purchases + 108.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finn once Charges + 49.96 Cash Credit Available $0.00 New Balance x $2,384:72 You may be able to ovoid Periodic Finance Charges, we the reverse side for details. Cashback Borw a Cashback BonuA Anniversary Month: December Opening Coshbock Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashbadk Bonus Balance $ 1.55 How Can We Help You? 1 Visit Discawr cam to pay your bill for no cost, viewyarr latest Account information, earn and redeem rewards and more it's your choice - 3 ways to help 2. Call 1-800DISCOVER (347-26831 for fast, easy self-service A M anager ccount options or to speak wilh a Customer Service Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sale Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Credits Dec 18 Dec 18 PAYMENT THANK YOU $ -57.00 Dec 23 Dec 18 PAYMENT ADJUSTMENT 57.00 Odw/Miscellanwus Dec 18 Dec 18 PAY BY PHONE PROCESSING FEE DBT 5.00 Dec 23 Dec 23 RETURNED CHECK CHARGE 29.00 Dec 23 Dec 23 LATE FEE 39.00 Dec 23 Dec 23 OVERLIMIT FEE 35.00 Information For You Your account is past due. Please pay your minimum monthly payment plus the past due amount Baksnce Transfer offer for current billing period: Daily Periodic Rate: 0.07395%; corresponding ANNUAL PERCENTAGE ptifth. Rate is subiect to the terms of the offer including expiration. bnportart bhmalion. I there is more than one page to to billing statement. see h bactk of each page for addaiaral important information. o Sea your CardmemberApra rient. Your CadmenberAgreemeht confine all the arms of your Account co Z Lost or sblon cards. Report i mediately! Call 1-OWW-2665. o BOAng Rights Summary. In Case of Errors or OuestimAbout Your Bb: tyou kink your bill is wrong, or t you need more information about a transaction an your bit, wnte us an a § separate sheet of paper at Maw. PO Banc 30421, Salt Lake City, UT 84130-0421. as soon as possible. We must hear from you no hater than 60 days atlerare set you the fist b6 an which the am or problem appeared. You can teleplarhe us. but doing so will not preserve your rights. In your leter, give us h following Information: rn Your name and Account number. CA The dolor amount d the suxpeded enar. Describe the era and explain. I you can. why you believe there is an anon. tyou need more I lamatiom, describe h ran you are unsure abed. -4 You do not have to pay arty smart in question while we are iwestgafig, but you are ad obigalad to pay the parts of you bill that are not in question. WW we irwask ate your quesion, we cannot report you as delipuet or take any action to colect the amount you question. Special Rule 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 as good bbl to caned to problem with to merchant. you may not hate to pay to remalrr" amount due as h goods or services. You have his protection only when h pelota pace was more than $50 and the purchase was made n your home stab or w" 100 aft of your mailing address. (Ile we own or operate the merchant or 7 we mailed you the advedeen sid for h goods or services, all purchases are covered mgaldless of the arrant or baton of purchase.) Psy nrNa Send only your payment and the lop portion of this dakmat in h envelope Provided. Do not send cashh. By sanding your deck as described above, you autho¢e us to use information on you chat to make an elecfrmic knd transfer ban your account a h faaehdal rntkAion Indicated an your died or to process to paymad as a deck transaction. 8 peymdt s processed as an eledOniC fed Mwtde. h tardwwb be for h amount nth dedk. When we use inbmabm ban yourdledc b make an elederh. Mid transfer, krnda nay be wihdewn from your account as soon as h same day we ream your payment. ad you will not receive your deck bads km your A11a11 ii ine6kium The processing of your payment may be delayed Nyou send ash, mmespo dame a other lens with your payment, gym send the payment to any ohr adiless a if you use an envelope other da n te one provided. payments ramalvEd in proper bon at our proohssirg bitty by 5PAl local tenB an any day will be aedbd b your Account as d thal day. Payment received at our processig bc&y after 5PM led ire will be cradled to your Aomut aa91thhe not day- 9 you have mispboed your envelope. send your payrnnt to Discover. PO Box 6103, Carol Stream. It. 601974103. Please allow 7-10 days for delivery. K your payment is returned unpaid. we reserve the right to resubmit it as an eladaicdabi You an pay mihirarn payment at a greater arrut over the telephone, and you can ad tip alomate payments. Cal us at 1400.347-2683. You will need his sulaen and your balk account information. You mat ensure that sullidet lends ore available in yaw beak accost and all transactions mud comply wits U.S. WK You will be adied b provide the tint 5 digits of your account statement ZIP code. By en ring those numbers as yaw eladouic sigabxe, you will be agro A g b this aiar¢aboh to allow us and your bate b deduct each payment you ailhorae from you bate arrant and to idlate debtor credt alias to your bank ax ant as applicable, to cored in emor in the processing of such Payment. You mist sell us to amourd of each payment, or you can select an wait such ash 16nbnnm Payrrard Due or to New Babnc a an each slaserrlent. You can cancel a papmtN, howism. we must receive nobw at least tree business days P advance d to scheduled payment. You may o* us by phone at 1.800347-2683 or by mail at h address Aced in the previous paragraph, t your payments may vary in ameut, we will Id you as each neatly statement when your payme d will be made and how much t will be. You AWanatc payment woo may be less than indicted an the mor" statement based an credits or payments applied dung to billing cycle. Credit Rapatig. We may repast information about your aacort b credit treas. Lab pay eds, missed payne n s, or other debuts on your account may be re#ecbd in you credit repot. We normally report the status and payment lisl ry d your Account to credit reporting agendas each month. 9 you believe that our report is meoarala or ihmrrpiate, please waif us at the following address: DkDver. PO Box 15316. Will inglm. DE 198545316. Plate include your name, address, hone telephone number and Accent number. Periodh Rum Chagas. Except as provided beiaai we will impose Periodic Finance Charges on purchases. cash advances and balance transfers begining wits h dab h transaction oars until te dale d repayment and on Old Balances urd to dale d repayment. Old Balances are comprised d otter purchases and ash advances made on or prior to to lest day of your billing period ending dying February 1993 or Reserve Line balances You an avoid payment of Periodic Finance Chages on new psc hasss t you pay to New Balance shown on to big dalernet on which the purchase And appears by Me Payment Due Dab, and to payments and Credits an ht statement equal or exceed your Previous Balance. WC aA lips h'grace period' You do not hays a gate period on balance Irensfers or ash advances. Periodic Finance Chagos are irposed on now balaaoe transfers and ash advances beginning with to dab to Va sadionh occum Periodic Finance Chages are imposed on all Na sadona and Old Balarhcea mhl h dab of repaymat. Repapxe t novas payment of your entire New Balm. However, A you pay the New Balance show on this tiding statement by h Payment Due Bob, and the Payments; and Credits shown an this statement equal or exceed h Previous Balance, we will not impose Periodic Finance Caarges on new purchases, 90 is. purchases id appealing on tits statement. I your Amount was dosed as of. (t) September 27,199$ or (i) August 31, 2001 and was brnedy a Discover Paine Opion, Discover National Afars for Species Survival' or Universal SWdhosAmout-, or @I) Septadbe 30.2001 and was temledy a Discover San tsman Amoud, you an avoid papal d Periodic Fuhace Charges t you pay the New Balance shown on his Statement by h Payaad Due Dale arid the, Payments and Credits on tins statanat equal or exceed your Pneviona Balaua. Otherwise, you will receive a killing statement nest month Mat included Periodic Finance Charges imposed until the date of repayn a f. We compute Periodic finance Charges each day for purchases, cash advances, Minim brasiers and OId Balances (wbicch we refer for as transaction calegones) by using h following eWatiox Average Daly Balance x number of days m h Bing period x Daly Periodic Rate. (Refer fo the li once, dew summary on h front of your sula e t for these amounts.) Then we add all this Periodic Finance Charges for each transaction alagery to got h blal Periodic Finance charges for you Accord The average Daly Balance is down as 0 l no Periodic Finance Charges apply to the balance in a tra sadion calegay. We use the Avenge Daly Balance (including now trarsacfors) meted of calculating h balance tenon which we impose Periodic Fiance barges. We compile to average daily balance for each transaction akgory by adding up all h daily balances in a bbig period for a Iransadm category and dividing, the folal by she, number ddays in the big cycle. We each ra seion alegoy an each day by tad adding h k1lowig to to previous day's daily balance : transacho s node the deg bes charged tat day mhga/t i?diiy ga{ppie " amd onto previous days defy balance; and by then subbaclirhg any credit and payments Mare applied against to balace of the transaction ,accrued categcry on hl day. Old Balances are eOCkided from h balance of fe prdaaie and ash advance tra sack n categories. Special rate balance basfens and Balance Transfer Tre sactiah Fee Finance Charges are mckded in the daily balance trasbr frawachonh alegory. Balance Verdes that were s oed to an Vial special rate That has been iermiadad de b a lab paymat are also included in to category aW to initial special tits Otherwise wand have expied. In ealadeting the daily Meow of to balance hasfatransacion aaegey an h fist day of h bing pert xQ we &&am to unpaid balance dtoo Balance Transfer Transaction Fee From Charges and balance Vamdera that become purchase rate balance Vanders on that day and we add to agad balance to h balance of h purdhase trasaclon caaegory. Al fees charged b purr Acm nt we added to the purchase transaction category with to exception of Cash Advance Transaction Fee Fiance Charges which are added to 1he cash advance Va swcdon category and Balance Transfer Transecim Fee Finance Charges which ore added b to balance Vaakr Vansacoon category . N a tra sacim made n a previo s big period a tan¢ed on this statement. we consider the basafon date fro be the last day of h current blfng period when we calculate, your Period[ Finance Charges. For TOD (relecannu ialilons Device for you Dan amphorae, pYuss call 1-680.347-7{49. Discover may manior andkr record lelephone calls between you and Discover represe taVyes for quality assurance purposes The Discover" card is issued by Discover Bank, Member FDIC. OITBKO56 DISCOVER I- - - - - -, It HIXSON, IOSEPH DI pays a ?COVEa Account member ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your moillm. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC a? s PPRGRN.0810 Closing Date: December 23, 2005 page 2 of 2 EMNO Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PD RNRAGE PERCENTAGE MANg MANa Bakince s Rates RATES RAW CHASM CHARGES current billing period: 30 days Purchases $2252.76 0.07395% 26.99% V 26.99% $49.96 $0 Cash Advances $0 0.07395% 26.99% V 26.99% $0 $0 The rates that apply to your Account are eithw fixed ff1 or they may vary (V) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). E??•f:?:??3 DISCOVER "$2Z.25Ce 23 SDSNSA01 0007616 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $121.00 Enter Amount Enclosed Below Payment Due Date February 22, 2006 Please make check payable to Discover Card. You are ovemmit. Pay the sum of the monthly minimum payment plus the overfimit amount of $162.25. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercom/paperless. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?nr?r??n?nn)r??ur?n?n?nr)???nr)u)n?n??u)n)n?r)n?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235024622500057000012100 Discover Card Account Summary Closing Dad: January 23, 2006 Page 1 of 1 Account number ending in 4075 Payment Due Date February 22, 2006 Minimum Payment Due $121.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 Previous Balance $2,384.72 Payments And Credits 57.00 Purchases + 79.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 55.53 New Balance $2,462.25 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CasMmck Bonuse -Caslrlrock BonusV Anniversary Month: December Opening Cashback Bonus Balance $ 1.55 New Cashbock Bonus This Period + 0.00 Coshbaclc Bonus Balance $ 1.55 How Can We Help You? 1 Visit Disc~ cam to pay your bit for no cost, view your latest Account information, earn and redeem rewords and more it's your choice - 3 ways to help 2. Call 1-8004DISCOVER (347-2683) for fast, easy sellLservice 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 Dale Payrrrents and Credits Jan 18 Jan 18 PAYMENT THANK YOU $ -57.00 Other/Miscel anews Jan 18 Jan 18 PAY BY PHONE PROCESSING FEE DBT 5.00 Jon 23 Jan 23 LATE FEE 39.00 Jan 23 Jan 23 OVERLINT FEE 35.00 Information For You Your account is past due. Please pay your minimum monthly payment plus the past due-amount i Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2401.50 0.07463% 27.24% V 27.24% $55.53 $0 Cash Advances $0 0.07463% 27.24% V 27.24% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (v) as noted above Important Information. 9 there is more than one page to this big sial emaK see to bads of each page for additional important inbrma6at. co a See your CaMnsrnber Apwmhsmht Your CaNnhemba Agreement tartans all to terms of your Account U) Loa or stolen cards. Report wariedelieyrf Cal 1.999.347-2693. > 0 Sol Rights Sraamary. In Case d Errors or Questions About Your Bill: 9 you think you dill a wrong. or l you need more information about a irmacbm on your bit wdle us on a 0 separate street of paper at Discover, PO Box 30421. Sag Lake City, UT 841304)121. as soon as possltle. We must hear from you no {nor than 60 days aler va sent you the fist bit on 0 wtidh the am or problem appeared. You can kkphone us, but doing so will not preserve your rights. In you letter, give us the b9owng information: ? Your name and Accord number W The dollar amad of the suspected error. Describe the error and explain, I you an, why you lhetieve two is an am. t you need more information, describe the Item you are ursu i about v You do not have to pay any amount in quesim while we are nhwsYgafrxy but you are still ab(gnta I to pay the pads of your bit that are not in question. White ore investigate you question, we camnd report you as delinquent or take any ad ion to collect the amount you question. - - - - Spedd Rda far Credit Card lhrdma m Mycu have a problem with the quality d goods or services bud you purchased with a credit card, and you have tried in good faith to cared the problem with the merchant, you may not have No pay the remaining amount due on the goads or services. You have on protection only when the purchase price am more then $50 andthe purchase was made in your home We orwetnih 100 rules dyer mating address. (tvie Oar or operate the merchant or 9 vie mailed you We advatiseme dforthe goods or services, all pudases arecovered regarless dire am o nt err braCah d pudase.) Payments. Send only your pspmwt and the lop portion of this statement in the envelope provided. Do not send cash. By sending your deck as desscrbed abDm you tedwrQB us to use i formafon on your deck to make an electronic Dud transfer from your admait at the financial sstk6ah indicated an your dheck or to process the payment as a deck transaction. l parrad is processed as an eledonit bW boafm the baslawill be for In amount d the dhedk. V*w we use information from ynxr check to make an electronic fund transfer, kinds may be withdrawn from you wwW as won as the sane day we receive your payment, and you will not receive yon chalk bad from your financial islihtim. The processing of you payment may be delayed if you sand ash, correspondence or aft items with your payment, lye send the payment to any dine address or l you use an envelope oter than the one Provided. Payments received in proper tam at our processing facility by 5PM local time on any day will be credited to your Aaart as of that day. Payments receivWAour processing lack after SPM local Mme will be credited to you Account as dNenext der} l you tow misplaced your envelope, send yaapayment to Discover,.PD.Box 6103, Card Stream. IL 601976103. Please allow 7-10 days for delivery, l you payment is returned unpaid, we reserve the right to resubmit t as an electronic debit. You can pay minimum payment or a greater amid as the telephone, and you can set up automatic payments. Cal us at 1404347-2683. You coil need thle SMaemnhEnt and your bank account information. You must ensure Chet wllident kinds are walable in your bank ahcomi t, and all Mmachow me comply with U.S. law. You will be askad b pnyvide the fist 5 dgis of you account statement ZIP code. By erhtertrg those numbers as you dacbonic signature. you wit be agreeing to do automation to allow us and yaw bank to deduct each payment you again from your bent amour, and to mate debt or credit entries b yaw bank account as applicable, to coned an am in the processing of such payment You and fell in the amount of each payrrsnL or you can send an anoad such as the Minimum Payment Due or the New Balance on each sot mart. You can canal a payment, however, vie must receive notice at leastCaee business days in advance of the scheduled payment You may nobly us by phone at 14"7-2693 or by mail at the address listed it the previous p, - agraph. I you payments may vary in amount we will tell you on each monthly statement when you payment will be made and how much it alb be. You Automatic payment amount may be less than indicated on the monthy statement based on credits or payments applied ding the bldg cycle. Credit Reporting. We may report information about you account to credit bureaus. Late paymerft missed paymets, or other defaults an your account may be relleced in you credit report Mfe normally report the scales ad payment history of your Account to credit reporting agencies each month. l you believe that our report's iaoarate or incomplete. please write us at the kblbvvig address: Diadwa, PO Bole 15316. W lmrnglon. DE 198503316. Please Include yaw name, address, hem telephone number and Account number. Pedorie Florin Charges. Except as provided below. we will impose Periodic Ria1Le Charges on purchases. cash advances and belays trawlers begmig with thedale fire Vivisection occurs unit to data of repayment and on Old Balances un9 the date of repayment Old Balances we comprised of either purchases and cash advances made on or prior to the last day of your big period andi g &xtrg February 1993 or Reserve Line balances, You can avoid payment d Periodic lFinanoe Charges on new p ichases if you pay the Now Balance showrh onthe billing stalement on which the purchase first appears by the Payme it Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance Wa al this the'graa period You do rat have a grace period on balance traders or cash advances. Pe io is Finance G&W are imposed on new balance transfers and cash advances beginning with the date the transaction own. Periodic Fn i nce Charges are imposed on all transactions and Old Balances unit the date drepayrrwd Repeyme t mess payment of your entire New Balance. d mvw, l you pay the New Balance show on this bitrg sbtamalt by the Payment Due Date, and the Payments and Creole shown on in statement equal or exceed No Pmevias Bob". we wit not impose Palo& Franca Changes an new purchases, fat is. purchases fiat appesig on Ns statamnl. If your Account was dosed as at. @ September 27,1999; or n August 31, 2001 and was formerly a Discover Prim Option, ilecover National Alliance for Species Sw4W or Universal SludiusAmout. or (lit) September 30, 2001 ad was formerly a Discover Smi9saran Account you can avoid payment of Periodic Fnahce Gages l you pay the New Balance shown on his 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 big statement next math that included Periodic France Charges imposed until the date of repayment. We cannpute Periodic France Charges each day for purchases, mash Wvaroes, balance trarder5 no Old Balances (which we refer to as transaction categories) by using the lid equation; Average Daly Balance x mxnberddays in the big period x Daly Periodic Rats. (Refer b the fi encce charge sunray on the frort of your sMMmed for these amhounts.) Then we add all the Periodic France Charges fo each transaction category to get be M Periodic Fiance charges for you Account The average Daly Balance is dam as 0l no Periodic Finance Charges apply to the balance in a tarsadim category. We use the average (ally Balance (Including new trasediom) method of alataMhg to balance upon which we impose Periodic Finance pages. WB toques the average daffy balarhce for each transaction category, by adding up all the daily balances in a big period for a transaction category and dividing the total by the number of days in to big cycle. We for each transaction category on each day by brat adding to kin" to the previous days daily balance: transactions made the day, tees charged that day compuaf9lYllytl a B and Pti?1i1 ages aocr on the previous days daily fie; and by then subtracting any craft and payments to are applied against the balance of the transaction category on that day. Old Balances we excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Trash Tnansadon Fee Fiance Charges are included in the daily balance barsfer barsadiorh ategory Balance transfer the were subject b an mkW Wodal rate that has been tarmialed due b a bb payment ae also included in the category unit the initial special rob otlwwise would have expired. In calculating the defy balance of the balance transfer transaction category, on the fist day of the big period. we subtract the unpaid balance of tease Balance Transfer Transaction Fee Finarnce Chagas ad balance travelers that became purchase rata balance Versions on that day and we add that unpaid balance to the balance of the purchase transaction category. All fees dlaged to your Account are added to the Purchase trenwedlon category with tre exception of Cash Advance Transaction Fee France Charges which we added b the ash advance transaction category and Balance Transfer Transaction Fee France Charges wHch are added to the balance transfer transaction category. If a trer eacion made in a previous bung period is temiaed on this sbbmant we consider the transaction date to be Be fist day of the current big period when we calculate your Periodic France Gages. ForTDD (WecommmteMiors Device for the Day) rsslWnce, please W 1494347-7449. Discovermay rnoulbr adbr remind telephone cob b>ahween you and Discover repesernatves for quality assurance purposes. The Dsahver' ad is issued by Discover Banc, Mamba FDIC. OITBKD56 New Balance Minimum Payment Due . Account Number ending in 4075 DISCOVER $2,541.61 5128.00 Enter Amount Enclosed Below Payment Due Date $ ?- March 22, 2006 Please make check mill to Discover Card. f th dw th li it P e svm o e m" y m . ay You are over minimum payment plus the overlimit amount of $241.61 23 SDSN6A01 0007617 Go paperless and make your account HIXSON, JOSEPH information ble more secure more secura e with passvro with passivo rd- 917 THORNTON DR Protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discoveroonVpaperless. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1rr1r11rr1nln1n11fill rrdr1nn111Lfill 1u1r?11sr1rr1u61rr11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235025416100057000012800 Discover Card Account Summary Closing Dale: February 23, 2006 page 1 of 1 Account number ending in 4075 Previous Balance $2,462.25 Payment Due Date March 22, 2006 Payments And Credits 57.00 Minimum Payment Due $128.00 Purchases + 79.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 57.36 Cash Credit Available $0.00 New Balance $2,541.61 You may be gals to avoid Periodic Finance Charges, see the reverse side for details. Cashback Borwse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 Cashbock Bonus® Anniversary Month: December How Can We Help You? 1 Visit Discover corn to pay year bill for no cosy view mare latest Account information, earn and reclean =and It's your choice - 3 ways to help 2. Call 1-800 DMOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please rave your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sal Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 18 Feb 18 PAYMENT THANK YOU $ -57.00 0111er/Miscellaneous Feb 18 Feb 18 PAY BY PHONE PROCESSING FEE DBT 5.00 Feb 23 Feb 23 LATE FEE 39.00 Feb 23 Feb 23 OVERLIMIT FEE 35.00 Information For You Your account is post due. Please pay your minimum man* payment plus the past due amount. 8AF Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CNARGM CHARM current billing period: 31 days Purchases $2479.90 0.07463% 27.24% V 27.24% $57.36 $0 Cash Advances $0 0.07463% 27.24% V 27.24% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. impalant Monition. 0 owe is more than one page to this billing statement see the back of each page lor additional important nfomnalon. Sur yourCardm inber Agnanenl Your CardmemberAgeemeniconam al tie lems of your Account Lost or abbn cards. Report imnedWrdyl Cal 1-804347.26113. 0014 RhgMs Summary. In Case of Errors or OuestionsAbout Your Bill. If you thole your bit a wrong, or if you need more kdomalion about a transaction an your bill, write us on a separate sheet of paper at Discover PO Bah 30421. Salt Lake C ft UT 841300121. as soon as possible. ft must hear tam you no later than 60 days aft we sent you Ina first bill on which the error or problem appeared. You can fetephahe us, bul doing so will not preserve your riglds In you Fetes on is die following information. Your name and Account number. The dolor amoud of the suspected error. Describe the are and explain. If you can, wiry you believe Owe is an error. O you need more irdormaim, describe the item you are unsay about. You do not to" to pay any amount In question while we are invesligatirg. but you are sell ahigakd to pay the parts of you bill Oat are not kh question. While we irmasligab your question. we cannot report you as delinquent or take any action to collect the amount you question. SpKW Rub for Cradle Card Padmas: 0 you have a problem with Ore gLoa* d gcodsor services Oat you phrdated with a aedt card, and you have hied in good fall to coned the problem with the mordant. you may not have to pay fie remaining amount dire on the goods or services. VW lave In prokctiors ably when the purchase price was more than $50 and the purchase was made fro you hone state or within 100 mass of you mating address. (t we own or operate to ward" or lwe mailed you the adverdaarost for tie goods or services, all purchases are covered regardless of One amount or location of purchase.) Paymads. Send only your payment and the top portion of this statement in tie envelope provided. Do not send cash. By sending you check as desubed above. you authorim us to use information on your died to make an electronic find transfer from you amount at the irranc?al i siluim indicated an you deck or b process the payment as a diedk trasacim. It payment is processed as an electronic fund transfer the taster will be lor be amount of the died. Wien we use irdomaim from your died to make an ebdaic lund trarsler, finds may be withdrawn from you account as soon as to same day we receive you payrnat and you will not receive yawchedc bad fmm you financial nsillion. The processing of you payment may be delayed If you send ash mrospahderm or odier ilers wlh your paymeK lyou send fie payment to any dine add or l you use an envelope other tan the one provided Payments received in proper form at our pwossng taciily by 5PM local time on any day wel be credited b your Acoonhl as of fat day. Payments received ato r processing lacky aier 5PM local time will be credited to your Aaantas of the and day.0 you lave aispbced yo r envelope. send you paymwl b Disover P09ox 6103, Cad Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment Is oet i ned unpaid, we reserve the right to resubmit Ras an electronic debit You can pay minimum palmed or a greater amount ova tie Wephow and you can set up aubrtafe payments. Call us at 1-1100-347-2603. You will need this statelard and you bank account irformalion. You must ensure that sufficient fads are avaiabk in you bank aecoud, and all tasadWs mud amply with U.S. law. You A be asked to provide the first 5 dgls of your acw M salernent ZIP code. By entering two mambas as your electronic signakae, you will be agreeing to this auforusition to slow us and you bat to deduct each payment you authatze tan you bat amout and to node debit or credit entries to you bat accent as applicable, b coned an am in the processing dsuci paymet You mud bit us the amount Beach payment, or you can select an amount such as rie Minimum Payment Due or fie New Balance an each statement. You can anus a payrnerd, lai eve, we in* receive nowe at least thee business days in advance of tie scheduled payment, You may notify to by phone at 1.W3117-2663 or by mall at the actress fekd •n the previous l gapI 0 your payments may vary in amount, we vdll sal you on each monthly statement when you payment will be made and how much l will be. YourAubmatc payment ~maybe less tan radiated on the monody statement based on aedts or payments applied during the billing cycle. Crodl Repor ft We may report i lonration about you acco rt to credit brreas. Lab payments, missed payments, order defaults an your account maybe rotaded in you credt us at the blowing address Discover, PO Bo 16, Wilmington. 91R%553 e1166. Plleem iihclude?yar name, address, have telephone nahiber and Accord number wvRe Perbdic Fining Charges Except as provided below, we will Impose Periodic Finance Charges on purchases. cash advances and balsroe tarsiers begladny vim the dab the transaction oooas until the date of repayment and m Old Balances urtl to dab d repaymml Old Balances are oarprsed of eilher purchases and cash advances made on or prior to the last day of your blbg period ending during February 1993 or Reserve Line balances. You an avoid payment of Periodic Finance Charges on new purchases it you pay the New Balace shown on the big statement on which the pucase first appears by the payment Due Dab, and the Payments end Credb on that statement equal or exceed your Previous Beare. We al iris the Vase period' You do not have a pace period on balance transfers or ash advances. Pertorfic Finance Charges are imposed on new balance transfers and cash advances begimig with fie date the transaction locus. Periodic Fa ince Charges are imposed an all trarsactus and Old Balances udt the dale M repayrawt. Repapneit means paymet of your entire New Balance. Harem if you pay the New Balance shown on his biting statemerd by the Payment Due Oak, and the Payments and Craft sfowm on tin ememe t equal or exceed the Previous Balance, we will not impose Periodic Fiance Charges on new purchases. tat is. purchases first appear" on to statement. it your Account was dosed as of: W September 27,1999, or () August 31. 2001 and was formerly a Discover Prime Option. Discover National Alliance br Species SavivuF or universal StudiosAeoount or (i) Sepl mba 30.2001 and was formerly a Discover Smifsorw Acmnl, you an avoid payment of Periodic Finance Charges l you pay tie New Bob" shown on fns Sfalemerd by the Payment Due Date and the Payments and Credits an this statement equal or exceed you Previous Balance. Otherwise, you will receive a bill g sakmeR red month tat included Periodic France Charges imposed and the dale of repayment Vfe compute Peiodic Finance Charges each day for purchases, ash advances, balance hrasfers and Old Bans (shich we refer to as transaction abgo has) by using the tnlbwirg equation, Average Daly Balance x n mba o f days in th ling period x Daily Periodic Rafe. (RWwlo t w o nahce charge summary an one kont d your statement br too anoints.) Then we add all to Periodic Fiance Chagas for each transaction category to get the total Periodic France barges fir you Accourd. The average Daly Balance is shown as 0 Ono Periodic Fnarce Charges apply to the balance in a transaction category. ft use ft Average Daily Balace Cndudng new transacbDrs) medod of calculating the balance upon which we impose Periodic Finance Charges. VVe compute the average daffy balance for each transaction calagory by adding up all One daily balances in a billing period for a transaction calcgory and diadi fig the total by the number of days n to lift cycle. We compD ?y?qt 1 la each trasacton category on each day by first adding the foloxirg b the previous days daffy balance: trasado s made to day, fees charged that day ad F'en04 accrued on she previous days daily balance: and by then subtracting any aedls and payments OW are applied against the balance of the transeclm category on tat day. Old Baaroes we excluded from th balance et she phxchase and cash advance transaction categories. Special race balance transient and Balance Traslr Transaction Fee Fiance Chagas are intruded in th daily balance Vaster tasadidn category Ballarat transfers to were stoed to an rod speml rate to has been Unmated due to a We payment are also induced in the category until the nbal special rate otherwise would have egAmd. In calculating lie daily balance of to balance kasha bansadicrh category on the first day of ft Wig period. we subtract fie unpaid balance of those Balance, Transfer Trasaction Fee Finance Cargos and balance transfers do became purchase raft balance tasfas an that day and we add tat unpaid balance to to balance of the purchase transaction category Al lees barged to your Account are added to the purchase transaction category with lie exception of Cash Advance Trarsacfas Fee Finance Charges Mich ore added to fie ash advance transaction category and Balance Trasfer Transaction Fee Finance Charges which are added b to balance transfer transaction category. la transaction made n a pevoo s billing period is danced on this staanad, we consider the transaction ate to be the first day of ire accent biting period when we calculate your Pedodc Finance, Charges. For TDD frelecommunkatlons Drtilm for One DeA assisfarice, please call 14110.317-7441. Discover may monitor andlorrecord tebphahe calls between you and Discover representatives for quality assurance purposes The Discover card is issued by Discover Bat, Member FDIC. O1TBK056 DISCOVER sNZ,617Balance 0 23 SDSN6A01 0007618 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $137.00 Enter Amount Enclosed Below Payment Due Date $ April 22, 2006 Please make check payee to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus 16 overlimit amount of $317.50. Go paperless and make your attain information more secure with password- protected statements only you can access. Learn more at discover com/palmless. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space In1rllu1nr1r1Inrlrnlr1nr1111nJninlu1Ir,I1,IlIIrIuil above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235026175000057000013700 Discover Card Account Summary Account number ending in 4075 Payment Due Date April 22, 2006 Minimum Payment Due $137.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 Closing Date: March 23, 2006 page 1 of 1 Previous Balance $2,541.61 Paymenh And Credits 57.00 Purchases + 79.00 Cash Advances + 0.00 Balance Transfers + 0.00 Firance Charges + 53.89 New Balance $2,617.50 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashbdck Bonus® Anniversary Month: December Opening Cashback Bonus Balance $ 1.55 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 How Can We Help You? ' i test ? t form;, ?,? 6iN for and redeem 'rend more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy seWservice 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 Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. TranL Past Payments and Credits Mar 18 Mar 18 PAYMENT THANK YOU $ -57.00 Cidw/Miscellaneous Mar 18 Mar 18 PAY BY PHONE PROCESSING FEE DBT 5.00 Mar 23 Mar 23 LATE FEE 39.00 Mar 23 Mar 23 OVERLIMIT FEE 35.00 Information For You ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ****'** 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. -RA bFffig%kharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE F04ANCE FINANCE Balances Rates RATES RATES OfARGES_ CHARGES current billing period: 28 days Purchases $2556.44 0.07532% 27.49% V 27.49% $53.89 $0 Cash Advances $0 0.07532% 27.49% V 27.49% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. important Inkermlion. l tare is more than one page to this big statement, see the back of each page for additional important information. Sao your Cardmember AWoemant. Your Cardn+amber Agreement contains at the terms Of Your Arxant. Lod or sWen cards. Report nvnedatelyl Cal 1400.347.2661. Bung Rights sun nary. In Case of Errors or QuestioesAbed Yor Bit If you huth your bill is wrong, or l you need more information about a transaction on your bill, write us on a separate sheet of paper al Discover, PO Box 30421. Sell Lake City, UT 84130-0421. as soon as possible. We mat hear from you no Porter than 60 days air we sent you to first bill on which the am or problem appeared. You can telephone us. brut doing so will not preserve your rights. In you letter. give us the k1 owing information: Your new and Account number. The ddlar amount of the suspected error. Describe the error and explain, d you can, why you beleve there is an error. If you need more Inlorrratim, describe the Rem you are unsure abed. You do not have to pay any amour in question while we are nra60alig, but you are sal WOW to pay the parts of you M that are not in question. WNe we investigate your queslim, we cannot report you as delinquent or take any action to called the amount you question. Special Rule for Cradt Card Purchases: Of you have a problem with the quality of goods or services tat you purchased with a credit card, and you have fried in good forth to caned the problem with the merchant you may not have to pay to repairing amount due on the goads or services You have this prolebar only when the purchase price was more tan $50 and the purchase was made in you hone state a w dm 100 miles dyer mailing ad8ess. (tvve own oroperate the mere ard, orif eve mated you to advertisement for the goods or services, all purchases are covered mgadkm of the airmail or location d purchase.) Payments. Send only your payment and to by portion of This statement in to erwelope provided. Do not send cash. By seeing your deck as desabed above you Bertram us to use infoemabonh on your check to make an electraic kid trarsler lean your account at to financial institution irhdcated m your check or to process the payrond as a deck transaction. O payment is processed as an electronic fund transfer, the is do will be for the amount of the deck. When we use irdormallan from your check to make an elecleantc feud tiarsler, finds may be w dWmwm from your account as soon as to same day we receive your payment. and you will not receive your check bads from your financial ioibaim. The processing of your payment may be delayed lye sad cash, correspondence orother dons with your payment, l you send the parrot to any clear address or l you use an envelope other than the one provided. Payments received in proper form at our processnng facility by 5PM local time on any day will be cradled to your Award as of tat day Payments received at our processing bolly after 513M local tine A lip, I eted to yorAccouunt as d the next day. l you have misplaced your envelope, send your, pagmedb DwDver, PO Bas 6103, Cad Stream, IL 601976103. Please slow 7-10 days for delivery. N your payment is returned unpaid, we reserve she right to resubmit it as an eledmic d" You can pay meenum parrot or a greateramoud air the telephone, and you an sit up automatic payments. Cal us at 1-80DW-2683. You will need this dalement and your bare account information. You met issues that suRndenl funds am available urn your htdr account, and at transactions roust comply with U.S. law. Ybu will be aalad to provide to tint 5 digits dyour account statenhadZIPcode. Byenteringthose numbers asyamWec r icsignature,youvdtbeageengbthis ateor¢a1mbslow usandyour badsbddbdsadvpayment you a ahcrue from your bank account, and to inhaledebi a credit ern- loyourbadk smart, as applicade, to coned ander n the; -, ig dsuch pepmert You men Id ua 1he account of each payment. or you an select an amount such as the Minimum Payrrot Due or the Now Balance on each statement. You can arnrxl a payment, however, we not receive notice at leas tree busiresn days in adhence Of the scheduled payment. You may ndly us by plane at 14"7-2683 or by seal at the address listed in the previous paagnph. N your payments may vary in amamt, we will tell you on each monthly stelemad when your payment A be made and how much it wilt be. Yom Ah c parsed anoud may be less than i drsed on to monthly stalenaM based on credits or paymdds applied during to Ming cycle. Cr@W Reporting. %* may report information about your account to as& bunsass. Late payments, missed payments, or other rlsk& an your amaad may be rdcded'n your credit report. We normally report the staWs and payment fislony of your Account to acrid reporting agencies each maah. If you befieve that our report 'a inaccurate or weoupids, please write fen at the following address: Discover. PO Box 15316. YYinmglork DE 19650-5316. Please include your name, address, home telephone number and Account member. Periodic Finance Charges. Except as provided blown. we will impose Peak Fiance Charges on purchases, ash advances and balance transfers bcginhing with Me dab the transaction occurs until the date of repayment and on Old Batches urd the data of repayment. Old Balances am wmpmed of either purchases and ash advances made on or prior to the last day of your Wing period ending suing February 1983 or Reserve Line balances. You an acid payment of periodic Fiance Charges on new pudmes t you pay the New Balance show on the bBing statement on which the purchase fret appears by the Perron Due Dale, and the Payments and Credits on that slahnord equal orexeeed your Previous Balance. We call in lw'Wm period' You do not have a Wm period on balance tamilms or cash advances. Periodic Finance Charges are unposed on new balance transfers and ash advances beginmg with the dale to transaction own Periodic Fiance Charges are unposed on at transactions and Old Balances well the date of repayment. Repayment mans payment of your antre New Bdarm However, l you w no i posePdadeF m narha Clift billing slarternerl harges on prd by iesthe es. hat is, purDue chases h? ppeaants tand his e?msrd ? closed d ass of (leexceed September 27.198 airp) w8 August 31, 2001 and was formerly a Discover Prime Option, Discover National Alliance for Species Survival' or Universal Studios Account or (e) September 30, 2001 and was formerly a Discover Smithsonian Account you can avoid payment of Perak Fiance Charges l you pay the New Balance shown on Ns Statemerd by he Paymad Due Date and he Payments and Credits on this statement equal or exceed you Previous Balance. Ohdwhse, you will mmye a bung stabmdd next worth that Included Periodic France Charges imposed until the date of repayment. We comp ule Periodic Finance Charges each day be purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the Mowing equidion; Average Then via add al the PerioBalance x number of dic Fnanee Chages f for eaIn Ihe biling; period x Daly Penodic Rate. (Refer to the firance charge summary on 1he front of your statement be lose ch transaction allegory to get the lotion Periodic Finance flanges for your Account. average Daily 8alarhce is showed no Periodic Finance Charges apply to the balance in a transaction allegory. We use the Average Daily Balance (including new transactions) method of calculating the balance upon w tKh we impose Periodic Fnaae Charges. We earpule the average daily balance for each transaction category by addng up al the daily balances in a bifrg period for a transaction cabgoryr and dividing the total by to amber of days n the big cycle. We ore ?cece for each transaction category on each day by first wiring the following to to previous days daily balance: bansacfos made dial day. bas charged that day and parga awned on the previous days daily balance; and by tan subtracting any credits and payments tat are applied against he balance of the transaction category on that day. Old Balances are excluded from the balance of to purchase and cash advance transaction categories. Special fate balance trashds and Balance Transfer Transaction Fee Finance Charges are included in he daily balance transfer transaction category. Balance transits that were abject No an iriiai special rate that has been imminated due to a late payment am also included al the category mill the "M special rate Otherwise would have expired In calculating the daily balance of the balance transfer transaction category on he first day of he hunting period, we subtract the unpaid balance d Lase Balance Transfer Transaction Fri: Finance Charges and balance transfers that become purchase rate balance transfers on tat day and we add dal unpaid balance to the balance of the purchase ion sartim allegory. Al fees charged to you AcmA we added to the purchase transaction category with the exception of Cash Advance Transaction Fee France Charges which are added to to cash advance transaction category and Balance Trarskr Transaction Fee France Charges which are added to the balance trarsler transaction category la transaction made n a previous billing period's dammed on his statement. we canstder to transaction date to be the first day of to wean big period when we calculate your Periodic Finance Charges. For TDD (Ttl commudcadoms Device for the Dean assistance, please al 1.00.347-7149. Discover may monitor adfor mooed telephone cab between you and Discover representatives for quality assurance purposes. The Discover* cad is issued by Discover Bade, Member FDIC. 01TBKO56 DISCOVER 23 SDSNSA010007619 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA New Balance i Minimum Payment Due $2,700.60 $158.00 -- i Payment Due Date May 22, 2006 17055-5752 Account Number ending in 4075 Enter Amount Enclosed Below $ Please make check payable to Discover Card. You are ovedimit. Pay the sum of the man#* minimum payment plus the overhmit amount of $400.60. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover con4popertess. PO BOX 71084 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. 000001986458999668235027006000057000015800 Discover Card Account Summary Account number ending in 4075 Payment Due Date May 22, 2006 Minimum Payment Due $158.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 Closing Date: April 23, 2006 page 1 of 2 Previous Balance $2,617.50 Payments And Credits 57.00 Purchases + 78.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 62.10 New Balance $2,700.60 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashbock BonuWAnniversory Month: December Opening Coshbaek Bonus Balance $ 1.55 New Coshback Bonus This Period + 0-00 Cashback Bonus Balance $ 1.55 1 Visit Discover com to pay your bill for no cost, iew your How Can We Help You? latest Account information, earn and redeem revwards and more It's your choice - 3 ways to help 2. Call 1-800ZMOVER (347-2683) for last, easy sellservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sall Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Data Payrnents and Credits Apr 18 Apr 18 PAYMENT THANK YOU $ -57.00 01her/Miscellaneous Apr 23 Apr 23 LATE FEE 39.00 Apr 23 Apr 23 OVERUMIT 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 and balance tramfers. 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 flan section of the Cardmember Agreement for details. $1' 8633ATTENTION ******* ATTENTION *****,r* ATTENTION ******* ATTENTION *****'* ATTENTION "********We previously requested the past due amount on your account. We haw no record of receiving payment. The amount due should be paid at once. Use your Discover(R) Card to make a $100 donation to The Status of Liberty-Ellis Island Foundation, Inc. and you can have the name of someone you taro about engraved on The American Immigrant Wag of Honor(R), bulk to celebrate freedom and commemorate American Dreams. For more information 69 on to Discovercard.eom Important biormation. t there is more than one page b Ms Wing statemed, see the bade of each page for adddmd minor t idor atim. See you Cardime der Agreement Your Caminember agreement contains all the tams of your Accent Lost or stolen cards. Report immediately! Cal 1.800.347-2663. Biting Rights Summary. In Case of Errors or Ouesbons About Your B41: If you it" you bill is wrong, or it you need more information about a transaction on your b9, write us on a separate 9" of paper at Discover, PO Box 30421, Salt Lake City. UT 84130-0421. as soon as possible. We must her Ian you no later then 60 days alit we sat you the fret bill on which to error or problem appeared: You can telephone us, but doing so will not preserve your rights. In you Wier, give us to blowag nlormatbn: You name andAcmu t number The dollar amour of to suspected error Describe toe err and explain, d you can. why you believe there is an error. If you need more nkrmatioh, describe to term you are unsure about You do not have to pay any am otu t in Weston while we are imreslgaleog. but you am still obligated to pay the pals of your bill that are not in question. 144de we investigate your question, we card report you as delinquent or take arty action to cole:t the amount you question. Spscld Rate for Credit Card Kmhassa: If you have a problem with the quality of goods or services that you purchased with a credit card acl you have tried in good faith to correct the problem with hue rrarc ant, you may not have to pay the renaming amoud due an Be goods or services. You have this pouecfron only when the purchase pace aesmore than SW and the purchase was made in your home slate or within 100 miles of your madag address. (t we own or operate the merchant. or if we rated you fie advertisement for the good or services, d the purchase are covered regardless of the amount or loabon of the purchase) Payments- Send only your payment arid the top portion of the statement in the envelop provided. Do not send rash. By sending you check as described above. you aAhonte us to use information on your dhede to make and electronic fund tra sfe Zorn your axed at Ina (men of institution indicated on your dark or to process the payment as a dodo transaction. 9the pwymert is processed as an electronic lad transfer, the transfer will be for the amount dtb check. When we use information from your cheek b make an electronic lad t anafa, fuss may be withdrawn from you account as soon as the same day we receive your payment. and you wit not receive you check back Ian your financial nstikow, The processing of your payram maybe delayed t you send cash, wrtegiordence or otter Amis with your paymenit t you send the payment to any other addressor d you use-an envelope otter than the one provided. Payments received in proper form at our processing facility by %% local lime on any, day will be credited to your Account as d to day. Parana received al ourprooming faalty after 5PM bed tme wi be aedted b youAcooat as of to next day. t you haw misplaced you envelope, sad yrr payment b Discover. P09=6103, Cad Stearn. IL 60197-6103. Please allow 7-10 days ler delvery K yourpayments reamed unpaid, we reserve the right b resubmit it as an ebctraic debit You can pay your w iwrxan payment or a greeter amount air the telephone, and you can set up aubnhatic payments. Cat us d 1400.3472683. You will need his statement and your bale amount eimtston. You must ensure that sufficient kinds are available in your bak account. and at transactions mat comply with U.S- law You will be sated to provide the fiat 5 digits of you amount staleme t ZIP aide. By an*" tow numbers as your electronic signature. you will be agreeing to his a th rimfon to allow are and your beri to deduct each parent you rrtonze from you bank account, and to node debit of a" rubes to your lark accord, as applicable, b cared error in the proossaig d such payment You mat lot to the mount of each paymerd. or you can select an amount such as Wwri rn Payment Due or to New Balance on each statement. You can anoal a payment however we must receive oboe at least tree business days in advance of In scathed psymert You may roMy us by phone at I-BW-347-2683 or by and at to address baled in to previous paragraph. t your payments may vary in amount we will tall you on each narhtfy statamnd when yea payment will be made and how much t will be Your Aubmakc parent aranurd may, be less tan the iAmled on the morht ly statement based on redis or payments applied during the bi" cycle- Credit Repor ft We may report information about your account to credit bureeus Late payments. missed payments, or other defaults on your account may be reflected in your credit report. ft normally repel l he status and paym erd history of you Acmud to credit repatrg agencies each mach. If you beliewe that our report as iracareb or incomplete. plea trite us at to fdbwig address: Dsceuer. PO Box 15316. Wfilnhngton, DE 198505316. Please dude your roue, address, home telephone number adAccount number PERIODIC FNMICE CHAGES. Periodic France Chagas are inposed on all traraactima from the date the transaction is posted to your Accord until the data you pay your antra New Balance. by making parents or receiving credits. Hamm we will pavile the blowing grace period' If you paid to New Balance an your pervious big statement by the Perot Owe Den shown on that stalemed, and you pay the New Balance by the payment Due Bete on the statement we will not impose Periodic Finance Charges an new purchases, that s, purchase first appearing on this Malmert. Oterwiss. you will receive a bfirg statement raxt month that includes periodic Finence Charges on those new purchases. Thee is no grace period on bdrae transfers or cash advances. We sort your transactions inb groups of purchases. cash advances, and balance I rosters and tan hinter sort the transactions whin each group by 1whinuah Percentage Rafa_ For example purchases subpd b a promotional rate and pundases subject to standard rate world be separate groups. We mfr to these grails as transaction ce"ones. At the end of each bang period. we compute periodic I'mace Charges for each day of the big period for each transaction category . We use tie following sWeion to compute Periodic for each transaction category Average Daily Balance x number of days in the billing period x Deily Periodic Rata (Sit the finance, charge summary an your statement for terse amourts 1 Than we add up to Periodic Finance Charges lax each transaction ategay to gal the btai periodic: Firhanee Charges for you Accost The average Daily Balance is shown as zero it, because of the grace prod. no Periodic Finance Charges apply to the balance in a transaction cMgay. We use the Average Daly Balance including new transactions) method of calculating to balance upon which we rpm Periodic Fiance Chagas We oompute the Average Deity Balance for each I eraactim category by adding tip all the daily, balances in a billing period for a transaction category and diving the btal by the number of days in to big cycle. We compute the daily balance for each transaction category an each day by first adding the balm" b to previous days daily balance. Iansaulions made flat day tees charged tat day and Periodic Framer Charges accrued on that day If a transaction is pasted to your Accent after the dose of the tilling period in which it occurs. we will tree the transaction as having ocared an the W day of to biting period in which t s posted to your Account. At fees art re added b to standard purdase t wmacbon category with the excepliomh of CeshAdvace Transaction Fee Finance Charges which are added to to appl %TAM transaction category and Balance Transfer Trrsaclon Fee Fierce Gorges which are added b the applicable balance transfer transaction category. When the special rate expires. me move the unpaid bdence of the balance as sler and the Balance Transfer Transaction Fee Finance Charges b the standard purchase transaction category. However, tithe special rate has been terminated actor to Default Rase Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trraacioh Fee France Charges in the applicable transaction category aft the special rate would have expired. Fa TM (Tdsoorrrmication s Device for the De&Q assistance. cat 1 347-7449. Discover may momta ardor record telephone cats behvoen you and Discover representatives, for quality assurance purposes The Dsowae cad s issued by Discover Bank, Member FDIC 01TBK107 DISCOVER It pays to HIXSON,JOSEPH DISCOVER Account number ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-prokected, statement history, complete with merchant names, locations and zip codes. Go to D'iscovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bonk, Member FDIC S PPRGRN.0810 Closing Date: April 23, 2006 page 2 of 2 Pr O Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FRANCE aB lances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2636.49 0.07600% 27.74% V 27-74% $62.10 $0 Cash Advances $0 0.07600% 27.74% V 27.74% s0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rated above. Questions? Manage your account at D'acover.com or call 1-8004MSCOVER (1.800-347-2683). 8458833 New Balance I VER DISC Minimum Payment Due, Account Number ending in 4075 l d l $2,840.83 O $23600 Enter Amount Enc ose Be ow Payment Due Date $ I June 22, 2006 Please make check payable to Discover Card. hl f h e mont y t You are overlimB. Pay the sum o minimum payment Plus the overlimit amount of $540.83. 23 SDSN6A010007620 paperless and make your amount Go HIXSON, JOSEPH information more secure with password. 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 earn more at discover..comlpoperless. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space IIIhill Iirrfill lnnninnilinr11lllr,rlr,6dnnl6nlneif 51 11 1r11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235028408300000000023600 Discover Card Account Summary Closing Dale: May 23, 2006 page 1 of 2 Account number ending in 4075 Previous Balance $2,700.60 Payment Due Date June 22, 2006 Payments And Credits 0.00 Minimum Payment Due $236.00 Purchases + 78.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 62.23 Cash Credit Available $0.00 New Balance = $2,840.83 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cash6xk Bonuse Opening Cadd=k Bonus Balance $ 1.55 New Coshbock Bonus This Period + 0.00 Cashbadr Bonus Balance $ 1.55 Cashbock BonusO-Anniversory Month: December How Can We Help You? ' Visit Account m"rrato,? bill! nd rte, =. nd more It's your choice - 3 ways to help 2. Call 140001SCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Accourt Manager Please have your Discover Card available. Y°u 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee use your Discover Card with confidence. e P T Dai Dc te Other/Miscellaneous May 23 May 23 OVERUMIT FEE $ 39.00 May 23 May 23 LATE FEE 39.00 Information for You While we are permitted under the Cordmember Agreement to increase doe 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 promotionral 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. Seethe Default Rate Plan section of the Cardmwnber Agreement for details. *w***** ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* 8a1 * * * * * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Important Infannatbn N tare s more Iran one page to this bilhhg sta0.emerd, see the back of each page for addimd important Worms ion. See your CedmemberAgreement. Your Cardm tuber agreement contains al the terns of your Account Lost or stolen cards. Report ownedtately! Call 1.60D-347-2683. Bttmg Rights Summary. In Case of Errors or Questions About You Bill: N you think your bill is wrong, or I you reed more idommation about a transadan on you bit, wile us on a seprme died of paper at Discover, PO Box 3D421. Sak Lake City. UT 84130-0421. as soon as passible. We nest hew from you no later than 60 days aft we sent you to fist bill on which the am or problem appeared. You can telephone nn, but doing so will not preserve your rights- In you letter. give us the blowing informeborc You name and Accent number The dollar amount of the suspected error Describe the error and explain, h you can. why you believe there is an error. N you need more nfomakon, desonbe the gem you are unsure about. You do not have to pay any amount in question while we are invest ga %. but you are still obligated to pay the pads of your bill hat ere not it q moon. Whle we Ynestigale your queston, we crxat report you as delinquent or take any action to collect the amount you question. Special Rate for cre?ak Card Purchases: N you lave a problem with the quality of goods or services tat you purchased with a creels card and you have tried in good %A to correct to proden with the metcha d, you may not lave to pay the renaming arrant due on to goods or services. You ham to promotion only when the purchase price was more tan SW end to puchase was made in you ham side or within 100 miles dyer mating address. (N we own or oprale to merchant, or Awe mailed you Ow admraserhrd for to good or services, al the purchase are covered regardless of the amount or bcakm of to purchase) Payments. Send only you payment and the top portion d the statement in to envelop provided. Do not send ash. By sending you check as described above. you eUlnorae cos to use urination on you dw* to make and electronic turd tia6fa from your amount at to forbad islikdm indicated on you credo or to process the payment as a dwd; transaction. N the payment is processed as an electric fud insider, the tranrer will be for the amore of the code. When we use m1or aim from your dock to make an elecfrrric kid transfer, funds may be withdrawn from your account as sow as he same day we receive you payment. and you will not receive you dad; beck Mora you li andd nsattoon, The prom ng of your payment maybe delayedfyou said castr, correspoixim a rather items with your payment, t you send the payment to any other address or i you use an- envelope other than the one provided. Payments received in proper lam at our prooessahg facility by 5PM local time on any day will be credited to you Ammit as of rid day. Payments received at our processing lucky alter 5PM local tine vii be credited to your Account as alto next day Nyou lave mopleced your erwebpe. send your payment to Discover, PO Box 6103, Card Stream, IL 60197-0103. Please slow 7-10 days for delivery. N your payment is refined unpaid. we reserve to right to resLb* it as an electronic debit. You can pay your miwhwm payment or a greater amount am the telephone, and you can set up auomakc payrwmor Cal its at 1-8004472683. You vii need On statement and your bum; amount itwmebm. You must ensue no sdfrdert krds are available in your bank account, and al kaseclrs must campy with U.S. law. You wit be asked to provide to find 5 digits of you account slalemenl ZIP code. By enlrkg those numbers as you electronic sipalu e, you will be agreeng to this aullaimbon below us and you balk to deduct each permit you authorize from your bank amount. and b rosette debit or credit entries to your bank amount. as applicable, to correct error in it* proesong of such payment You must tell us the swim of each payment, or you can select an amount such as Minimum Payment Due or to New Balance on each statement You can onset a payment, however we rust receive nobw at least three business days n advance o (to sdaduled payment You may itotily to by phone at 1-800-347-2683 or by met at Ire address Load in the previous paragraph. N your payments may very in amount we will tell you on each rmrtYy Ademenl when you payment will be made and low muck N will be. You Automatic payment mom may be less tan he indicated on the madddy statement based on credits or payments applied dueug to billing cycle. Credit Reporting. We may report nfomatron about you accord to credit bureaus. Lae payments, missed payrents, or other delad6 on your attars may be mileded in you credit report . We normally report to 9" and payment h oory of you Accent to reds reporting agrhdes each mash. N you believe that our report a nacaaate or ncmpkls, please ate us at the follova g address: Discover, PO Box 15316. Wilmington, DE 19850-5316. Please node your name, address. home telephone amber and Account nunber. PERIODIC FNANCE CHAGES. Periodic Finance Charges are reposed on all transactions Man to date to trarsabn is posted to your Amount until the data you pay your entire New Balance, by mak ng payments or receiving credits. However, we will provide the following *grace pernd' t you paid to New Belays on your pervious biting statement by he Payment Due Date shown on tat statement. and you pay the New Balance by to Pay ed Due Date on this downed we will and impose Pe odic Finance Changes on row purchases, that is, purchases cast appea rg on gas statement. Otherwise, you will receive a bung statement next month tat includes Periodic France Chagas on hose new purchases. There is no grace period on balance to slers or cash advances. We sod you bansadans into groups of purchases, cash advances, and balance transfers and than further sat the trasaclms wktar each group by their Annual Percentage Rate. For example purchases subjed to a promotional rate arid purchases subject to standard rate would be separate grips. We felt to these groups as Issackm categories, At to end of each tiling priori. we ow" Perodic France Charges for each day of to biting period for each transaction akgo yc We use he Jolow g equ ibon to compute Periodic W each kasacbm category Average Deily Balance x number of days in to billing period x Deily Periodic Rate. (See the irerrce charge summary on you staenrs for terse amounts) Than we add up the Periodic Finance Charges for each transaction category to gel to total Periodic Fnaoe Charges for you Account. The average Oaty Balance is shown as two if, bemuse of to grace period, no Periodic Finance Charges apply to the balance in a transackm Category. We use the Average Daily Balance (including new trersacaens) mated of cda?ha;,t,i,ry ,g the balance upon which we impose Periodic Finance Charges WemmpueteAverage Deily Silence for each trahsaaim category by adding up all he daily balances in e billing period tor a transednn category and dividing the total by the number of days n the billing cycle. We compere the daily balance for each transaction angry on each day by first addling to keibwing to he previous day's day balance, trensa imns made hat day, Los charged that day and Periodic France Charges accrued on that day N a bwmclm is pasted to you Aceotint after to dose alto billing period in which it occurs. we will trail the trasadiw as having occurred w the ist day of the bhwg period in which it is posted to your Accord All fees?}? are added to the standard purchase karsacbon category with the exception of Cash Advance Tra ewbon Fee Finaroe Charges which are added to the appllThansaction category and Balance irssfs Trensaobrn Fee Frraoe Charges vrhdn we added to the applicable balarhce transfer Iersecloth alegry. When the special rate expires, we move the read bala+ce d to balance Maser and the Bdaoe Trarder Transaction Fee France Charges to the standard purchase transaction ategay Iiovrever, d for special roe has been tenaneed under the Default Rate Plan, we leave to unpaid balance of to balance bahdr and to Balance Trends TrasaCbon Foe France Charges in the applicable transaction category until the special tale would have expired For TDD (Telecomrwdcatim Device for the Deal) assistance, cat 1404347.7449. Discover may monitor anduor record telephone calls between you and Oscovr representatives for quality assraoe purposes The Discover' cad is issued by Discover Bank, Member FDIC. OITBKI07 DISCOVER It pays to HIXSON, JOSEPH IMMER Account number ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You II also be helping yourself to 24 months of password-prolected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. Cr2010 Disco.w Bank, Member FDIC Mal PPRGRN.OB10 Closing Date: May 23, 2006 page 2 of 2 i Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic FMCENTAGE PERCENTAGE FI t1NANCE Bakinc es Rates RATES RATES CHMGES current billing period: 30 days Purchases $2730.54 0.07600% 27.74% V 27.74% $62.23 $0 Cash Advances $O 0.07600% 27.74% V 27.74% $O $O The rates that apply to your Account am either fixed (F) or they may vary NI as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1.800-347-2683). 8458833 DISCOVER New Balance Minimum Payment Due! $2,695.74 $57.00 Payment Due Daft July 22, 2006 23 SDSNSA01 0007621 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Account Number ending in 4075 Enter Amount Enclosed Below Please make check pro to Discover Card. You are overlimt. Pay the sum of the monthly minimum payment plus the ovedimit amount of $395.74. Go paperless and make yatrr account information more secure wilt passvwrd- protected statements only you can access. Learn more at discover comtpoperless. PO BOX 71084 Ill 191111119111111111111111811 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Inlr?ln?nn?nllnr?u?r?nrllllnnlululullulululrlnl) above, or go to Discova.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235026957400000000005700 Discover Card Account Summary Account number ending in 4075 Payment Due Date July 22, 2006 Minimum Payment Due $57.00 Credit limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 Closing Date: June 23, 2006 page 1 of 1 Previous Balance $2,840.83 Payments And Credits 236.00 Purchases + 49.00 Cash Advances + 0.00 Balance Transfers + 0.00 Fiance Charges + 41.91 New Balance = :2,695.74 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Boinuse Opening Cashback Bonus Balance $ 1.55 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance s 1.55 -CaAbock Bores Anniversary Month: December Cashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashback Bonus on Get More purchases in popular categorrss throughout the year and up to 1 % Cash back Bonus on all your other purchases. How Can We Help You? I Vise Di"e"erAem to pay year bill for no `e* =and latest Account infonmahon, earn and redearn more It's your choice - 3 ways to help 2. Call 1-800-0ISCOVER (347-2683) for Fast, easy sAservice options or to speak with a Customer Service Account Manager Please hwe Discover Card available. your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sal Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Daave Payments and Credits Jun 8 Jun 8 PHONE PAYMENT THANK YOU $ -236.00 Other/Miscellaneous Jun 8 Jun 8 PAY BY PHONE PROCESSING FEE DBT 10.00 Jun 23 Jun 23 OVERUMIT FEE 39.00 MA% Charge Summary Nominal Transaction Av . e Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNANCE FNAMcE Bold es Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2744.84 0.04929% 17.99% F 17.99% $41.91 $0 Cash Advances $0 0.04929% 17.99% F 17.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Importard Marmation. 99tae is more than one page to his billing statement, see the back of each page for additional Piportant nkrination. See your Cudmember Agreement. Your Cardmember agreemerd wxdais all the terms of your Account. Last or soolm cards. Report immediately! Cat 14IW347-2683. BUN" Rights Saanxy. In Case of Erma or Questions About You Bill: If you think your bill is wrorq or if you need more i/amalion about a transaction on yaw thi, write us on a separate sheet of paper at Discover. PO Bon 30421. Sag Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days al er we sent you Ili first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your riffs. In your law. give us he ktlowimg irformatiore Your creme and Account number The doter arno nt of the suspected apron Describe the error and explan. if you can, why you believe tore s an error. If you need more inlonnat on, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, bud you are still obligated to pay the parts of your bill tall are rod in question V&k we nvestigole your questoi. we cannot report you as dWv q cot or lake any action to eotlecl the amort you ilueston. Special Rate for Credit Card Punctuates- 9you have a problem wit the quality of goods or services #0 you purchased with a credit card and you have tried is, good teilh to coned the problem with the merchant, you may not hove to pay the remaining amount due on the goods or services. You have this protection only when the purchase p coo was more front $50 and the purchase was made in your horns state or within 100 miles of your moft address. (9 we own or operate the merchant, or if we mated you the advertisement k r the good or sain oes, all the purchase are oovered regardless of to amarnt or location of the purchase.) Payments. Send only your payment and the top portion d the statement in the erwebp provided. Do not send cash. By serdirg your dock as descbed above, you su doom us to use wtormatim on your dede to make and electronic; fend transfer from your aaant at tine financial institution indicated on your check or to process the payahent as a died transaction. 9 the payment s processed as an electronic krhd transfer, the transfer will be for the armed of the chedL When we use itermabon km your check to make an electronic fad transfer, finds may be withdrawn from your accord as soon as the sere day we receive your payment, and you will not receive your bled back tom your faanaal inslhtAorh. The processing dyer poymem maybe Me* it you send cash, conespondence orvtherVems with your payment, f you sad the payment to any other address (a if you use an envelope other than the are provided. Payments removed in proper form at our processwg facility by 5PM local time on any day will be credited to your Aooout as of tut day. Payments received at our processing facility after 5PM local vne will be credited b yaaAccaud as cite next day 9 you Mae misplaced your envelope, send your payment to Discover, PO Box 6103: Card Stream, d 60197-6103. Please allow 7-10 days for delivery. 9 you payment is returned unpaid, we reserve der right to reading it as an electronic debit You can pay your minimum payment or a Wester amount over the telephone, and you can ad up ouromaYC peyinerb Cal to d 1-01 01172683. You will need tlisslalernnem and your bads account nfom ishon. You must ensure #0 suf6mor t kinds are available in your bent account, and at transecUare must owply with U.S. law. You will be asked to provide the fat 5 digits of you amount stalemeM ZIP code. By an" terse numbers as your d doinic signature. you will be agreeing b his arMmaimhion to allow on and your bank b deduct each psyment you authorize mom your bank account, and to ashore debit at oredd entries to your bate account, as applicable, to cared error in the pnoca.rg of such payment You must let us be amound of each payment, or you can sekxt an amwm such as firhinwrn Payment Due or to New Balance on each sidermal. You can conical a payment however we must receive notice at lead tree business days in advance of to scheduled psymert You may roily us by pane at 144347-2683 or by mail at the address listed in the previous paragraph. It your payments; may very in mount we will Id you on each monthly statement when your payment will be made and hoer much t will be. Yom Automatic payment amazed may be less Overt the indicated on the monity statement based an aedts or peynhents applied drug the billing aide. Cred't Reporting. We may report wfametiah about you account to credit bursas. Late paymhetts. missed payments. or oiler defahs on your accom may be relliaded in you dredd report. We nonraty report the status and payment history of you Accourd to credit feporirg agencies each monk 9 you bake, tut our report is nacarals a ncomplde. pease rote us at the following address: Discover. PO Box 15316. Wdrrrgtat, DE 19850.5316. Please include your none, address, hone lelep ow amber and Amerrd number. PERIODIC FROXCE CHAGES. Periodic France Charges are imposed on at transaction from the dale the trasadion is posted to your Amount until the dole you pay your entire New Balance, by making payments or race" credits. However, we will provide the followng "grace period' 9 you paid the New Balance an your pervious biting statement by the Payment Due Date shown on that saakmonnt, and you pay the New Balance by the Payment Due Dole an this statement we will not impose Penodc Fnaoce Charges on row purchases. that is, purchases tat appearing on this statement Otherwise. you will receive a billing statement next m onln Oat includes Periodic Finance Charges on those new purchases. There is ra grace period on balance boosters or cash advonees. We sat your transactions to groups of purchases, cash alvarhoes, and balance trahslers end ten further sat On ko sacl os within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate arid purchases subject to standard role would be separate grails. We refer to these groups as transaction categories. At the end of each bang period. we c mpulet Periodic Finance Charges tar each day of to biting period br each trmsadon category We use the fotowtg euyualiah to compute Periodic for each transaction category. Average Daly Balance x amber at days in the billing period x Daily Periodic Rork. (See the mace charge summery an you statement for few amounts ) Then we add up the Periodic Finance Charges for each transaction category to get the ON Peradc France Changes for yea Account. The average Daily Balance is dawn as zero if, because of the grew: peiock no Pam& Finance Charges apply to the balance in a tansadtim category. We use the Average Daily Balance including new transactions) meted of ralculaing the balance upon which we impose Periodic Finance Charges. We compute that Average Daly Balance for each transaction category by adding up d the dedy bela noes in a biting period for a basectiot category and dhwdi g the total by the comber of days in on biting cycle. We compute the defy balance for each transaction category on each day by first adding the following to to lxwvous day's daily balance. transactions made that day, lees charged tot day and Periodic Fine =Gorges ao=W on that day 9 a taasacbon is posted to your Account after Me close of to billing period in which it occurs, we will treat the transaction as having occurred an the ird day d the billing period in which it is posed to your Account. All fees l??mM ere added b the standard purcrese transaction category wi9t the exception d Caste Advance Tansadim Fes Fierce Chagas whlich ere added b the dIPCe trarseckon cakgay ad Balanx Tansfer Tarsactim Fee Fnerhoe Ganges wfudn are added to t!k appkceltelo??o? harmlertarsadonhcategory. When the spatial rate espies, core move the utpeid baterhce d ilk lnelanoe tanhsier and the Balarxbe Treater Transaction Fee France Charges b the stervdad pucMae o-ansadan colegory. tfowava, f le special rate has been terrrirhaled under tle Defanil Role Plan, we kavw the unpaid balance d tle batwhca trermsfa and the Balerae Trersfer Trermsacierr Fee Fvrence Charges n the applicable tiansacon categag rhhl to spread oak world have expired. For TDO (Telecommunications Device for the Dal) assistance, call 14KWU7-7449. Discover may montor andfon record Wephon s calls between you and Discover mpresertalves for qj&* assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER $$2 ?;d 23 SDSN6AOt 0007622 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $55.00 Enter Amount Enclosed Below Payment Due Date $ 71 August 22, 2006 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the overlimit amount of =384.16. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercomfpaperiess. PO BOX 71084 Ill. 11111 IN Billie 11111111 1 11 CHARLOTTE NC 28272-1084 Address,e-rrwilortelephone change? Print change in space IrrlrllrJrrrlrllrrrlrrlrlrrrllllrrrlrrlrJrrilrrlrrlrrlrlrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645899966823S026841600000000005500 Discover Card Account Summary Account number ending in 4075 Payment Due Date August 22, 2006 Minimum Payment Due $55.00 Credit limit $2,300.00 Credit Available $0.00 Cash Credit limit $1,200.00 Cash Credit Available $0.00 Closing Dote: July 23, 2006 page 1 of 1 Previous Balance $2,695.74 Payments And Credits 100.00 Purchases + 49.00 Cash Advances + 0.00 Balance Transfers + 0.00 Frnance gnages + 39A2 New Balance -= $2,684.16 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonus! Opening Cashbock Boras Balance $ 1.55 New C ishbock Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 -Cas 1x ck1 arfwWAnniversary Month: December Cashback BonUS(R) is America's #11 Cash Rewards ProgramI Full 5% Cashbock Bonus on Get More purchases in popular categories throughout the year and up to I% Cashbock Bonus on all your other purchases. How Can We Help You? ' Visit AAcccountinformation, Ana ire„rd?°and more iodese, It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager d available. Please have your Discover Card . Write us at Discover Card, PO Box 30943, TDD (assistance for hearing impaired) see reverse side i Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. D te ate Payments and Credits Jul 8 Jul 8 PHONE PAYMENT THANK YOU $ 100.00 Odd/MisceNarrelus Jul 8 Jul 8 PAY BY PHONE PROCESSING FEE DST 10.00 Jul 23 Jul 23 OVERUMIT FEE 39.00 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE F04ANCE Ba Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2666.89 0.04929% 17.99% F 17.99% $39.42 $0 Cash Advances $0 0.04929% 17.99% F 17.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. 6nporhnt Information. If there is more Men one page to On biting statement, we the bad of each page for additional important nfmnabon. See your Cardmimber Agreement Your Cardnember agreement contains all tie terns of your Amen Lost or stolen cords. Report invmediatelyl Cal 1800347.2663. Billing Rights Summery. In Case of Errors or Questions Abort Your Bit: O you Mnk your bit is wrong, or tyou need more kdamation about a trarsettim on your bfl, writs us on a separate sheet of paper at Discover. PO Box 30421, Sell Lake City, UT 61130-0421. as soon as possible. We must bear ban you no later than 60 days der we sent you tie first hill on Mich the era or problem appeared. You can telephone us, but doing so will not preserve your rights- In your labor, give us the following information: Your nerve and Ascent number The dollar amourt of the suspected aims Describe the error and explain. d you can, why you believe there is an ens. If you need more ddortrefon, describe to tan you are enure about You d0 rid have to pay any amountn question wh6e we are investigating, lout youare sflaNgeled to pay the parts of your bill Out we i is sh question. VW* we nveskgate yo r--. question, we cannot report you as defingemt or take any action to collect tine amard you question. Special Rate for Credit Card Purchases: ft you have a pmblan with the gushy of goods or services Oat you purchased with a credit cord aid you (an mad in good letth b correct to problem with the macant. you may not have to pay /e remeiiig amorndee on the goods or services. You have ft pntecbon ably when tie purchase pia ryes moro rim $W and the p ffdmo was trade n you have sots a w thin 100 roles d your meip address- (K we own or operate the merchant, or dive meted you the adverYsatnhendfor the good or services, bl the purchase are covered regardless of the amount or location of the purchase.) Payment. Send aty your payn ent and the top portion of No statement m the awebp provided. Do not send ash. By sending you chheck as described above. you aAnaius to use information on you cad to make and electronic kind transfer from your amount at the financial irmlaAm indicated on your cad or to process the payment as a check transaction. N the payment a processed as an eleckow kind taster, the tronsla roil be for the arrant dthe dad. Whm we use information from yaw deer to mekeam electronic kind trawler, kinds may bewitidrawn from your account as soon as the sane day we receive your payment, and you will not receive you dark bad from yaw financial tWUUOn. The processing otyour payment maybe delayed dyoa send cash, caresporden ce orother am with yaw payrrert, dyouserd tiapyment to any oOreraddess ortyWuse an envelope other than the one provided. Payments roomed in proper form at our processing bafity, by 5PM local lima on any day wit be credited to your Amount as of to day. Payees received at our proossi g ballyr after 5PM local pea will be rredted b yaw Acoard as of Oe rail day If you have misplaced your envelope, sent your payment to Discover, PO Boa 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery. M yaw payment is reburied unpaid, we reserve the right to rsnhrd d as an electronic debt You can pay your nummum payment or a greater arrout over the telephone, and you can set up auanek payments Cal us at 18003472683. You will need do statement and your tank amount information. You must osue that sufficient It" are and" in your bank account. and d transactions must e0mptywith U.S. ION. YOU will be asked b provide On lest 5 dgb of you acoast stelerraM 23P code. By rx" those mmbers as your dedione: sigmskee, you wil be agreeing to to a dionzaion to blow us and your bat to deduct each payment you auhaae ken your bank acmurt, and to niece debA or credit mitres to your belt acawd, as applicable, to caned error in the pmaseng dash payment You must tell us to smart of each payment, of you can select an amount such as MYrnum Payment Due or Vie New Balance an each statement. You can cancel a payment, however we must recom notice at least three lunown days in advance of the scheduled pay neri You may nobly us by phase at 1804347-M or by mail at to address listed in the previous paragraph- K your paymerds may vary in amount we will bl you an each nvrA* statement when your payment will be made and how mach A will be. Your Autombe payment anent may be less Oar der indicated on to monthly statement based an credits or payments applied during the biting cycle. Credit Reporting. We may report information about yaw account to credit buass. Late payments, missed payments, or otter dekx& an your acoud may be reflected in your aerkt repot. We normally report to "A and payment histay of your Accent to credit reporting agencies each mach. R you believe that our report is inaccurate or incomplete, please wide us at the following address: Discover, PO Bur 15316, WdmingWn, DE 198545316. Plisse ndde your name, address, home Wephmne number and Amount amber. PERIODIC FINANCE CHAGES. Pe iodic Fiance Ch&W are imposed on al transactions ban tie dale the transaction is posted to your Account until the dab you pay yaw acre New Balance, by making paymerits or receiving credits. However, we will provide the btlowing-grace pariodIf you pad to New Bal ance on your pervious bins statement by the Payment Due Dote shown on tifat Moment. and you pay the New Balance by time Payment Due Dab an this statement we vw7 nit impose Periodic F" Charges an new purchases, that is, purchases fist appearing on #a statement Otherwise, you will receive a bang skahenrne t next month Mal includes Periodic Finance Charges an those new purcJases. There is no grace period on balance tasters or ash advances. We sat you bansachons into gmaps of purchases, ash advances, and balance tranalers and can further sat the transactions within each group by th arAmuel Facenage !fate. For exio ple purchases, subject to a promotional nab and purchases sbjed to standard role ward be separate groups- We refer to ten gmvps astrisection akgmm At the end of each bung period. we ampule Periodic Finance Chases for each day of to biting paced for each transaction category. We use toe idowg egusion to ampule Periodic for each trarsacbm category. Average Daly Balance x number of days in the illmil period x Oaiy Periodic Rate. (See the lance charge summary on your spbmaM for thew aniou ts.) Then we add up the Periodic France Charges for each transaction category to get the total Pe odic Finance Charges for your Amount, The average Daily Balance a shown as zero A, because of the grace period, no Periodic Fiance Charges apply to the balance in a Vivisection category. We use the Average Daly Balo noe including new bmnsactros) method of calatairp der balance upon which we impose Pariadc Finance Chases. We ample McAverage Daly Balance la each barsoctian category by addrg up bl the daffy belai des in a billing period for a transaction category end dvidag the tai by the number of days in ft lefng aide. We comp le the daily balance for each iansamon category on each day by Est addig to following b the previous days defy bears, tra sacko s made Mat day, fees dhagW that day end Periodic Finance Charges accrued on Mat day If a taaaction is plated to you Acmu t after der dxse of d% baling period n which h occurs, wowil treat the bansaction as haws occwed ontla first dry d the biting period n which t is Posted b ya?AaawhL Al unt are added to tine sfaderd prcese trssactim category with Me exception of Cash Advance Trasacbm Fee Finance Gorges whiff are added to tlhe see bmsckon category and Balance Transfer Transaction Fee Pianos Gorges which we added to the applicable bob= baaster ktaeactroa category. When the special rate expire, we move the unpaid balance of the balance transfer and tie Balance Trash Transaction Fee Finns Charges to On standard poichese transaction categiory. However, it fie spacial rate has been terminated under the Defall Rate Plan, we leave the unpaid balance of the balance ba isfer and the Balance Transfer Transaction Fee France Charges in the applicable kasediah category will to special rate ward have expired. For TDD (Telecommu icstions Device for the Ono assistance, call 1x04347-7449. Discover may monition andfa record telephone ads between you and Discover repesemhldves for quality aissurac, purposes The Disovera card is issued by Discover Beale, MerMer FDIC. OITBK107 New Balance VER DISC Minimum Payment Due Account Number ending in 4075 d l l $2,673.73 C $56.00 Be Enter Amount Enc ose ow Payment Due Date $ 1 September 22, 2006 Please make check payable to Discover Card. P f h y the sum o t e mord* You are overlimit. a minimum payment plus the overlimit amount of 5373.73. 23 SDSN6M1 0007623 paperless "ay°Uf account HIXSON, JOSEPH information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discovercomipaperless. PO BOX 71084 IIIunllunrlalullulalal CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrlrllnrlaarlrllrrrlrelrlnerllllrrrlrrlerlrrllralrrlrrl,lrnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235026737300100000005600 Discover Card Account Summary Account number ending in 4075 Payment Due Date September 22, 2006 Minimum Payment Due $56.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 _ Closing Date: August 23, 2006 page 1 of 1 Previous Balance $2,684.16 Payments And Credits 100.00 Purchases + 49.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 40.57 New Balance $2,673.73 You may be able to avoid Period ic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbadc Bonus Balance $ 1.55 New Cashbadc Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 Cashback Sonus® Anniversary Month: December Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashback Bonus on Get More purchases in poplar categories 11% C h d hb k up to as ac throughout t e year an Bonus on all your other purchases. How Can We Help You7 . 1 Visit Discovercoan to pay your bil for no cost , vrew your krtest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manage P6 we have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired} we reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability/ Guarantee Use your Discover Card with confidence. Trens. Post Deft Payments and Credits Aug 8 Aug 8 PAYMENT THANK YOU $ 100.00 0Iher/Miscellaneous Aug 8 Aug 8 PAY BY PHONE PROCESSING FEE DBT 10.00 Aug 23 Aug 23 OVERLIMIT FEE 39.00 q4A" Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Da,dy tc t R C A es Boldnce s Rat A RATES current billing period: 31 days Purchases $2657.46 0.04929% 17.99% F 17.99% $40.57 $O Cash Advances $0 0.04929% 17.99% F 17.99% $O $O The rates that apply to your Accourt are either fixed (F) or they may vary M as noted above. Important InkxmntW. If there is more lien one page to this billing staternerrL see tie bade of each page for additional Important irdonrialan. See your Cardmernber Agreement Your Cardmember agreement contains all the terms of your Accent Lost or stolen cards. Report immedialely! Call 1-8W-347-2683. Billing Rights Summery. In Case of Eras or Questions Abort Your 84: If you link your bill is Wong, or 4 you need more tr4 rnrabon about a transaction an your bill, write us on a separate street of papa at Discover. PO Box 30421. Salt Lake Cty, UT 84130-0421, as soar as possible. We must hear from you no der then 60 days aft we sent you the fret bill on which the error or problem appeared. You can telepfwrhe us, bur doing so will not preserve you rights . In your teller, give its the fallowing information: Your name and Account nsrMer The dollar amount of the suspected errs Describe the error and explain, it you can, why you believe these is an error. K you reed more Wometron, describe the item you are unsure about. You do not thieve to pay any amount in question while we are invesigabrV, hurl you axe all obligated to pay to pale of your bill to we not in question While we inesigeee your question, we carat report you as ddipuenf or take any action to coled to aratua you question- Special Rate for Credit Card Purchases: If you have a problem witlh to quality of goods or services met you pure asad with aas& card and you have triad in good bidh to correct the problem with the merchant, you may not have to pay the mum" amount due on Ite goods or services. You have his protection only when the pudhese price was more ten SW and the purchase was made n you horns state of within 100 miles of your mailing address. (1 we own or operate the merchant or it we mailed you the advai sementfor the good or services, all the purchase are covered regadess of the amount or loceborn of she Pxc hese.) Payments. Send only your payment and the top potion of the statement in the envelop provided- Do not said ash. By serhdnrg your d" as described ebow, you aulha¢e us to use inkxmation on you deck to make and electronic fund hBnLSter from your account at the financial int iAOn ideated an you died or o pnocoss the payment as a deco transaction If the payment is processed as an elections: fund transfer, the transfer VA be for the amount of the d1eclC When we use information from your cock to make an elecram lend transfer, hinds may be withdrawn from your account as soon as to same day we Moane your payment and you vri notrecewe you d" bech *an your financial nsiblubm The formssing of you payment maybe delayed ty-send -aft, correspondence DrDlfi r items with your psyment, f you send the permit to any other address or if you use an envelope other than the one loovded. Payments tecewed in paper form at our processing (aalily, by 5PM local fine an any day will be credited to your Accord as of 1hd day. Payments received at our pooessrg facility after 5PM local time will be credted to your Acrount as die nod dry. t you have misplaced your envelope, send your ferymerd to Discover, PO Box 6103, Cad Stream, IL 601974103. Please slow 7-10 days for delivery. I your payment is returned unpaid, we reserve the right to resubmit it as an electronic &bit You can prey your minimmm payment of a greater a dual over the kleplane, and you can Set tip aiforria0G pnprheri t Cal us at 14"72683. You will need In atosmart and your bank account nfon o w. You coat am= dW sulfdad kends are available in your bank acootm. and all transactions must comply with U.S. law. You fall be asbad to prmde the lest 5 digits of you account slatemet ZP oode. By entering terse numbers as your electarc sighokae, you will be agreeing to his eutna¢alim ID dove us end your bank b deduct each payment you authorize from your balk accord. and to m t %debit or credit entries to your barb account as applicable, In cored error in the processing of such payment You mat tsl its the artaont of each paymad. or you can soled an amount such as Minimum Psynhert Due or lha New Balance an each swila ert You an cancel e payment however we must receive rata at feast tlxee business days in advance of In adnedlled payment You may ndfy in by plhorhe at 14M347-2683 or by mail at M address bated in the previous paragraph- t you payments may very in araut we will tel you on each moaWy statement when you payrnad will be made and how much it will be. You Automatic payment amount may be less then the indicated on the monthly statement based on credits or payments; applied dung the filling cycle. Credit Reporting. We may report nfonnation abort your accord to credit bureaus. Late payments, missed payments, or other delaWh on your account may be reflected in you credit repot. We normally report too" and payment history of your Accanto credit repaing agencies each ina dlt 1 youbefieve that our tapatt is rAcarrete a ihcotrtptete. please while it. atthe lolowog address Discover. PO Box 15316, ftni gton, DE 19650.5316. Please include your name, address, torte telephone number ardAccouut number. PERIODIC FINANCE CHAGES. Periodic Finance Chagas we imposed on all transactions from Ire dale She transaction is posted to your Account until the dale you pay your acne Now Balance, by malu g payments or receiving credits. However, we will provide the following 'pace Period' If you pad to Now Balance on your perviars bltag statement by to Payment No Date shown on that statement and you pay the New Balance by the Payment Due Date on to statement we will not impose Periodic Fiis Charges on new purchases. that is, purchases first appeamig on this statement. Otherwise. you will receive a bill g statement red month Sat includes Pervade Fiance Charges an terse new purchases. There is rho grace period on balance trarsfers or cash advances. We sat your transactions into groups of purchases, cash advances, and balahce Insiders and tree further sat tie' arsetJtors within each group by their Annual Paramtege Rafe. For example purchases subjW to a pronatarel rate and pudases subject to standard cots would be separate groups. We false to these grays as transaction categories As the end death bfhng period. we computk Perodic Finance Charges fa each day of the bhtxhg period for each ransecim category. We use to following equation to oarpule Panda for each transaction category. Average Defy Balance x number of days in the billing period x Daily Periodic Rate. (See the ivence charge summary on your sbamhaut for tole amorots.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges or your Account The average Daily Balance is shown as zero it. because of the grace period. no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (ndudng new transactions) method of calculating the balance upon which we impose Periodic Fihanae Charges Wes oompuls the Average Day Batancce for each tronsaclnon calegayby adding up all the defy balances in a bong period for a transaction category and dnidrg the teed by the rerhhber of days in to big cycle. ft compute the daily balance for each transaction category on each day by first adding the following to the pnewus days dalyy balance. kramatiors made td ft fees charged tut day and Peroddc France Charges scorned at tag day to transaction is posted to your Account ate the, dose of the billing period n which d occurs, we will rat the transaction as having occurred on the first day of the biting period n which d is posted to yourAccoad. AN fees I Wad are added to the staflard purchase transaction category with the exception of Cash Adva ce Transaction Fee Fnence Changes which we added to the Aloe transaction category and Balance Transfer Transaction Fee Few= gorges which are added o to appicede belernoe iaskr trarssc. category. Vier the special rote expires, we move the unpaid balance ofto balance transfer and the Balance Transfer Traseclon Fee Fees Charges o the sterdard puese is selim category However. if the special rate has been laminated under to Default Rate Plan, we teave the upaid balance of the balance transfer ad the Balance Trasfer Transaction Fee F nonce Charges in the applicable transaction category until to special rate would have enteed. For TOD (Telecommunications Device for the Deaf) assistance, call 1-OW347.7449. Discover may mentor and/or record faleplhahe calls between you and Discover representatives or quality assurance purposes The Discover' card is issued by Discover Beni:, Member FDIC. OITBK107 Now 2 6634 23 SDSNSAOI0007624 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $56.00 Enter Amount Enclosed Below Payment Due Date $ October 22, 2006 Please make check payable to Discover Card. You are overlimit. oy t4 sum of the monthly minimum payment plus the ovedimit amount of $363.14. Go paperless and make your account information more secure witll password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Illrrrll"rsrlrlrrll"I'I'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space Il11111[rlrrrlllItgill altl.rrllllrulnlt/lr,llulrrlrrlllrtl1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235026631400100000005600 Discover Card Account Summary Closing Date: September 23, 2006 page l of 2 Account number ending in 4075 Previous Balance $2,673.73 Payment Due Date October 22, 2006 Payments And Credits 100.00 Minimum Payment Due $56.00 Purchases + 49.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $1,200.00 ance aarges F n + 40.41 C ash Credit Available _ $0.00 _ _ New Balance - $2,663.14 You may be able to avoid Periodic Finance Charges, no the reverse side for details. Cashback BonuSe Opening Cashbock Bonus Balance $ 1.55 New Cashbock Bonus This Period + 0.00 Cashbook Bonus Balance $ 155 Cashback Bonus® Anniversary Month: December Cashback Bonus(R) is America's #1 Cash Rewards Program[ Full 5%Cashbock Bonus on Get More purchases in popular categories throughout the yew and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? ' Visit a"?tinnfformm?I your g bill a rfor edeem 11 VW you' latest ds and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager our Discover Card available. Please have y . Write us at Discover Card, PO Box 30943, 3 For TDD (assistance for hearing see reverse side impaired) Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dais Data Payments and Credits Sep 8 Sep 8 PAYMENT THANK YOU $ 100.00 01hsr/Miscellaraous Sep 8 Sep 8 PAY BY PHONE PROCESSING FEE DBT 10.00 Sep 23 Sep 23 OVERUMIT FEE 39.00 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation form for your Scheduled Air Insurance has charged. The new T? address is AIG Accident & Health Division, 300 South Riverside Plena, , C icogo, , Illinois 60606-6613. Shop confidently. Your Discover(R) Card has you covered with Complete fraud Protection for your peace of mind. With our advanced fraud warnings, we'll call you right away if there's unusual activity on your account. And if someone makes fraudulent charges with your card, our $0 fraud liability guarantee means you're not responsible. knrpwW kilonnadon. H there is more than one page to this burg Adernent see the back of each page b add6onel important nformabon See your Cardmernhar Agreement Your Cardmember agreement contains all the Films of your Account. Lost or ablen cards. Report immediately! Cat 149&347-IM. SRI" Rights Summary. in Case of Enors or OuestiorsAbout You Bbl: Uyou Birk your bil is wrong, or d you need more information about a transaction an your bill, write us on a seperate sbeetof paper at Discover PO Box 30421. Sat Lake Ciy, UT 84130-0421, as soon as possible. We must hew from you no later than 60 days after we sent you the IN bill on which to error or problem appeared. You can telephone us, bug doing so will not preserve your rights. In your letter. give us the blowing nbrmabon: You none and Account number The dolor anhou t of tre suspected error Describe the error and explain. R you can. why you believe there is an error Ryou need more idamatian, describe tea item you are unsure about You kb not (hove to pay any amord in quesbm while we are i vestigi ft bet you we 541 d6gded to pay the parts of you bit het are not in ghasAOn. YNda we evesigale your quesaw we carrot report you as dehrquwa or take engr action to dolect tie amount you ghaseen Spacial Rde for Credit Card purchases: R you have a problem with, t to quality of goods or services that you purchased with a credit card and you have Wed in god laAn to cored top "a, with the merchant you may net have to pay the rernaihig smut due on to goods or services. You have his protection only when On puduee price was more than $50 and the purchase was made in you hone stale or within 100 miss of yourr mairg address. (R we own or operate the merchant, or itwe nailed you tle advwesenhwd far to good or services, all the pudese we covered regerAess of the amoart or location of the purchase.) Payrnerrte. Said orgy your payment and the lop portion at the statement in the amvafap provided. Do not send cash By sending you check as described above. you authom us to use ikennvii m your deck to make and electronic, Jud ka referfran you accent at to linericial isdWion indicated on your deck or to process to payrerd as a died transaction. 9to payment s processed as an electronic cud transfer, the tarsier will be for to amount of to shed. When we use edormatim from you deck to make an elwAaic kind transkr, kinds may be withdrawn kin you aoxurg as som as thesame day we receive you psyrned, and you aril not receive you deck beds kin your fnwhdal mshhow The processing of your payment maybe delayed if you send cash, carestiordenoe or other gems will you payment. it you send the payment to any other address or if you use an envelope am than the one provided. Payments received n proper bosh of our processing facility by 5PM local time, on any day will be credited to your Accont as of tat day. Payer received at out Moen" (edity after 5PM local am will be cradled to your Account as of the next day R you have misplaced you envelope. send yarn payment to Discover PO Box 6103, Card Stream. R- 601978103 Planes slow 7-10 days for delivery. R you payment is reserved unpaid, we reserve tle right to resubi it g as an electronic debit You can pay your mimsan payrnerd or a greater amwag over to blaphoe, and you can set up agonaec peynaNS. Cal us at 1800.3472683. You will need this statement and your bank account information. You rant ensue tat sidli iemt lads we available in you bank aomut, and all transactions must comply with U.S. law. You will be asked to provide the fist 5 dggs of you account sale end ZIP code. By entering tore raanbens as you ekwgarec sigatue. you will be agreeing to this autlenimbon In allow us aid you bark to deduct each payment you attioeze from you bank amount, and b ihA debit a credit ehkies b yar bank somug, as applicabla, b coned error in fhe processeg latch payment. You mslid us the arecist of each payment or you can salad an amount such as Warman Payment Due or the New Balance on each didemer t You an cancel e payment, howeverwe msl receive noticed least free buaiess days n adrana of the scheduled Perot You may noblyus by phone at 1-800-347-2683 ar by mat d to address listed in to previous paragraph 11 your payments my very in anoug we will tell you on each monthly statement when your payment will be made ad how much it aril be. You Aubnutic payment amount may be less tan tie indicated an to moMdy stdwnarg based on credits or payments applied drag to big cycle. Credit Reporting. We may report i fomhation about you account b awls bureaus. We payments. missed payments. or other dellaus on yor accoug may be retailed in you credit report. We normally report the ddws and pay rient hadoy of you Account b credit reporting agencies each month. R you believe that am report is tact rile or nmmplele. please write us at the fllowng address: Discover PO Box 15316, M irgbn. DE 19850-5316. Please include your name. address, home telephone number and Account number. PERIODIC FINANCE CNAGES. Periodic Finance Charges are inposed m all transactions from the date the transaction is posted b your Account ur" the deb you prey you enure New Balance, by making payments or receiving credits. However, we will provide the following -grace period' R you paid too New Belence on your perviws big statement by the Payment Due late shown on did statement, and you pay to New Balarice by to Payment Due Data on this sMwnrent we will not brnpose Periodic Fiance Charges on new purchases, that's, pudaim fad appearing on On statement Otherwise. you will receive a big sakment next month that nchdes Periodic Fiance Charges an those new purchases. There is no gram period on balance hushes or cash advances. We sat your ha samors two groups of purchases, ash advances, and balance tra steps and ten liter sort to traraediors witwv each group by their Annual Percentage Rate. For exarrple purchases subjed b a promotional rate and piss ases su *d to standard rate would be separate groups. We refer to tese groups as transaction, categories. At On end of each billing period, we oompute Per odic Finance Charges b each day of to telling period for each kansadgn category. We use to Jolkiwing egkabm b compute Periodic for each transaction category Average Day Btiaroe x number at days in the h(rg period x Daly Periodic Rate. (See the finance charge summry on you statement b these amours.) Than we add up the Periodic Finance Chagea beach transaction category to get the teal Perodic Fiance Charges for your Account The average Defy Balance is shown as zero d, because of the grace period. no Pa o& Finance Charges apply to tla balance in a transaction category . We use to Average Duly Balance (ndudng new transactions) rte" of calculating the balance upm which we impose Periodic Finance Charges. We conpude the Average Daily Balance its each transaction category by adding up all to deny balances in a big period for a transaction category aid dividing the btu by the numbs of days in to biting cycle. We corngde the dairy balance for each transaction, cafe" on each day by first adding to flowing to the previous stays daily balance, Imsact rs made that days, fees charged that day and Periodic Finance Charges accrued on that day. R a transaction is posted b your Amount after to dose of to big period in which it occurs, we well beat to transaction as hang occurred an to id day of to billing period in which u is posted to your Account. M t?AocmM are added to to standard pudase trwhatdm category with to exception of Cash Advance Transaction Fee Finance Ctwgas which are added to the Cana transacbm category and Buena Transfer Trasamon Fee Fiance Charges which we added to to appic" balance travelrvamactim category. When the special rate expires. we move be upeid balance d to balance transfer ad to Balance Tra sfa Transaction Fee Finance Charges b to ceded purchase transaction category. However. ilrie special rate has been termi led under to Defatk Rate Plan, we leave the unpaid balance of to balance transfer and eta Balance Traveler Transaction Fee Fgar ce Charges in the applicable tramsedion category ugi to special rate would have expired For TDD (Teleeomnaadatfons Device for the Deaf) assistance, cat 1400.947-7449. Discover may morda adbr record telephone cats between you and Discover representatives for quality assurance purposes The Discover" card s issued by Discover Bank, Member FDIC. OlTBK107 DISCOVER -- It pays 10 - HIXSON, JOSEPH -- i Account number ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 monde of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Wisci:w.com/paperiless and sign up for Paperless Statements today. 62010 Disco Bank, Mmiba FDIC PPRGRN.0810 Closing Date: September 23, 2006 page 2 of 2 44AW Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic ' Fee Bo a 6dic at AGE sE FINANCE ?At F94ANCE o Bl nees Ra tess RATES RAAT CHARGE CHARGES current billing period: 31 days Purchases $2646.95 0.04929% 17.99% F 17.99% $40.41 $0 Cash Advances $0 0.04929% 17.99% F 17.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Dimemer.com or call 1-800-DISCOVER (1-800-347-2683. 8458833 New Balance DISCOVER Minimum Payment Due Account Number ending in 4075 d B l l $2,651.07 e ose ow $54.00 Enter Amount Enc Payment Due Date $ Ne`6' 22.2006 Please make check payable to Discover Card. h f h hl d imit. Pay t e sum o t e mont y You are ove minimum payment plus the overGmit amount of $351.07 23 SDSN6A01 0007625 HIXSON, JOSEPH inoaion information mation more secure with with password- 917 THORNTON DR pprrotected statements only you can access. MECHANICSBURG PA 17055-5752 Leammore atdiscover.condpaperless. PO BOX 71084 111rrrllersrrlelrellmilli rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1u1r11u1ur1sllrululr?ur?ll?nrln?nlnllnlululrlnl? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235026510700100000005400 Discover Card Account Summary Closing Dab: October 23, 2006 page l of 2 Account number ending in 4075 Previous Balance $2,663.14 Payment Due Date November 22, 2006 Payments And Credits 100.00 Minimum Payment Due $54.00 Purchases + 49.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Fn. Chagas + 38.93 Cash Credit Available $0.00 _ New Balance $2,651.07 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CC511bo& Bonus• Opening Cashback Bonus Balance $ 1.55 New Cashbock Bonus This Period + 0.00 Ca3hbmk Sorw Anniversary Month: December Cashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashback Bonus on Get More purchases in popular leteggoornes throughout the year and up to 1 % Caashbock Bonus on all your other purchases. Cashbadc Bonus Balance 1.55 Help You? I Visit Disawer can to pay year bit for no csm =..d o How Can We He latest Account information, earn and redeemore It's your choice - 3 ways to help 2. Call 1-800DISCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Uabi* Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payments and Credits Oct 8 Oct 8 PAYMENT THANK YOU $ 100.00 OIMr/Miscellaneous Oct 8 Oct 8 PAY BY PHONE PROCESSING FEE DBT 10.00 Oct 23 Oct 23 OVERUMIT FEE 39.00 Information for You The address provided in your Cardmember Agreement to request a beneficiary designation form for your Scheduled Air T Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, Suite icago, Illinois 606066613. Discovercord.com provides you with the easiest online self-service options that put you in control of your accoud. Make a payment today or schedule arm in advance. Sign up for timely e-moil reminders to help you avoid fees. Easy account management is just a click awayl Register or 4 in to Discovereard.com/roostermyoccoud Important Infam nion. It two is more thin one page to this billing statement, see the bad of each page for addi"W npatrf nfomtation. CO) See your Cardmember Agreement. Your Can knenmber agreement conti ans all the term of your Account- 0 U) Lost or stolen cards. Report immediately! Cal 1-800.3474683. > 0 Billing Rights Summary . in Case of Errors or Ouestorm About You Bill: N you f nkk your bill is wrap, or f you need more !nor aim abort a tarmeclion an yaw hi, mite us on a 00 separate sheet of paper at Woover PO Box 30421, Sal Lake City, UT 84 M0421, as soon as possible. We must hear from you no later than 60 days air we send you the lest bit V on which to enor or problem appeared. You can telephone us, but doing so WO not preserve your rights. In your letter, give US to blowing irtaraatom N Your name and Account number 0 The dollar amount of the suspected error 0 Describe Ie ens and explain, if you can. why you believe fare is an arm. tyou need more aiomation, describe, the item you are unsure abort. Your not haveVpay any amoutn question whit we are lwestigang. bur you am still obfgelad to pay rue parts cl yo r t-11 lhal we ram question. Me we investigate your question, we cannot report you as delirpue nt or take any action to collect the amour you geeShmm Special Rafe for Credit Card Purchases: t you have a pablern with tha quality of goods of services tut you purdresed with a credf card and you hate Wed in good fahth to conned the problem with the merchant, you may not hate to pay the remaining awn" due on the goods or services. You have this protection only when the purchue price, was arse than S50 end the purchase was node m yar bane state a witch 100 mites of you meting address. (t we am a operate the merdnard, a d we naiad you the sdwanlserhhri fa to good or services, all the purchase ate covered reoardess of the amount or location of the purchase.) Payments. Send only your payment and the top portion of the stateawM in the envelop povidW- Do not send cash. By sending your check as described above, you authorize is to use information on your cihedk to make and eledrow kind Vanier from your account err the financial !ablution indicated an your check or to process the p psad m a clack transaction. t the peynont is processed as an eectro m kind lrmfer, the transfer will be for the amount of go check. When we we information from your check to make an electronic hand transfer, kids may be withdrawn from you account as soon as the sane day we receive your payment, and you iii not receive your check bade Gan your li anflal institution. The processing of your payment maybe delayed tyou send cash, oorrespondence oroteritems with your payment, tyot send the payment to any other-address orit jwuse as envelope other diem the are povded. Payments received in proper fain at our processing family by 5Pkt local hone on any day will be credited to your Account as of tar day. Payments received at or processap fec* star 5Pkt local time will be credited to your Account as of the next day t you have misplaced you envelope, sad your payment to Discover. PO Box 6103, Card Sreem, IL 60197-6103. Please allow 7-10 days for delivery. If yam payment is returned unpaid, we reserve the right to resubmit it as an electronic debt You can pay you nnnxm payment or a greater amount over the telephone, and you can set up automatic paynhents. Cal us at 1-8OD-3472fi83. You will rend to shlrrehd and your bank accourd infonnaim. You-must snare that suRiort kinds are evadable in you balk account, and all transactions mug comply with U.S. Jaw. You will be asked to provide to fast 5 digits of you acoani steternrd ZIP code. By raring dose nwbn as your electronic signature, you will be agreeing to this rktar¢afon to d w us and yea bank to deduct each peymeM you su done from your brie aCaai. and b xtiiate debit or credit entries to you baneceaui• as applicable, to cared an in to processing of such payment. You mat lei us the amourd of each payment, or you an soled an amount such as IAniam Payment Due or to New Balance m each statement You can cancel a payment, however we mat receive notice at Nest tree business days in advance of to scheduled payment. You may notify us by phone at 1-000-347-2683 or by sal at to address haled in the previous paragraph. I you payments may vary in enaurf we will let you on each mrn#4 statement when your payment will be made and how much it will be. Your Automatic peyxnrf amount may be fees ton the ihdi sled on the monthly statement based on credits or payments applied dung the WM cycle. Credit Reporting. We may report intimation about you account to credit beers. Lao payments, missed peywecs, or other delrMs on your aware may be neieded in your credit report. We normally report the sups and payment history of you Amount to as* repo" agencies each month. N you bel nie that our report is tihaecrrre or nmmplete, please write us at the folla" address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address. hero telephone number and Amount rumba. PERIODIC FVMKE CHAGES. Periodic Fnarm Charges are imposed on all transactions from the date the transaction is peed to your Account until the date you pay your mire Now Balance, by nakrg payments or ram" craft. However, we will provide to following grace period* I you pad the New Balance on your pennies billing sloassard by to Payment Due Dale shown on dud statement, and you pay to New Balance by the Payment Due Date on to stawmerd we will not impose Periodic Fiance Clanger an new purchases, tats, purchases eat appearing on this shrtemerd. Otherwise. you will receive a big statement next mach that ndudes Periodic Finance Charges on awe new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions into grails of purchases, ash advances, and balance hrdrs and Ian further sat the transactions whin each grail by their Annual Percentage Rate. For example puss ases suabjed b a pronhotional ono and purchases abject to standard rate wand be separate groups. We refer to these gaps as transaction alegoim At to end of each biliig period. we compute Periodic Finance Charges for each day of the Ming period tar each transaction category . We use the following eguslarb mmpalle Periodic for each transaction category Average Daly Balance x umber of days in the billing prim! x Daily Periodic Rate- (See dia fmarica charge summary on your seenrhan - bF these amourhts.) Than we add up the Period ; Finance Charges for each transaction category to get the total Panic I' ance Charges for your Amount. The avenge Daily Balance is shown as zero f, because of die gram period, no Periodic Firanee Charges apply to the balance in a transaction category. We use t e average Daily Balance tindudirg new transactions) meted of calculating the balance upon which we impose Periodic Fnencce Charges. We cuapue theAerage Daily Balance for each trasech oil category by adding up alto defy balances n e billing period for a transaction cetegery ad dividing to total by the number of days into big cycle. We compile the deity balance for each transaction category on each day by frost adding the flowing to the previous days defy balance, transactions made that deg ties dhaged tat day and Periodic Fiance Chagea accrued on that day. If a transaction is posted to you Account after the dose of the billing period n which i occurs, we will tied the transaction as having occurred on the fit day of the big period in which it is posted to your Amours. N cla Amount re added to to sta dad pudhax transaction category with the exception of Cash Advance Transaction Fee Fnarra Charges which we added to to advance transaction category and Balance Transfer Transaction Fee Finance Charges whtich are added to the applicable balance transfer rarmarI category. When die special rate expires. we move to unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fioana Charges to to standard purchase transaction category . !-loving, if to special rata has bets terminated under the Defaull Rate Plan, we true to wood balance of the balance transfer and the Balarm Transfer Transaction Fee Finance Charges in the appicable hamaction category riff the spacial rate would have expired. For TDO (Telecorenhuntcatons Device for the Deal) sublance, call 1400347-7449. Discover may monitor ardor record talephhora orals between you and Discover represrfeives Ion graity assurance purposes The Discevers card is issued by Discover Dense, Member FDIC. O1TBK107 DISC(NER i HIXSON, JOSEPH 11 Pop to ??Y J Account number ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, sbbment history, complete with merchant names, locations and zip codes. Go to Discover.com/poperless and sign up for Paperless Statements today. 192010 Discover Bank. Member FDIC PPRGRN.0810 Closing Date: October 23, 2006 page 2 of 2 Hey, Juniors! We are searching For outstanding high school juniors to apply for the Discover lt) Card Tribute Award(R) Scholarship Program. Scholarships will be awarded to high school juniors who have excelled beyond academics. To find ot- more, visit our website at www.Diseovercard-com/tribute "WO Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNANCE FINANCE B°larlcas Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2634.05 0.04929% 17.99% F 17.99% $38.93 $0 Cash Advances $0 0.04929% 17.99% F 17.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER )1.800-347-2683). 8458833 DISCOVER $$2? 3"`° 23 SDSN6A010007626 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $56.00 Enter Amount Enclosed Below Payment Due Date $ 1 Dleai rmber 22.2006 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the ovedimit amount of $340.13. Go paperless and make your account information more secure with password- protected statements only you can access. Lear more at discovercom?paperless. PO BOX 71084 111 111 111111111 it al I gel mill CHARLOTTE NC 28272-1084 Address, e-mail or telephone cho%eit Print change in space (rrlrllIs Iif rlrl1191111!rlurllllrrrlme lr,lr,Iis lr,Irrlrlrmll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235026401300100000005600 Discover Card Account Summary Closing Date: November 23, 2006 page 1 of 1 Account number ending in 4075 Previous Balance $2,651.07 Payment Due Date December 22, 2006 Payments And Credits 100.00 Minimum Payment Due $56.00 Purchases + 49.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Fiance Charges + 40.06 :ash Credit Available $0.00 New Balance .= $2,640.13 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 1.55 New Cashbock Bar= This Period .+ 0.00 Cashback Bonus Balance $ 1.55 CaAboclc B6ritis® Anniversary Month: December Cashbock Bonus(R) is Amwico's R1 Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular r+es h % A"& h h d out t e year an up to 1 Ca t roug Bonus on all your other purchases. Help You? How Can We He , view 1 Visit Discover coin to pay your bit for no cast latest Account information, earn and redeem "Vie rd?s7and more our choke - 3 wa s to hel It's 2- Cal 1-800 SCOVER (347-2683) for fast, easy selhservice p y y options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sale Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Post Trans. eD ab Payments and Credits Nov 8 Nov 8 PAYMENT THANK YOU $ 100.00 OIMr/Miscellaneous Nov 8 Nov 8 PAY BY PHONE PROCESSING FEE DST 10.00 Nov 23 Nov 23 OVERUMIT FEE 39.00 AWWCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bakrnces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2624.13 0.04929% 17.99% F 17.99% $40.06 $0 Cash Advances $0 0.04929% 17.99% F 17.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) m rated above. Important Information. t there is mare than one page to to big statemerdsee the bads d each page for ad*=W important ribmia ion. See your Crdntember Agreement You Car&nember agreeent contains all the isms of yaw Amount. Lost or stolen cards. Repot immedraW Call 14100-347-2683. Bring Rights, Summary. In Case of Errors or Questions Mad Your Bit Y you chink your bill is wrong, or d you need mote i immabon about a transaction an yaud7. write us on a separate sheet d paper at Dscover, PO Box 38421, Sak take City, UT 8413041/21. as soon as possible. We nod hear from you no baler tan 60 days after are sort you the "bill on which the error or problem appeared. You can telephone us, but dmV so wind preserve yar noft In your letter. give ins the Wowing i kirmatow Your nano and Account amber The dollar amend of die suspected amt Describe the error and explain, d you cox why you believe two is an ens. It you need more information- describe to darn you are unsure abed. You do and have to pay any arnood in quasi am while we are swestgamg. but you we sit obligated to pay the parts of you bill Card are not in question. ylhiewe investigate your question, we caarot report you as delnquodarWe any action to collect tine amount you question Spacial Rate for Credit Card Purchases: it you have a problem with the quaky of goods or services that you pudased with a as& cad and you have tried in good bike to correct the problem with due merchant. you may not ham to pay is mom" armut due on On goods or snvioes. You how to prolectan only when tie purchase price was am then SW and fie purchase was made in yaw hams dale or wiun 100 miles of yaw mailing address. jO we own OF opeae tie mercud, or if we noted you to admire leart for the good or services, all go pudnsae are covered regenliess of the grout or bualion of to purduss.) Paynhents. Send only your payment and to top portion of the statement in to envelop provided. Do not send cash. By sending your check as described above, you ahthoa2e in to use infantation nth your chedk to make and decYaic kind Mster from yaw accord al The firlarhCral institution indicated on your dad or to process the paynwd as a check barsadion. 8 to payment is proceaeed as an dectro is bud trasler, the raster will be for the anent d the check When we use information from yea check to mare an electronic fund tramsla, fads may be withdrawn from you aocoud as soon as the same day we receive your payment, and you will not receive you dsdt back trim you financial isCtuUOn. The Woos" of you payment maybe delayed f you send casd4 correspondence or star items wAk you papnent, d you sad the payment to any other addressor /you use an envelope other than the orte prodded. Pey rm* receisd in proper form at our proceswsg tacky by 5PM local the on any day will be credited to yaw Accaud as d that day. Payments received at one processing facky after 5PM local an* wig be cremated b yo urAocou t a of the next day 8 you have misplaced your envelope, sad your peyvnent to Discover, PO Box 6103: Cad Stream, g- 60197-6103. Planes afow 7-10 days it delivery t your payment is reamed unpaid, we reserve the right to resubmit it as an electronic debit. You can pay you rmiarn peymerd or a grater amount over the telephone. and you can at tip automatic payments, Cal is at 14100.3472663. You wi need Iles statement and you benk account idameton. You must ensure that sufficient hrds are asiahb in your bank account. and all transactions nest coney with U S. law. You will be aslahd to provide fns first 5 digits of you award sW~ ZIP code. By entering those numbers a your electronic sigalue. you will be agreeing b this authorization to stow us and your balk to deduct each paymot you aWbrize from your balk aobud, ad to wAske debtor creditenti b yar balk aocmri esappfmde, Io eomed emor inthe prooemg d such perms You roust keg to the amount of each palm { or you can select an annerrt such as Mariam Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice a bast hiss, bksinsss days in advance of Ohe scheduled payrrmd. You may nobly us by plane at IMO.347-2689 or by mail a the address listed in the previous paragraph. I yaw payments my way in amount wewi bell you on ado coo l!4 staanntwhen your payment unit be made and how muds d ref be. Your Aubmarc payment amount may be lea Iwn to indicated on the monody statement head on credits or payments applied during is Ming cycle. Credit Reporting. We may report iriamafm about your account to as& bueaus. Lae payments, missed psyrne ts, or other defaults an your account may be reflected in your credit report We mortally report to stefis ad payment historyd youAomu t b cradt mpmteng agencies ado ntahlk. k you belies the our report s inaccurate or incomplete. please write us at to fclowirg address: Discover. PO Box 15316, Wlmirgbon, DE 19850M16. Please include your name, address, home telephone amber and Account number PERIODIC FINANCE CHAGES. Periodic Finance Charges we ikgwsed on at transactions from the dale the ransaian is posted to your Account until to data you pay your entire Now Balance, by making papents or receiving credits. However, we will provide to Wowing -grew period' N you pod the New Balance on your pervious Will sue n erdby the Payment Due Dale shown on gat statement, and you pay the New Baaoe by the Payment Due Dab on In statement we will nd impose Peindc Fiwnoe Gallas on new purchases. that is, purchases first appearing on Cis stalwart Otherwise, you wig receive a billing statement next mordh the includes Penior& Fiance (urges on terse new purchases. There is no grace period an balance barslers of cash advarnws. We sort your transactions into grails of purchases. cash advances, and balance shiers and twin father sad the transactions within each group by therAnnual Percentage Rate. For example purchases subject b a promotional rate and purchases subjed b, 1 lln 1, I rde would be separate grails. We mfg to terse groups as transaction cebgwws. At Ole end d each being period, we eanpule Periodic Finance Charges ter each day of the big period for each transaction category. We use tie ldbwing euyu etion b compute Periodic for each transaction category Average Daly Balance x number d days in to big period x Deny Periodic Rae. (See the hence large sunmary on you statement for these amends.) Then we add up the Periodic Fianw Charges for each transaction ayegory to gat the trial Periodic Fiance Chagas tar you Arrant. The avenge Daily Bdanceis shown as zero d, because of the grace period, no Periodic Finance Charges apply b is blare in a transaction category. We use it* Avenge Day Babarma (mduding new transactions) me" of colada" the balance upon which we wpm periodic Fiance Charges. We mmpum the Average Daly Balance for each transaction categany by adding up at the defy bdanoes in a big period for a transaction calegory and dhwdig On OW by the main es d days in to tilling cycle. We compute to daily balance for each transaction categoryon each day by first ad ft the fetowing to to previous days daily balance, transactions made flal day, tees daged that day and Periodic Fierce Chagas accrued on Omer day ita transaction is posted to your Account after the dose of the big period in which A coats, we wi tract the transaction as he"occurred on the hat day of the big period in which it is posted to your Account N are added to to standard purchase transaction cam"wth the exception of Cash Advance Transaction Fee Fiance Charges which am added to Is a?h?trasaeion rakgoay ahd Bela ce Tra d r Trasaction Fee Finns Charges With we added b fs applicable balance raster rasacbrn caegoy. Who the special rate expires. we mow the unpaid balance d the balance taster ad le Below Trader Trasaction Fee France Charges to On Slane I puduasetraneecbm category Fbvrem 0 the special rate has been terrnimted under the Defenq Rate Plan. we Ism the unpaid below of the balance tarsier and to Balance Transfer Transaction Fee France Charges in tie appicable baseci on category dal the special rase would hove expired. For TDD (Tdecomnrmfutmns DrAce for the W assistance, call i-W347-7149. Discover may monitor ardfor record telephone tags between you and Discover representatives for quality assurance purposes The Dsmver4 card is seed by Discover Be* Member FDIC. OITBK107 DISCOVER New Balance Minimum Payment Due $2,627.71 $54.00 Payment Due Date January 22, 2007 23 SDSNGA010007627 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Account Number ending in 4075 Enter Amount Enclosed Blow Please make check pay" to Discover Card. You are overlimit. PPay the wm of the monthly minimum payment plus On overlimit amount of $327.71 Go paperless and make your account information more secure vAh paswAmd- access. pprrotected statements only you can Leans more at dii scover oorsrtpaperless. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Inlrllulurlrllniln,lilurllllnrlulnlnllulnlnlrlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235026277100100000005400 Discover Card Account Summary Account number ending in 4075 Payment Due Date January 22, 2007 Minimum Payment Due $54.00 Credit Limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 Closing Date: December 23, 2006 page 1 of 1 Previous Balance $2,640.13 Payments And Credits 100.00 Purchases + 49.00 Cash Advances + 0.00 Balonco Transfers + 0.00 Finance Charges + 38.58 New Balance $2,627.71 You may be able to avoid Periodic Finance Charges, see *w reverse side for details. Cashbxk Bourse Opening Cashbock Bonus Balance S 1.55 New Cashback Bonus This Period + 0.00 Cashba& Bonus Balance S 1.55 Cashback Bonus&Anniversary Month: December Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashbock Bonus on Get More purchases in popular categories the year and up to 1 % Cashback Bonus on all your other purchases. an We Help You? How C YNW your 1 Visit Discever Bern to pay your bi Far ne ca latest Account information, *am and redeem reward and more It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347-2683) for Fast, easy selfservice options or to speak with a Customer Service Account Manage Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sark Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 8 Dec 8 PAYMENT THANK YOU $ 100.00 Other/Miscelareovs Dec 8 Dec 8 PAY BY PHONE PROCESSING FEE DBT 10.00 Dec 23 Dec 23 OVERLIMIT FEE 39.00 WIM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARCsES CHARM current billing period: 30 days Purchases $2610.88 0.04929% 17.99% F 17.99% $38.58 $0 Cash Advances $0 0.04929% 17.99% F 17.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. N there is more that one page to this Ming statement, see the beds of each page for addedriei important nfamation. Sea Your Cardaember Agreement Your Cardmember agreement contains err to tams of your Account. Lost or stolen cards. Report irrmedatalyh Call 1800-341-2683. Billing Rights Summary. In Case of Errors or Oueslnns About You &N: t you twd your bill is 111110119, OF if you nxd more idonnation about a transaction an yourbi. *a* us on a separate sheet d paper at Discover. PO Box 30421, Salt Lake Cry, UT 84130-0421. as soon a pas". We must hoer from you no laler then 60 days alley we set you to firs bin on which die ems of problem appeared. You can telephone us, but doing so will riot preserve your rtgMs. In you boar. give us the following information: You name and Account number The dollar amount of the suspected ems Describe the error and explain. d you can, why you believe two is an error. n you need mote irdomaYon. desabe the item you are unsure about. You do not have b pay any amountn questio n while we are iwesYga", but you stead obligated b prey ore parts olyour bin Mare not in question. WAiewe - esigab your question, we cannot report you as delinquent or take any action to called the amour you question. Special Rah for Credit Card Purchases: O you have a problem willn the quality of goods or services that you purchased with a as& card and you have treat in goad bidn to cued the problem with the madient, you any not how to pay to naming amount due on the goods or services. You lave this, protection only when One purchase processor moor dean $50 and doe purchase was made in your home state or within 100 miles of your mailrig address. (11 we own or operate tee merchant, or if we misled you to advahteme tfor the good or revues al the purchase are covered regardless of the amount or location of the purchase) Payments. Send only rear payment and the sop portion of to statement in the envelop provided. Do not send cash. By sending you died as described above, you a bonze us to use information on your check to make and electronic lend transfer from your account at IN financial institution indicated on your check or to process the pnynwa as a deck transaction. gte payment is Moessed as an electronic; end transfer, the banter will be for the amount of the deck When we use information Yon your do* to make an electronic Ju d transfer, lends may be wid da n from you accost as soon as the same day we receive you Perrot, and you will not receive your dhect hack from yaw financial irstihAion. The processing of your payment maybe delayed 4you send cassh, canespordene or of erifems with your payment, if you sad the payment to any other addressor 9you use an envelope oter I= the one provided. Payments received in proper fort at our processing faddy by 5PM local Nine an any day will be credited to your Account as of to day. Payments received at our Processing facility after 5PM local Nine will be credited to yourAccart as alto nerd day gym have moplaced yourenvelope. send yarpelsnat to Discover, PO Box 6103, Carol %earn. IL 60197-6103. Please slow 7-10 days for defiRry. t your paymenta retuned unpaid, we reserve the right to res brit t as an electronic debit You can pay your mirmxm payrneN a a greater amount over the telephone, and you can ant up automatic psyme is Cal us at 1 IW-3472683. You and reed ills; blae'and your bank account nkxlnalim. You must ensure that suRriat krhds are available at your bad i ooasa. and all transactions mast comply with U.S. lean. You col beaked to provide the first 5 digits of you avant stidear nl ZIP code. By enteag rase numbers as your electronic signature. you will be agreeing to to authorization to alas to all you bank to deduct each payment you a afrome tom your bank account and b rebels debt or as& ardw s b you bank account. as applicable, to cared am it the proosseirg of such payment You must tell us the amount of each payment. or you can select an amount such as Marten Permit Due or the New BOW" on each statement You am taflael a payment, however we mat revive notice of tent three business days in advance of the scheduled psirma t. You may notify us by phone at 14100-3174683 or by mad at i e address listed in to previous paragraph. It your payments may vary n amount we will fad you an each manntty daknent when you payment will be made ad how much a will be. Your Automatic payment amount may be less then the indicated on the nor" statement based on cred6 or payments applied dung the bang cycle. Credit Reporting. We nay report nbrmieban about you account to credit bureaus Late paymads. missed payments, or other delahto on your amount may be reflected in your credit report- We normally report die shay and payment history of you Accost to aedt repay" agendas each month. g you believe to our report a i sommile or naonplele, please write us at the lolowig address: Discover. PO Box 15316, Wilmington, DE 198505316. Please include you name, address. home Wephone number arid Account ember. PERIODIC FINANCE CHAGES. Per Finance Charges are reposed on all transactions tan to date the, Vivisection is posted to your Mooted until the dab you pay you entire New Balance, by making payments orreceiving credits. However, we will provide the followig'gmce period' tyou paid the New Bola ce on your paxas b ling sfaarrera by to Payment Due Date shown an that statement. and you pay the New Balance by the Payment Due Dab an this statement we will not impose Parbdc Fiance Charges on new purchases, tent is, purchases last appealing on this statement. Otherwise, you will receive a b ft statement ran month that includes Periodic Finance Charges on toss new "chases. There is no grace period on balance transfers or cash advances. We sort your transactions aft grails of purchases, cash advances. and balance transfers and ten kroner sat the transactions within each grail by doiAnnud Percentage Rate. For example purchases subjed to a promotional rate and purchases subject to standard tab would be separate grays. We refer to these groups as transaction categories. At die end of each billing period, we conpute Pen odc Finance Charges for each day ofthe Will period for each transaction category. We use to following equation to canq>te Periodic for each transaction category . Average Daily Balance x number of days in the billing period x Daly Peiodc Rate. (See the finance charge axmary en you SMKnWd ter teea armuts l Then we add up Ore Periodic Finance Chagas ter each transaction category to get to total Periodic Finance Charges for your Account. The average Daly Balance is shown as zero n, because of the grace prod, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daly Balance (including new transactions) meted of calculating to balance upon which we impose Periodic Fiance Chagas. We ampule the Ainam a Deily Balance for each barRBCtion category by adding up all the daily balances in a billing period for a transaction category and dmdng the total by the rumba of days in to big cycle. We compete to daily balance low each transaction category on each day by fist adding die folowng to to previous days daily balance, transactions merle that salt toes charged that day and Periodic Finance Charges accrued an Owl day. t a transaction is posted to your Account ate die dose of tee bmlig period in which it occurs, we sell Net to transaction as having occurred on toekrsrdtay of the billing period in which it is posted to your Acmud. AN he few t -lie transaction added astandard purchase category wdh the exception of nd Balance fer Transaction Fee Firverce Ch which afire ad Advance Transaction b the applabbe baF? e kro bolster transaction, category Charges witch as added to When the special rate expires. we move the unpaid betennca of One balance transfer and the Baielce Transfer Transaction Fee Finance Charges b the standard phrdbce aarsecaon category : However, if the special rat has been winamied under the De" Rate Plan. we leave the spied betake of the balance trashy and the B06MO Transfer rraraadhm Fee Fiance Charges in the applicable transaction category unit On special rate would he" expired For TDD (Telecatmunicadons Device for the Deal) assisbnce, call 14WUT-7449. Discover nay monior andfor record telepfane calls between you and Discover representatives for 9uslty assurance purposes The Discovers card is issued by Discover Bank, Member FDIC. OITBK107 New Balance DISCOVER Minimum Payment Due Account Number ending in 4075 l l d $2,61642 $55.00 Be ow Enter Amount Enc ose Payment Due Dote February 22, 2007 Please make check gable to Discover Card. You are ovedimit. Pay the sum of the monthly f d imif amount o minimum payment plus the ove $316.A2. 23 SDSN6AOt0007628 JOSEPH HIXSON account Go papedess and make your , infopapule rmation more secure with password- with 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discovercondpaperless. PO BOX 71084 III111 11 11111 1 1 1 11 11 11 1 1 1 1 1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrlrllrrllrllrlllrrlrrloil so IIIIrrrlrr111Is III loll rlrrlrlrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235026164200100000005500 Discover Card Account Summary C6sing Date: January 23, 2007 Pogo 1 of 1 Account number ending in 4075 Previous Balance $2,627.71 Payment Due Date February 22, 2007 Payments And Credits 100.00 Minimum Payment Due $55.00 Purchases + 49.00 Credit limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Fir mice Barges + 39.71 Cash Credit Available $0.00 New Balance $2,616.42 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 1.55 New Cashbock Bonus This Period + QM Cashbadc Bonus Balance $ 1.55 Coshbock Eronu30 Anniversary Month: December Cashbock Bonus(R) is America's #I Cash Rewards Progroml Full 5%Cashback Bonus on Get More purchases in popular iss = k throughout the year and up to I% C Bonus on all your other purchases. How Can We Help You? a 'visa Discover cem to pay year bin for no ` view your more latest Account information, earn and redeem m rewards It's your Choice - 3 ways to help 2. Col 1-800-DISCOVER (347.2683) for foss, 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 Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 8 Jon 8 PAYMENT THANK YOU $ 100.00 other/MisaNaneous Jan 8 Jon 8 PAY BY PHONE PROCESSING FEE DOT 10.00 Jan 23 Jan 23 OVERLIMIT FEE 39.00 OVINkharge 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 $2600.60 0.04929% 17.99% F 17.99% $39.71 $0 Cash Advances $0 0.04929% 1799% F 17.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important 6d«matlon. N there s more than one page b this, bk g statement, see to bade at each page for adMional nlportard kdormaim. See your Cardine mberAgreement Your Cardmenber agreement contains all the terms of your Acmunl. Lad or stolen cards. Report inanedelelyl Cal 1 00.347-2683. Biting Rights Summary. In Case of Errors «QuerbonsAbout Your Bill: N you ink your bill is wrong, or it you need more i imnaion 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 mud hear from you no laser than 60 days filer we sent you the test bill on which the emor or problem appeared. You can lelephone us, but doing so will not preserve your rob. In your Ieder. give us to following idommace: Your name and Account number The dollar smarm of the suspected error Describe the error and explain, it you can, why you believe toe is an error. Nyou need more information, drxobe the item you are unsure abort. You du 10 have to pay any amount nWestion while we are investigating. but YOU are fblabligated to pay to parts of you bill that are not in queston. While we inve?igale your - qrestioM1 we cannot report you as deiirpuert or take my action to mded to amount you quesioa SpacW Rate for Credit Card Purchases. N you haw a problem with the quality ci goods or services that you purchased with a credt card ad youhaw tilt in good tatlh b asked the problem wtlh the machaM, you may not have to pay the menheidng amount due on the goods «services_ You taw an protection only when to purchase price was aura then $W and In purchase was node in you home state our within 100 mks of your mailing address. IN we own or operate the merchant, «t we nailed you to advertisement for Nat good or swam, all the purchase are covered regardless of the ==it or location of to purchase) Paym enta. Send only you payment and the top ponfon ol the statement in to envelop provided. Do not send cash. By sanding your dark as described above. you authorize in to use information on you deck to mace and elecio w tut transfer k«n yaw account at to financial iailabn inndicaled o n your dark our to process to payment as a check transeaion. Nta peymeM s pmceuW es an dacaaie kind tranNa, Nat tanbr vA be br the wnoLwt d the deck When we use information from your deck I* make an elections lud trareter, funds may be withdrawn tom your amount as soon as to same day we receive your payrnerd, and you will not race ve your chede back tom your financial itsibaion The processing of your payment maybe delayed d you send cash, correspondence orotltw ikons wiNryar paymeM, dyousendthe, payment b arty oMeraddineis;"your use an' envelope other than to one provided. Payments received in Roper form at= processing facility by 5PM local laws on any day wi be aediled b your Amount as o (#M day. PsymeMC received a tour Roceseig ladlty alter 5PM localtine will ba crafted to yo rAoaurt es d to next day N you fine misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 601976103. Please allow 7-10 days for delivery. N your paymerd is rebored unpaid, we reserve the right b resubrni Ras an electronic debt. You can pay your minram payment or a greater amount awn the Wepho e, and you can set up aromatic paynrrenb. Cal us at 1-000-3472683. You will need In statement and you bank account i hounaion. You moat ensure that sufficient furls are available in your baulk amount. and all transactions 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 numbers as yaw electronic signature. you wall be agreeing to In aut orvaimk b aim us and you bank b deduct each payment you surtme from you balk aeons and to robe, debt or credit entries b you bards acm nl as applicable, b correct error in in porxssig of such payment. You must tell us the amount of each payment, or you can select an amount such as M mmm Payrnent Due or No New Balance an each statement You can canal a payment, however we must receive notice at bast area business days in advance of the scheduled payment. You may notify us by phone at 1SO-347-2683 or by mad at the address fisted in the previous paragraph. N your payments may vary in amount we will tai you an each montdy sWemed when your payment will be made and how muck it will be. Your Automatic payment amount may be less Nan the indicated on the monthly statement based on credits or payments applied durig the billing cycle. Credit Repostlhg. We may report information about you account to credit bureaus. Late payments, missed payments, or cite dalslb on your account may be selected in your credit report. We normally report to status and payment history of your Accent to crack mporirg sgacies each month. N you believe Mar report is inaccuraft or incomplete, please wk us at the lolowkg address: Discover. PO Bon 15316. Wilmington. DE 19850-5316 Please include your name, address, hone leleploro number and Accent number. KRK)l 1C FINANCE CHAGES. Periodic Faeroe Charges are imposed on all transactions from the date the transaction is posted b your Account unit the data you pay your entire New Balance, by making payments our receiving credits. However, we will provide the 1oNowig'grece period' N you pod to New Bare on your pervious billing slaterned by the Payment Due Oar shown on that statement, and you pay the New Balance by the Permit Due Dale on In statement we will not impose Pen odc Fiance Gorges on new purchases, that is, purchases fist appearing an this stateme t. Otherwise, you will receive a billing sbalenaM next month M includes Periodic Fierce Charges an dose now purchases. There is no grace period on balance trmsbrs our cash advances. We sons you transactions nib groups d protases, cash advances, and balerlce transfers and tan further sod the transeclons wltn each group by t wAmwh Peroentege Rate. For example protases subject b a promotional rate and protases skblied to standard rate would be separate groups. We refer to these grout's as transaction categories. At the end of each billing period, we ampule Periodic Faeroe Charges for each day d to billing period ter each transaction category. We use the following equnlon b amputR Periodic for each transaction call" Average Daily Balance x rumba of days in the billing period x Daily Periodic Rae. (See the lance doge summary on your stebment for these a okints.) Then we add up the Pen odic Finance Charges breach trarhsadan category to get it* cal Periodic France Chagas for your Account. The average Daily Behnke is shown as zero I• because of to grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Dally Balance (including new transactions) meltbd of calculating the balance upon which we repose Pat Fnace Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a b&M period for a transaction category, and & aft the total by the number of days in the bh'Ing cycle. We compute the daily balance for each transaction category on each day by fist adding the t 1owM to the previous days daily balance, transeciae made Mday, tees caged M day and Periodic Fiance Charges accrued on hat day N a bensedon is posted to your Aaeut after the dose of the tiling period n which t occurs, we will teat the transaction as having occurred on the Est day d to biting period in which it is posted to your Account. AN Aaourd are added to the standard purchase transaction category with the exception at Cash Advance Transaction Fee Finance Gorges which we added to the transaction category and Balance Transfer Transaction Fee France Charges which we added to the applicable be*= transfer transaction category When to special rate expees, we nave the wiped balace of tla balance transfer and to Belarim Transfer Transaction Fee Fnace Charges to the standard purchase transaction category . However . N the special rate has boa terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the BMW" Retailer Transaction Fee Finance Charges in the applicable transaction category until the special We world have expired. For Tl1D (Telecommunications Device for the Deal) assistance, call 1400.37-7149 Discover may mails andlon record telepho s calls between you ad Discover representatives for quality assurance purposes The Discover' cad is issued by Discover Bank. Member FDIC. 01TSK107 New Balance VER I C Minimum Payment Duel Account Number ending in 4075 d l $2,604.95 D S O $55.00 Be Enter Amount Enclose ow Payment Due Date $ March 22, 2007 Please make check ,,,,y, a to D'?cover Card. You are overlimit. al; y tho sum of the mo g minimum payment plus the overlimit amountof $304.95. 23 SDSN6A01 0007629 ke your account inopaperless and HIXSON, JOSEPH tion inforrmaation more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discover.congpoperiess. PO BOX 71084 Illnrllunrlrlrrllulrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changek Print change in space lulrllnlnnlrllurlulrlurllllurlnlnlrrllulnlulnlnll above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235026049500100000005500 Discover Card Account Summary Account number ending in 4075 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available March 22, 2007 $55.00 $2,300.00 $0.00 $1,200.00 $0.00 Closing Date: February 23, 2007 page 1 of 1 Previous Balance $2,616.42 Payments And Credits 100.00 Purchases + 49.00 Cash Advances + 0.00 Balance Transfers + 0.00 Fiance Charges + 39.53 New Balance - $2,604.95 You may be able to avoid Periodic Finance Charges, see the reverse side for rJntaib. Cashback BonuSe Opening Cashback Bonus Balance $ 1.55 New Cashbacc Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 CdAback -BotiusdIt-Anniversary Month: December Cashback Bonus(R) is America's 41 Cash Rewards Progroml Full 5% Cashback Bonus on Get More purchases in popular ccaaMMggoorr k throughout the year and up to I% Cash6oc Bonus on all your other purchases. How Can We Help You? 1 Visit Discover corn to pay your bill for no cast, view r l d d t t A t i f ti ds? d It's your choice - 3 ways to help a on, earn an re eem rewar an es ccoun n orma more 2. Cal 1-80OLDISCOVER (347-2683) for fast, easy sellLservice options or to speak with a Customer Service Account Manager Please have your Discover Car d available. . Write us at Discover Card, PO Box 30943, 3 For TDD (assistance for beannurn see reverse side g P??l Salt Lake City, LIT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Tram Pod Payments and Credits Feb 8 Feb 8 PAYMENT THANK YOU $ 100.00 Odwr/Misceloneous Feb 8 Feb 8 PAY BY PHONE PROCESSING FEE DBT 10.00 Feb 23 Feb 23 OVERLIMIT FEE 39.00 $9011 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE iii s3 Rates RATES RA7E5 CHARM CHARGES current billing period: 31 days Purchases $2589.21 0.04929% 17.99% F 17.99% $39.53 $0 Cash Advances s0 0.04929% 17.99% F 17.99% $0 $0 The rates that apply to your Account ore either fixed (F) or they may vary M as nosed above. Yaportent information. If there is more than one page b this bung statemenl, see the bed of each page for eddtiahal important indannaWah. See yaw Crdmember Agreement Your Cardmember agreement contains all the terns of your A=unt Lost or stofeh ardor. Report innsdably! Cal 14110-347-2683. Billing Rights Summary. In Case of Errors or OueshonsAbout Your Bd: It you think you bill a wrong, or f you need more information about a Imm acGm on ynubi, write rs on a separate shat of paper at Discover PO Box 30421, Seat Lake City. UT 14130-0421. as soon as possible. We must hear from you no late them 60 days alter we sett you the W bill on which the error at problem appeared. You can telephow us, but doing so will not preserve your rights, in you letter. give us to following nlamaUar You new and Acorn number The dollar armwm) of the suspected anon Describe the anon and explain. it you can. why you believe Owe s an error. If you need more idamabon, describe the rem you are unsure about You do not have to pay any anon t in question while we are.i veftatng- but you are sill obligated to pay the parts dyer bill that are not in question. While we vinesliple your question, we cannot report you as dekrpuent or lake any action to collect to amass you Wesson. Special Rate far Credit Card Purchases: t you lave a problem with to quality of goods or services that you pudhsed with a as& coded you hews tried in good Wdh b correct the problem with to ins chant, you may not have b pay the fennarng amount ere an the goods or services. You hoe in protec6m atywhen the purchase price was more ten $60 and in puchme was made in your hone slate or whin 100 miles of yea mailing address. (f we own a op b the merchant or if we mailed you the advaisemerd for the good or sepias, all the purchase are covered regardless of the amount or location of to purchase) Payments. Send only your payment and to tap portion of the statement in to envelop provided. Do not send ash By sending your check as deaabed above, you alielme in to use information on your dodo to make and electronic fund transfer from your sccart at the financial institution indicated on you deck or b process the payment as a check awsacion. 0 to payment s praxssed os ail Oecaaic Ind transfer, to trader wit be for the ereut d the dad. When we use idamofrarh Ian your dock b make an electronic Gad transfer, funds may be vit hdrown from your account as soon as the same day we receive your payment arid you will not receive you check bad from your Insrhcial Institution. The processshg of your payment maybe delayeddyou cord cash, correspondence or other items with yak prfl ed. if you send the paynhemtto any alher addressor if you toe an erweIW other than the one provided. Payments received in proper form at our processing faddy by 5PM local lime an any day will be aedried to your Account as of set day. Payments received at our processing facility after 5PM WA Wee will be credited to yo rAaart as dthe rod day I you have misplaced your envelope. seed your payment to Discover, PO Box 6103. Card Stream, It 601974103. Please allow 7-10 drys fOr delivery. I you payment is refined unpaid, we reserve the right to resubnt it as an electronic debt. You an pay your rnimirarn payment or a greater amount over the telephone, and you an set lip automatic payments. Cal us al 14003472663. You will reed cis statement and your bank account nfomulak. You mad ensure tat sufficient is* are available in your bank account, and at transactions mast campy with U.S. law. You will be asked to provide to first 5 digits of you account statement ZIP code. By ark" those numbers as you electronic sigorre. you will be agreeing b tins authorization to allow us and your bank to deduct each payment you authome from your bank accout and to initiate debit or credit entries b you bank accord, as applicable, to cored error in ire processing of such payment You must tat ks the amount of each payment. or you can select an amo rd such as Minimum Payment Due or the New Balance on, each statement You can anal a payment, however we must receive notice at lest tree business days in advance of to scheduled payment You maynclly us by phone at 1400-347-2683 or by mail at the address listed in to previous paragraph. 9your payments may vary in amount we will tell you on each man$* statement when your payment will be roads and how much it will be. You Aulomakc payment amount may be less than rice ihdiated on to nanthly statement based on creeds or payments applied dung the burg cycle. Credit Reporting. We may report i formaiah about your accost to credit bureaus. tale payments. missed payments. or other defaults on your account may be reflected in your credit report. We normally report the status and pap" history of your Account to as & reporting agencies each mnah. I you believe than our repot is inaccurate or ncomogie. please wrle us at the folowig address: Discover. PO Box 15316. IMI rington, DE 19850-5316. Please ndude your mama, address. hone telephone comber andhmut mnber PERIODIC MAKE CHAGES. Periodic Fiona Charges are imposed an ad transactions from to date the transaction is posted to your Account and to dale you pry your owe New Balance, by making payments or receiving credits. However, we will provide the felowig'gaa pdodIf you psid to New Balance on you penvios bifsg statement by the Papmerd Due Date shown on tal statement. rd you pay the New Balance by the Payment No Ode on this statement we will not impose Periodic Finance gorges an new purchases, that is, purchases first appearnhg on cis statement. Otherwise, you will receive a billing statement next indite tot includes Periodic France Charges on those new purchases. There is no gram pencil on balance Iersfas or ash advances. We sat your transactionor groups of purdoses, cash advances, and balance transfers and then further sod do transactions within each group by their Annual Pacetage Rate. For example purchases subject to a promotional rate ad purchases; subject to standard rite wand be separate grails. V& refer b these gaps as transaction categories. At the and of each billing period, we Corpse Periodic Fneha Charges for each day of the bring period for each transaction category We use the following equation to compute Parodic for each transaction category . Average Daily Balance x comber of days in the filling period x Daily Pe iodc Rate. (See the inane charge summary on your statement far these amounts.) Then we add up the Periodic Finance Charges for each transaction category to gel to tool Periodic Fiance Charges for your Acoart The average Daly Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category We use the Average Daily Balance (including new trasa bons) meted of calculating the balance upon which we impose Percale Firm Charges We compute ft Average Daily Balance for each transaction category by adding lip all the daily balances in a billing period for a trasecYcn category and dividing the WW by the number of days in to bang cycle. We compute the daily balance for each transaction category on each day by first adding the G710wing to the previous day's daily beWrne, transactions made the de%fees draged that day and Periodic Finance Chagas accrued on that day It a transaction is posted to your Account alter the dose of the bil ig period in which it cans. we will Wed the transaction as having occurred on the fast day of to billing period in which it is posted to your Account At Gas l?oouit are added b the standard purchase transaction category with she exception of Cash Advance Transaction Fee Friona Chagas wihiih am added to the il4a trasaction category and Balance Transfer Trasachon Fee Fnoroe Cwges which as added to to applicable balance tasfer trasactim category. the stsrhderd ptnthse tranaaGfrah When to special rate expaes, we move the upaid 1, -1, of the balance transfer and to Balance Traslo Trssaion Fee Finance Charges to category. However, if the special rate has been terminaled under the Default Rate Plan, we leave the unpaid blonde of hoe balance transfer ell to Balance Tra ek Trasacion Fee Finance Chagas in the applicable transaction category until the special rate would haws expired. For TOO (Telecommunications Device for the Deal) assistance, eel 1-804347-7449. Discover may monitor andlo record telephone cell between you and Discover representatives for quality, assurance purposes The DisoovW card is issued by Discover Bank, Member FDIC. 01TBK10T New Balance DISCOVER $2,58941 23 SDSN6A01 0007630 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $51.00 Enter Amount Enclosed Bekrw Payment Due Date $ 1 Apra 22, 2007 Please make check payable to Discover Cord. You are overlimit. Pay the sun of the monthly minimum payment plus the overlimit amount of 5289.41 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover corn0papedess. PO BOX 71084 111. 1111186111111 Bill 11 1 Ill CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space In?rl?nlnrlnllnnlu?nlml?llnrlulnlnllnloluln)nl? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235025894100100000005100 Discover Card Account Summary Account number ending in 4075 Payment Due Date April 22, 2007 Minimum Payment Due $51.00 Credit limit $2,300.00 Credit Available $0.00 Cash Credit Limit $1,200.00 Cash Credit Available $0.00 - Closing Dale: March 23, 2007 page 1 of 1 Previous Balance $2,604.95 Payments And Credits 100.00 Purchases + 49.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 35.46 New Balance $2,589.d1_ You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonuse Cashback Bonus® Anniversary Month: December Cashbook Bonus(R) is America's #I Cash Rewards Program! Full 5% Cashbook Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashbook Bonus on a# your other purchases. Opening Cashback Bonus Balance $ 1.55 New Cashbook Bonus This Period + 0.00 Cashbadc Bonus Balance $ 1.55 How Can We Help You? s to hel our choice - 3 wa It's ' Visit Account ,ar on, yew eeanand redeem e? ",d =? more 2. Cal 1-8004ASCOVER (347-2683) for fast, easy self service p y y options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Mar 8 Mar 8 PAYMENT THANK YOU $ 100.00 0dor/M6ce6neous Mar 8 Mar 8 PAY BY PHONE PROCESSING FEE DBT 10.00 Mar 23 Mar 23 OVERLIMIT FEE 39.00 Charge Summary Nominal Average Doiy ANNUAL ANNUAL Daily Periodic PERCENTAGE PERCENTAGE lances Rates RATES RATES current billing period: 28 days Purchases $2570.73 0.04929% 17.99% F 17.99% Cash Advances $0 0.04929% 17.99% F 17.99% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Transaction Periodic Fee FINANCE FINANCE CHARM HARGU $35.46 s0 $0 $0 Important hicrmatlon. N there is more Lien one page to On big sfabmeniL we the beck d a" page for ad&wd imported kubnretion See your Cardahanber Agreement. Your Cardinamheragreement contains all the lams d your Accourt Lod or stolen cards. Report nnhedidelyt Cal 1.604347-2663. Billing Riphb Sumnry. in Case of Ertors of OueatiornAbod Your 80, N you Mick your bill is saarg, or N you read more Wormaeah about a foersaclaa on yw bi, write us on a separaieshestd paper at Discover. PO Box 30421, Sell lake City, UT 841340421, as soon as posable. We resat hear from you no later tharh 60 days alterore said you doe first bill on which the error or problem appeared. You can telephone us, box doing so will not preserve your rights. In your letter, give us the following informo im: Yaur rharne and Account dumber The da8ar arnouht d the suspected enar Describe the error and explain, it you can, why you believe there is an error Nyou need more kdarrefm: describe the item you are unsure about You do not toe b pay any adored in gmtilistm while we are nvesligalirg, but you are stil obligated to pay the parts of your bill that are not in question. Wilhite we investigate your question, we cannot report you as deWquerd or take any action b collect the errant you question. Spacial Rob for Credit Card purchases: N you have p; ", tlnn with the queily dgoods a services trot you purchased with a aefl cad and you hone sad on good leiNr b canted the problem with tre merdex, you may not have to pay to reasoning amend due on the goods or services. You have the protection only when toe purchase price wan more than $50 and to purchase was made in your home slate or wlhn 100 miles of your maig address. (N we own or operate the merchant, or 4 we mailed you tie advertisement for On good or sermes, d the purchase, we oavered regardless of the amount or location of the purchase.) Payment Send only your payment and the lop portion of the Statement in to envelop provided. Do not send cash. 8y serdkg your doedh as described above, you aulnnze us to use kdamalim on your dwdr to make and electronic lud founder from your ached at to fanennolel institution Irdleated on your cook or to process to paired as a clad( tramactim. 9 the parent is processed as an electronic kind transfer, the aansfe will be for the arrwht dine c edu. Wr4w we use information from your dhedt to mdse an electronic fund transfer, finds may be witlndrawn from your account as soon as the same day we receive your payment, arod you will not receive you dhedk bade from your fnandal orshh". The processeg of your pared maybe delayed if-you send cash. conespordnsz or after ilems with your payment. x yon send tie payment b arty othered1 ordyou use an envelope oiler than tie one provided. Payments received in proper format our processing facility by 5PM local bone on arty day will be coedited to yuwrAeaaddas dthat day. Payments retatwed atcar proressM Iac* alter 5PM boot tine wit be aednd b yarAcmuht m d tie ned day It you have misplaced your envelope, said your payment to Discover, PO Box 6103, Carol Stream, IL 601975103. Please allow 7-10 days for delivery. N your payment is rearmed egad, we reserve the right to resubmit x as an electronic deb* You can pay your mntimnn payment or a greater amourd over the telephone, and you can set up automatic payments. Cal us at 1.8"72683. You wi reed to statement and you bank aceohrht idormdan You must roue tot sufficient halo are available on your beck account, and all transactions must comply wash U.S. lea. You wall be asked to provide tae first 5 digits dy0u account aldemerd ZIP cads. fay entering those numbers as your electronic signature. you will be agreeing b this authorization to abw us and yw bank to deduct each payment you auMa¢e from you bade aoowK and b inbde debit or uaedt entries to your bank award, as applicable, to correct era in the prmnwnig of such payment You must tee us the amount of each payment, or you can select an enou t arch as Mimirnm Payment Due or to New Balance on each sldane t. You can ax, - A a payment, however we moist revive notice at least tree bhsirsss days in advance d tiesdiedded paymem- You nay nobly in by phone at 1-804347.2689 or by raw at the eddirm hod in the previous paragraph- N your payments may vary in amour we will Id you on each montdy stationed when yaw payment will be made and maw much x will be. Your Aubmatic payment amount may be less then the indicated on the monthly statement based on craft or parents applied duvg the bung cycle. Credit Repor ft We may report ordanmation abed your acoou l to weft buses. Late psynets, maned payment. orode ddauks onyour amourd t y be relecbd in your credit report. We normally report the status and payment belay of your Account to at* mparting agaves each month. N you believe NO w report a irocoaate or ihaompells, please wrib us at Me following address: Otcover, PO Box 15316. Wiknngton, DE 198505316. Please include your name, address. horse telephone number a WAccou t number. PERIODIC FINANCE CHAGES. Periodic Fnarroe Changes we imposed on all tra serum kin to date to transaction is posted to ywAccount unit tie data you pay you entire New Balance, by me" payments or receiving credits. However, we will provide tie fabwig'g(eoe period' Nye paid the New Balance on your pervious big steamed by fie Payment Due Dab shown on that statertwd. and you pay the New Balance by the Payment Due Data on ft statement we will not impose Perodhc Fnrirs ChaW on new purchases, that is, pudsaes first appearing on this statarsrd. Otherwise. you will receive a big statement neat month that iwdudes Periodic Faeroe Charges on Bose new p schases. There a no grace period on balance transfers or ash advances. We sat yaw transactions into groups of purchases, cash advances, and balance foaslars and then Weir sat the transactions; wit i n each group by their Annual Percentage Rate. For example purchases subjea to a praneiond rat and puclumes subliect b standard rate world be separate grm". We reds to these groups as transaction categories. At to end of each big period, we oaryxb Penbfc Fnancce Charges for each day of to big period for each transaction category. We use Me following equelio n b ocomphde Parodic for each transaction category Average Dally Balance x rwmber of days in the blip period x Daily Perak Rata. (See fie trance charge summary an youff statement for these amount.) Then we add up the Periodic Fiharhce Charges for end transaction cgs" to get ter total Periodic Finance Charges for your Account The average Defy Balance is shown as zero ill. because of the grace period. no Perak Fichte Charges apply to tie balance in a transaction category We use the Average Daly Balance including new transactions) me" of calculating tie bottom upon which we impose Peiofc Finance Chagea Wye copto Be Avenge Daly Balance or each frensaCbm category by edfrg up all the daily balances a e b&V pe d for a tranns l ion colts" and &x1ing the total by the wnberdd rp in Mn big cycle. We compute the daily balance for each trano sction calooM on each day by first addrg fie fdowo g to to previous days daily balance, nernaactons made to day, tiers charged Mot day and Perak Fiance Charges wowed on that day Na tansadnan is posted to your Account ape the dose of the billing period in which it occurs: we wi vast the transaction as lowrig scarred on the fiat day of the bNing period in which x is pasted to your Acocuo AN t? r ccwt are added to the standard purchase, transaction catago ry with Me exception of Cash Advance Transaction Fee Finance Charges which are added to to b?t?rnce transaction category and Balance Tmnsl r Tnansacum Fee FnanceChages wfhich we added b the applicable balance+arrsta fowse . category. When the special tab expires, we moure toe unpaid balance of the balance transfer and the Balarnce Transfer Ttanseclim Fee Finance Charges to the,'scar, purchase transaction category . However, of the special rate has been laninded under the Debdt Rate Plan. we leave fie unpaid balance of the balance transfer and the Balance Trader Transaction Fee Francs Charges in the applicable trarinalilOnh category udh the special rate wand have expired. For TOO (Tekcamnwrications Device for do DeaQ assistance, call 1400-347-7449. Discover may morWOr ardor record lekplwrna cats between you and Discover represadatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OIT13KI07 New Balance j Minimum Payment Due DISCOVER $2,577.52 1 $99.00 Payment Due Date May 22, 2007 23 SDSN6A010007631 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Account Number ending in 4075 Ender Amount Enclosed Below $ Please make check g?w6Ite to Discover Platinum Card or ppaayy online Discovercard.eom. A portion j( ?12?0.81) of the ovsrlimit amount has been added to your minimum payment. Pay your minimum . and Mile ;=mmg orsrhmt information more secure with password- protected staternents only you can access. Learn more at discover corn1paperless. PO BOX 71084 lllnssll"nnnlnlnsllr.lrl' CHARLOTTE NC 28272-1084 Address, e-mail or telephone charge? Print change in space Ifill llulrnII)lurlloll InrllIloll lrrlrrlr?llnlnloll rlrr(I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235025775200100000009900 Discover Platinum Card Account Summary Closing Date: April 23, 2007 page 1 of 1 Account number ending in 4075 Previous Balance $2,589.41 Payment Due Date May 22, 2007 Payments And Credits 100.00 Minimum Payment Due $99.00 Purchases + 49.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance drorges + 391) Cash Credit Available $0.00 New Balance 5237.52 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance S 1.55 New Cashback Bonus This Period + 0.00 Cashbodc Bonus Balance $ 1.55 ,Cashback BonusHP Anniversary Month: December Cashback Bonus(R) is America's #1 Cash Rewards Programs Full 5%Cashback Boras on Get More purchases in popular caale?goorr throughout the year and up to 1 % Cash6 xk Bonus on all your other purchases. How Can We Help You? 1 Visit Discosm can to pay yew b8 for s o cod, view latest Account information, earn and redeem rewards?and more It's your choice - 3 ways to help 2. Call 1-8004XSCOVER (347-2683) for last, easy sel6service 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 SON Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Tr ans. P Dwe Date Payments and Credits Apr 8 Apr 8 PAYMENT THANK YOU $ 100.00 other/Miscellaneous Apr 8 Apr 8 PAY BY PHONE PROCESSING FEE DBT 10.00 Apr 23 Apr 23 OVERUMIT FEE 39.00 "MA Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic POKENTAGE PSKENTAGE FRdAlHCE Fl j& Pla Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2562.00 0.04929% 17.99% F 17.99% $39.11 $0 Cash Advances $0 0.04929% 17.99% F 17.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important kdamation. It there is more Year one page to this biting statement, see the beck of each page for additional important adomurtion. See your Cordmember Agree merit Your Candmember agreement contains of the lams of your Account. Lost or stolen cards. Report nmediaely! Cat 140.347-2683 Biting Rights Summary. In Case of Enors or Owestiars About Your Bill: t you tinlc your bit is wrong. or t you need more information about a transaction on your bi- wife us an a separate sheet of papa at Discover PO Box 30421, Set Lake City, UT 84130-0421. as soon as possible. We mutest hear hen you no later than 60 days affer we said you the first bit on witch it* error or problem appeared. You can idephone us. but doing so will not preserve your rights. In you letter- give us the following wdomraion: You none and Account ranlber The dollar amount of the suspected aror Describe fhe eror and explain. it you can. why you believe there is an error If you need more idamafion, desube the ton you ore unsure abort. Youdo no( Novo to nay any amount in question whits we are nvesligating, bud you are still obligated to pay the pals of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action b soled the amount you question. Special Rate for Credit Card Purchases: t you have a problem with the quality of goods or services 69 you purchased with a credit cad and you have load in goad faith to correct the problem with the merdhod, you may not have to pay to mituar rg arrant due on de goods at services You have On pmfechon only when the purchase Pace was more ten SW and the purchase was meta in your hate stalls or within 100 miles of your moiling address. (It we own or operate the mordant, or d we naiad you the advaftanad for fa good or services, all the purchase we covered regardless of the amount or locahorh of the purdiase.) Payments. Send only you Payment and to by portion of the statement in the envelop provided. Do not send cash By sending you dhedc as described above, you audsom us to use nformafim on you clack to make and eledonx:lend Investor from you account at the bhencial ihsautiorh indicated an you dhedr or to process to payment as a dock transaction. If the Perot is processed as an electronic fund kareler, tee transfer will be for to amount of to check. When we use information Iran you dads b make an electronic fund transfer. kinds may be rohdrmen ban you acaoud as scan as the same day we receive you permit and you will not receive you dock balk from you financial awoubm The processing of you payment maybe delayed d you send cash, correspondence or other toms with your pernent. d you send the ptrynont to any otter address at d you use an envelope other than to ants provided. payments received in proper form at our processing too* by 5PM peal line on any day wit be aedded to you Accent as of flat day. Payments received at our l¦ g facility offer 5PM local time will be credited to yourAcco nl as of to nad day It you have misplaced you envelope. sad yaw payment b Discover, PO Box 6103, Cad Stream, IL 60197-6103. Please allow 7-10 days for delivery. t your payment is retuned unpaid, we reserve l he fight to reanlamt 4 as an electronic dele t. You can pay your minanrm payment or a greater amount over the tdepfione, and you can set tip sdo/atic pernats. Cat its at 140.3472683. You will reed Ifs sfatanat and you bmk account information. You must ensure that sulli ienn furls we oval" in your bunk emotes, and of transactions mist comply with U.S. law. You wit be asked b provide tte first 5 dip of you amours shdvnmt ZIP node. By er" nose numbers as you dockoric signature, you will be agreeing b this audorizaticin to allow is and your bat to deduct each panes you autme from your bock account. and b iibst s debit or credit entries to you bank amours. as applicable, b cared error in the prooesa. Of such payment. You mast lei ors the amount d sedh peymad, or you can select an amavM such as Itfuimm Payment Due or the New Balance an each stalenord. You an cmod a payment, hnrever we must receive nobcs at Nest drm bmtiross days in advance of the sdadded payment. You may ncliy in by phone at 18"7-2683 or by mall at tuts address ksled in the previous paragraph. K you permits may vary in anoas we will let you an each monthly aamord vion you payment will be made and how mach t will be. - You Aubmaic payment amount may be less tan the radiated an the monthly statement based on credits or payments applied demg the billing cycle Cm& Repmtng- We may report inlanhanon about youacco nl to credit bureau. Late paynals. missed payments, or oYor debuts onyour ammrs may berefected n you credit report. We normally repod to stales and payment hammy of your Amount b as& reporing agencies each month. I you believe Yhal our report is naocuoe or inmmpids, please write us at the labwimg adder: Discover, PO Box 15316. Wilmington, DE 19650-5316. Please include you name, address, hero telephone runber and Account amber. PERIODIC FINANCE CHAGES. Periodic Rana Charges are imposed on all aaaacb= lean to doe the kaheachorn a posted b you Amarf un l the dale you pay you entire New Balance, by making payments or reoeiving aedss. However, we will provide the following -grace period" t you paid to New Balance on your pervious b* gsbW and by the Parrot Due Doe shown on that statement. and you pay de New Balance by the Paynom Due Oats on Phis statement we will not impose Periods From Charges on new purchases, that is, puidases test appearing on this staem n t OYorwoe. you will receive a biting statement next mordh that includes Periodic Fiance Charges on terse new purchases. Thee is no gram period on balance transfers or ash advances. We acct your ba sactions after groups of purchases, cash advances. and balance trawlers and ton further sad the aaaactiems within each grail by their Ann al Percentage Rate. For example purchases subject to a pramdiond rate and purchases subject to standard rate world be separate groups We refer to these groups as trarnseciorv alego ties. At to end of each tiling period. we compute Periodic Finance Charges for each day of fa billing period for each transaction alagayc We use to lofowir g equation to co mhprte Periodic for each bansection caagay Average Daly Balance x amber of days in to bring peiod x Daily Periodic Role. (See to finance charge summary on you statement for these amAirds 1 Then we add up the Periodic Finance Charges for each transaction category to gal the toed Periodic Frumoo Charges for you Account. The average Dahl Balance is shown as zero s, because al fa grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use de Average Daly Balance (including new ban loci ms) noted of calcraleting the balance upon which we impose Periodic Finance Chagas We mmpude freAvaage Daly Bear" for each transaction alegay by adding tip all to daily bdohoes in a bring period lot a transaction ategay and dividing to total by the nmba of days in to big cycle. We cmphte to daily bdanm ter each transaction ca"M on each day by Est adding to bl milg to the previous day's daily balance, transactions made doll day, fees charged Una day and Peradc Fnvhce Chogea acoued ontot day to kaoadnm is posted to yourAccohrn after to dose of to big period in which it occurs, we will Ireal to Irvhsadon as having occurred on the fra day of the biting period in which it is posted to you Amourd- AH fees l?wp are added to to standard pudose transaction category wdv to exception of Cash Advance Transaction Fee Finance Charges whiten we added to she dlfce transaction, category and Balance Transfer Transaction Fee fwhmoe Charges which are adfad W the applicable balance transfer trvasbn category When the special rate expires. we move to unpaid balance of to balance troofor and the Balarioe Transfer TraaaLon Fee From Charges to the standard purchase kaoacbm category. However, f the special rate has been se minded under tie Default Rate Plan, we ban the unpaid balance of the balance transfer end the Balance Transfer era socfion Fee Finance Charges in to applicable banhsactiorn category ud fe special tae would have expred. Fa TOD (Teleconmulcadons Device for the Deaq assistance, call 1a0t-347-7449. Discover may monde andlar rend Idephow cats beMeen you and Discover representatives for quality s9ralte purposes The Discover" card is issued by Discover Bank. Maribor FDIC. OITBK107 DISCOVER $2,57`° 23 SDSN6A01 0007632 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $98.00 Enter Amount Enclosed Below Payment Due Date June 22, 2007 Please make check payable to Discover Card or monline 0 Discovercard.com. A portion been added it t h 90 f th li amoun as e over m ) o . to your minimum payment. Poy r minimum t ; d h amoun . t e remaining r. wnwt an Go paperk. and makeynur acx:ount intarnuition more secure with password- protected statements only you can access. Learn more at discover conVpaperless. PO BOX 71084 Illrrrll"rhrlrlhrll"I'I'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lulhllulurlrllurlu?hlnh?l?lnr?nlnlulln?n?nlrlrr?) above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458999668235025641700100000009800 Discover More Card Account Summary Closing Dub: May 23, 2007 page 1 of 1 Account number ending in 4075 Previous Balance $2,577.52 Payment Due Date June 22, 2007 Payments And Credits 100.00 Minimum Payment Due $98.00 Purchases + 49.00 Credit Limit $2,300.00 Cash Adwnces + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 37.65 Cash CredirAvoilable $0.00 New Balance - $2,564.17 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonus! Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 Cashback'BanLvOrAnniversary Month: December Cashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5% C ishbock Bonus on Get More purchases in popular categories throughout the year and up to 11% Ca3h6ack Bonus on all yaw other purchases. How Can We Help You? 1 visit DF inli to pap yarn 6I dr no cam, ?•wrds and more ksfest Account inForrrhation, cam and redeem rehhw It's your choice - 3 ways to help 2. Cal 1400 DMOVER 1347-2683) 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 Sal take City LIT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Post Trans. Da te Payments and Credits May 8 May 8 PAYMENT THANK YOU $ 100.00 01hsr/Miscellaneous May 8 May 8 PAY BY PHONE PROCESSING FEE DBT 10.00 May 23 May 23 OVERUMIT FEE 39.00 F%Mkharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FMNANCE FRNANCE Babnces Rates RATES RATES CHARGES CHARG5 current billing period: 30 days Purchases $2547.83 0.04929% 17.99% F 17.99% $37.65 $0 Cash Advances $0 0.04929% 17.99% F 17.99% $0 s0 The rates that apply to your Account are either fixed (F) or they may vary M as rated above. Important bdamodon. K Mere is more Ow one page to Stn b& V stalemerd, see the bads of each page for additional important information. p See you Cardmember Agreement Your Cardmember agmemerd contains all to two dyer Accouw. Lost or stolen taco. Report sraneciataly! Cal 1504347-2663. 0 BiNkg Rights Su army. It Case of Enure or fkestionsAbaA Yar Bill: Ifyou Ink your bill among, or gym need more i ormaton about a transaction on your bi, write us on a c0 separate sheet d paper at Discover, PO Box 30421, Sall lake City, UT 841340421. as soon as possible. We must hear Tern you nolater then 60 days aka we serd you the final nil on which the error or problem appeared. You can telephone us, but doing so wd not preserve your rights. In your fader. give us the falowig information: -4 • You name and Account number O The dollar amaat of the suspected error V Describe the error and explain, h you can, why you believe tae is an error If you need more infamsbon, desatbe the de m you are unsure about You do not have to pay any wou i in question while we are investigating, bud you are Still obbgabd to pay the parts of you bill that are rat in cluestion While we investigate. you question, we cannot report you as delinquent or take any action to called to amid you question. Special Rate for Credit Card Purdrasew If you have a problem wqh the quefdy of goods or services to you purchased wO a creme card and you have triad in good b& to oared the problem with the verdant, you may not have b pay the remaining amount due on the goods or services. You have to protedrm only when Be purchase pnce was more then $50 and the purchase was made n you home side or within 100 miles of your makig address. (t we awn or operate the maidad, or K we mailed you to advertisement for to good or services, all the purchase are covered regardless of the erriout or tocefar of ft purchase.) Payments, Send only your payment and the top portion of the statement in the, orwelop provided. Do not send cash. By sending your check as described above, you adirize in to use wilmuitan on your check to make and electronic lead transfer km you emo nil at In financial nsttu4m ndinbd on your cedc or to process the payment as adedc transedim. If the payment is processed as an electronic kind transfer, the transfer will be br the errount of the dark When we use idometion from you deck b metes an electronic fund transfer, funds may be withdrawn from your aooout as soon as the same day we receive your payment, and you will not recxme you check back tan you financial inatution. The processing of-your payer maybe delayed if you send cash, correspondence oraleritems wthyour payment. 4you send de payment to any other eddes, mrityauhse en envelope other ten the one provided. Payments received it proper form at our processig facility by 5PM local time on any day will be credited to your Account as at that day. Payments received at our processing facility after SPM local we will be credited to your Account as of the next day If you have misplaced your envelope, send you payment to Discover, PO Box 6103, Carol Stream, HL 60197-6103. Please slow 7-10 days for delivery. K your payment is rearmed aped, we reserve the right to resubmd t as an electronic debit. You can pay your minnwm payment or a greeter anent ow the Wephore, and you can set hp autmakc payments. Cal us at 15043472683. You will reed to selelrer .aid you bark account irdorma5m. You must ensure tlhat shdficiaq fads are available in your bade account. and all transactions must comply with U.S. law. You vril beaded b provide the fast 5 don of you amount statement ZIP code. By entering Lose embers as your electronic signature. you vd be agreeing to to euwhofvation to allow as and yaw bad to deduct each payment you authorize from your belt eoco" and to Male debit or credit entries to you bank aooaro, as applicable. to cored error in the proonsvg of such parent. You must let its the amount of each papoixt, or you can select an anrart such as Warn m Payment Due or the New Balance on each sWeaent You can sand a payment however we must revive notice at least twee business days in advance of the scheduled paynart You may notify us by phone at ISO-317 2683 or by nail d the address listed in to previas paragraph. I your payments may very in wo d we will *1 you on each morntdy statement when your payment will be made and how much t will be. Your Aulomurk parent amount may be less ten to indicated on the monthly staternent based on credits or payments applied drag the billing cycle. Credit Reporclg. M may report inbimation about your socount to credit burnous. Late payments, missed payments. or am defeub on your account may be Fellecled in your cm& report. We nanaty report to a" and payment haloxy of your Account to cede mporlig agencies each month. If you believe tal our report is maoaaale or mmmpleM. please ate us at to btowimg address: Discover. PO Box 15316. Wikniglm, DE 198545316. Please include your now, address, home telephone mnber and Accord amts. PERIODIC FIUINCE CHAGES. Periodic Fmmce Charges are imposed on all transactions from the date the transaction is posted to your Account unY to dick you pay your entre New Balance, by making payments or receiving crafts. However, we will provide the fotowng'grnce period' t you pad the New Balance on your pamyiats big stedane t by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on dr a statement we will not impose Perak Ivence Charges on new puc ases, Bud a, puideses first appearing on this statement. Otherwise. you will receive a biking statement next month dot includes Periods Finance Chagas on tale new puideses. There is no grace period on balance transfers or cash advances. We sort your transactions into gaps of p rdeses: cash advances, and balance trarmlera and ten further sat Ina transactions sultan each group by lei And Percentage Rale. For example purchases subject to a pmmobonal rate and purchases subject to standard rats would be separate gaups. We refer to these gouts as tramacion categories At the end of each big period, we compute Pe ac : finance loges for each fry of Me big period fa each transaction category. We use the blamg eghekm to co puts Periodic for each transaction cakgcry Average Daly Balance x amber of days in the biting period x Deily Peak Rats. (See the bane cage sunray on you statement for these amounts.) Then we add up Me Periodic Finance Chagas for each transedon category to get the total Periodic Finance Gages for your Account. The average Daily Balance is shown as zero K. because of the grace period, no Perbdc Fiance Charges apply b the balance in a transaction category. We use to Average Deily Balance (m:kdig new transactions) meted of calculating to balance upon which we impose Periodic Haas Charges. We am" No Average Daly Balance for each trenseckm cxwegory by adding Up all the daily balances in a billing period for a transaction category and dv*g to tad by the number ofdeya in to big cycle. We compute Ie daily balance fa each transaction category on each day by first adding to blowing to the previous days daily balance. transactions made td day, fees charged that day and Periods Fiance Charges accrued on to day. to transaction is posted to you Account after to dose of Ie bring period in which it occurs, we will tow Ie transaction as having occurred on to first day of the billing period in which it is pasted k your Account. Al aPpaaoe cig a arras l she added b the duWwd pacese tmuchon categorywth the esoepfm of Cash Advance Transaction Fee Friarm Chagas which are added to the ap?l obbTe- Tahoe transecaon category and Balance Trash Trarsacim Fee Faeroe Gages which are added soft applcabfe balahoe baser Yarsacim category. When the special rate expires, we move the upaid balance of the balance transfer and the Balance Tarsfa Transaction Fee Fwence Charges to to star , pudese transaction category. Iiawever, if tie special tale has been terminated under the Del" Rate Plan, are leave the unpaid balance of the balance transfer and to Balance Trahsla Trasacion Fee Finencce Charges in to applicable harsadbn category we the special rate watt have expired. For TDD (Telecommunications Device for the Deaf) assistance, all 1404347.7449. Discover may monitor sofa retard Wephone cats between you and On-- representatives for quality assurance purposes The Discover- card is issued by Discover Bank, Member FDIC. OITBK107 DISC("'VER New Balance Minimum Payment Due; Account Number ending in 4075 $2,706.04 j $177.00 Enter Amount Enclosed Below Payment Due Date - $ July 22.2007 Please make checks to Discover Card. You are overlimit. oP y the sum of the monthly minimum payment plus the overlimit amount of $406.04. 23 SDSN6A0f 0007633 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Go paperless and make your acem" information more secure with pessword- reaected statements only you can access. Learn more at discover conVpaperless. PO BOX 71084 Illr,.llrrrul.l..llrslrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changel Print change in space lu?r((n)If rlrllmlu(m)um(Illnm)n)n)ulln)nlulminll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235027060400000000017700 Discover More Card Account Summary Closing Date: June 23, 2007 page 1 of t Account number ending in 4075 Previous Balance $2,564.17 Payment Due Date July 22, 2007 Payments And Credits 0.00 Minimum Payment Due $177.00 Purchases + 78.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Fin Charges + 63.87 dash credit Available - $0.00 New Balance = $2,706.04- You may be able to avoid Periodic Finance Charges, see Ilene reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Bdmce $ 1.55 Cashback Bonus® Anniversary Month: December How Can We Help You? 1 Visit Discover corn to pay year bA for no cosy viewyou r latest Account information, ear and redeem rewards and mare It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy W14service 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 Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guamntee Use your Discover Card with confidence. Trors. Post Date Dale Other/Miscelaneous Jun 23 Jun 23 OVERUM1T FEE $ 39.00 Jun 23 Jun 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. W Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee y Periodic PERCENTAGE PERCENTAGE FM1ANCE FINANCE go Bksncss Rates RATES RATES CHARM CHARGES current billing period: 31 days Purchases $2594.93 0.07942% 28.99% F 28.99% $63.87 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they, may vary (V) as noted above. Important Information. If tare is more than one page b on billing statemard, see de beds of each page for additional important idomation. Sea your Canmemmber Agreement. Your Cann ember agreement contains all the tems of your Acoiount. Lost or stolen cards. Report rnned elely! Cal 14IW-347-2683. Bong Rlglhts Summary. In Case of Emors or Gluestona About Your Bill: If you donk your bill a wrong, or if you need more inlonnaom about a transaction on your bill, ante ce on a separate street of papa at Discover, PO Box 30421. Sall Lake City, UT 84130-0421. as soon as possible. We must bear from you no Dater been 60 days offer we sent you the list bill on which the aror or problem appeared. You can telephone us, but doing so will not preserve your 46. In you left, give us the fdo of g i lormatim: Your row and Account number The dole amount of the suspected anon Describe the error and explain, 0 you can, why you believe these is an enc. t you need more mlomafon. describe The dem you are unsue abort Ycudo not have to pay any anourd in quesbm white we are nvestigairg, but you aresttobigated to pay the parts of your bill Mare not in gLmbm. V"e we investigate yw question, we carwwl report you as delinquent or take army action to coped the mom you question. Spada) Rate for Credit Card Pueheses: t you have a problem wile the quality of goods or services Oral you purchased with a credd card and you have vied o good fade to cared the problem with the merchant, you may not have to pay to remaining amount due an the goods or services. You have On protection orgy when the puchese pace was more than $50 and to purchase was made in your home state or within 1M miles of your maiirg address. (t we own or operate the memlo nt, or l we maned you the advaYsemenl for the good or services: all the purchase are covered regardless al fire amount or location of die, purchase.) Payments. Send only yam payment and the by portion of the statement in the envelop provided. Do not send ash. By sending your cads as described above. you authorize, us to use nfannaim on you check to make and electronic kind transfer iao your account at the frmxial iMiiAim indicated on your ciedn or to process to payment as a check transaction. H the payment a processed as an electronic l arid tranuler, the transfer will be (c the amount of the check. When we use itamaton from your d" to make an electronic lead bansfir, howls may be wnldrown from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial ihsttiAion. The proceswg of your payment maybe delayed it you said c3* cmespo dence orutha Aeons with your payment, if you send the payment to any other addressor if you use an envelope filer than the one provided. Payments received in proper fain at our processing facility by 5PM local time an any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local tine will be credited to yourAccour as of the next day. 0 you here misplaced your envelope. send your payment to Discover, PO Bak 6103, Cad Stream. IL 60197-6103. Please allow 7-10 days for delivery. 9 your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your maintain payment or a greater amount over the telephone, and you can setup automatic: payments. Cal us at lAO- 472683- You roll need this statement and you bank account ilormeion. You must ensue trot su8ndaq finds are available in your bank accent, and all transactions must eomplywith U.S. law You wi be ado d b provide the first 5 digits of you accent statement ZIP code. By enteekg t how numbers as your electronic sgeire. you will be agreeig b this artha¢aim to allow us and your bank to deduct each payment you aAignze tram you bar* account and to iuAiele debit or credit entries to your bank accent, as applicable. to cared error in the processing of such payment You mat let us the amount of each paymerd, or you can select an ahharnt such as Mlramnn Payment Due or the New Balance on each didemenl You can canoe a payment, however we mutt receive netse at Meg tree business days in advance at the scheduled parts. You may nobly us by phone at 1 D-347-M or by mad at the address listed in the previous paragraph. t your payments may ray n amour we will tell you on each mortny statement when your payment will be made and how mach t red be. You Aulaneic payment amount may be less than doe ndraid on the cranny stellement based on credits or payn en6 applied dung the telling cycle Credit Reporting. We may repot information about your account b credit bureaus. Late payments. missed payments, or odour dah db on your account may be relleded in your credit report- We normally report the stair and payment history of your Accent to aedd tepoutirg agencies each month. If you believe tap our report a inaccurate or incomplete. Please write lea at the following address: Discover. PO Box 15316. Wilmington, DE 198545316. Please ihdnde your name, address, tome telephone rermbaandAccount numberc PEWOOIC FMMCE CNAGES. Periodic Fiance Charges are imposed on of trasacio s from the date the tratsacl on is posted to your Account until Bar dale you ray your entire New Batance, by male g payments or receiving credits. However, we will provide the lotowing'grace prod' 9 you paid the Now Balance on your pervious big statement by the Payment Due Date slaws an doe saternem. and you pay the New Balance by i * Payment Due Date on this statement we will not wpm Paniock Fiance Changes on new Purchases. OW is. purchases first apposing on this statement Otherwise, you will receive a big statement next month tar includes Periodic Fiance Charges on those new purchases. There is no grace period on balance transfers or cash advances- We sat your transactions into groups of pure ases, ash advances, and balance traslem and dam holler sort fie transactions within each group by then Amid Percentage Rate. For example purchases subjed to a promotional rate and protases subject to standard rate would be separate groups- We refs to these grails as transaction categories. At the end of each big period, we compute Periodic Finance Charges for each day d the brut period for each transaction category . We use the following equsbomb am" Penodic for each transaction category. Average Daily Balance x rarriber of days in the telling period x Daily Periodic Rate. (See the finance charge summary on your statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to 9d the West Periodic Fiance Charges for your Account The average Daly Balance is shown as zero 1, because of doe grace period, no Periodic Finance Charges apply to doe balance in a transaction category We use the Average Daily Balance (including new trasactias) meted of calculating the balace upon which we impose Penodc Finance Chagas. We ow" theAverage Daly Balance for each transaction category by adding tip all the defy balances in a bing period for a transaction category and dwrdxg to lcal by the umber ddsys nth* billing cycle. We compile the daily balance for each tronsactien cetegmy on each day by first adding the blowing to the previous day's daily balance. Yasedions made that day, fees charged the day and Periodic Finance Charges accrued on that day 8 a transaction is posted to your Account aka doe dose of the billing period in which d occurs, we will heat the transaction as hevig occurred on the first day of the billing period in which t is posted to your Account. Al lees count are added to the standard purchase barsadon category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the apo crib ace transaction category and Balance Transfer Transaction Fee Rance Charges which we added b the applicable balance transfer Imi sec ion coMM When the speed rate experes. we more the unpaid balance of the balance transfer ad the Balance Trash Thorsection Fee Finance Charges to to she died purchase transaction category. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of die balance transfer and the Balance Transfer Transaction Fee Fiance Charges in the applicable, transadiom category until bie special kale want have expired. For TDD (Tel communkatorte Device for the Deaf) assistance, cal 1400.347-7441: Discever may mom. adla heard teletow a calls between you and Discover representatives for quality assurance purposes The Docuvene card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER Now 0.2 Ce 23 SDSN6A01 0007634 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $258.00 Enter Amount Enclosed Below Payment Due Date $ August 22, 2007 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $510.23. Go paperless and make your account information more secure with password- protected statements any you can access. Learn more at discover comfpapertess. PO BOX 71084 IIIwIIrrr.,Llrrllrrlrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Inlelluluelrllurlulrlnrllllurlnlulnllnlnlnlrlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235028102300000000025800 Discover More Card Account Summary Closing Date: July 23, 2007 page 1 of 1 Account number ending in 4075 Previous Balance $2,706.04 Payment Due Date August 22, 2007 Payments And Credits 0.00 Minimum Payment Due $258.00 Purchases + 39.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 65.19 - - -- Cash Credit Available $0.00 New Boone $2,810.23 You may be able to avoid Period ic Finance Charges, see the reverse side for details. Cashback Bonuse Cashback Bonus® Anniversary Month: December How Can We Help You? It's your choice - 3 ways to help Phase have your Discover Card availoble. For TDD (assistance for hearing impaired) we reverse side Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period ± 0.00 Cashback Bonus Balance i 1.55 1 Visit Discaver coin to pay your bill for no cost, view your latest Account information, own and redeem rewards and more 2. Call 1$00-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date 0111eer/M6ceNorneous Jul 23 Jul 23 LATE FEE $ 39.00 Information for You Your Account is overlimit. While we are permitted under the Cardmember Agreement to charge you an Overlimif Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the dose of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Ovedimit Fee section of the Cardmember Agreement or 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. AA%WCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee CENTAGE lNANCE Boldnces Rapes uc RRAATEESS RRAATES CENTAGE FCHARG 5 CHA FINANCE current billing period: 30 days Purchases $2737.42 0.07942% 28.996 F 28.99% $65.19 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as rated above. Important Information. N there is more than one page b this bang statement see the bade of each page br additional inpotarnt nkrmaticn. See your Cardmember Agreement. Your Cerdrember agmernerd contains all the turns d your Acoaaht Lost or stolen cards. Repot i radidely! Cal 14600-347-2663. Sitting RW to Summary. In Case of Errors or questions Abed Your Bi: N you Minh your bill is wrong, or if you recd more i kimabon about a transaction an your bill, write us ah a 4130-0421. as soon as posskle. Vila must hear nom you no W" can 60 days saw we sent you to bat bill separate shed of paper at Discover, PO Box 36421. Salt Latta City, doing UT;6 on which to ale or problem appeared. You can !elephae us, but so will not preserve your ngfofs. It you letter, give us the following n(armaeem You name and Account number The dollar amount of the sued ants Describe the error and explain. I you can. why you Wkeve Care is an error. N you reed more idormabon, draft to dam you are usue eboul. ..YetdDrhmt have to pay any amount in question oche weare.¢westigeft old yxsarastlaHgele b pay the parts d yourbd hat are rain question. While we i vesfgele you question, we amrot report you as de mow or lake arry action b collect Me amount you u}esYw . Special Rate Mr Credit Card Purdwes: If you have a Problem with the quefty of goods or services to you purchased with a credit and and you have died in good lih b correct to problem wdh the mrchad, you may nut have b pay the remaining amount due an to goods or services. You lave In protection any when the purchase, pare was more has $50 and the purchase was muds in you hone state or vide n 100 miles of yaw mailing address. tNwe own or operate Me madsnl, or if we maned you to advrisenem for to good or services, all the prrc ese are covered regardless of l he anent or location of the prdhase.) Payments. Send only your payment and the tap portion of the statement in the am" pmvtded. Do not send cash. By sending you check as described above. you a d prize nor to use inamatirn on your deck to make and electronic cud I ans(rborn yaw accent at the fihahoal ihsMhian is6ded on you cock or b process the paymed as a deck transaction. Nthe peymrd is processed as an electronic find transfer, the Weeks will be IN the amount dto cedr When we use information from your dedk to mole an electronic cud tansk:r. lends may be withdrawn lean you account as soon as the same day we receive your paymeK and you well not receive you deck balk Aran you financial eisul tion. The processing dyour payment maybe delayed it you said ash; earespanroe or oMar amunlh your paynrd. if you sad the payment b any other address or 9you use an envelope other than the one provided. Payments niceared in proper form al err processing fadty by 5PM local kite on arryday will be aerated to your Amount as of that day Payments received at our processing facility abler 5PM teal am will be credited to yourAmraa as d the rod day N you here misplaced your envelope, sod War payment to Discover, PO Box 6103, Card Stream. IL 60197-6103. Please allow 7-10 days for deanery C yam payment is warned unpaid. we reserve the righnt to resui ni it as an electronic debit You can pay your minimum payment or a greater amont over to telephone, and you an set up a lonak payments, Cal us at 14003472683. You will mead Cis statement and you bank amount ifarnsemon. You must ensue Cho s licird bids are t cable in you bank emrat. and all kwascho s rust comp y with U.S. Weer You vri be asked to prmide the fret 5 digits of you eccewt shMmnf ZIP code. By enle* tale mrnbers as your electorie sigrohre. you will be agreeing b ft autha'rre6m to slaw us and you bank to deduct each payment you authorize Iran you bank accent and to nitiale debit or credit entries to you bank account as applicable, to carted error in to proces ong o (such payment You must let us Me wow of each psymeK or you can select an amount such as Munson Payment Duce or to Now Balance on each sidemeeL You can cancel a payment, hmwevar we must receive notice at least tree b mess days in advaoe of the sch dried payment You may nobly us by phone all f ADW-2683 or by mad at the address bled in the previous paragraph. I your papmedsmay vary in arrows we will tell you on each nardlty statement when your payment will be made and your much A will be You Aubmetic payment amount may be less ten to indicated on to merely staternra based an credits of permits applied during the billing cycle. Credit Reporting. We may report information about your acorn to credit bureaus late payments. mussed payments. or nor defaults on your socount may be reflected in your credit report. We normally report t e stabs and payment Mabry of your Account b oedii reporting agencies each mterlil N you balteve Mal ohr repot n rmce a iocnplete, please write a all the lolowig address: Discover. PO Box 15316, W kningion, DE 19650.5316. Please include your name, address. Mane Wephoro rarnber and Account number. PERIODIC FMIANCE CHAGES. Pa1odC Fiance Charges are imposed on all transactions km the data the transaction a pasted to you Account until the deb you pay your solve New Balance, by making payments or receiving credits. flw er, we wi provide to fallowing -grace penod' N you pad der Now Balance on your pervteus bffi% statement by to Payment Due Date shown on to ddb m ent. and you pay the New Balance by No Paymad Due Odeon Ns slalrnrt we will not impose Periodic Haas Charges onhew purchases, that s, purchases first appearing on On statement. Olawise. you will receive a billing statement halt meth to includes Periodic Hama Ctrages our toss now purchases. Thee is no grew period on balance Masters or ash advances. We sort your basacars into grails dpudases, cash advances, and balance traekra acrd ton enter sort Me session w0m each group by ibe rAma Paanlg@ Rate. For example purchases subject to a promotional rate and puadases s *ct to standard rate would be sepaae gaps. We refer to hose gaps as transaction categories. At to end leach b ilig period. we compute Periodic Finane Charges for each day d to bdm period for each Vasa bm ategory We use to blowing eynretion to mmplle Periodic for each transaction category Average Daly Balance x number of days in die bibg priod x Daily Periodic Rate. (See In Ina ce dirge summery on your statement Aor these emourhte) Then we add lap the Periodic Fiance Charges for each transaction category to get to toll Periodic Fiance Charges for your Account. The average Deily Balance is shorn as zero it, because of the grew period. no Periodic Finance Chagas apply to tlro balance in a transaction category. We use he Average Daily Balance (rrchxlig new, traraaGas) method of cxtaiaYg to balance upon which we impose Periodic Fnacee Ovarges. We eomplrb to Average Daily Balance IN each transaction cmagory by adding tip all the daily balances in a billing period IN a traoaa0tirn category ad dlvidrg to toll byte number of days n to bli g cycle. We compete to daily balance for each transaction category ern each day by first adding the", - g b Me previra day7s daily balance. Iansactions made Mo day, tees caged that day and Periodic Finance Charges accrued an that day. No transaction is posted In your Auxad alter the dose of** billing period in which it occurs, we will VeM the transaction as having occurred on the first day of to billing period in which ass posted to yourAocour Al III are added to to standard purchase transaction category wM to exception of Cash Adwance Transaction Fee Finance Charges wdich are added to the ap tasadion category and Balance Tmmsfer Transaction Fee Fiona Charges which we added to the applicable balance I vislar Iaesichon category. When to special rate expires. we move the unpaid balance of the balance Irahster and the Balance, Render Transaction Fee Finance Charges to the slsNsd puc arse trasacaah afegay However, f the special rate ties been terminated under the DeluM Rate Plan, we leme to unpaid balance of the balance trash and the Balance Theater Transaction Fee Fiance Charges in to apps cebb transaction category until the special We wand here expired For TOO ITelecaarmuntatlsa Devke for the Dorf)..Mst., nut /4W347-7449. Discover may mo ilor andtor remrd teephoe cab bd~ you and Discover representatives for quality assurance Purposes The Discover- cad is issued by Discover, Bank, Member FDIC- OiTBK107 DISCOVER $ 6Now 3104 ance 23 SDSN6A010007635 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $79.00 ! Enter Amount Enclosed Below Payment Due Date $ ?- l September 22, 2007 Please make check payable to Discover Card. P hl y Nro sum of the mori y You areoverlimit. a minimum payment plus the overlimit amount of =331.04. Go paperless and make yarn accord information more sectre with password- protected statements only you can access. Loam more of discover conrpaperkss. PO BOX 71084 11111 '11"aa.l.l.sll"I'I'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1111a11111nr1r1111r1111r1h1111111111111sell 11111111111111111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235026310400000000007900 Discover More Card Account Summary (losing Dale: August 23, 2007 page 1 of 2 Account number ending in 4075 Previous Balance $2,810.23 Payment Due Date September 22, 2007 Payments And Credits 258.00 Minimum Payment Due $79.00 Purchases + 10.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 68.81 Cash Credit Available $0.00 New Balance $2,631.04 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance i 1.55 New Cashback Bonus This Period + 0.00 Cashbodc Bonus Balance $ 1.55 Cashback Boning Anniversary Month: December Cashback Bonus(R) is America's #11 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 Het You? 1 laVisittest Discover wn to pay yaw bi far no `ei vial" ynr?r p Account information, earn and redeem =and man It's your choice - 3 ways to help 2. Call 1-8004XSCOVER (347-2683) for fast, easy solkervice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us d Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. PDat Payments and Credits Aug 18 Aug 18 PHONE PAYMENT THANK YOU $ -258.00 Other/Miscellaneous Aug 18 Aug 18 PAY BY PHONE PROCESSING FEE DBT 10.00 Information For You Your Account is ovedimit. While we are permitted under the Cardmember Agreement to charge you an Overlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your outstanding Am F glance exceeds your Account credit limit. See the Ovedimif Fee section of the Cardmember Agreement for details. Discover Financial Services is proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Consider donating your Cashback Bonus(R) to JDRF and you can help fund research to find a cure. To further your donation, Discover(R) Card will add an additional 20%. Visit Discovercard.com important information. If there is mote den one page to the billing statement, see the back of each page fa additional important information. See yotr Cardlmernber Agreement. You Cardmember agreement contains all to terms of your Account. Loot or stoke arch. Repot nmnediaW Cal 1 IW347-2663 Billing Rights Summary. In Case of Errors or Dueshoru About Your Bit If you think your bill is wrong, or t you need more i fomebon about a transaction on your bil, write as on a separate sheet of paper at Discover, PO Box 30021. Salt Lake City, UT 84130-0421, am soon as possible. We must hoer from you no later than 60 days after we suet you to first bill on which the error or problem appeared. You an telephone us, but doing so Ad not preserve you rights. In you letter, on us the folowm information: You name amdAccount number The dollar avant of the suspected error Describe the error and explan, d you can. why you believe there is an error. I you need more information: describe the Hero you are unsure abode You do not haw to pay any amait in itueslon while we are invesfigatirg. but you are stir obligated to pay the parts of your bill that are not in question. White we swesigale you question. we cannot report you as dekquerd or take any action b cdled the amount you quesion. Special Rate for Credit Card Purchases: If you have a problem with the quality, of goods or services Met you purchased with a credit cad and you have lied in good to& to correct the problem with the mordent, you may not have b pay the remaining amount due on the goods or services. You hue this protection only when the purchase pace was more Mom $50 and the purchase was made Or you bonne state or within 100 miles of you mailing address. (If we own or operate to merchant, or if we meted you the advertisement for the good or services, of the purchase ere covered regardless of the amount or location of to purchase.) Payments. Sad only your payment and the by portion of the staternerd in tie envelop provided. Do not send cash. By sending your deck as described above, you aulloixe us to use adametlah on your deck b make and electronic lard transfer from your amount at the financial inOhtion indicated on you cnerlm or to process the payment as a deck transaction. If the payment is processed as an electronic kid transfer, the transfer will be for it* amount of the dhedk. When we use informal on from you dad b nuke an electronic land hahsker, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive you died bad from your financial ihsttution. The processing of your payment maybe delayed dyou send cashr. cormsporderxe o oMa owwwnh you papod, t you said de payrrrerd berry chef eddrma d you tw a1 envelope War Man the one provided. Payments received in proper form at our processing faulty by 5PM local Mme on any day will be credited to your Account as of lid day. Payments moaned at our processing facility after 5PM local inns will be credited to your Accou t as of the nod day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stearn, IL 601976103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the night to resubmit it as an electronic debt. You can pay you minimum parrot or a greater amount over the telephone. and you can set up a lomabc payments. Cal us at 140(1-3472683. You will teed this stalanad and you bank account idomnetionh. You must ensure do sufficient kids are available in your bank aoootnt, and all tamsecfiars must eon4mly with U.S law. You will be aofred to provide the test 5 digs of you eocout statement ZIP code. By entering tease numbers as you electronic signature, you will be agreeing b this authorization to allow lea and you batik b dedrx each payment you audwize from your bank awont. and to irate debt or credit amines to you bank soeamt, as applicable, to oared error in the processing of stn payment. You must tell us the a mourn of each paymad, or you an select an amount such as Mknnum Payment Due or the New Balmoe an each statement. Vbu can cancel a payment, however we mist reserve notice at least dree laziness days in advance of to scheduled percent. You may notdy us by phone at 1400.347-2683 or by mail at the address kW in the previous paragraph. If your payments may vary n amount we will tell you on each mom" statement when your payment will be made and how much d we be. You Automatic parrot ammxri may be less then to mi icaled on the nnntlny statement based on credits or payments applied during to billing cycle, Credit Reporting. We may report indormbtion about you account to aedt bureaus. Late payments, missed payments. or other defats on you accout may be relecled in you credit report. We rormaty report the status and payrrot hatay of you Account to credit reporting agencies each motet 0 you believe del our report is inaocinehe on complete. plebe wire us at to following address: Discover. PO Box 15316, Ilitmigton, DE 19850-5316. Please nude yam name, address, lone telephone number andAccatnt number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions nom thedab the ransa " is posted b yourrArmont unlit to date you pry yaw entire New Balance, by makng payments or receiving credits. However. we will provide the fotowng'graee period' 8 you paid the New Balance on you pervious bag statement by the Parrot Due Date shown on that statement. and you pay the New Balance by the Payment Due Date on In statement we will not u pona Pack Finance Charges on new purchases, that is, purchases fast appearing on this statement. Otherwise, you will receive a billing stalwart next month diet includes Periodic Fiance Charges on (hose tow purchases. There is no grace period on balance transfers or rash advances. We sort you transactions into groups of purchases, cash advances. and balance transfers and ten further sad the transactions witdrt each group by that Annual Percentage Rue For example purchases subject to a prmmdiaW rate and purchases subject to standard rate wand be separate groups. We refer for these groups as transaction aksgonies. At to end of each billing paid, we compute Periodic Fiance Charges for each day of to b* g period for each transaction category We we to blowing equation to compute periodic for each transaction category. Average Daily Balwoe x number of days in ft biting period x Daily Periodic Rob. (Sea this finance charge s nnay on your statement for tome anouts ) Then we add up time Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for you Accent. The average Daly Balance is shown as zero n, because of the grace period, no Periodic Finance Chagas apply b to balance in a tranmac>im category. We use the Average Daily Balance (ndudng new transactions) method of cualaixg the balance upon witch we inpooe Periodic Fiance Charges We eommpule teAverage Daily Balance for each transaction category by adding up all the daily belanoes in a billing period for a tranaecran category and dvd %the total by the rumba of days in to biting cycle. We compute the dally balance for each transaction category on each day by first adding to following to the previous days daily balance. rahsaciahs made Mat dq fees charged Ma day and Periodic Finance Charges accrued on dot day If a transaction is posted to your Acoourt after to dose of the biting period in which t occurs. we will reef the trerawArin as having occurred on to first day of the btlig period in which a is posted to yore Aar:out. At fees *yy?? /tlwunI are added to to standard purchase transaction category with the exception of Cash Advance Transatim Fee Finance Charges which are added to gibs trasactian category and Balance Transfer Transactb Fee France Charges which are added b de applicable balance transfer transaction caksgM. When the special rate expires. we rove to utpad balance of the balance transfer and th Bohm Transfer Transaction Fee Finance Charges b the standard purchase transaction algory. however, d the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Tr afer base Lion Fee Fiha ce Charges in the applicable transaction category wit the specal rate would have expired. For TDD (Teleco nmunicatiom Device for the Decry assistance, call 1.800-347.7449. Discover may moritor andlor record bbplhore calls between you and Discover represanlatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER It pop to HIXSON, JOSEPH DISCOVER Account number ending in 4075 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up far Poperless Statements and you can help save over 70 mill-ion pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover com/pope less and sign up for Paperless Statements today. 02010 Dixo Bank, Member FDIC PPRGRN.0810 Dosing Date: August 23, 2007 page 2 of 2 barge Summary Nominal Transaction Average ANNUAL ANNUAL Periodic Fee Daily Parodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2795.84 0.07942% 28.99% F 28.99% $68.81 $0 Cash Advances s0 0.07942% 28.99`X. F 28.99% $0 $0 The rates that apply to your Account are either fixed (f) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347.2683). 8458833 DISCOVER $2,,59A New Balance 23 SDSN6A01 0007636 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due i Account Number ending in 4075 $78.00 Enter Amount Enclosed Below Payment Due Dale $ October 22, 2007 Please make check payable to Discover Card. You am overlimit. Pay do sum of the monthly minimum payment plus the overlimit amount of $296.42. Go paperless and make your account information more secure with password- protected statements orgy you can access. Learn more at discoveuconWpaperiess. PO BOX 71084 (??rn??n•n?r?nl?u?r?r? CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeY Print change in space (n?h((n(uh1111111111(r1hpoll IIpoll IRill h1lrh1hrlr,111gill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235025964200100000007800 Discover More Card Account Summary Closing Date: September 23, 2007 page 1 of l Account number ending in 4075 Previous Balance $2,631.04 Payment Due Date October 22, 2007 Payments And Credits 100.00 Minimum Payment Due $78.00 Purchases + 0.00 Credit limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $1,200.00 Finance Charges + 65.38 Cnsh Credit Available $0.00 New Balance - -? a $2,596.42 You may be able to avoid Periodic Finance Charges, see the reverse side for details- Cashback BonuSe Opening Carhbadr Bonus Balance $ 1.55 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 Cashbazk B usWAnniversory Month: December Cashback Bonus(R) is America's it Cash Rewards ProgramI Full 5% Cashback Bonus on Get More purchases in popular throughout the year and up to I% C?s c Bonus on all your other purchases. How Can We Help YOU? 1 Visit Discav rxcwn to pay your bit for rho cost, view your p kstat Account information, earn and redeem rewards and more Ctrs your choke - 3 ways to help 2. Call 1.8040ISCOVER (347-26831 for fast, easy seWservice options or to speak with a Customer Service Accourd Manager Please have your Discover Card avolable. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud LkdWiy Guarantee Use your Discover Card with confidence. Trans. DdePost Payments and Credits Sep 22 Sep 22 PAYMENT THANK YOU $ 100.00 Information For You Your Account is ovedimit. While we are permitted under the Cardmember Agreement to charge you an Civerlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Ovedimit Fee section of the Cardmember Agreement for details. "A*& Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE soldric? Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2656.16 0.07942% 28.99% F 28.99% $65.38 $0 Cash Advances so 0.07942% 28.99% F 28.99% $0 s0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above MnportaM Information. If there is more than one papa to this big statement, see the beck of each page for additional important Worr anion. See you Cardmember Agremunt. Your Cardmertber agreement contains all the terms of your Account Lost or stolen cards. Report i medidely! Cal 1$00-347-2683. Biting Rights Summary. In Case of Enors or Ouesmns About Yam Bill: t you tiidc you bill is wrap, or 6 you need more information about a liansacbn an your W, write us on a separate sheet o (paper at Discover, PO Box 30421, Sal Lake Ciy, UT 84130-0421. as soon as possible. We must (hear fan you no alter than 60 days after we said you the fret bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your nglha. In your bte, give to the blowing itbrnheon Your name and Account number The dollar amount of the suspected error Describe the error and enplan. if you can. wiry you believe there is an error. If you need more tdannabonh, describe the Aim you are unsure about Yat do not have to pay any srnotst in ghestim while we are irvesligaiing, but you are still obkgekd to pay the parts dvour bit that are not in question. WNe we investigate your question, we cannot repot you as denquent or lake any adorn to collect the arrasht you question. Special Role for Credit Card Purchases: If you have a problem with the quaky of goods or services that you puchsed with a credit card and you have tried n good halh b cored tie problem with the merchant, you may not have to pay the remswg amount due on the goods or services. You have In pnMecim only when to purchase, price was more than f50 and the purchase was made in you thane stale of within 100 cotes of your maikg address. (t we own oroperals the merdhard, or if we naiad you to advatsementfa the good or services, all toe purchase are covered regardless of the amount or localion of tie purchase.) Payments Send only your payment and the by pabon of the statement in the envelop provided. Do not send cash. By sending your d" as described above. you eralnr¢e us to use information on your check to make and elecirmc hid transfer from you account at the financial i slOlon irI I an you dodo a b poceste pepma s a dwde transaction. 8 the payment is processed as an elections; lend transfer, the tra sler wig be for to amount of Me check When we use information ion yam d" b maitre an electronic fin tresfer, fads may be w"awn born your account as soon as the saw day we receive yaw payment and you will not receive you dad bad from your financial ishbton. The prom-AM of your payment maybe delayed it you send cash, correspondence ordhw tiers with your Payment, if you send the payment to any ether amss or if you use an envelope other tan the one provided. Payments received in proper form at our processing holly by 5PM local law an sry day wt be credited b your Acoaahl s of fret day. Paynwhts received at mUf pouxssig leafy alter 5PM local bhewi be credited b yarAocaxt s d the next day t youthmo mggaced your swaloM sedyur psyrwd b Discover. PO Bak 6103. Cad Stream, K. 60197-6103. Please allow 7-10 days for delivery. t your payment is refarhed unpaid. we reserve tie right In resubnhi its an electronic debit You can pay your mini urn payment a a greeter amount over the teWicine, and you can set ap eulornec payer Cal us at 1400.7472683. You wit needle 'and you bank accent information. You must ensue that sufficient lends are available m your bank account, and all taneacio s wad comply with U.S. Ism. You wl baaalud to provide the fret 5 dgts of you acmud shlernent ZIP code. By erhtwig Lase rmadws as your electronic signal you wall be agora - g b to adlw®lion b allow in and your back b deduct each payment you authorize from you bwhk account. and b aiifale debit or serif entries b you bank account, as appgirabie, to tuned era it the promising of such paymner t You must tell us the amount of each payment or you can select an amount such as Mamurh Paymed Due or the New Balance on each statement. You an conical a payowt, however we east receive now at lest three business days in alvafaeof to sdnedihd payment. monthly may natty us by phone at 1-W317-2683 or by mat at the address listed in tie previous paragraph If your payinients may way in amount we will lot you on each monthly alalement when yea payment will be made and how much t will be. Your Automatic payment arnaan may be less then the ihdcaled on the rm onflty staWnernt based on credits or payments applied dung the bAN cycle. Credit Reporting. We may reportitmrwion about you account b credit treas. Late payments. missed psymeds, or otna defwNs on your accent maybe nefacled n your credit report. We normally report the status and payment hart o (your Account to credit rephomirg agencies each moth. If you believe tut our report is a ocuiv e or ihaomplele. please wrile us at the fdbwng addiss: Discover. PO Box 15316. Wibigton, DE 198505316. Please include your name. address. tame telephone raarbei andAccount darter. PERIODIC FNMKE CNAGES. Periods Finance Charges are imposed on all trahsacYau from the date the trerwacion is paned to yourAccout unlit the dab you pay your elite New Belerse, by making payments or receiving credits. However, we will provide the btowng'grace perar t you paid the New Balance on you pervious bang atabnwt by the Payment Due Dale shown on thal htaknxnt. and you pay the New Balance by the Payment Due Dde on to suMnent we will and irpow Perak Finance Charges on new ptrdress, that is, purchases first appearing on to stalenwd Oche inset you will receive a bill irg stale ernt ned month tut ishdes Periods Finance Charges an those new, pThere is no grace peiod on balance transfers or cash advances. We sod your transactions inb groups of purchases, cash advances. and balance transfers and then halw?e..r?s.aa?t. the transacians w?nn each grail by their herd Percentage Rafe, For example purchases m6feci to a Promotional rate and prdhses sutjed In standard rate would be separale groups. We refer b these groups as YarwaeYmlh allegories. Aare end of each Wing pared. we co" Peredo Finance Charges for each day of the blliii peiod for each transaction allegory We use ttefobwg e*mbmbearyule Peisoft for each transaction category. Average Daily Baarnce x center of days in the bb%period x Daily Periods Rate. (See the foveae charge sunray on yonrstaMwn for these amounts.) Then we add up the Periodic Finance Chagas br each transaction category to get live lotel Periodic Finarse Chages for your Account The average Daly Below is shown as zero d, because of the grace peiod, no Periods Finance Charges apply to the balance in a transmom category We use b8 Average Daily Batanca (rnckrdig new transactions) method of alalalkig the balance upon which we impose Periodic Fiance Charges We mwmpnls to Average Deity Balance for each fasacUah talegay by addig up all the daily balances in a bkq period for a transaction allegory and deeding the OW by the ramie ddys in rie big cycle. We conpule the daily balase for each transaction antsy on each day by 4st adding tw kntoaig to to pevias deVs daily balance. fahsadvirm made 1* dell, bes charged that day ad Periodic Finance Charges accrued on that day t e transaction is posted b your Amount afar In dose of the burg period in which t occurs, we will beef to transaction as having occurred on the fist day of the Wkhg prat in which it is pubd to yourA«aM. M in& Ilcarn are added to the standard purchase transaction cefegoryr worth the exception of Cash Advance Transaction Fee Finance C hags whiff are added to the Abe favsaciah category and Bela ce Transfer Transaction Fee Finance pages whx h are added to to applicable I Ia Yansla varnadon cabgo y. When On special raw expires. we move the unpaid balance of the balance rahsier and the Banner TrahsferTrasacim Fee Finance Charges b the slsderd p sc hesetamclion category however, tthe spKW rate Tres been terminated under the Depart Rate Plan, we leave the unpaid balance of do balance trashy and the Balms Lawfe Tra sadki i Fee Finance Charges in the applicable tansadiah category urd the special rate would have epned. For TDD (Telecanmmkatiaw Device for the Deaf) sabtance, cat 1-M347-7440. Discover may monitor andbr record Iebphone cab between your and Discover repesataives for quaky esua ce pirposes The Discover' card is issued by Dscover Be*, Member FDIC. OtTBK107 c??r New Balance DISCOVER $2,558.82 23 SDSWA01 0007637 HIXSON, JOSEPH 917 THORNTON DR NECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $77.00 Enter Amount Enclowd Below Payment Due Date $ November 22, 2007 Please make check payable to Discover Card. You are o"dimit. Pay the sum of the monthly minimum payment plus the overkmit amount of $258.82. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercomlpaperless. PO BOX 71084 Illrrsllsrrsslrlrsll"I'I'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (nlrlln)unlnllnrlnln)nr)))lunlnlulnlluln)ulrln)I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001486458999668235025588200100000007700 Discover More Card Account Summary Closing Date: October 23, 2007 page 1 of 1 Account number ending in A075 Previous Balance $2,596.42 Payment Due Date November 22, 2007 Payments And Credits 100.00 Minimum Payment Due $77.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cosh Credit Limit $1,200.00 Frrarnce Charges + 62.AO Cash Credit Available $0.00 New Balance . $2,558.82 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' Opening Cashback Bows Balance $ 1.55 New Coshback Bonus This Period + 0.00 Cashback Bonus& Anniversary Month: December Cashbaclt Bonus Balance 1.55 Cashback Bonus(R) is America's 111 Cash Rewards Programl Full 5% Cashbock Bonus on Get More purchases in popular caatteeggories throughout the year and up to I% Cashbook Bonus on all your other purchases. How Can We Help You? I Visit Discover com to pay your leaf for no cod ,.i°w your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cal 11-800-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 Sall Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 22 Oct 22 PAYMENT THANK YOU $ 100.00 Information For You Your Account is overlimit. While we are permitted under the Cardmember Agreement to charge you an Overlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Ovedimit Fee section of the Cardmember Agreement for details. I%W Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2619.86 0.07942% 28.99% F 28.99% $62.40 $0 Cash Advances $0 0.079A2% 28.99% F 28.99% $0 s0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Wish you could sort these purchases by amount, description or category? You can - register at Discovercard.com review your purchases online as for back as 12 months. Loom more at Discovercard.coM/purchases Important Information. K there is more ton one page b this billing slatemenl, see Ote heck of each page br additional important nlomoban. See your Caranmtber Agreement Your Ca imemDer agreement contains all the terms of your Account c i Lost or stolen cards. Report iminedistelyt Can 1.600.34741663. Billing WOM Stationary. In Case of Eras or Questions AboulYb r Bit: if you think you bill a wrap, or dyou rood more information abort a transaction an yarbi, write us on a c separate sheaf of paper at Discover. PO Box 30421, Sat lake Cty UT 84130-0421, as soon as possible. We must lea from you no later than 60 days after we sent you the first bill i on which to errs or problem appeared. You can telephone us, but dolrg so will not preserve your rights. In your tidier, give us the Wowing information: Your name and Account number The dollar amount of the suspected error Describe to error and explan, t you can. why you believe tore is on error K you need more information, describe I eilem you are unsure about. You do not have to pay any crowd in quesnm white we are investigating. but you as still obligated to pay the pans of your bill Got are no in quesbon. Wide we itvesigok your quesion, we cannot repot you as delinquent or take any action to caged Itio amount you question. Special Rote for credit Card Purchases: K you have a problern war the quality, of goods or services that you purchased with a credo card and you have tried in good filth b cared the problem with the mnerchart, you may riot have b pay the removing amount due on the goods or services. You have this protection only when On purchase price was more than $50 and the purdese was made in your home stele or within 100 miles of your making adbeas. (I we awn or operate the merchant or Kwe naiad you to adwatiaanentfor the good or services. all to purchase are covered regardless of the anorn or location of the purdhase.) Payments. Send any your parrot and the by portion of to statement in the arhvelop provided. Do not said cash. By sending your dock as described above, you auName us to use intimation on your deck to make and electronic keel transfer frorn your aoeohra at nor financial iWwlion indicated on your deck or to process to parrot as a dads transaction. K to peymerd is processed as an electronic hod tract, the transfer will be far to amount of to deck. When we use information from your cod b make an electrons fad transfer, kids may be withdrawn horn you account as soon as the some day we receive your payment and you will not receive your dad beds from your financial inslnution. The processing o(your par nad maybe delayed dyer send cash: correspondence or idierltems with yar parrot, i you send to payment to any other addirmariyou use an envelope other than the one provided. Payments rem in proper form at our processing looky by 5PM local are on any day will be credited to you Account as of that day. Payments received at our processing facility alter 5PM local am will be credited to your Accout as of the nod day. K you have misplaced your envelope. sand your psy meat to Discover, PO Box 6103, Cara) Steam. IL 601978103. Please allow 7-10 days for delivery. 9your payment is returned unpaid. we reserve the right to resubmit it as an electronic debit You an pay your minimum parrot or a greater amine over Ge telephone, and you can set tip marinate: payrents Cal us at 1-800-3472683. You wit read this sklement and your bank account information. You must ensure that sul6den funds we available in your bail account. and all transactions must cariply with U S. lace You will be asked b provide the first 5 digits of you accord statement ZIP code. By entering those numbers as you etedonic signature. you will be agreeing b this auhuvaim to Am us and yaw bo nli to deduct each parrot you authorize from your bade account, and to mifete debit or credit entries to you bade accent. as appticahte, to correct error in the prig of such payment. You must fen us do smart of each parrot, or you an seled an amoon such as Minimum Payment Die or tw New Baance on each nMaraM. You can ancel a payment, however we mat meow notice at Gust three business days it advance of the sdadded paynerd. You may nolily us by phone at 1800.347,2683 or by mad al the address listed in the previous paragraph. K your payments may very in emoad we will fall you an each monthly statement when you payment will be made ad how much d will be. Your Aubmatic payment amount may be less ten it* Indicated on rite monthly statanerd based on aedils or payments applied die ing the bang cycle. Craft Reporting. We may report information about you aoooun b credit bureaus. Lae payments. niased payments, or other daaub on you eccard may be mbcbd in your credo report. We normally report the status and payment h story of your Account to aerie reporting agencies each moth K you believe that our report is ioaurete or nmmplale, please write us at the following address: Noeover. PO Box 15316. Wilmington, DE 198545316. Please ndde your name, adilress, home telephone number and Account number. PERIODIC FINANCE CHAGES. Peioalc Fiance Charges are imposed on all transactions from to date the transaction is posh to you Accord until the data you pay your were New Balance, by making payments or recow g wefts. However, we will provide the following -grace period' K you paid hie New Baance on your pervious biting statement by the Parrot Due Dar shown on the statement. and you pay #* New Balance by the Payment Due Date on two statement we will not impose Penode Finance Charges an new purchases, that is, purchases fret appearing on his statement Otheneme. you will receive a billing Sheerer rod month tot includes Periodic Finance Charges an terse new purchases. There 1a no grace period on balance transfers or ash advances. We sat yaw transactions into groups of purchases, ash advances, and balance transfers and ton knher sat the transactions witch each grail by tloiAreuil Percentage Rate. For exampilla purchases end of each bibrh period. deseto a rt a Panic Fiance Char for each day of to bang period We refer to two groups in transaction compute At to Periodic for each transaction category. Average Daily Balance x minter of days in the biting period x Daily Pfor each transaction caleM We eriodic Rate (See the fiance huge ssuumfollowing equation moyr an your sakbinau for t anoints ) Than we add up to Periodic Finns Charges breach transaction category to gH the beat Periodic Finance Changes for yaw Account. Tter average Daily Balms is shown as zero if. became of twgrece perod, no Periodic Finance Charges apply b the balance in a transaction category- We use the Average Daily Balerx a (rMludng rew traaaciaa) method of calculating the balance upon which we entices Periodic Finance Charges Vtme impute the heritage, Dady Balance for each transaction category by aft%up all the daily baa,ces in a billing period lea a transaction category and dividing to bbd by to arnba of days in to billing cycle. We compute to daisy balance for each transaction cola" on each day by test adding to Wooing to to previous days dally balance. transactions nude #0 day, fan charged that day and Periodic Finance Charges accrued on OW day. K a tranaadlorh is posted b yaw Account eta the dose of the bilting period in which it occurs, we will tree to transaction as having occurred on the first day of the tiling period in which a is posted to your Avant AO ?as are addvd b to staedard pudase transaction ant 9oY walnte exception d Cash Advance Treroactiorh Fee Frharhoa Chhages wdirh ere added b the advarnce tramsaction atagsry and Balance Transfer Tronsatiion Fee Fiohoe Gorges which are added b tle apptuaWe batethoe trash transacion categoy Wharh the spedal rate expias, tae nave to unpaid balance d the bekrhoe tarsier and to Baerca iraskr Trasadhon Fee Finance Charges b the stardad purdhasa transaction ategriy. However, i to ngedal rate hen been teminekd under the Defect Rik Plan, we leave Ge unpaid balance d the balance trader and to Belaoe Transfer Troraection Fee Finance Charges n to applicable fntnsacYOn casegay hrtil the spedel yak wield tawne expied For TDD (Telecommunications Device for the Deaf) assistance, call 1400.347-7449. Discover may monitor aldlar record telephone cab between you and Discover representatives for quality assurance Purposes The D*oovae cad is issued by Dswver Bede. Member FDIC. OITBK107 DISCOVER New Balance Minimum Payment Due $2,522A1 $76.00 Payment Due Date December 22, 2007 23 SDSN6A01 0007638 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Account Number ending in 4075 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the ovedimit amount of 5222.41 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover corntpaperkss. PO BOX 71084 lllrarllranrlslnllgill I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space loll rllr,lrarlrllrgill lrlrrrllllrrrln,lnlnllnlulr,lrlrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235025224100100000007600 Discover More Card Account Summary closing Date: November 23, 2007 page 1 of 1 Account number ending in 4075 Previous Balance $2,558.82 Payment Due Date December 22, 2007 Payments And Credits 100.00 Minimum Payment Due $76.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Fiance Charges + 63.59 Cash Credit Available $0.00 New Balance _ = 52,522.41 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashbodc Bonuse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 -Cashback BomosWAnniversary Month: December Cashback Bonus Balance $ 1.55 Cashback Bonus(R) is America's #1 Cash Rewards Progroml Full 5%Cashback Bonus on Get More purchases in popular catesggoories throughout the year and up to I% Cashback Bonus on all your other purchases. How Can We Help You? 1 Visit Discaver cem to parr >? lea for no mot, view P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call I-800-0ISCOVER (347-2683) for W. easy s4service 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 SaIF Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments mrd Crodils Nov 22 Nov 22 PAYMENT THANK YOU $ 100.00 Information For You Your Account is ovedimit. While we are permiBed under the Cardmember Agreement to charge you an Ovedimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, yaw outstanding Account balance exceeds your Account credit limit. See the Ovedimit Fee section of the Cardmember Agreement for details. "fig Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee DaBal ? ces Ratasdm RRWES E RATES Q? ? current billing period: 31 days Purchases $2583.07 0.07942% 28.99% F 28.99% $63.59 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may wry M as noted above. Important information. If there is more than one page to to big statement, see the back of each page for additional irponat information. See your Cardmember Agreement Your Cardnember agreemanl contains all the berm of your Account. Lost or stolen ands. Report i medetelyl Cal I.11W347-2683 Billing Rights Summary. in Case of Enos or Questions About Your Bt: U you MwJt your bt is wrong, or I you need more edormatan about a transaction on your bill, wrile us on a separate sheet of paper at Discover, PO Bar 38421. Sak Lake City, UT 84130-0421, as soon as posai6le. We must hear from you no later han 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 Idler. give us the following information: Your name and Account number The dolor amts of the suspected error Describe the error and exgan. it you an. why you believe there is an error . If you need more wilormshon, describe the item you are unsure about. You do not have b_pay any amount in question W* we are investigating. bud you are M obligated to pay the pans of your bill that are not in question. Whale we investigate your question, we cannot report you as delinquent or lake any action to coked be amount you question. Spacial Rob for Credit Card Purchases: If you have a problem with the quaky of goods or sawn that you purchased web a a" card and you have tried in good aifh b coned the problem with to merchant. you cosy rat have b pay the remanig aroont der on the goods or services. You have fors protection only when the purchase price was more than $50 and to purchase was made in you home state or witlm 100 rtes of your mailing address. (K we own or operate to merchant, or if we nailed you On adrerksa e t lor the good or services. all the purchase are covered regerdess at to amount or location of he purchase) Payments. Send ory your payment and the lop portion of the statement in the ermvelop provided. Do not send cash. By sending you dheck as described above. you authorize us to use iMameaon on your dads to make and electronic fund transfer from you aaant at to fmaric al isatition indicated on your died or to process the payment as a dads transaction. If the payment is processed as an electrons; hM trasler the transfer will be lor the amount oft es cedt. When we use information trcrn your dad to make an eladerac turd trarhder, leads may be vot dawm from your account as soon as the same day we receive your payment, and you will not receive your dad bads tom your financial nstit lion. The processing of your permit maybe delayed h you send ash, correspondence ornthheritems with yo r payment, t you send to paymentto any other a idessor it you use an envelope oiler tun the one provided. Parma received a proper form at our processing facility by 5PM local6me on any day will be credited to your Account as of that day. Parma receved ator processing hcity after 5PM locations will be credited to yotrAcmumt as old* next day. If you have misplaced your eivielope. send your payment to Discover, PO Bat 6103. Cad Scream, t. 60197-610.3. Please allow 7-10 days for delivery If your parrot is reamed unpaid. we reserve the right to resnlimit it as an electronic debt You an pay you mkamun payment or a greater amount ore the telephone; and you can set qh au iwmbc psymarns. Cal us at 1800-3412683. You will need his saternaut and your bank account nfcrmaion. You mum ensure het stilFdeny furls as avatade in your bank account, and d trasackorm mart comply with U.S. law. You will be asked to provide he kst 5 dgib d you a wd dMmrad ZIP code. By among those rembers as your electrum. signature, you will be agreeing b ha authaim6ah b abw is and your bank b deduct each pennant you && a s her your bent account. and so estate debit at as& entries to you bent aeout as applicable, to correct error in #a ptoossing of such payment You need tN us to arrant d each payment, or you an select an amazed such as W minwm Papnad Due or tlo New Balance on each statement You can capital a payment however we mart receive rnotroe at least free business days in advance of the scheduled payment You may nobly us by phone at 1800-347-2683 or by mai at to address listed in to previous paragraph. I your parents may vary in amamt we will Sell you an each monthly satenart when your payment will be made and tow much t will be. Your Automatic payment amount may be less tan to indicated on he monthly statement based on credits or payments applied during t e bdkg cycle. Cradt Reporting. We may repot ilomabon about your arnnrt to credit burnous. Late payments, missed payments, or other debals on you account may be releded in your credit repot. We normally report to sacs and permit history of you Account to axed reporting agencies each month. t you believe cal our report's inaccurate or nowrglele. please write us at the following address: Discover. PO Box 15316. Wilmington. DE 19850-5316. Please include your name, address, home telephone number ardAccount number. PERIODIC FINANCE CNAGES. Periodic Finance Charges are imposed on all transactors from to date the transaction is posted b your Account uti1 to date you pay you entire New Balance, by making payments or receiving credits. however, we will provide the tolowg'grow paced" t you lead the New Balance on your pervious MM statement by the Payment Due Date shown on that statement. and you pay fa New Balance by fa Payment Due Dec on this statement we will not impose Periodic Franca Charges an now purchases, that is, pudases fist appearing on this statement. Ot eri ise. you wig receive a biting statement rm d manta that includes Parodic Finance Charges on fame new purchases. There is no grace period an balance Venters or cash advances. We sod your transactions into gaps of purchases, cash advances. and balance transfers and tan further sort to transactions, within each group by their Annual Percentage Rat For example purchases subject b a promotional rate and purchases subject to sanded rat would be separate groups We rent to these groups as transaction categorise, At the end of each bting period. we compute Perndv: Fiance Charges for each day of lie bung period for each transaction category. We use to following equabon b compute Peruodic for each transaction ralegory Average Daily 8alahre x amber d days in the berg period x Daily Perodc Rate. (See the trance charge summary on you statement for these mhsma) Then we add up the Periodic Finance Chagos for each transaction category to get the total Periodic Fnwnce Charges for your Account . The average Daily Balance is . shorn as zoo if, became of to grace period, no Periodic Fiance Charges apply to the balance in a trasacton category We use #a Average Daly Balance fndadi g rowtrasacbcra) method of calculatig do balance upon which we impose Periodic Finance Charges. We compute to Average Defy Balance for each hensacaon Category by adding tip at to daily bolanoes in a billing period br a transaction category and dnditi the What by to number of days a to bibg cycle. We compute to day balance for each transaction cdegoryr an each day by fist adding Our fallowing brie previous days defy balance. tarsacborm made that day, lees charged hat day and Periodic Finance Charges aornad an tat dry. If a transaction is posted b your Account ate the close of he big periods which t occurs, we will treat #a transaction as having occtned on the first day of On big period n which t is posted to your Account. Al fees are added to he sarhdard purchase transaction category with to exception of Cash Advance Transaction Fee Finance Charges which are added to to ce Year saetan category said Balance Treats Transaction Fee Fiume Charges which are added b the applicable balance transfer Yaawbon asegory. When the special rate expires, we moo fa unpad balance of #a balance trahsher and the Balance Transfer Transaction Fee Fiume Charges to the standard purchase transaction category. However , if he special rat has been terminated under to DeaoM Rate Phan, roe leave the upped baharoe of the balance Impute, ad the Balance Transfer Transaction Fee Finance Charges in he applicable transaction category until to special rate would have expired. For TDD fTelecommumieallons Device for the [led) assistaoe, cal 14890.347-7449. Discover may mrontar andlot read kbphone calls between you and Discover representatives for qualty assurance purposes The Discover' card is issued by Discover Dunk. Member FDIC. OITBK107 DISCOVER Now S3.022 23 SDSNGA01 OD07639 HIXSON, JOSEPH 917 THORNTON DR NECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $75.00 i Enter Amount Enclosed Below Payment Due Date Janwwy 22, 2008 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $183.02. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover co"paperless. PO BOX 71084 Illrrnllrrrrrlrlrrllrrlrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Inlrllulunlnllr,dulJnnllllrrrlr,lulnllr,lulul?lnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235024830200100000007500 Discover More Card Account Summary Closing Date: December 23, 2007 page 1 of 1 Account number ending in 4075 Previous Bakmce $2,522.41 Payment Due Dab January 22, 2008 Payments And Credits 100.00 Minimum Payment Due $75.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Urns _ + 60.61 Cash Credit Available $0.00 New Balonce _ $2,483.02 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaAba& BonuSe Opening Cashbock Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashbo& Bonus Balance $ 1.55 Costikkk$onusS Anniversary Month: December Cashback Bonus(R) is America's #I 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 Discweucern to pay ymw bill for no test, view your latest Account information, earn and redeem rewar and more It's your choice - 3 ways to help 2. Cal 1-8004XXOVER (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 impairsd) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. teDate Payments and Credits Dec 22 Dec 22 PAYMENT THANK YOU $ 100.00 Information for You Your Account is ovedimit. While we are permitted under the Cordmember Agreement to charge you an Overlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your oulstanding Account balance exceeds your Account credit limit. See the Overlimit Fee section of the Cardmember Agreement for details. Ali ''Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2544.99 0.07942% 28.99% F 28.99% $60.61 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. knportant information. l there is more Men one pegs b the bllrig determent, see the back of each page for adMonel imporlont information. O See yaw Cardmembo Agreement. Your Cerdmemberagneernsnt oatans all the terms of your Account. Lost or stoke cards. Report naadistelyl Cal 14"7-2683. o Billing Rights Summary. In Case of Errors or Questions About You Bit: K you leek your bill is wmrg, or it you need more information about a transaction an your bi, write in on a separate shoat of paper at Discover. PO Box 30421. Sak Lake City, UT 84130-0421. as soon as passible. We must hear tom you no Wer then 60 days after we sent you the W bit on which to error or problem appeared. You can fekuplnonne us, but doing so will not preserve you rights. in your law, give us the follmig information: You name andAcco ni n m leer fO The dollar amount of the suspected aria O ? Describe tie aria and explain, 6 you can, why you believe there is an error. K you need mare iforalim- describe fe hem you are unsure abed You do not have to pay any amount to question while we are iivestigalinp, but you are stillobbiloW to pay the pans of you bill test ere not in question. While we iwasigeleyou- question, we coact report you as delinquentatdu any actin b called in amount you question. Special Rate for Credit Card Purchases: If you have a peohlemn with the quality of goods or services Mar you purchased with a credit card and you lava ldsd in good kith b cared the problem with the merdrent, you may nol have to pay tie remaining anent due on the goods or services. You have his protection only when the purchase price was mare Yam $50 and the pudmse was made in your honor slate or wilhiu 100 hies of you mailing address. (l we awn or operate to merdhaK or if we mailed you the adirwhsarhaxY for le good or services, all tla Purchase are covered regardless of the amount or location of to purchase.) Payments. Send any your paymert and the lop portion of to statement in the envelop provide(. Do not send ask By sending your dad as described above, you adiom ins to use information on your sack to make and electronic kid tmnsim from you assert at in financial isltoYon indicated an you check or b ponces the payment as a clads transaction. If the payment is processed as an electronic Lund transfer, the transfer will be for the ~ of Me ctsdr_ Whon we use micanstin from you deck b make an electronic fund traskr, leads may be withdrawn from your account as soon as the sane day we receive your payment, and you will not receive your died back tam you financial he pocessig of you payment maybe delayed fyou said cash, camspordence orother iEems with yaw payment, ityc r send to payment a any of eraddress ordyou use an envelope other than the one provided. Payments received n proper form at our pocessig 6ecally, by 5PM local tore an any day will be credited b your Account as of to day. Payments received at our proasng facility offer 5PM focal line will be credted to your Account as of the nerd day. f you here mispkced your envelope, sad your payment to Discover, PO Box 6103, Carol Sachem, d 60197-6101 Please slow 7-10 days for delivery. If you payment is returned unpaid. we reserve Me right b resubirit it as an electronic debit You an pay yar mirinumi payment or a greater araout eve the telephao, and you can set up antonak psym rYC Cat in at 14M3472663. You will need thts spknea t and your bank aocoont information, You must arms@ Mat aufcami leads are available in your bank MourY. and d tarsactia i must comply with U.S. law. You wi be asked to provide the first 5 d9ts of you account statement ZIP code. Hyenteing those numbers as your electronic sigtne, you wi be agreeing b Bits admmfm b dow us end W barns b deduct each payment you aurlha¢e Irom your bent account and b n hate debt or credit o nines b you balk seam as applicable, b Owed era in the processing of such payment You mast fall is the amount of each payment, or you can soled an arnhount such as Marren Payment Due or the New Balance on each stale ent You con anoel a payment, however we must receive ndice at least free business days in advance of the sdhekned psymeri You may nobly us by plane d 1400-347-260 a by mat at to address fated in for previous paragraph- l you Payments may very in amount we will tell you on each nahffy sleaer ad when your payment wilbe made and how math it wi be. You Aubmatio payment avant may be its then to wW=W on the eanfny statomeM besed on credits or psyraots applied dung the Ding cycle. Credit Reporting. We may report information about you aceout b credit bureaus. Late payments, missed payaaMs. or oter defaults on your account maybe reflected in your credit report. We normally report the stets and paymad holory of your Account to credt mpa6g agencies each m Nib lyou believe that err repot is i acc rate or noanplete, planes write us at the following adder: Discover. PO Box 15316. Wilmington. DE 19850-5316. Please nditle your name, address, home telephone number and Account amber. PERIOWC FROKE CNAGES. Periodic Finance Charges are imposed on all transactions from the date the transaction a posted b yourAccourt until the date you pay you ent re New Balance, by making payments or recemrhg credits. However, we will provide the lollu" -grace pmmd' l you pad the New Balance on your pervic s big skiernof by the Parnent Due Date shown on fret statement aril you pay the New Balance by the Payment Due Deli on this, staament we will not impose Periodic Finance Gages on new pxrcDases, Mat is, pudasesfeat appearing on his statement Ofarwse, you will receive a tiling statement nextmonth fat kkides Periodic France Gages on those new pxrdases. Time is no groom period on balance I ansfers or ash advances. We sat your transactions into groups of purchases, cash advances. and balance transfers and than further sort to trarsacips wfhn each group by it= Arrive! Percentage Rate. Fa example puduses subject to a promotional rate and purchases abject to standard ratio would be separate groups. We refer to these groups as trasecim calegoles, At the end of each billing period. we eompule Periodic Finance Charges for each day of l he bring period for each transaction category. We use the following eghabon b ampule Periodic for each transaction category. Average Daly Balance x number of days in the billing period x Daily Periodic Role. (See the Inane cage summary on you defame & for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to gel the Wal Periodic Finance Charges for your Accent. The average Daly Balance is shown as zero t. because of Ye grace period. no Periodic Firace Charges apply b the balance in a transaction allegory. We use tlo Average Daly Balance (actading new transactions) method of calculating the balance upon whch we impose Periodic Finance Charges . We compnle teAvoage Daily Balance for each transaction celegory by adding up al In daily balances in a brig period for a trasetemn category and diaiding to bW by the number d days in on Ditrg cycle. We compute to daily balance for each transaction category on each day by fast adding the folovvig b the previous days daily balance, transactions made that day, fees caged that day and Periodic Finance Charges aarued on that day. Ka transaction is posted to your Account offer the dose of the bring period in which a scars, we will front the kasactia as having occurred on the first day of the billing period in which it is posted to your Account. AI o are added to the standard pachese transecton category wCh the exception of Cash Advance Transaction Fee Finance Gages which are added b the nce transaction category and Balance Transfer Transaction Fee Finance Charges which are added b the applicable, balance transfer t ? transaction cm" When for spacial rate expires, we move the unpaid balance d I e balance transfer and the Balance Transfer Trensoction Fee Fns ce Charges b the standard category . Ikmvever, f the special rate has been terminated under the DefaBl Rate Wan, we leave the unpaid balance of to balance border and the Balance Trer>dar Trasadion Fee France Charges in the applicable transaction category until the special rate Would have expired For TDO (TelecommuYeadom Device for the Deal) assistance, cal 14f0-347-7449. Discover may manila a" record telephao calls between you and Discover represenlafves for quality assurance purposes The Disoovo+card is issued by Discover Be* Member FDIC. OITBK107 New Balance lVER DISCC Minimum Payment Due i Account Number ending in 4075 lo l $2,444.72 : $74.00 ow Enter Amount Enc sed Be Payment Due Date $ February 22, 2008 Please make check to Discover Card. h f h hl s ay t e sum o t e mont y You are overlimit. I minimum payment plus the overlimil amount of $144.72. 23 SDSN6A01 0007640 inopaperless l'nake wd your HIXSON, JOSEPH w dh ith s informationmation more more secure with THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discovercorrtpaperless. PO BOX 71084 Illrrsill nrrrlNIIIIIrrlrlrI CHARLOTTE NC 28272-1084 Address, e-mail or teknphorne change? Print change in space Iu1n)loll lllllllrrrllllr)ur?I?lun?ulnlnllululn?n)u(I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235024447200100000007400 Discover More Card Account Summary closing Date: January 23, 2008 page 1 of 1 Account number ending in 4075 Previous Balance 52,483.02 Payment Due Date February 22, 2008 Payments And Credits 100.00 Minimum Payment Due $74.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Fiance Charges + 61.70 Cash reedit Avai!cHs $0.00__ New Balance _ $2,444.72 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Gashbaclt Bonu a Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 1.55 Cashbock Scinus®"Anniversary Month: December Cashbock Bonus(R) is America's #1 Cash Rewards ProgramI 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 Dacaver eons to pay yaw bi for rte cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cal 1.8004ASCOVER (347.2683) for fast, easy self-service d available. options or to speak with a Customer Service Account Manager Please have your Discover Car 3 . Writs k at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Cad with confidence. Trouts. Post Daab Date Payments and Credits Jan 22 Jan 22 PAYMENT THANK YOU $ 100.00 Information For You Your Account is overlimit. While we are permitted under the Cardmember Agreement to charge you an Ovedimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Ovedimit Fee section of the Cordmember Agreement For details. - "A%M Charge Summary Nominal Transaction Average Daily ANNUAL. ANNUAL Periodic Fee ? l R? is P AGE P AGE FINANCE FINANCE arces Bal RA RA CHARGES CHARGES current billing period: 31 days Purchases $2506.36 0.07942% 28.99% F 28.99% $61.70 s0 Cash Advances $0 0.07942% 28.99% F 28.99% s0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as rated above Important hlermattow. If Itwe is more than one page to This bating statement, see the bade at each page for additional important ilomution. o See your Cardmember Agreement Your Cardmemberagreement conlains althe terms of yourAcomnl y Cn Lost or stolen cards. Report innkdiebeyt Cat 1-804347.2683. o Bill" Rights Summary. In Case of Errors or Questions Abed Your Bt: N you tank your bit is wrong, or if you need more idemratm about a transachon on your iti, write us on a o0 separate sheet of paper at Discover. PO Box 30121, Sall Lake Ciy. UT 84130-0421, as soon as possble. We must hear from you no later don 60 days ater we said you the first bill o 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: a Your name and Account number o O The dollar amount of the suspected am Describe the error and explain, d you can. why you believe there is an error If you need more idonnatart describe the item you are unsure aboul. V You do not have to pay any amount in question whale we arei westgeting. but you are sit obligated to pay the parts of your bill that are not in question. While we trwesigefe your qurestion, we cannot report you as delinquent or take any action to collect the amourd you question Special Rate for Credit Card Purchases: N you have a problem with the quality of goods at services that you purchased with a credit card and you have MW in good With b correct the problem vA to merchant, you may not have to pay the remaining anon due on to goods at services. You have t rs p otechon only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mama address. (N we own or operate the merchat, or it we mated you to adverd9e terdfor the good or services, all the purchase are covered regardless of to amount or location of the purchase.) Payments. Sad only your payment and the top portion of the statement in to amvlop provided Do not send cash By sending your chalk as described Am. you s drone us to use nf0rinish n on your shed to make and electronic tend hansfer from your account at to financial iabkLon indicated on your dheck or to process to paymert at a c edc t arsactnn. If the payment is processed as an elections: tend transfer. the transfer will be for the amount ate deck. When we use information from you dude to make an electronic lead Vansfer, kinds may be withdrawn from your account as soon as the same day we reosive your payment and you will not receive your c edt ba* from your financial inslikbo . orif youvsean- The piocessig of yogis psymert maybe decayed d you send cash, oanespordence or roller ft m with yourpayoed, d you send to payment b any other ad6ess Payntaints received ane provided. n i cess ing ILYy lime will be cradled Aanurt as of the next day. I you have misplaced your enwelope, serdyour payment to l afier 5PM bcel ta received at oct aro e , Ske Discovesoover, PO Box 6103, Caul l Sham, t 601975103. Please allow 7-10 days for delivery. N your payment is returned unpaid, we reserve the right to resn6ril it as an efectonicdeli You can pay your minnnh payment or a greater amount over the telephone. and you can set up audorne6c payments. Cal us at 1-0043472663. You wd amid tat statar>erd and your bank recant i ionnaion. You must ensure that sudficardkinds are oval" in your bale account. and at transactions mast coney with U.S. taw. You will be sdoed to provide the fast 5 digits of you accost statement LP code. By entering those numbers as your electronic sgnahsa. you will be agreeing to this adoriraion to do* to and your bank to deduct each payment you autcrize ham your bar* accent, and to imitate debit or ore& entries to your beak anoint, as applicable. to cared anon in to processing of such payment. You must lei as the amcurd of each payment. or you can select an amount such as Milimxrn Payment Due or to New Bow" on each statement You an cancel e payment, however we must receive notice at least twee business days in advance of the scheduled paynetll You may noYy us by phone at 1-800-347-2683 or by mail at to address Wool in the previous paragraph. If your payments may vary in amount we will fell you an each no" statement when your payment will be made and how much t will be Yom Automatic payment amount may be less ten the indicated an the morthy statement based an crsedi s or payments applied during the biting cycle. Credit Reporting. We may report Information about your account b credit bureaus. Late payment, missed payments, or char defalls on your sword may be ratected in your credt report. We normally report the status and payment history of you Account to credit reporting agencies each month. N you beieve to our report is na c rafea incomplete please writ us at the following address: Discover PO Box 15316, Mmingtm, DE 198545316. Please include your name, address, home telephone number a WAccout mmber. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transacions horn the date the transaction is posted to your Account until the doh you pay your entire New Balance, by male g payments or receiving credit. However, we will provide the following grace period' N you paid the New Balance on your patios big stahmed by the Payment Due Date shown on tut statement, and you pay to New Balance by the Payment Due Dale on this slalernent we will not impose Periodic Fihenua Charges on new purchases. that is. purchases first appearing on this statement- Otherwise. you will receive a billing statement next moth that includes Periodic Finance Charges an those new purchases. There is no grace period on balance Warmers or cash advances. We sort your transactions wAD groups of purchases, cash advances, and balance transient and thin further sot do trensactas within each grail by their Amusl Peroarap Rule, For example purchases sublet to a promotional rate and Vichases subject to standard rate would be separate groups- We refer to tress groups as kasscion catugoies. At the end of each billing period, we compute Periodic Finance (urges for each clay of the billing period for each transedim category. We use the following equabn to compute Periodic for each transaction category. Average Daily Balar ce x rumba of days in the billing period x Daily Periodic Rate. (See the finance charge stnwnay, on your stelm- far these amounts.) Than we add up the Periodic From Charges for each transaction allegory to get On total Penodc Finance Charges for your Account The average Doty Balance is shown as zero d, because of the grace period. no Periodic Fierce Charges apply b the balance in a transaction category. We use to Average Daily Balance (including new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges. We cwrpuda the Average Daily Balser for each transaction category by adding up all the daily Wei ces in a biting period for a tra isctiah category and dividing the total by the nuben of days in to billing cycle. We compute he daily balance for each transaction category on each day by first adding the fofouirhg to the previous days daily balance. transactors made that drA fees charged let day and Periodic Finance Charges accrued on that day. N a tasad on is posted to your Acoouat efts to close of the burg period in which t occurs. we will Yeel the transaction as having oowffW on the first day of to burg period in which t is posed to your Account. AN lees are added to to standard purchase transaction category with the exception of Cash Advance Tmnsacbn Fee Fiance Charges which are added to the a?tr transaction category and Balance Transfer Trasaction Fee Fna ce Charges which are added to the applicable balance taster transaction category. When to special rate expires, we move the unpaid balance of to balance transfer and the Balance Transfer Trasactioh Fee Finance Charges to the standard purchase transaction category However, if the special rate has bean lemminared under the Default Rate Plan, we lave the unpaid balance of the balance transfer and the Balance Tmsfer Transaction Fee Finance Charges in the applicable eamsactnn category until the special rate would have expired. For TOO (Tekwmmurnicadom Device for the Deaf) assistance, call 1404347.7448. Discover may moritor and/or record telephone cats between you and Discover represenlatrves for quilty assurance purposes The Discover' card is issued by Discover Bank, Mernber FDIC. OtTB1f107 DISCOVER Now Balance 23 SDSNWI 0007641 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $73.00 Enter Amount Enclosed Below Payment Due Date $ 1 Maud' 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 $105.46. Go paperless and make your account infomration more secure with password- protected statements only you can access. Le am more at cliscover comlpaperless. PO BOX 71084 Illsullnrnlslullnlslrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (rnlrllnlurlnl11rslrrlnlrrnllllnrl,rlrr6r1poll r6nloll oil above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235024054600100000007300 Discover More Card Account Summary Closing Date: February 23, 2008 page 1 of 1 Account number ending in 4075 Previous Balance $2,444.72 Payment Due Data March 22, 2008 Payments And Credits 100.00 Minimum Payment Due $73.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Ficmcce Charges + 6074 Cosh Credit Available $0.00 New Balance $? ,105.46 You may be able to avoid Periodic Finance Charges, seethe reverse side for details. Cashback Bmuse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 Cashback Bonus® Anniversary Month: December Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular caatteeggoorries throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? mare ' latest Account innformma , e and rno cod edeem vle7 It's your choice - 3 whys to help 2. Coll 1-800-DISCOVER (347.2683) for fast, easy self-service M anager options or to speak with a Customer Service Account Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (033istance for hearing impaired) we reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liabirty Guarantee Use your Discover Card with confidence. Trans. Post Payments and Credits Feb 22 Feb 22 PAYMENT THANK YOU $ 100.00 Information For You Your Account is ovedimit. While we are permitted under the Cardmember Agreement to charge you on Overlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Overlimit fee section of the Cardmember Agreement for details. AhW Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE B016 ices Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2467.60 0.07942% 28.99% F 28.99% $60.74 so Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information. If were is more t m one pope loft big demount, see the beck d each papa for additional important nfomefiah. See your Cardmember Agreement. Your Cardmember agreement coders all the him d yotfAaant Lost or stolen cards. Report immediately! Cal 14600.347-2683. Bitting Rights Summary. In Case of Flrors or Ouestions About Your Bill: K you tank you bit is Yoan% or d you need more id iumm about a transaction on your bit, Weis lea on a separate sheet of paper M Discover. Pal Box 30621, Sall Lake City. LIT 64130 0421. as soon ae pxsabls. We must hear from you no War than 60 days after we serf you the fist bill on which the ante or problem appeared. You can telephone us, but doing so will not preserve your nglas. In your sea. give is the (dowirg idormation: Your now and Accent mentor The dollar wow of the suspected error Describe the era and explain, 9 you can. why you believe tore is an error If you reed more whmoin, describe the item you we unsure about You do not have to M any snout in question while we are investigating. W you are sill obligated to pay the parts of you bill to are not in q m1on. WW,: we ineesblse yak question. we cannot report you as delinquent or take any anion to tutted to arrant you quesaar Special Rite W Galt Card Purchases: K you have a problem with the quality of goods or services to you purchased with a credit card and you have bird in good lah to correct to problern with the nerchoK you my not have to pay to remating amount due on the goods or services. You hen his protection only when the purchase pace wall more tan $50 and the ptrdam was made in you hone able or who 100 mites of yarning address. (Kwe awn or operate to marched a d we mailed you the adVtlixermdfor die good or services. al to purchase are covered regardless of the armored or localm of the purdha,e.) Paym enb. Send only your payment and to by portion of to statenod in the envelop provided Do not send cash By sending your deck as desaibad above, you ramhorize hs b use information on your dock to make and electronic kind transfer tom you account at to fworrial isalutim indicated on you dock or to process tar Ind as a check transaction. K the peyrrom is processed as an electronic lead trawler, the Or ster will be bor the amard of to dock. When we use information from your dhed to make an electronic kid transfer, ands may be withdrawn from you account as soon as the Sarre day we receive your payrned, and you will not receive your deck bads from your krencol insiltPoon. The processing ofyar payment maybe delayed 9 yon send ash, mrespande ce or other dams wh your payment 9 you send the payrnenl b any other address or Kyou use an envelope other ton to one provided. Payments received in proper form at out processing facility by 5PM Beal ime an any day will be credited to your Account as of tat day. Payments received at our processing facility after 5PM kcal tine will be credited to yo rAcoou t as of h next day K you have misplaced your envelops, send your payment to Umover. PO Bee 6103, Card Stream, L 60197fh103. Please slow 7-10 days for delivery K yaw paymmed is returned u pa eL we reserve the right to rewMit it as an electronic debt You can pay your mnirnum payrrhe t or a greater amount over the teephone, and you can set up subamtic psymaras Cal us at 1400.3472663. You wit need this slabmet and your bank arant idamaim. You mum owe tat sutide t fads we available in your bank account. ad all transactions mist conryy with U.& law. You will be asked to provide to first 5 *6 of you accord sielenrent ZIP code. By ederq those lanbes as you electronic signature, you will be agreeing to this aunar'¢e6m to slow ors and your bank to deduct each payment you auter¢e from you bank accouK and to elate debit or credit entries to you bale account, as applicable. to cared error in the processing of such payment You must tell rs the arount d each payment, or you an select an anwrd such as Ummm Payment Due or to New Balance on each sbteried. You can cahcal a payment, however we must receive nice at pawl free business days in advance of Ike sdodrled prymenL You ny nobly us by phone at 1-00.347 2683 orby mod ell ho address listed in the prevous paragraph. K your PeYanents may very in ahoud we will tell you on each moody statement when your paynwd will be node and how mach 9 will be. You Automatic payment anhount may be lass then for indicated on to monthly stesnd based on cradle or payments applied dung the billing cycle. Credit Repordng. We may report wdwnm m about your scaaxd b credit bum m late paynmates, missed paymemfs. or other delaAte on you accent may be reflected in you credit report. We mm my report to status and payment he" of you A=iW to credit reporting agencies each rr". K you believe thel out report m inatoVeftornoanplets, please unite us at the blowing address: Discover, PO Box 15316. Wimwgeon, DE 198505316. Please include your name, address, home telephone mannber adAcco art mrrber. PERK)DIC FRANCE CNAGES. Periodic Fnarm Charges are imposed on all transactions lit m to dale the trahnsacion is pouted b your Accard until to dale you pay your entire New Balance, by nuking perymens or recemV credits. However. we wit provide the fblowig'grace paled' If you paid to New Balance on your peneo s billing sbaonad by the Payment Due Oar shown on that statement, and you pay do New Balance by for Payment Due Date on In statement we will not impose Parodic Finance Charges on new purchases, fat is, purchases first appearing on to statement. Otherwise. you will receive a billing statement next marsh to includes periodic Farce Charges on fese new purchases. There is no grace period on balance trasters or ash advances. We sat you transactions info gnats of purchases, ash advances, and balance kanshn and them krther and to transadios wile each group by their Anal Percentage Rate. For exanhple purchases suged to a pnmokonal rate and purposes s ubpd to stardrd rant wand be separate grays. We rear to these groups as transaction algoneL At the end of each billing period. we corryumle Periodic Fmence Charges br each day of the big period for each transaction abgay We use is following equation to catytde Periodic for each trasacion category Average Duty Balance x nrrbo d days n On big period x Deily Periodic Ras. pSee the finance charge summary on your s*AmmFd for these annoaxds.) Then we add up the Periodic Fnarse Charges for each transaction category to get to bet Pariakc Finale Charges for your Account The average Daily Balances. shown as zero it. because of the grate period, no Periodic Frmm Charges apply to the balance in a transaction category. We use to Average Defy Balance (including row transactions) mellod of alc la6g for balance hym which we nycee Periodic Finance Chagas We a mpite faAvemage Daily Balance for each transaction eetegcry by adding try all the daily babnoss in a bulling period for a transaction category and dwidng the blot by to maim o (days in to big cycle. We compute de daily balance for each transaction category an each day by fist adding to blowing to to previous days daily balance, to st ctiams made that day, lees charged that day and Periodic France Charges accred on tut dry. K a transaction is posted to yo rAcootrd albs the dose of the billing period in which 9 omm, we will test the bansedion as having occurred on for first day of do big period in which it is exited b your Account A0 bccardare added to the standard purchase transaction asgaywh Be exapim at Cash Advance Transaction Fee Finance Charges which are added to do cep rare transaction category and Balance Tms* Transaction Fee Fivase Charges w iich are added to the applicable bdanos wrsler basadim category. When the spacial rate exp m. we move to ufoid balance o (tie balance transfer and Vie Balance TmrWw Transaction Fee Fnaoe Charges to for standard purchase transaction category. however, if to special rote tea been temamod under to Default Rabe Ron, we leave Ow unpaid balance of the balance Iransler and the Balance Trasfa Transaction Fee Finance Charges in do agyieabbe transaction category and to special rate want have sapied- Fa TDD (Telecommiu icatons Device for the Dm fl asskWce, ag 1804347-74 9. Discover may nhomilor andror record telephone cats between you and Discover representatives for golly assurance purposes The Discover' card is sued by Discover Bonk, Member FDIC. 0ITBK107 `° DISCOVER $$2,361.30 23 SDSN6A01 0007642 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due i $ -- __ __ _ __ Payment Due Date Apri 22, 2008 Account Number ending in 4075 Enter Amount Enclosed Below $ 1 Phase make check payable to Discover Cord. You are overlimit. Pay the sum of the monthly minimum payment plus the ovedimit amount of $61.30. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover comlpaperless. PO BOX 71084 Illrrrll"rsslrlrrllsrlsl' CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrlnllrrlunlrllnr)ulr)orllllrulolnlnllalulnlrlnll above, or go to Discover.com. Print your e-mail address ro receive important Account information and special offers. 000001986458999668235023613000100000007100 Discover More Card Account Summary Closing Date: Mach 23, 2008 page 1 of I Account number ending in 4075 Previous Balance $2,405,46 Payment Due Date April 22, 2008 Payments And Credits 100.00 Minimum Payment Due $71.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 55.84 _ Cnsh Credit Available $0.00 Now Balance $2,361.30 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' Opening Cashback Boras Balance $ 1.55 Now Coshbock Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 ?Cashback Bonus® Anniversary Month: December Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashback Bonus on purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? "i°'" your I Visa D6c&v r cam to pay yaw bill! for no coal latest Account information, earn and redeem rewards card more It's your choice - 3 ways to help 2. Call 14804DISCOVER (347-2683) for fast, cosy 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 heart im it see reverse side n9 Pa ?) Sak Lake CHy, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. P Dat Payments and credits Mar 22 Mar 22 PAYMENT THANK YOU $ 100.00 Information For You Your Account is overlimit. While we are permitted under the Cardmember Agreement to charge you an Overlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the dose of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Overlimit Fee section of the Cardmember Agreement for details. hM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENrAGE PERCOFFAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $2425.48 0.07942% 28.99% F 28.99% $55.84 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rated above. Nnporhnt Information. t terse is min than one pegs to to bang statement. see the bad d each page for addiionai important information. See your CardmemlKr Agreement Your Cardmember agtemteM contains all to terms otyour Aomramt. Lost or stolen cards. Report imneclieW Cal 1.80D-347-2683. Bting Rights Summary. In Case d Emus or OuesbonsAbatl Your Bbl: t you fink your bill is wiimg, or d you need more kt(amotion abort a trarnsadim on you bill, write us an a separate sheet of paper at Discover PO Box 30421, Sat Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you he Let bill on which the mama or problem appeared. You can telephone us, but doing so will not preserve you rights- In you Mier, give us the following Wormabort Your name andAcco nt rxmber The dollar arrant of the suspected error Desaibe the error and explain, if you can, wiry you believe here is an error. M you need more information, describe the dean you are unsure about. You do not have to pay any smart in question while we are investigating. but you are still obligated b pay the parts of yaw bill that are not in q moon YAM we investigate you queston, we cannot report you as dhdrguentor take any anion to coke the amount you question Special Ram for Credit Card Puahues: t you have a problem with to qualty dgoods or services that you pudrased wdh a credit card end you have Pied in good faith to, caned to problem wth the merchant. you may not ton to pay In Femmwg amount due on the goods or services. VW have this prdecbm only when the prdese pace was more tun $60 and to purchase was made as you home slate or whhih 100 miles of your mading address. (If we own or operant to merdiaK or it we meted you the advertisement for the good or services, at the purdhese are covered regerdess of the amount or' , i aon of to purchase.) Payments. Send only your payment and the top portion of to stetmhent in he envelop provided. Do ad send cash. By sending you deem as described shove, you sdonze us to use mbrmapm onyour Bede to make aid ebdmm iad tenalr from your eaaunt d to firandd ietibtion ndiceled on you dredu a to process he peptwt as a dueck transaction . t he payment is processed as an electronic: W transfer, he transfer will be for he amount of Be check VIA= we use idon. abort from your deck b matte an daemonic fud transfer, lunds may be wlhdem from you account as soon as the same day we receive your payment, and you will not receive your check back ism your firarmd I sthction. The pr-rq of your payment maybe delayed d you sand cash, -espondence orodwthars wish your peyrtent, it you send the payment for any other address or dyou use an envelope other thrt to one provided. Paymerte received in proper form at our processing facility by 5PIA beet bma on any day will be cradled to your Aocant as of hall day. Payments received at our processing facility after 5PM local (make will be aedAed to yourAccout as of the need day. g you have misplaced you envelope. send your payment to Dsscovw, PO Box 6103, Card Stream. IL 60197-6103. Please allow I-110 days for deivery. N your payment is returned unpaid. we reserve he right to resuMit it as an electronic debit You can pay your mamum payment or a greater amount over On hileptae, and you can sat up a lorneh: payments Call us at IMO-3472683. You will need in stemro rt and you beak accart adomretion. You mud ensue hat ancient funs we oval" in you bank acmurt. and all tasectias must comply with U.S. law. You will be add to provide the fast 5 digits d you accoud datement ZIP code. By erteig Lase ranchers as you electronic signature, you will be agreeing b his authorization to stow to and your bads b deduct each payment you autonae from you bank acorn, and to vitiate debit orseen enties b ymr bar* accmK as apOmd)le, b cwmd errorn the pracess. g of such payment. Your must let its the apart of each papeK or you can select an apart such as Minimum Paymad Due or the New Balance on each sta4mhet. You can crud a payment, however we must receive notice at least tree bhaihess days in advance of the scheduled papert You may no* us by phone at 1-800-347 2683 or by peal at the address listed in he pemus paragraph. t you payments may vary in amount we will felt you on each an" statement when your payment will be merle and how much it will be. You Automatic papard win" may be less hen to ihdirefed on he nanny statement based on aeah or papWas applied duing the billing cycle. Credit Reporting. We nay repro idamabon about your accant to credit dress. Late payments, missed payments or our defaults on your eccout may be reflected in your aril repro. We namely report he MM and paymerd history of you Account b credit reporting agencies each m th. t you believe that our report is i econar or incomplete, please write is at he following address: Discover. PO Box 15316. Wkniglon, DE 199505316. Please ialude your new, address, home telephone number and Acoaat number. PERIODIC F14AKE CHAGES. Periodic Finance Charges are imposed on all transacic s from the date the trahsarkm is posted b your Aecaint mil he date you pay your an" New Balance, by making payments or receiving credits. However, we will provide he following `grace peniod B you paid the New Baliom on your pervious billing statement by the Payment Due Dale shown on that statement, and you pay the New Bdarhce by the Payment Due OW on his statemend we wd not impose Periodic Fiance Charges on new purchases, that is. prduses first appearing an this s7larneea Otherwise, you will receive a baling statement ned maMh that includes Periodic Fiance Charges on terse new purchases. There is no grace period on balance trrakrs or cash advances. We sort you eansactans into groups of purchases, cash advances, and balenoe transfers and hen kxthar sort the Yasacbms wtlm each group by their Annual Percentage Rate. For example prduses shbjed b a promotional tale ad pwcrses s bled to standard rate would be separate grails- We refer b these groups as transaction categories. At the and of each biting period, we am" Perak Fineace Charges for each day of the biting price for each trarsecdon wmgary. We use he following eghatim to omhpte Periodic for each easacion category Average Daily Balance x number of days in the biting period x Daily Penada Rate . (See the fna ce Berge summary m your statement for these amor ) Than we add up the Periodic Finance Gorges for each transaction category to gat the awe Periodic Fiance Charges for you Account. The average Daily Babace is shown as zero it because of he grace period. no Penadc Finance Charges apply to the balance in a transaction category. We use the Average Deily Balance (including new traiserhors) method of cdalow g he balance q m which we impose Periodic Finance Ganges. We co" teAverage Daly Balara s for each transaction category by adding up at the daily balances in a billing prod for a transaction category and dialog the btd by to number of days in he billing cycle. We compute to daily balance for each transaction category on each day by first adding the lollowng to the previous days daily balance. transactions made hat day. foes charged hat day and Peno& Finance Charges axrued on that day to transaction is posted to your Account oiler the dose tithe billing period n w4hidh d coops, we vet treat the transaction as having occurred on the first day of On b*V period in which it is posted to your Acmut. All fees ?? ere aided to he standard prdase transaction category with to exception of Cash Adva ce Transaction Fee Finance Charges which are added to the apphi?tramsacionh ategory and Balance Transfer Transasiomn Fee Finance Charges wbldn are added to to aphplaahle belarnoe taster iaroadan category Mien he special rate expires. we move he unpaid balance of the balance taster and to Balance Transfer Trarsecim Free Finance Charges to the standard prdese transaction category. Hoverer, A the special rate hu been terminated udw the Default Rate Plan, we leave the unpaid belemae of the balance transfer and the Bahama Trader TrasaLtm Fee Florae Charges in the appkabte transaction category trtl the special fate would have expired. For TOD (Telecommunicaticin Device for the Deal) assistance, at l4W347-7449. Dscover may monitor ardor recad telephone calls between you and Discover representatives for quaky assurance purposes The Discover' card is issued by Discover Bank. Member FDIC. O1TBI(107 DISCOVER $2Now ,319.97 e 23 SDSN6A010007643 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $70.00 Ender Amount Enclosed Below Payment Due Dale $ 1 May 22, 2008 Please make check payable to Discover Cord. You are overlimit. Pay the sum of the monthly minimum payment plus the overhmt amount of $19.97 Go paperless and make your account information more secure with pansword- protected statements only you can access. Learn more at discover corrdpaperless. PO BOX 71084 Illrsrll"rrnlslnrll"I'I'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print chonge in space Irrlnllulunlnllurlnlrlnnllllnnlnlnlullnlnlnlnlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OOODU19864589996682350231997U010000000700U Discover More Card Account Summary Closing Dale: April 23, 2008 page 1 of 1 Account number ending in 4075 Previous Balance $2,361.30 Payment Due Date May 22, 2008 Payments And Credits 100.00 Minimum Payment Due $70.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 58.67 Cash Credit Available $0.00 New Balance = $2,319.97 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' Opening Cashbock Boras Balance S 1.55 New Cashbock Bonus This Period + 0.00 Cashbodc Bonus Balance $ 1.55 Cashl dck'$or? Anniversary Month: December Keep building your rewards with every purchase. Start redeemirg once you reach $20 Cashbock Bonus(R). Help You? How Can We He , view r 1 Visit Discoer cam to pay your 691 for no cost ktest 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 Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. u ta Dab Payments and Credits Apr 22 Apr 22 PAYMENT THANK YOU $ 100.00 Charge Summary Nominal Transaction Average Dal' y ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE RNANCE FINANCE elan Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2383.17 0.07942% 28.99% F 28.99% $58.67 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. U there is more than one pegs b this bdleg slab we the bads of each page for additional important i lommalon- See your Cardmamber Ageement Your Cardnandw agreement contains all the terms of your Account. Lost or abfan cards. Report irrnedstely! Cal 14I0(1347-2683- BW" Rights Smrmryr. In Case of Errors or Ques9maAboul You Bit t you lurk your bill a wrong. or if you need more inbmnatiah about a vansactim on yaw bill, wile us on a separate sheet of paper at Discover. PO Box 30421, Sal Lace City, UT 84130-0421. as soon as possible. Vile must hear bom you no leer trrh 60 drys after we sent you the fist bill on which the error or problem appeared. You can telephorne us, but doing so will not preserve you nghb. In your MW, give us the Jo8o" information: Yom now and Account number The dollar wham of the suspected error Describe to error and explain, f you an, why you believe there is an anon. t you need more manhefion, describe the item you are issue about You do not have to pay any amount in question while we are investigating, but youae sa nbliptrd to pay the parts of you bill that are not in question. While we iweshpla your - questiat we cannot report you as delsquerf or tare any adorn to coned he amount you clues on- Spadal(ovate (or Gads Cud Purchases: t you hams prd)W, vWhtw qu*y dgoods r services ha you puchred w h a aedt cud and yu have bind n good fain b coned to problem with the merchant, you may not have to pay the remaining areont due on the goods or services. You have trio protection only when the purchase price was more tow $50 and the purchase was made in your have slate or within 100 miles of your making address. (K we asst or operate the merchant or f we noted you the advarksament for he good at swam, all the purchase are covered regardless cite amount or location of the pudiese.) Payments. Send any your payment and he top portion of the datimerf it the errvdop provided- Do not send ash By sending you check as described above. you aul hone us to use ihtormeticn on your dock to mace and electronic bad bansler ban your aocaaa at to tirlanCial institution imnfirm, an yourdrat: r b process to paymentas a check transaction. tt the payment is processed as an electronic fund trasler, the barsler will be for the amarnt of he check When we use information from yaw dodo to mace an electors: lend trenaa, herds may be withdrawn bamm your accent as soon as the sane day we receive you payment, and you will not receive your dock back from your financial mo am m. The processing mfyou r payment maybe delayed tpu sand cash, correspondence oral" items *gh your payant,tyou said too Wflnean to any Dowa"m r"if ydi use 3n' envelope other than the one provided. Payments received in proper form at out processing fatty by 5PM local have on any day will be credited b yourAeorat as of tat day. Payments received at am pocessig lacibly after 5PM local time will be credited to your AccoW as of to nod day IF you have misplaced your owe*@, sod your payment to Discover, PO Box 6103, Card Stream, K 60197-6103. Please allow 7-10 days for delivery t you payment is returned unpaid, we reserve the n* to resubmit it as an electronic debt. You an pay you mkwmrn payment or a Weather amain over the Wephone, and you can sot up a9omaYc payments Cal us at 1400.3472683. You will need In slaarent and your bm* account iderma vin. You must owe that suBrJent furls are available in your bank account. and all transactions mat comply with U-S. law. You will be asked to pride the fnt 5 dgfs of you amours stalernent ZIP code. By entering terse numbers as you d idninic sgcabue, you will be agree erg to ft arMkaiuaw b slow us and yaw bob b deduct each payment you &Am=from your bank aocam, and to irtiere debit or credit w*m to your bane account. as applicable, barred ear in to processing of such payment You must sl us to amour of each payment, or you can select an amount such as 6lnin m Payment Due or he New Balance on each statement You an cancel a payment however we must receive notice at treat twee business days in advance d to sdhaduled payment. You may rosy us by phone at 14M347-IM or by and a to address baled in to previous pragaph. l yaw payments may vary in amour we will lit you an as& monthly statement when your payment will be made and how much C will be. YourAiomatic payment anon may be less ton to indaled on he monthly sfaterera based on credits or payments applied ding he Ion" cycle. Cre& Reportbq. We may repot inomation about ymw amonn b aedtbueaus. Lase paynens, missed paymss, a Odor defafs ah ymu award may be reflected n your sect report. We normally report he stars and payment hisbry of your Account to credt tgxdM agencies each month. N you believe hat out report is mace rri e or incomplete. please write ns at he following address: Discover. PO Bur 15316, Winiq . DE 19850-6316. Pkw include your name, address, home lelphon a, amber andAccount namber- PERIODIC FRWICE CNAGES. Periodic Finance Charges are npwod on all transactions from the date tw transaction a posted to yxrAccarn unit he doe you pay your entire New Balance. by making payments or receiveg aedfs. However, we vel provide the folowig'gace period" t you pad to New Balance an your pervious b&q statement by the Paymant Due Date shown on that statement and you prey the New Balance by the Payment Due Date an this statement we wit not impose Periodic Finance Charges on new purchases, that a, purchases first appeaiq on ha statamnt. Oherwise. you will receive a bhkng statement nail mahlh that icbdes Periods Frrerce Charges an those new purchases. There is no grace period on balance transfrs or ash advances. We sod your transactions, site grails of purchases, cash advances, and balance baslevs and tan further sort the transactions within each gmup by their Amd Pelantage Rate. For example purchase; st*d to a promotional roe and pudeses subjed to standard rate wand be separate gaps. We refer to these grails as transaction abgoies. At the end of each billing period, we crmpule Periodic Finance Charges fir each day of he bfi%perod fir each transaction cdoM We use he following OgM6 n to e:nprlb Periodic for each transaction category Average Deily Balance x amber of days in to WV period x Daily Periodic Rate- (See the &once charge summary on yaw statement Its these emeuas.) Then we add up the Peiodc Finance Charges for each transaction category to get the tad Periodic Fines Ganges for your Amounl. The average Daily Balance is shown as nro 9. because of to grace period. no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Day Balance (wmdudeq new transactors) method of alak" the balance upon which we impose Periodic France Chagas. We eonpub the Average Day Balance for each transaction caegory by adding up all the day balahas in a biiq period for a transaction category and dmwdrq he MW by he number ddays in the b&g cycle We ctnpu le the day balance for each irasacbm ategory on each day by first adding the blowi g to to previous dayla day balance. transactions made that day, fees charged the day and Periodic Finace Charges accrued onto day If a brisadlon is posted b you Amou t after he dose of the bi g period in which it owns. we wi bee to transaction as having owned onthe list day d the tiring pmW in which n s posed b yxaAccawd. At (?f1tLR$4owran re added b he atadaa purcase brisrtan ategry with he exopEen d Cash Advance Trensariw Fee Fnaha Ganges whidm ore added b 1M as shoos trarsrc6orm abgory and Balance Thornier Trasaction Fee Fierce Ganges which are added b tlo appiable belenhce banrbr traneacbon alegary. When tlo apecid nab mgires, vo more M upei! balarhce d the balace tsrster ad he Baarce Laster Tnrnsedarh Fee Finance Camgas b to stahdad prdase trensecian category lbwever, f to apedel nab Ma bash trnsabd under he Detamn[tab Plan: we leave he urpaid Daarhce d to tiaarce trasfer ad tla Brace Trasier Trasaction Fee France Cherges in the appkcebb bansactiorh coegay urdf tlme specs) rete would haw expied. For TOO (ielecommranatom Device for the Duo assistance, cal 1400.347-7449. Dawes may macs andrt read telephone caps between you and Discover rpresentafves for quelfy assurance purples The Discover- cad is issued by Dscover Banc, Member FDIC. OITBK107 New Balance i Minimum Payment Due; DISC: AVER $2,2775.33 $69.00 _ Payment Due Date June 22, 2006 23 SDSN6A01 0007644 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Account Number ending in 4075 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online @ Discowrcard.com. Go papedess and make your account information more secure with password- protected statements only you can access. Learn more at discover comfpaperiess. PO BOX 71084 Illurllauslrlnllnlrlsl CHARLOTTE HC 28272-1084 Address, e-mail or telephone change? Print change in space Ifill 11n1nr1r11nnlrh1rlhloll life r1nlrrlollu?h,1n111n11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235022753300100000006900 Discover More Card Account Summary Closing Dab: May 23, 2008 page 1 of 1 Account number ending in 4075 Previous Balance $2,319.97 Payment Due Date June 22, 2008 Payments And Credits 100.00 Minimum Payment Due $69.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $24.00 Balance Transfers + 0.00 Cash Credit limit $1,200.00 Finance Charges + 55.36 Cash Credit Available $24.00 Now_BaLance__. __ _ = $2,275.33 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 1.55 New Cashback Boma This Period + 0.00 Cashback Bonus Balance $ 1.55 CaAbock Bonus& Anniversary Month: December Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? ' Visit ° ? n information, on, your bM for and r doom r =L more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for W. 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 Uabllity Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits May 22 May 22 PAYMENT THANK YOU $ 100.00 &yffl Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Penodic PERCENTAGE PERCENTAGE FNANCE FINANCE Balances Rates RATES RATES CHARM CHARM current billing period: 30 days Purchases $150.43 0.07121% 25.99% F 25.99% $3.20 $0 Past Purchases $2189.57 0.07942% 28.99% F 28.99% $52.16 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Nnportord Information. If there is more than one page to On billing statement, see the back of each page for additional important information- y See your Cardmember Agreement Your Cardnenber Agreement contains at the items at your Account z Lost or stolen cards. Repot imredaihlyl Cat 1 06347-2681 ° Biting Rights Summary. In Case of Errors or Ouesions About Your Bill: If you t" you bit is wrong, or it you need more idommion about a tranaecion on your bill. wale to us an a as soon as possible. We must hear from you no War den 60 days offer we serd you the first kid on UT 84130-0421 Sale Lake City PO Box 30421 Di o0 o , . . scover. separate sheet of paper at which the error or problem appeared. You can telephone us, but doing so will not preserve you rights In you Iete, give the following information: o ° Yor nerve and Account number. The dollar amount of to suspected error Describe die error and explain, d you can. why you believe there is an error. If you need more information, describe the inn you are issue about. You do rat here to pay any amount in question while we are iwesspili g. but you are sit obligated to pay the pads of your bill that are not in question. While we iaresigMa your qw-ston, we carnal repoht you as delinquent or take any action to a>YecHhe amount you question Special Rule for Credit Card Purchases: t you have a problem with the quality c goods or services that you purchased with a credit cord, and you hiss, tried iagood teith to coned the remnrrg amount due an the goods or services. You have kilo p tecfron only when to pu I picemo man car S5D a not have to t ma h i h h p y . you y e merc an t t the problem w and the purchase was made in your horse stab or witan 100 miles of you mating address. (t we own or operate the merchant or if we mailed you the edverlisemnd for the goads or services, at 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 said cash. By sending your deck as described above, you an/aize us to use Information on you died to make an electronic lnd transfer from your soave at the financial institution indicated on yo rdedc orb process the paynenlas a deck trarKecYOrh. , It payment is processed as an electronic fund transfer, the transfer will be for the amount on the cane. When we use idormeYar from your diac k b male ar ewdrorrcfund transfer funds may be withdrawn from you accord as soon as the sane day we receive you payment, and you will not receive your dhedr bade from your financial saftsion. The processing of you payment may be delayed if you sad cash, comespo dance or other am with your payment, if you send the payment le any der eddwss ar/you use en odw tot ift m provided. Payments received in prope[ form at cut proamsng baby by ".Pfd total time on any day will be credited-to your AcmN as of to clay. Pagme * Povelope . received at our processing facility after 5PM local time will be credited to your Account as of h next day. t you have mspleced your envelope, send yam paynad b Discover. PO Banc 6103. Cad Sbeem. IL 60197-6103. Plem allow 7-10 days for dhdivery. t your payment is reigned unpaid. we reserve der rigid b resubmit l as an eledmnicdoW You can pay you nwwnum peyrmit or a greater amount over the telephone, and you can set up automatic payments. Cal us at 1 34 53. You will d to slosement the your You must ensue that sufficient funds are available in your bale acoont and all transactions must comply with 0. wit be sallied to h? bents account information . 5 digits of your account statement zip ode. By alerirg arose rrrnbers as your electronic siprmkire: you will be agreeing b the aghaaerior b Am us and your bat to dedudeach as applicable, b cared an error into pitmew g d suth pnymhalt Yau nest and b led iale debit or olds eraiies to your bank acoo nit ccount b l f , , t a rom yam e payment you audnrize or you can select an amount such as the Minimum Paynad Due or t ha New Balance an each sb4ement You can ancel a payment however we tell us the amount of each permit , must receive mice at last tree business days in advance of de scheduled paymor You may, notify in by phone at 14Q,347-2663 or by mad at the address isbd in the previous paragraph. If your payments may vary in amount we will tail you on each norO* statement when you payment wd be made and how much it will be. Your Automatic payment avant may be less den ndmaled on to monthly statement based an ctedds or payments applied during de biting cycle. i t Credit Reporting. We may report information about you account b credit bureaus. Lam payments, missed payments, or other defaults on you account may be reflected in your cred report We normally report the status and payment history of your Account to credit reporting agencies each month. dyou believe der our report is aeoc rere is nmmpbb, plane write us at to following address: Dwoover. PO Box 15316. WiMrgon. OE 19850-5316. Pleme include you name, address. tame telephone number and Account camber. PERO= FINANCE CHARGES. Penocke Fiance Charges are imposed on all transactions from the date the transaction is posted to your AooorA told h data you pay your ante by making payments or receiving credits. However, d you paid the New Balance on your previous billing statement by h Payment Due Date shown on that statement, and New Balance , you pay the New Balance by the Payment Due Date on you current billing statement, we will not impose Periodic Fierce Charges on new pudsses, cut s, purdrsom fiat appearing on the cured statement. We cell this tie grace period. Otherwise, you well receive a bang statement next month that includes Periodic Fierce Charges on thesis new purchases. There is no grace period on balance transfers or cash advances- We sat you transactions into group of purchases, cash advances. and balance transfers acl than inter sat the Rasacho s widuih each group by dhei Arid Perundsge Rate. For urchases nbyect to a standard rate world be separate groups. We rata to these groups as transaction uhgoies- At the end of motional rate and b t b h p a pro ases su jec example, purc each bifrng period, we compute batanas and Periodic Finance Charges for each day of the billing period for each transaction category. We use h blowing egation b couple, Periodic Finance Chagas for each transaction category: Average Daily Balance x number of days in h billing period x Daily Periodic Rate. (You may refer to the fnaree dherge summary on you btkrg statement for these arnorits.) Then we add to the Periodic Fiance Charges for each transaction category to gat the btal Periodic Frame pages for you Account. The Average Daly Balance is shown as zero 1, because of the Wace period. no Periodic Fierce Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new transactions) medal of caalaing the balance upon which we impose Periodic From Chagos. We compiler to Average Day adding up all the defy balances in a billing period for a transaction caw" and dividing On loss! by the rumba of dials a tie big cycle. We b h transaction cate or f B l g y y or eac a ance ampule the daily balance for each ro saction category an each day by first adding the 1o" to to proms day's defy balance iasacias madethat dolt, Iles caged td day I nth transaction and Pecidic Finance (images accrued on the previous days daily balance; and by then aftecYg any weft and payments that are WOW against to be tnahhhaiion category on that day. In calculating the daily balance for the first day of h bring permit we consider the *previous day's balance- to have been you balance for each category on the last day of your previous killing period. N a transaction is posted to your Acoctrnt after the dose of the billing period in which l occurs, we will teat to transaction as hav- ig occurred on the fist day of to billing period in which it is posted to your Accour Ad fees are added to h standard purdiese transaction category with h exception d CashAdvance Transaction Fee Fierce Chergeswhich are added b the When licable balace border bamsection category hich as added to h a Ch F Fr T i ?m . pp arges w ames ransact on ee arsad on category and Balance Trader ePPh a special balance transfer rate expires, we move the unpaid balance of dine balance transfer and to Balance Translar Trasanon Fee Finance Charges b to sfarhhI I prchm tasadim cabgoy. However, if the special rate has been terminated under to Deleut Raw Plan. we leave the upaid balance of h balance trasfer ad h Bafenoe TrasbrTrans- action Fee Finance Charges in the applicable transaction category until die special rate would love expired. For TDD (Telecommunications Device ter the Deaf) assistance. please cal 1141104147-7442- Discover may mono" andfor retard telephone cab between you and Discover representatives for ghdity assurance purposes The Discover* cad is issued by Discover Be* Member FDIC. OITBK170 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER ED ^ $2,231.56 $67.00 Enter Amount Enclosed Below Payment Due Dote $ 1 July 22, 2008 Please make check payable to Discover Card or pay online a Discovercard.com. 23 SDSN6A01' 0007645 HIXSON, JOSEPH Go paperless and make your account information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more at discover.corrdpaperless. PO BOX 71084 11111silr1rloll (rr(1rrliII CHARLOTTE NC 28272-1084 Address, ?mailor telephone change? Print change in space (ir?r??rrlrrrlrI1rrr(r11rliloll 11irr1111rrlrr{(rr(r1)r1lr)ir1) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235022315600100000006700 Discover More Card Account Summary Closing Date: June 23, 2008 page 1 of 1 Account number ending in 4075 Payment Due Date July 22, 2008 Minimum Payment Due $67.00 Credo limit $2,300.00 Credit Available $68.00 Cash Credit limit $1,200.00 Cash Credit Available $68.00 Previous Balance $2,275.33 Payments And Credits 100.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges _ + 56.23 New Balance $2,231.66 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: December Cashback Bonus Balance $ 1.55 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Help You? I Visit Discover.com to pay your bill for no cost, view our How Can We He latest Account information, earn and redeem rewardi and more Ctrs your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self service Please have Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data Paymenh and Credih Jun 22 Jun 22 PAYMENT THANK YOU $ 100.00 %jawCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic as Daily Periodic PERCENTAGE PERCENTAGE F? FINAC NC Balance Rafts RATES RATES current billing period: 31 days Purchases $107.08 0.07121% 25.99% F 25.99% $2.35 $0 Past Purchases $2188.95 0.07942% 28.99% F 28.99% $53.88 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Viso ih6 Dikouet Inman" Gitifer to hnd high quality protection for your fathily, hotolt dhd auto. Rsquin a quote ertfine at use the Knowledge Builder to read what the experts say about popular insurance questions. Visit Important Information. If there is more than one page to this toiling statement see the back of each page for additional important information. Sae your Crdmember Agreement Your CardmemberAgreemenl contains all the term of your Account. Lost or stolon cods, Report immediately! Cal 1. M347.2683. c B011ng Rights Summary. In Case of Errors or Questions About Your Bil: If you think your bill is wrong, or if you need more information about a transaction on your bil, write to 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 thorn 60 days attar we sent you the test bill on which the error or problem appealed. You can telephone us, but doing so wil not preserve your rights. In your letter, give us the $*wing information: -4 Your name and Account number. N The dollar amount of to suspected error Describe 1% error and explain, if you can, why you believe there is an error. If you reed more information, describe the item you are unsure about. You do not have to pay any amount in question while we re nwrslgeling, but you ere slit 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 to amount you question. Special Rule for Credit Card Puncleses: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have triad in good faith to cared 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 Rani 6% and one purchase was made in your home We or within 100 miles of your mailing address. (t we own or operate the merchant or t we waited you the advertisement for the goods or services, all purdmses 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 deck as described above, you sugarizs us to use information on you check to male an electronic lurid transfer from your account at the financial nsblugon indicated on your check or to process the payment as a dreolu transaction. 9 payment is processed as an electron: fund transfer, the transfer will be for the amount on the check. When we use information from your deck to make an electronic fund transfer, funds may be withdrawn from your account as soon as the sane day we receive your payment, and you will not receive your deck back from your financial nstitutwn. The processing of your payment may be delayed if you send cash, correspondence or other item with your payment, it you send the payment to any other address or g you use an envelope.olta than the one, provided. Payments received. in proper form at our processing fray, by 5PM boa] are on any day wil be credited to you Account as of that day. Payments. received at our processing fealty after 5PM local one will be credited to your Account as of the text day. If you have misplaced your am", send you payment to Discover. PO Box 6103, Card Stern, E 60191.6103. 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 min num payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1400.347.2683. You wil reed this statement and your bank account information. You must ensure that sufficient funds are available in your bank accanl, and at transactions rust comply with U.S. low. You will be asked to provide the first 5 digits of your ao mW statement zip code. By enterwg apse numbers as your electronic signature, you will be agreeing to this aut coin on to dlvw us and your bank to do" each payment you authorize from your bank amount, and to inni Tale debtl or credit entries to your bands amount, es applicable, to correct an era n the procas64V Of such Payment. You mast del us the amount o (each payment, or you can select an amount such as to Minimum Payment Due or he New Balance on each statement. You can creel a payment however we must receive notice at best grin business days in advance of to scheduled payment You may nobly us by phone at 1400.347.2683 or by mail at the address listed in to previous paragraph. t you payments may vary in amount, we will led you on each monthly statement whrn your payment will be made and how much it wil be. YourAutanalc payment amount may be bas than indicated on he monody statement based on credits or payments applied during the billing cyde. Credit Reporting. We may report m omretion about your arrant to credal bureaus. Late payments, missed payments, or other defaults an you account may be reflected in your credit report We rarely repot the status 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 to blowing address: Discover, PO Box 15316, Wikrrnglon, DE 19850.5316. Please include you 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 Accrrnt until the date you pay your entire New Balance, by making payments or receiving credits. However, 0 you paid the New Balance on your previous billing statement by the Payment Due Dale shown on that statement, and you pay the New Balance by to Payment Due Date on your current biding statement. we will not impose Periodic Finance Charges on now purdeses, that is, purchases first appearing the current statement. We cal this to grace period. Otherwise, youwii receive a billing statement next month that includes Periodic Finance Charges on dose new Purchases. here is no grace period on balance transfers or cash advances. We sort your tramactiors into groups of purchases, cash advances, and below transfers and ten further sad the trgeaclons within each group by their Annual Percentage Rate. For example, purchases subject to e promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the biting period for each transaction category . We use the following equation to compute Periodic France Charges fa each transection category. Average Deily Balance x number of days in the biting period x Daly Periodic Rate. (You may refer to the finance charge summary on your bigrig statement for Rase amounts.) Then we add up the Periodic Finance Charges for each transaction category to gel the told Periodic Finance Chews for your Account. The Average Daily Be*" is shown as zero it, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use des Average Daly Balroe (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute one Average Drily Balance for each transaction category by acting tip all the daily balances in a biting period for a transaction category and dividing the total by the number of days in the billing cycle. We compute to daily balance for each transaction category on each day by fast adding the following to the previous day's daily balance: inamu Lions made that day, fees &"ad that day and Periodic Finance Charges accrued on the provkus day's duty balance; and by then subtracting any credits and psymmnm that are applied agent to balance of the transaction category on that day In eakvlatng to daily balance for the first day of to bitshg period, we consider the `previous day's balance" to have been you balance for each transaction category on the last day of you previous b4ling period. If a Irrmaclion is posted to your Account after the close of the tilting period in which it occurs, we wB treat the transaction as hav- ing ooprred on the fast day of the billing period in which k is posted to you Account. AN we added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Chagas which are added to the traesaction category and Balance Transfer Transaction Fee Fiances Chews which are added to to applicable balance transfer transaction category. When a special balance transfer late expires, we move tro unpaid balance of the beance transfer and the Balance Transfer Transaction Fee Finance Chargers lo the standard purchase transaction category. However, if the special rate has been terminated under the Default Rate Plan, we leave On unpad balance of the balance transfer mid to Billerica Transfer Trans, action Fee Finance Charges in the applicable transaction calagony unfit the spacial role would have expired. For TDD (Telecommunications Device for the DeaQ assistance, please call 1400.747.7449. Discover may monitor andfor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover' card is issued by Discover Bank, Member FDIC. O1TOK170 DISCOVER $2185 00Ce 23 SDSN6A01 0007646 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $66.00 Enter Amount Enclosed Below Payment Due Date . $ ?- -? August 22, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. 3o paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO sox 71084 III,.III- ..JJ?J6rLl?l 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. 000001986458999668235021850000100000006600 Discover More Card Account Summary Closing Date: July 23, 2008 page 1 of 1 Account number ending in 4075 Previous Balance $2,231.56 Payment Due Date August 22, 2008 Payments And Credits 100.00 Minimum Payment Due $66.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $115.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 53.44 Cash Credit Available $115.00 New Balance $2,185.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 1.55 New Cashbook Bonus This Period + 0.00 Coshback Bonus Balance $ 1.55 Cashback-Bonus® Anniversory Month: December Keep building your rewards with every purchase. Start redeeming once you reach $20 Coshback Bonus(R). How Can We Help You? I Visit Discover corn 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 1.8004ASCOVER (347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager Discover Card available. Please have your 3. Write us at Discover Card, PO Box 30943, For TDD assistance for hearing see reverse side ( impaired) Salt Lake Ciy,1UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payments and Credits Jul 22 Jul 22 PAYMENT THANK YOU $ 100.00 lj Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Reodie NTAGE ? PERCENTAGE FINANCE FINANCE S CHARGES CHARGES current billing period: 30 days Purchases $61.08 0.07121% 25.99% F 25.99% $1.28 $0 Past Purchases $2189.59 0.07942% 28.99% F 28.99% $52.16 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Wish you could sett these putchaw by amount, description or cahgoryl You path - retlstet at Dlseewteatd.com to view your purchases online as for back as 12 months. Learn more at Discovercord.com/purc ases Important kdormatlon. If there is mots than one pegs to this billing statement, am the back of each page for additional important information. See your Cardmember Agreement Your Cardmember Agreement contains all the terms of yourAccount. Lou or stolen cards. Report immediately! Call 14100.347.2683 Billing Rlghle Summary. In Case of Errors or Questions About Your BS: If you dunk your bill is wrong, or if you need more information about a transaction on your bill, write to us on a 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 than 60 days ater we sent you is fret bill on which the am or problem appeared. You can telephone us, but doing so ON not preserve your rights. In your letter, give us the following information: You new and Account nurnber. The dollar amount of the suspected ens Dew" the error and explain, d you can, why you believe dimes an errs. If you need more information, describe the item you are unsure about. You do rat have to pay any anhount 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 camel report you as definquent or lake any action to tolled the amount you question. Special Rule for Credit Cab Purchaser. 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 nemarirhg amour due on the goods or services. You have this protection only when the purchase price was more than $50 end the purchase was made in you home state or within 100 miss of you maing 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 portion of this statement in the envelope provided. Do not send rash. By sending you check as described above, you authorize us to use information an your check to make an elsctromo hard transfer ban your account at the financial nsNlution indicated on your dock or to process the payment as a dock transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amounl on the check. When we uss information from your check to make an electronic tend transfer, funds may be withdrawn from your somril as soon as the same day we receive you payment, and you will not receive your check tuck from your financial institution. The processing of your payment may be delayed lt 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 dher then the one provided. Payments received in proper, form at our processing (adlNy by SPM last t me onanydey cod be credited to your Acmuht as of that day. Payments_ received at our processing facility after 5PM local time wig be credited to your Account as of to next day. If you have misplaced you envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. It your payment is rein ed unpaid. we reserve the right to resubmit it as an electronic debit. You can pay-you mniruxn payment or a greeter amount over the telephone, and you can set up automatic payments. Cal us at i -80D-347 -2683. You will reed this statement and you bank account information. You most ensure that sufficient kinds are available in you bank aocokmt, and all transactions must comply with U.S low. You will be asked to provide the Prat 5 dings of you account staternerhl rip code. By n" Lase numbers as you electronic signature, you will be agreeing to this authorization to allow in and your bank to deduct each payment you autorize from you bank account, and to initiate debit or credit entries to you bank account, as applicable, to correct an error in the Processing of such payment, You must ten us the amount of each payment, or you can saw 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 best tree business days in advance of the scheduled payment You may notify us by phone at 1-800347.2683 or by matt at the address based 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 it will be. YourAutomatic payment amount may be Was tan indicated on the monthly statement based on credits or payments applied dung the billing cycle. Credit Reporting. We may report Information about you account to credit bureaus. Late payments, missed paymens, or other defaults on your account may be reflected in you credit report We normally report the status and payment history of you Account to credit reporting agencies each month. If you believe that our report is inaccurate or ncamplete, please write us at to following address: Discover, PO Box 15316, Wilmington. DE 19850-5316. Please include you name, address, Dome telephone number and Aocokmt number. PERIODIC FINANCE CHARGES. Periodic Finance Changes are imposed on all transactions from the dale the transaction is posted to your Account unlit to dale you pay you entire New Balance, by making payments or receiving credits. However, it you paid the New Balance on you previous billing statement by the Payment Due Date shown on that staement, and you pay the New Balance by the Payment Due Dale on you current billing statement, we will rat impose Periodic finance Charges on new purchases, that is, purchases first appearing on to current statement. We call this the grace period. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on gorse now purchases. There is no gram period on balance transfers or cash advances. We sort you transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions Oft each group by tear Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate grotpe. We refer to Use groups as konsedwn categories. At the end of each billing period, we compule belmoes and Periodic Finance Charges for each day of On billing period for each transaction category. We use the foflowkg equation to compute Periodic Finance Charges for each transactor category: Average Daily Balance x number of dap in the billing period x Daily Periodic Rate. (You may refer to the finance large summary on you biting statement for teas amounts.) Then we add up the Periodic Finance Chortles for each transaction category to gel the total Periodic Finance Charges for your Account. The Average Daly Balance is shown as zero if, because of Vie grace period, not Periodic Finance Charges app!y to the balance in a transaction category. We use the Average Daily Balance (ehctudirhg new lrensedws) meted of calculating the balance upon which we nhpose Periodic Finance Charges. We compute pe Average Daily balance for each transaction category by adding up all the daily balarhces in a billing period fix a transaction category and dividing the chill by to number of dap in the billing cycle. We om puts the daily balance for each transaction category on sack day by first adding the fogowrp to this previous day's daily balance: transactions made that day, fees charged that day and Pwwkc Finance Charges accrued on the previous day's daily balance ; and by than wblrooling any credits and payments that are applied against the balance of the transaction category on that day. In cdohMting to daily balance for On first day of the billing period, we consider ths `previous day's balance" o have ben you balance for each transaction category on the last day of you previous billing period. If a transaction is posted to you Account after the close of the billing period in which it occurs, we will treat the transaction as hev- irg occurred on the first day of In billing period in which it is posted to your Account All tees ??gqaa??pp??dd t are added to to standard purchase transaction category with to exception of Cash Advance Transaction Fee Finance Charges which are added to the appbmbii6iO?serxlon cafegony and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. When a special balance transfer rase expires, we move the unpaid balance of the balance transfer and to Balance Transfer Transaction Fee Finance Charges to to standard purchase connection category tfowever, t to special rate has been terminated under the Default Rate Plan, we kave the unpaid belence of to balance transfer and the Balance Transfer Trans- action Fee Franca Charges in the epplinabls transaction on" until the special rate would have expired. For TDD (Telecommunications Device for the Dal) assistance, plnse call 1400.341.7449. Discover may monitor "or record telephone calk between you and Discover representatives fa quality assurance puposes The Discover' card k issued by Discover Bank, Member FDIC. OITBK170 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $2,139.21 $65.00 Enter Amount Enclosed Below Payment Due Date $ 1 September 22, 2008 Please make check payable to Discover Card or ;gay online 0 Discovercard.com. 23 SDSN6A01 0007647 HIXSON, JOSEPH C+opaperlessandmakeyouraccount information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 LearnmoreatdiscovercorNpaperiess. PO BOX 71084 111 rrr 11 11111 l r l r r l l r r l r l II CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space IrrIrIIII1rrr1r11loll rr)r11111111rrrIrrloll rrI(loll r)rr)r)rr)) above, or go to Discover.com. Print your e-mail address to receive important Account Information and special offers. 000001986458999668235021392100100000006500 Discover More Card Account Summary Closing Date: August 23, 2008 page 1 of 1 Account number ending In 4075 Previous Balance $2,185.00 Payment Due Date September 22, 2008 Payments And Credits 100.00 Minimum Payment Due $65.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $160.00 Balance Transfers + 0.00 Cash Credit limit $1,200.00 Finance Charges + 54.21 Cash Credit Available $160.00 New Balance $2,139.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ccuhback Bonuse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 'Cdo;h1 dckBdriu0 Anniversary Month: December Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Con We Help You? I Visit Discover.coin to pay your bill for no cost, view your l t t A t i f ti d d d d It's your choice - 3 wa s to hel a es ccoun n orma on, earn an re eem rewar more s an 1 Call 1-8MDISCOVER (347.2683) for fast, easy self-service y p options or to speak with a Customer Service Account Manager Please have your Discover Card available. , Write us of Discover Card, PO Box 30943, 3 For TDD assistance for heart see reverse side ( n9 impaired) Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Paymenh and Credits Aug 22 Aug 22 PAYMENT THANK YOU $ 100.00 r eaftCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Perlodlc PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES _ CHARGES current billing period: 31 days Purchases $17.66 0.07121% 25.99% F 25.99% $0.38 $0 Post Purchases $2187.06 0.07942% 28.99% F 28.99% $53.83 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary. (V) as noted above. Fall fashions breaking the bank? Shop Back-toSchool sales through our exclusive online shopping site ShopDiscoverl Earn 5% to 209e Cashback BomJ3(R) at your favorite online retailers like Old Navy, Sears, Lands' End and many more. Visit n;..........._ icu..- ...r-.,i Important Information. If there is more dun one page lo this biding stalemeM, see the beck of each page for additional important information Sae your Cardmember Agreement. Your CardmemberAgmemenl contain all the tens of your A cent. Lost or stolen cards. Report immediately! Cad 1-000.347.203. _g Biting Rights Summary. In Case of Errors or Questions About Yaw Bid: If you think you bid is wrong, or l you need more information about a transaction on your bill , write to 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 than 60 days alter we send you to fist bill on which the error or problem appeared. You can telephone tin, but doing so will not preserve your rights. In your letter, give us the following information: Your now and Account number. a The dollar amount of he suspected error Describe the error and explain, l you can, why you believe there is an error. If you need more information, describe to item you are unsure about. You do not have to pay any amount in question while we are investigating. but you are sill 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 scoon to collect the amount you question. Spsdol Rule for credit card Purchases: It you have a problem with the quality of goods or services that you purchased with a credit card, and you hove tried in good faith to oared the problem with the merchant, you may not have to pay the remaining amount due on the goods or servioss. You hays this protection only when the purchase price was more dw $50 and the prdwas was made in your home state or wdhn 100 miles of your mailing 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 portion of this Moment in the envelope provided. Do not send cash. By sending your check as described above, you aut prize us to use information on your check to make an electronic fund transfer from your sooount at the financial institution indicated on your check or to process IM payment as a dick transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount on the check. When we use information from your check to make on electronic furl transfer, fnrhds may be withdrawn from your account as soon as the same day we receive your payment. and you will not receive your check bad from your financial institution. The processing of your payment may be delayed d you send ash, comespondenoe or other items with your payment, it you send the payment to any other address or if you use an enve(opq qpy. then dho.one provided. Payments received in proper font at our processing loality by 5PM.lgcal Jime on my day wild be creditedlo your Accoumt.as of #at* Payments received at our processing facility after 5PM local time will be credded to your Account as of the next day. If you have misplaced your envelops, send your payment to Discover, PO Box 6103, Carol Stream. IL 60197-6103. Please allow 7-10 days for delivery. I your payment is returned unpaid. we reserve to right to resubmit t as an electronic debit. You an pay your mtmrtum payment or a greater amount over he tebphors, and you an set up aubmasc payments. Cad us at 1-800-347.2663. You will reed this staternert and your bank account information. You must ensure Out sulficimt funds are oval" in your bank account, and all transactions must comply whit U.S law. You will be asked to provide the fast 5 digits of your account statement zip code. By entering dose numbers as your ele trow signature, you will be agreeing to this authorization to allow us and your bank to deduct sea payment you authorize from your bank accent, all to n bate debit or credt entries to your bank account, as applicable, to correct an error in the processing of such psymsm. You must lad us to amount of each payment, or you an select an amount such as the Minimum Payment Due or the New Balance on each statement You an anal a payment, however we must receive notice at least three business days in advance of to scheduled payment You may notify us by phone at 1-8M-347.2683 or by mail at ha address listed in Its previous paragraph. If your payments may vary in em . we At tell you on each monthly statement when your payment will be made and how much it will be. YourAubmatic payment amount may be less tan kdkated on the monthly statement based on credits or payments applied during to biting cycle. Credk Reporting. We may report information about your accent to credit bureaus. Late payments, missed payments, or other defaults on your accent may be reflected in your orsdk report We namely report the status and payment history of your Account to credit reporting agencies each north. If you believe that our report is vaccinate or incomplete, please write us at the fodawng address: Discover, PO Box 15316, Wilmington, DE 198545316. Please include your ante, address, home lelephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all traaactione from the date ha 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 Now Balance on your previous billing statement by the Payment Due Dale shown on tnl stelenanl, and you pay he New Balance by hha Payment Due Date on your current biting Moment we will not impose Periodic Finance Charges on raw purchases, that is, pro=" fat appari g on the eunent ehtement. We ail he the grace period. Otherwise, you will room" a biting statement next month that includes Periodic Fmana Charges an those new purchases. There is no grace period on balance transfers or ash advances. We sort your transactions nib groups of purchases, ash advances, end balance transfers and tan further sort the trVaisdrons within each group by tali Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to gale grape as transaction aagories. At the end of each biding period, we campus balences and Periodic Finance Charges for each day of the billing period for each transaction category . We use to following equation to oompute Periodic Finance Charges for each transaction category: Average Daily Balance x num1w of days in the billing period x Deiy Periodic Rate. (You may refer to the finance charge summary on your biting statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get to total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero t, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use to Average Daily Balance Inctudsy raw transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We crrpule the Average Deily Balance for each transaction category by adding up all the dairy belacxes in a billing period for a transaction category and divk6V the total by the number of days in the billing cycle. We compute, the defy balance for each traneeetion category on each day by final adding the following to the previous day a daily balance: transactions made that day, fees charged W day and Pelledr0 Finance Charges accrued on the previous day.a daily belance; and by then subtachg any credits and payments flat are applied against the balance of to rreneaction category on # at day. In calculating fe daily balance for the first day of the billing period, we consider the "previous day's balance" to have been your bonorr for each transaction category on the lest day of your pravwus billing period. If a transaction is paled to your Account after the close of the biting period in which it occurs, we will treat the transaction as hev- ing occurred on the first day of to billing period n which it is posted to your Account. All fee yyQQuu?Account are added to the standard purchase transaction cot?ay with the exception of CashAdvance Transaction Fee Finance Charges which are added to to sppiic?W transaction category and Balance Transfer Transaction Fee F'ranac Charges which are a lded to the applicable balance transfer transaction ategary. When e special balance transfer rate expires, we grove he unpaid balance of the belena transfer and the Balance Transfer Transaction Fee Finance Charges to die standard purchase transaction category. However, t the special rate has been terminated under to Default Rate Pion, we leave the unpaid balance of the balance transfer and ilia Balance Timarer Trans- action Fee Finance Charges in the applicable transaction category until tla special rate would have expired. For TOD (Telecommunications Device for the Deal) assistance, please all i4W347.7449. Discover may monitor and/or record telephone calls between you and Disoover representatives for quality assurance purposes. The Discovee card is issued by Discover Bank, Member FDIC. nit TRwt M DISCOVER New Balance ? Minimum Payment Duo i Account Number ending in 4075 $2,231.49 $13100 Enter Amount Enclosed Below Payment Due Date J $ ?- October 22, 2008 Please make check payable to Discover Cord. i Minimum payment due includes a past due amount of $65.00. 23 SDSN6A010007648 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA Go paperless and make your account information more secure with password- protected statements only you can access. 17055-5752 Learn more at discovercorrdpaperiess. PO BOX 71084 1111111111 11111 1111111 loll oil I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lr?lrllrrl?irl?ll?r?lr?l?lrrrllllrrr?rrlrrlrrllirlrrlrrlr?rrl? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235022314900000000013200 Discover More Card Account Summary Closing Datei September 23, 2008 page 1 of 1 Account number ending in 4075 Previous Balance $2,139.21 Payment Dee Date October 22, 2008 Payments And Credits 0.00 Minimum Payment Due $132.00 Purchases + 39.00 Credit Limit $2,300,00 Cash Advances + 0.00 Credit Available $68.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 53.28 Cash Credit Available $68.00 New Balance . $2,231.49 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + = Cashback Bonus Balance $ 1.55 CdAback 8onus® Anniversary Month: December How Can We Help You? I Visit Discover eom to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service Please have Discover Card available. your options or to spook with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Solt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Sep 23 Sep 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. Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FI FIA Balances Rates C RATES RATES CHARGES current billing period: 31 days Purchases $0.38 0.07942% 28.99% F 28.99% $0 $0 Past Purchases $2164.50 0.07942% 28.99% F 28.99% $53.28 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Medy ter fooftil sasxent "at~ey1FU Ise mood fat the big gams and anent A% to 19% eashu t 9s mes(ft) wham yet, shop online at over 100 top retailers like. ircuit City, Sports Authority and Omaha Steaks through ShopDiscover Visit ShopDiscover of Discover.com/shop todayl knp~ Womution.11 there is more than as page to this bill" statement, see the back of each page for additionshmponnt information. p See your Cardmember Agreement Your Cerdnamber Agreement contains all the terms of your Account. Lost or stolen cards. Report immedietelyl Call "DO.347.2683. _ Bitting Rights Summery. In Case of Errors or Oueslions About Your BR: If you think your bid is wrong, or t you need more infatuation about a transaction on your bill, write to us on a g separate sheet of paper at Discover. PO Box 30421, Soft Lake City, UT 84130.0421, as soon as possible. We must hear.irom you no hater titan 60 days after we sent you the first bill on o which No error or problem appeared. You can telephone us, but doing so will not preserve your rights, In your letter, give us the following information: o? Your name and Accent number. The doge amoral of the suspected error p Describe the error and explain, it you can, why you believe there is an error. I you need more information, describe IN 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 ball drat we 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 Ruh for Credit Card Purchssn, 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 cared Ina problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection or* when the purchase pace was more than $50 and the purdsae wee made in your home stale or within 100 miss of your moll g address. (I we own or operate the merchant or I we mailed you the adver isemerw for the goods or services. of purchases are coveted regardless of the around or location of purchase. Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send ash. 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 insildutfon indicated on you dwdm or to process the payment as a d" transaction. If payment is. processed as an electronic hard transfer, the transfer will be for the amount on the ohedt. When we use nformeton from you check to slake an electronic fwd transfer, funds may be withdrawn from you acomil 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 your payment may be delayed t you send ash, cemesporidence of other items with your payment, if you send the payment to any other address or it you use an -enwlope.o#w than.Itepno Mvidod. Payments. received in proper tam at Qur grogei sng facility by 5PM local time on any day will be credited to you Account as of that day. Payment. received at our processing facility after 5PM local rime will be credited to your Account as of the next day. I you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60191.6103. Please allow 7-10 days to delivery. If your payment is returned unpaid, we reserve the right to resubnut it as an electronic debit You an pay you minimum payment or a greater amount over the teleptone, and you an set up automatic payments. Ceti us at 1800.347.2683. You veil need this statement and your bank accent nformation. You must ensure that sufficient kads are available in your bards ecoot nt, and all transactions must comply with U.S. law. You will be asked le provide the first 5 digits of you account slaremem zip code. By ordering Lass numbers as your electronic spnat rs, you will be agreeing to thh authorization to allow us and your fxadu to deduct each payment you authorize from your bank acoount and to initah 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 amid rd of each payment, or you an select an amount such as the Minimum Payment Due or the New Balance on each statement You can canal a payment, however we must receive notice at (cast three business days in advance of the scheduled payment. You may notify us by phone at 1900.347.2683 or by mail alto address listed in time previous paragraph. I 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. Your Automatic payment amount may be less than indicated on the rnontldy statement based on credits or payments applied during the hitting cycle. Credit Reporting. We may repot Warmation about your scant to credit bureaus. Late payments, missed payments, or other defauha on your second may be reflected in you credit report. We normally report the status and payment history of you Account to credit reporting agencies each month. If you believe that our report is inaccurate or ncanplete, please write us at the fodkw rg address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, hone telephone number and Accent number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the dale the transaction is posted to your Account until the date you pay you ante New Balance, by making payments or receiving credits. However, if you pad the New Balance on your previous billing statement by the Payment Due Doh shown on that statement, and you pay the New Balance by Ire Payment Due Dare on your current Ming statement, we will not impose Periodic Finance Charges on now purchases, that is, purchases first appearing on the tamed statement. We all this to grace period. Otherwise, you will receive a billing statement next ninth that includes Periodic Finance Charges on twee new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions mb groups of purchases, cash advances, and balance transfers and then further sort the transact ohs within each group by 0*0 Annual Percentage Rate. For example, purchases subtect to a promotional rate and purchases suged to a standard rate would be separate groups. = refer to these groups as transaction categories. At the end of each billing period, we compute bolenoxs and Periodic Finance Charges for each day of the billing period for each transaction category. We use the Iollowing sque4on to axnpuse Periodic Finance Charges for each transaction category: Average Daily Balance x number of days in the billing period x Day Periodic Rate. (You may refer to the finance charge summary on you billing statement for these amotaws.) Then we add up the Periodic Finance Charges for each transaction category to get time total Periodic Finns Charges for your Account The Average Daly Balance is shown as zero g, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction catsgay. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges We compute the Average Daily Balance for each transaction category by adding up all the deify, balances in e billing period for a transaction category and dividing the total by the number of days in t* biting cycle. We oornpuse the daily balance for each transaction category on each day by first adding the kdlowin" to the pravqus day's daily balance: kensedions made I* day, Iass charged tut day and Periodic Finance Charges scathed on the previous *a dally balance; and by them subtracting any cradle and payments that are applied against the balance of the transaction category an tint day. In calculating the daily balance for the first day of the biting period, we consider the "previous day's balance" to have been your balance for each transaction categry on the last day of you previous billing period. I e transaction is posted to your Account after the close of the billing period in which it occurs, we will beat the transaction as hav- ing occurred on the first day of the bill" period in which w is posted lo your Account. All tees I are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Chagas which are added to the ion category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. When e trans, fete expires, we moveIs unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Chagas to the standard purchase transaction allegory. However. if the sperial rah has been terminated under to 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 unfit the special rate would have expired. For TDD (Teieeommunth:etlona Wee for the Deify assistance, plan all 1400.947.7449. Discover may monitor ardla record telephone calls between you and Dlsociver representatives for quality assurance purposes. The Discove r* txrd is issued by Discover Be* Member FDIC. OtTBK170 C/? New Balance Minimum Payment Due Account Number ending in 4075 DISCC.VERZ $2,152.94 $65.00 Enter Amount Enclosed Below Payment Due Date ?' $ November 22, 2008 &.se make check payable to Discover Card or pay online 0 Discovercard.com. 23 SDSN6A01 0007649 HIXSON, JOSEPH Go paperless and make your accclunt Ir formation more more secure secure with password- 917 THORNTON DR Nam statements only you can access. MECHANICSBURG PA 17055-5752 Nam more at discover.com/paperiess. PO BOX 71084 IllrrrllrrrrrlIlrillrrlrlil CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Iloll III111111111111111loll loll 111111111111111111111111111I'll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019864589996682350215294000000000106500 Discover More Card Account Summary Closing Dab: October 23, 2008 page 1 of 1 Account number ending in 4075 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available November 22, 2008 $65.00 $2,300.00 $147.00 $1,200.00 $147.00 Previous Balance $2,231.49 Payments And Credits 132.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 53.45 New Balance $2,152.94 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashbock Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: December Cashback Bonus Balance 1.55 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? I Visit Discover coin 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 Cord available. 3 For TDD assistance for hearing see reverse side . Write us at Discover Card, PO Box 30943, ( impaired) Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Oct 21 Oct 21 PHONE PAYMENT THANK YOU 132.00 N Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daly Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE nces Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $37.33 0.07942% 28.99% F 28.99% $0.88 $0 Past Purchases $2206.81 0.07942% 28.99% F 28.99% $52.57 $0 Cash Advances $0 0,07942% 28.99% F '28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. t there is more than one page to this bibV statement, see the back of each page for additional important information. See your Cl rdmamber Agreement Your Cardimember Agreement contains at the terms of you Account Lost or stolen cards. Report immediately! Cat 1400.347.2683. o Bluing Rights Summary. In Case of Erore or Questions About Your Bill: If you think you bill is wrong, or if you need more information about a eansedion on your bit, write to us on a 5g 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 than 60 days altar we sent you the test hill on S which the error or problem appeared. You can telephone us, but doing so will not preserve your ngtda in you letter, give us the following information: You nerne and Account number. do The dollar amount of the suspected error v Describe the error and explain, 4 you can, wiry you believe there is an arts. if you need more information, describe the item you are unsure about You do not have to pay any arnaaN in question while we are investigating, but you are atilt obligated to pay the parts of your bill diet are not in question. While we investigate you quesim, we carnal 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 purchased with a credit card, end you have tried in good faith to owed the problem with the merchant. you may not have to pay time remaining armed due on the goods or services. You have to protection onty when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your making address, (t we own or operate the merchant or k we marled you the adwrtoemant 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 envelops provzled. Do rat send cash. By sending you check as described above, you autltaize us to use information on your check to make an elecnomc fend transfer from your account at the financial kn6aAion indicated on your check or to process the payment as a o n& transaction. K psymem is processed as sn alseboi kid transfer, the eansfer will be for the amount on the check. When we use information km you check b make an electronic fad transfer, furls may be withdrawn from you account as soon as the same day we receive your payment, and you will not receive you check back from your feunciel institution. The M -%N of your payment may be delayed d you send cash, correspondence or other items with your payment, d you send the payment to any other address or it you use an envelope other than theorist provded Payments received in proper form at our processing faddy by 5PM kcal time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM focal time will be cradled to your Account as of the next day. If you have misplaced your envelope, send you payment to Discover. PO Box 6103, Card Stream, IL 60197.6101 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 you mar men payment or a greater amount over the telephone, and you can set up automatic payments. Cat us at 1-800.347.2683. You will need this statement and you bank account information. You must ensure that sufficient funds are available in your bank account, and all transeefions must comply with U.S. law. You wit be asked to provide the first 5 digits of you sowed statement zip code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and you bank to deduct each payment you aldharize from your ben k account, and to inhale debit or credit entries to you bank account, as applicable, to correct an error in the prooessing 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 s payment, however we must receive notice at least three business days in advance of the sdhedubd payment. You may nobly us by phone at 1-000347.2683 or by mail at the address listed in the previous paragraph. If you payments may very in amount we will tell you on each monthly statement when your payment will be made and haw much ir will be. Your Automatic payment amount may be less than indicated on the montdy statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about you account to credit bureaus. Late payments, missed payments, or other defaults on your amount may be reflected in you credit report. We normally report the status and payment fifty of you Account to cradh reporting agencies each mirth. If you believe that our report Is Inaccurate or incomplete, please write us el the following address: Discover, PO Box 15316, Wilmington. DE 19850-5316. Please include you name, address, home telephone number and Accoud nurbet. PERIODIC FINANCE CHARGES. Periodic Fiance Charges are imposed on all kansisclions from the dale 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 you preuaus biting statement by the Payment Dus Date showm on that statement and you pay do New Balance by the Payment Due Dab on your anent bill g statement, we will not impose Periodic Finance Charges on new purchases, chat is, purchases fiat appearing on the aired statement. We at the the pros period. Oltwmse, you will receive a billing statement next month that includes Periodic Finance Charges on dose new purchases. There is no grace period on balance transfers or ash advances. We sort your henssctbns into groups of purchases, ash advances, and balance transfers and then further sort &a transactions within each grail by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases abject to a standard rate would be separate groupf'We refer to Ihese groups as transaction categories. At the ON of each billing period, we oon"te balances and Periodic Finance Charges for each day of the bluing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction eategcry: Average Daily Balance x number of days in the baling period x Daily Periodic Rate. (You may refer to the from charge summary on your biting statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get do teal Panda Finance Charges for your Account The Average Daly Balance is shoves as zero if, bemuse of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new transactions) meted of calculating the balance upon wNch we impose Periodic Fhence Charges. We compute the Average Deily Balance for each transaction category by adding up all the dally balances in a billing period for a transaction category and dividirg the total by the number of days in the billing cycle. We oompute the daily ionise for each transaction category on each day by first adding the Mowing to the previous days daily balance: transactions made that day, bee charged that day and Periodic Finance, Charges accrued on the previous drys daily balance; and by then subtracting any credits and psymenb that are applied against the bona o (ft transaction category on that day. In c"Is ing the daily balance for the first day of the baling period, we consider the *previous day's balance" to have been you belance for each transaction category on the last day of you previous bill period. If e transaction is posted to you Account after the close of thelbilkng period in which it occurs, we will teat the transaction as hav- irg occurred on thE first day of the billing period in which it is posted to you Account. At fags c? ocaxd ere added to t* standard purchase Iransactan category with the exception at Cash Advance Transaetion Fee Finance Charges which are added to to , W transaction alegory and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. When e spacial balance transfer rate expkss, we mow the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance thnrgea to the standard purchase aansadion category. However, if the special tale 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 buseclion category until the special rate would have expired. For T00 (Telecommunications Device for the Dorf) assistance, please call 1-000.347.7449. Discover may monitor "or record telephone calls between you and Discover representatives for quality assurance purposes, The Discove' card is issued by Discover Bank, Member FDIC. O1TSK170 New Balance j Minimum Payment Duel Account Number ending in 4075 DISCOVER $2,245.57 $133.00 Enter Amount Enclosed Below Payment Due Date $ December 22, 2008 Please make check payable to Discover Card. Minimum payment due includes a past due amount ors65.00. 23 SDSN6A01 0007650 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 3o paperless and make your account information more secure with password. Protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 I1Inrlluur1Jullul111 CHARLOTTE NC 28272-1084 Address, s•mail or telephone change? Print change in space III I I 11111 1111111 111 Iloilo 111 11111111 11 111 11 II above, or go to Discover.eom. Print your e-mail address to receive important Account information and special offers. 000001986458999668235022455700000000013300 Discover More Card Account Summary Closing Date, November 23, 2008 page 1 of 1 Account number ending in 4075 Previous Balance $2,15294 Payment Due Date December 22, 2008 Payments And Credits 0.00 Minimum Payment Due $133.00 Purchases + 39.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $54.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 53.63 Cash Credit Available $54.00 New Balance $2,24537 You may be able to avoid Periodic Finance Charges, no the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period ± 0.00 Cashbock-BonuO Anniversary Month: December Cashback Bonus Balance $ 1.55 How Can We Help YOU7 1 Visit Discover com to pay your bill for no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coll 1.8000ISCOVER (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 (steer/MixeRoneous Nov 23 Nov 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. Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $15.55 0.07942% 28.99% F 28.99% $0.38 $0 Past Purchases $2163.23 0.07942% 28.99% F 28.99% $53.25 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Imported Information. If there is more than one page lo the billing statement, we the back of each page for additional important information. rn 0 See your Cardmember Agreement. Your CardmemberAgreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Cat 1800.347.2663. c Billing Rights Summary. In Case of Errthra or Questions About Your Bill: If you think your fill is wrong, or if you need more information about a transaction on your bill, write to us on a o ° separam 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 than 60 days after we sent you the first bill on o which the anon or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: rn You name andAcwtml nuerber. $ The dollar amount of the suspected error p Describe the error and explain, it you can, why you believe two 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 b 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 he amount you question. Special Rule for Credit Card Purchases: H you have a problem with the quafily of goods or services that you purchased with a credit card, and you have tried in good leith to oared the problem with the merchant, you may not have to pay the remaining amount due on On goods or services. You have this projection only when the purchase price was more her, $50 and the purchase was made in your home state or within 100 mites of your mailing address. (t we own or operate the merclharht, or if we marled 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 described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial insttuon indicated on your check or to process the payment as s check transaction. 0 payment is processed as an electronic fund transfer, the transfer will be for the amount on the check. When we use information from your check to make an electronic fond transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will no receive your check bade from you finextial institution. The processing of you payment may be delayed I you send cash, conesporhdernce or other items with your payment, it Xou send the payment to any other address or t you use an snvebpe.dhar then the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be aedded to you Accent as d Oriel 04y.. Payments _ received all our processing facility after 5PM local time will be credited to your Aocoum as of the next day. If you have misplaced your envelope, send your payrtrent to Discover, PO Box 6103, Card Stream, IL 60197 8103. Please allow 7-10 days for delivery. N you payment is returned unpaid, we reserve the right to resubmit it as an eledroroc debit You can pay you minnxrm payment or a wester amount over the telephone, and you can set up automatic payments. Cat us at 1-800-347-2683. You will need he statement and you bank account information. You must ensure that sufficient funds are available in your bank account, and at transactions must comply with U. S. law. You wit be asked b provide the first 5 dip of you account stetamehl zip code,. By entering those numbers as you electronic signature, you will be agreeing to his authorization to allow us and your bank to deduct each payment you sudwze from your bank account, and to satiate debit or credo entries to your bank account, as applicable. to correct an error in the proeesaing of such payment- You must tell us the amount of each payment, or you can select an amount such as the Mahirtem Payment Due or the New Balance on each stakernent. 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 1.800347.2683 or by mail at the address listed in the previous paragraph. M yohu 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. Your Automatic payment amount may be less Minh indicated on the monthly statement based on credits or payments applied during the bilfirg cycle. Credit Reporting. We may repot information about you account to credit bureaus. Late payments, missed payments, w other defaults on your account may be receded in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each nhordh. If you believe that our report is inaccurate or incanplste, please write us at the fotowshg address: Discover, PO Box 15316, Wilmington, DE 198545316. Please include you name, address, one, telephone number and Account number. PERIODIC FINANCE CHARGES. Penode Finance Charges are imposed an at trarhaechons from the dale the transaction is posted to you Ao=mt until he dais you pay your entire Now Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous biting stetaneht by the Payment Due Dale shown our that shelame t, and you pay the New Balance by Mme Payment Due Dale on your current billing statement w9 will not impose Periodic Finance Charges on new purchases, that is, purchases fat appearing on the current statement. We cad this the grace period. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those raw purchases. There is no grace period on balance transfers or cash advances. We sort you transactions Into groups of purchases. cash advances, and balance transfers and then further sat the trarAdions within each group by Leek Annual Percentage Rale. For example, purchases subject to a p io notional rate and purchases sbjad to a standard rate would be separate groups. We refer to these groups as transaction ategaies. At the end of each biting period, we rxxnpute balances and Periodic Finance Charges for each day of the biting period for each transaction category We use the following equation to compute Periodic France Charges for each transaction category: Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (You may refer to the finance charge summary on your bring statement for these smarts.) Then we add up 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 zero 6, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new tranwlions) melhod of calculating tw 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 biting period for a tre eacton category and dhvdq he total by the number of days in the billing cycle, We oomputs #a daily balance for each transaction category on each day by first adding the tollowirg to the previous day's daily balance: transactons made that day, fees charged that hay and Periodic France Charges accrued on the previous day's daily balance; and by Van subtracting any credits and payments that are applied against the below of the eanaacton category on that day. In calculating tee daily balance for the first day of the billing period, we consider hare'previous day's balance" to have been your balance for each transaction category on ft last day of your previous billing period. If e transaction is posted to you Account after the close of the billing period in which it occurs, we will treat the transaction as hav- ing occurred on the first day of the billing period in which M is posted to your Account. A8 fees r???e/r???Qr unt are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the GPMiae.gO?neadl0n category and Balance Transfer Tranesdion Fee Finances Charges which are added to the applicable balance transfer transaction category. When e special Ddenc?a transfer rate expires, we move the unpaid balance of the balance transfer and to Balance Transfer Trinsecbm Fee Fiance Charges to the standard purchase iarsealfon category . However. 9 the specal rate has been terminated under he Default Rate Pion, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the sppfieabfe transaction category until the special rate would have expired. For TOO (Telecommunia8ans Device for the Dean assistance, please call 1.800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Disemil cards issued by Discover Bank, Member FDIC. O1TBK170 DISCOVER $$22348 23 SDSN6A01 0007651 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $101.00 Enter Amount Enclosed Below Payment Due Date $ January 22, 2009 ,ease make check payable to Discover Card. hinimum payment due includes a past due amount of $33.00. Co p%p rless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Ill [1111 19191 lr 111111,1 rl rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lir?r?liilrrilrllirilrililirr?l?liri?rr?rrlii?lii?rilril??ir?l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235022374800000000010100 Discover More Card Account Summary Closing Date: December 23, 2008 page 1 of 1 Account number ending in 4075 Previous Balance ! $2,245.57 Payment Due Date January 22, 2009 Payments And Credits 100.00 Minimum Payment Due $101.00 Purchases + 39.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $62.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 52.91 Cash Credit Available $62.00 New Balance $2,237.48 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashba& Banuse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cathback$oriusS Anniversary Month: December Cashback Bonus Balance $ 1.55 How Can We Help You? I P Visit DiKOVer coin to pay your bill for no cost, view your l t t A t i ti d d ds a d a es ccoun on, earn an nforma re eem rewar n more 2. It's your choice - 3 ways to hel Call 1.800-DISCOVER (347.2683) for fast, easy self-service p Pieass have your Discover Card available. options or to speak with a Customer Service Account Manager 3. For TDD (assistance for hearing impaired) see reverse side 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 Paymerft and Credih Dec 9 Dec 9 PHONE PAYMENT THANK YOU $ 100.00 Odd/MisasNaneous Dec 23 Dec 23 LATE FEE 39.00 Information for You • • • ATTENTION • • • Your account is past due. Please pay the post due amount now, or contact us to make other arrangements. F INMCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates _ RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $54.75 0.07942% 28.99% F 28.99% $1.30 $0 Past Purchases $2166.58 0.07942% 28.99% F 28.99% $51.61 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $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 slafemeri see the back of each page for additional important information. on Sea your Carcimember Agreement Your Cardmember Agreement contains all the hems of your Account. Z Loot or stolen cards. Report immediatelyl Cell 1 S0.347.2683. Bli ing Rights Summary. In Case of Errors or Questions About You 89: If you think your bill is wrong, or 8 you need!more Information about a trennsediat on your bill, write to us on a i Q separate sheet of paper at D scover, PO Box 30421, Sao Lake City, UT 84130-0421, as soon as possible. We must hear from you no later ten 60 days der we sent you the first bill on 25 which this error or problem appeared. You can telephone us, but doing so will not pros" your rights. In your War. give us the following information: • Yb r name end Accent nornW.. The dollar want of the suspected error Describe the error end explain, t 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 arrant 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 cannel report you as delinquent or lake any action to collect the amounl you question. Special Rub for Credit Card Punctuate: If you have a problem with the qual ly of goods or services that you purchased with a cede card, and you have triad in good faith to correct the problem with the merchant you may rot have to pay the remaining amount due on the goods or services. You have this protection only when the violates price was more Olen $50 and the purdsss was made in your home abbe or within 100 miles of your mailing address. (N we own or operate the merchant, or d we meted you the aduerbsenant for the goods or services, all purchases ere covered regardless of the amount or bonbon 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 information on your check to make an Wecft a fund transfer from your account at the financial institution indicated on your check or to prooess the payment as a check tramsetion. If payment is processed as an electronic fun! transfer, the transfer will be for the amount on the check. When we use information from your check to Mae an electronic hod transfer, funds may be withdrawn kom your account as a= as the same day we receive your peynnent and you will not receive your check back from you fnsix ial institution. The processing of you payment may be delayed if you send cash, correspondence or other dams with your payment if you send the payment to any other address or if you use an envelope outer then the one pre dad Peynens received in proper (trim. at our processing facility 4y.5PM local tins an any day with be coed bed to your gcgoun, as S thM.day. PayrM received at our processing facility after 5PM local mare will be credited to your Account as of the next day. II you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60191-6103. Please slow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an aiacrronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cat us at 14800.347.2683. You will need this statement and your bank account information. You must ensure Oct sufficient funds are available in your bank account, and all transactors must comply with U.S. law. You will be asked to provide the fast 5 dgus of your account statement zip code. By entarirg those numbers as your electronic signature, you will be agreeing to In authorization to allow us and you bank to deduct each payment you authorize from your bank account, and to nitrate debit or oedt entries to your bank account as applicable, to correct an error in the processing of such payment. You must tot in 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 rocs at least three business days in advance of the scheduled payment. You may notify us by phone ail 1.8W-347.2683 or by mail at tre address bated n the previous paragraph. o your payments may very in amount, we will tat you on each monthly statement when you payment will ?e made and how much it will be. You Automatic payment amount may be bas; than nrxkcaled on the monthly statement based on credits or payments applied during the bitting cycle. Credo Reporting. We may report information about your account to credit bureaus. Late payments, missed paymens, or other defaults on your account may be reflected in you credit report We normally report the stabs and payment history of your Account to credit reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at tut following address: Discover. PO Box 15316. Wilmington. DE 198505316. Please include your name, address, home telephone number and Account number. PERIODIC FWANCE CHARGES. Periodic Faience Charges are imposed on of harsectons from the date the transaction is posted to you Account unN the date you pay your snore New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previos billing statement by the Payment Due Date shown on thal statement, and you pay the New Balance by Ore Payment Due Dow on you current billing statement, we will not impose Periodic Fiance Charges on now purchases, that is, purchases first appearing on the ouned statement. We call this the grace period. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. i We sat your transactions kilo groups of purchases, cash advances, and balance transfers and than further son the ttpnsectons within each group by their Annual Percentage Rate. For example, purchases subect to a promotional rate and purchases subject to a standard rate would be separate groups We refer to these groups as transaction categories. At the and of each billing period, we campus balances and Periodic Finance Charges for each day of the biting period for each Vansedion category. We use the following equation to compub Periodic Finance Charges for each transaction category: Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (You may refer to IM finance charge summary on your billing abbment for these amens.) Then we add up is Periodic Finance Charges for each transaction category to get the robl Periodic Finance Charges ter your Acconl. The Average Daily Bela" is dmn as zero t, boos" d Me grace period, no Periodic Finance Charges apply to the balance in a tarsacion category. We use the Average Daily Balance (khcludig new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges. We cornpuls the Average Daily Balance for each transaction category by adding up all the daily balances in a biting period for a transaction category and deriding the !oral by the number of days in the billing cycle. We eamputle the daily balance for each transaction eslepay, on each day by first adding the following to the previous days daily balance: transactions made that day, fees changed that day and Periodic Fnernce Charges accrued on the previous day's deny balance: and by therm subtracting any credos and (3lymenb that are applied against the balance of thin transaction category on that day In calatemq the daily balance for the fird day of the billing period, we consider Os'previous day's balance" b have been your balance for each tramection category on is two day of your prevaus billing period. II a transaction is posted to your Accent afar Me close of the billing period in which it occurs. we will treat the transaction as hav- ing warred on the first day of the billing period in which it is posted to your Account: , AN f . ca=Amount we added to the standard purchase transaction ategay with the exception of Cash Advance Transaction Fee Finance Charges which are added to the appl transaction category and Balance Transfer Transaction Fee .r= Charges which are added to the applicable balance transfer transaction category. When a special balance transfer rate expies, we move one unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges to the standard purchase transaction category. However, I the special rate has been terminated under the Default Rate Plan, we have 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 weld have expired. For TO (Telecommunications Device for the Dean assistance, please call 1400.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover" card is issued by Discover Be* Member FDIC. OITBK170 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $2,124.79 $64.00 Enter Amount Enclosed Below Payment Due Date $ February 22, 2009 Please make check payable to Discover Card or pay online ® Discovercard.com. 23 SDSN6A01 0007652 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at dlscover.com/paperless. PO BOX 71084 Illnrllnrrrlrllollrrlrlr1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lii?rllrr?rrr?r?)irilirlr?rril?llrrilirlrilrrl)rilrilrr?ilri?l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235021247.900133000006400 Discover More Card Account Summary Closing Dab: January 23, 2009 page 1 of 1 Account number ending in 4075 Previous Balance $2,237.48 Payment Due Date February 22, 2009 Payments And Credits 166.13 Minimum Payment Due $64.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $175.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 finance Charges + 53.44 Cash Credit Available $175.00 New Balance $2,124.79 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cdshback Bonuse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 1.55 Cashback Bonus®-Anniversary Month: December Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbock Bonus(R). How Can We Hel ? Yo p U 1 Visit Discovce.com to pay your biN 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 selhservice 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 Dab Date Payments and Credits Jan 2 Jan 2 PHONE PAYMENT THANK YOU $ .33.00 Jan 4 Nov 23 ADJUSTMENT FINANCE CHARGE .0.13 Jan 9 Jan 9 PAYMENT THANK YOU 133.00 jQ9@W Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE fl t FIN Bal nces Rates ? ? S RATES RATES current billing period: 31 days Purchases $48.85 0.07121% 25.99% F 25.99% $1.08 $0 Past Purchases $2126.92 0.07942% 28.99% F 28.99% $52.36 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $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, see the beck of each page for additional important intimation. cn 0 Sit your Cardmember Agreement Your Cardmember Agreement contains all the temp of your Account. U) Lost or stolen cards. Report immediately! Call 1400-347.2683. o Billing Rights Summery. In Case of Errors or Questions About Your Bit: If you thmk your big is wrong, or if you need more information about a transaction an your bill, wrote to us on a p separate at" of 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 bill on o which the error or problem appeared. You can lelephoae us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and Account number 9i The dollar amount of the suspected error Describe ds 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 b pay the pens of your bill Orel are not in question. While we investigate your question, we cannot report you as delinquent or take any action to called the amount you question. Spacial Rule for Cndd 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 coned the problem with the merchant. you may not have to pay the remaining amour due on the goods or services. You have this protection only when the purchase price was more teen $50 and the purchase was made in you home stele or within 100 miles of you mailing address. (It we own 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. Sand only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your chock as described above, you autlarize us to use kdamelon on your drodk lo make an electronic frond transfer from your amount at the financial nstrution indicated on you check or to process the payment as a check transaction. If payment is processed as an electronic hind transfer, the transbr wall be for the amount on the deck. When we use information from your crack to make an electronic hind transfer, funds may be withdrawn from your account as soon as the same day we receive you payment, and you will not receive you check beck from you financal institution. The processing of your payment may be delayed Ayou send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope ofror t!an the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing fecaly after 5PM local time will be credited to your Account as of the next day. If you have misplaced you envelope, send you payment to Discover, PO Box 6103, Card Stream, IL 60191-6103. Please allow 7-10 days for delivery It you payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greeter amount over the telephone, and you can set up ahlmmatic payments. Call us at 1400.347.2683 You vlt need this satement and your bank account information. You must ensue that sufficient funds are available in your bank account, snot all transaction must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering dim numbers as you electronic signature, you will be agreeing to this aulhoraation to allow us and you bank to deduct each payment you authorize from you be* accouit, and to initiate debit or credit entries to your bank amount, as epp!icabls; to carved an error in the processing of such payment You must tell us the amount o(sech payment, or you can select an amount such as the Mnmlum Payment Due or to New Balance on each statement. You can canoel 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 mail at the address listed in the previous paragraph. O your payments may vary in amount, we will tell you on each mor" statement when you payment will be made and how much it will be. Your Automatic payment amount may be less the indicated on the no" statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report infomation about you account b credit bureaus. Late payments, missed payments, or oterdefoulte on your account may be reflected in you credit report. We normally repot the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or kwornplete, please write us at to fallowing address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include you name, address, home telephone number and Accord number. PERIODIC FINANCE CHARGES. Peak France Changes en imposed on all transactions from the date de transaction is posted to your Amount until to date you pay you 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 Now Balance by the Payment Due Date on your c umant billing statement, we will not impose Periodic Firm Charges on new purchases, that is, purchases first appearing on the current statement. We call to to grace period. Otherwise, you will receive a bating 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 puchaves, cash advances, and balance transfers and gran iwther son the tarypdions within each group by their MrwM Percentage Rate. For examph, purchases subject to a promotional rate and purchases subled to a stardard rate would be separate groups We refer to these groups as transaction categories. At the end of each bitig 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 Perak France Charges for each transaction category: Average Daily Balance x number of days in the biting period x Daly Periodic Rate. (You may refer to to finance charge summary on you billing shlomeni for these amounts.) Then we add up to Periodic Finance Charges for each transectfon category to get the total Periodic France Charges fa your Account. The Average Daly Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use ga Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic France Charges. We compute the Average Daily Balance for each transaction ca" by adding up all he daily balances in a billing period for a transaction category ant dividing the total by the number of days in the billing cycle. We compute the daily bWnce for Soon transaction category on each they by Not adding to following to to previous day's daily balance: transactions made dal day, fees charged that day and Periodic Finance Charges accrued on IM pprrwwraus day's dally balance, and by then subtracting any cracks and paylnahu that we applied against de balance of the transaction eriod balsa" to hew been our balance ter each trereacton I 1% def for the Ohl da of the bitin we consider the' ravbus da 's t d l d =o l lati ? y g p , p y ca egory on e ay. n ca y s yy cu ng category on to lest day of your prewae bdtrg period, t a transaction is posted to yourAmount after the dose of the Ung period in which t onus, we will treat tro transaction as hav- ing occurred on the first day of tro billing period in which it is posted to you Amount. At lees ??yyyypg??rr??,,ltppyygqr???i?occunt ore added to the standard purchase transaction Comm with the exception of Cash A?Vacr Transaction Fee Finance Charges which am added to the T f T F Fi e Ch hi h dd d t t b Wh t Ui?AiyR i i d B l i li bl l t f i on arhsac a ance rans er ransact ee rwhc s arges w c are a e o a ance rans er transact on category. om app a s on category and o app ca e a a special balance transfer rate export, we move to unpaid balance of the balance tranler and to Balance Transfer Transaction Fee France Charges to the domford "dam transaction category. However, t the special rate has been terminated under the Default Rah Plan, we leave the unpaid balance of to balance transfer and ge Beane Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate would have expired. For MD (Talecommunications Device for the Deal) assistance, please cell 1400347.7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover`' card is issued by Discover Bank, Menthes FDIC. O1TBK170 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $2,043.12 $62.00 Enter Amount Enclosed Below Payment Due Date $ March 22, 2009 Please make check payable to Discover Card or pay online 8 Discovercord.com. 23 SOStJ6A07 0007653 HIXSON, JOSEPH Go paperlessandmakeyouraccornt informat(on more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Leammore at discovercomlpaperless. PO BOX 71084 I11 rrsllrnnrrlnlrr1111IaIII CHARLOTTE NC 28272-1084 Address, e-mail or telephone charge? Print change in space ?nlrlln?urlrl?nrlnlr?url?I?nrln?nlrrl?nln?rrlrlu?I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235020431200133000006200 Discover More Card Account Summary Closing Date: February 23, 2009 page 1 of 2 Account number ending in 4075 Previous Balance $2,12479 Payment Due Date March 22, 2009 Payments And Credits 133.00 Minimum Payment Due $62.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $256.00 Balance Transfers + 0.00 Cash Credit limit $1,200.00 Finance Charges + 51.33 - Cash Credit Available $256.00 New Balance = $2,043:12 - You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bons" Opening Coshbock Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 1.55 Cashback BonuO Anniversary Month: December How Can We Help You? view your ' latest c to pay your ban for no cost, late est A Acccouount nt information, earn and redeem em rewar sand more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy sAlLservice 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 Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Payments and Credits Feb 9 Feb 9 PAYMENT THANK YOU $ 133.00 64sigmCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bo once Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0.57 0.07121% 25.99% F 25.99% $0.01 $0 Post Purchases $2085.01 0.07942% 28.99% F 28.99% $51.32 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Income Gap Protection gives you cash when =need it most - when your income is interrupted by involuntary u mnp6ymert, disability or family leave of absence. Loam how Income Gop Protection can help you. Call us today at 1-800-240-1009. Important Information. N tee is more turn one page b this biting statement, see the bade of each pegs for add6onal important: inbmralbn. o See your Cardmembar Agreement. Your CaminernberAgreement contains all the terms of your Account a1 Lost or slalen cards. Report ionned*Wl Cal 1-800-34741M. o Billing Rights Summary . In Case of Emxs or Ouest ons Abort Your B!: H you think your bill as wrap or it you need more inloumabon about a t ahem ton on your bit, wile to us on a o separate sheet of paper at Discover, PO Box 30421, Sao Lake City, UT 84130-0421. as soon as possible. We rust hoer from you no Ww t= 60 days alter we send you tie first bill on 0 which the weer or problem appeared. You can telephone us, but doing so will not preserve your rights. In you later. give us ter folowwg adonnegon: a Your new and Accent number inn The data mount of the suspected error Describe the error and explain, f you can, why you believe there is an era. h you need more information, describe the Aern you are usure about. You do not have to pay any amount in question while we are nresligaVhg, but you are slit obligated to pay the perts of your bill that are not in question. Me we nvesigate you queston. we cannot report you as dehpirent or take any action to coteci to amount you question. Special Ruts for Credo Card Purchases: t you have a problem with to quality d goods or services 8Mt you purchased with a credit card. and you have kind in good JaM to cared the problem with the machat, you may not have to pay the raising mount due on the goods or services. You have this protection city when the purchase pica was more than $50 and the purchase was made n your home stale or within 100 (miles of you mailing address. (t we awn or operate the merchant, or i we mailed you the advertisement for the goods or services, all purchases are covered regadess of the snout or location of purchase) Payments. Send only your payment and to op portion of this aaemara in to envelope provided. Do not sad cash By sending your deed as described above. you audwr¢e us to use nbrmaboi on your died to metre an electronic lead trenstr korn your account at the financial institution indicated an your check or b process the payment as a check transaction. I payment is processed as an electronic lend transfer, the tia sfer will be for the amount an the dnedu. When we use information horn your check to make an electronic find hansfer. funds may be withdrawn lean you accent as soon as Ina same day we receive your payment. and you trig not mom your dhedn bade from your financial rsiduton. The processing of you payment may be delayed if you send cask, correspondence or other lens with your payment if you send to palimera to any other add m orif you use en envelope other than the she provided. Payments received n props form at our processing bakty by 5PM local time an any day will be credited to yo rAccout as of gal day. Payments received at our processing kualty after 5PM local ire will be cradled b yo rAmour as of the next day t you have misplaced your envelope, send your payment to Discover. PO Box 6103, Card Strem. L 60197-5103. Please ether 7-10 days for delivery.. I you payment is reamed unpaid, we reserve the right to resubmit it as an elechmic debit You can pay you rmlrhrrm payment or a greeter anent am the fekphone. and you can set up automatic payments. Cal us a 1800.347-2683. You will need tits stebme t and your bank account adormelort You must ensure that sdtldent kinds we available in your bank aomuK end all tmrsadons must comply wdh US. taw. You will be asked b provide the fist 5 dgts dyer account sliame nlap code. By entering those cambers as your electronic signature, you will be agreeing to this authorization to allow us and you bat to deduct each payment you authorize kom you bank account, and to nhate debt or credit wvtias to your bat ac art, as applicable, b correct an on in fn processing of such payment- You rust tell us the mount d each payment, or you can select an mount such as the Minnsm Payment Due or the New Balance on each staianent You can carpel a psyr ea, however we trust receive notice at least tree business days in advance of the scheduled payment You may noddy us by phone a 1-004341-2683 or by mail at the address fated in to previous paragraph, h your payments may vary in amount, we will tall you on each monthly statement when your paymwa will be made and how ruck 4 will be. Yo urAutanak payret anon t may be lass tart aakcabd an the monNy sh a went based an credits or payments applied dug the billing cycle. Credit Repse ft. We may wporl atormation about you account to credo bureaus. Lela payments, missed peymaas. or other defauts on your accent may be mAeded in your credit report M normally report to stake and payment history of yorAcoout to credit reporting agencies each month. U you believe that our report is inaccurate or iheamptets, please write us at the blowing address: Discover, PO Box 15316, Wiknngton. DE 198505316. Please include you name, address, hone telephone number and Account number. PERIODIC FRIANCE CHARGES. Pe iodic Fichte Charges are imposed on al transactions from the data on transaction is pooled to you Account urd the daft you pay your mare New Balance, by making psyrnenas or receiving credits. However, if you paid the New Balance on you previous biting statement by the Payment Due Date shown an Met aafernwa, and you pay the New Balance by the Payrnwa Due Dee on yea anent brig stal meat, we will net impose Penod c: Faroe Charges an row purchases, that ia, purchases first appearing on to errand statement. We cal on the grace period. Otherwise. you will receive a billing statement next month that includes, Perbdc Finance Charges on Lose new purchases. There is no grace period on baace travelers or ash advances. We sat your transactions ciao groups of purchases, cash advances. and balance transfers and thwh further sort the transactions with each grail by hear Annual Percentage Rate. For example, purchases subject b a pnma9oral rate and puduses subpd b a standard iele would be seperelegrails. We refs to these grapy as' , ;; orh categories. Al the end d each burg period. we canpmae balances and Periodic Finance Chagas for each day of on, lift period far each karsac hon category ft use the following EQahon b compute Periodic Franca Charges for each transaction category: Average Doty Balance x maim of days in the biting period x Daily Periodic Rat. (You may reler b the inane doge summary on your big stawnea t for these amens.) Then we add up the Periodic Finance Chagas for each traiaactim category b get the OW Periodic Finance Charges IK you Accent. The Average Daly Balance is shown as zero if, because of he pace period, no Periodic Faroe Charges apply to the balance in a transaction category. We use the Average Daly Balance (including new transactions) method of calatakng the balance upon which we impose Periods Finance Charges. We compute toAvaageDeiyr Balance for each trarrs8chon category by adding up all the daily belarm in a biting period for a transaction calegoryr and dividing the total by the number of days in the biting cycle. We compile on daily balance for each Misachon calegory on each day by 4a adding the thawing b fie previous day's daily balance: hasactio s made that dry, fees charged fhal day and Per & Fiance Cnrgss accrued an tits previous day's daily belenoe; ad by then subtracting arty creels and payments tha ore applied against to Lida ce d the waiSa non category on fret day In cWmdWq the daily, balance for is fist day of the billing period, we hnrsidw the'piano s day's balance" to have been you balance for each trisection category an the last day of you prewos billing period. I a transaction s posted to you Aecara after the dose eta bang period in which t occurs, we will tred In transaction as hav. ing occurred on the first day of the Will period in which it is poaled to your Accord. All . are added to the standard purchase transaction category with the exception of Cash Advance TrisacVOn Fee Finance Cages which are added b the ap4* trisection category and Balance Transfer Transaction Fee Fiances Chagas wtidh are added b the applicabe balance beefs kwaamon category When a special balance transfer rah expires, we move the unpaid balance of the balance Invader and the Balence Trastw Transaction Fee Fromxe Charges b the standard p mhose transactor calegory. However, athe, special rat has been terminated under the Default Rate Plan, we lemon unpaid balance of the balance transfer and the Balance Trander Trans- action Fee FiarOe Changes in the applicable trisection category ur d tie special rate would have expired For Tint [Telecommunications Device for the Deall assistance, please call 1.10.347-7449. Discover may monitor andlor record telephone calls beAVeen yet and Discover representatives for qumW assurance purposes The Discover-rand is issued by Dscaii Bat. Member FDIC. OITBK170 DISCOVER U "9 Mft: i Hccount JOSEPH Account number ending in 4075 .February 2312009' page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: December 23 Balance Previous Cashback Bonus Award Balance $ 1.55 Purchase Award This Period + 0.00 Cas ac Bonus Award Total 1.55 Cashback Bonus Award Balance 1.55 Award Available to Redeem $ 0.00 8458833 Restrictions apply to OW Co"ack Borers Partner offers visit Discew?xe or cal 1-BIX"ISCOVER (1-800.347-2683) for details. For program details, see #* Cashback Bonus program Terms and Conditions. 8458833 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $1,987.83 $60.00 Enter Amount Enclosed Below Payment Due Date $ April 22, 2009 Please make check payable to Discover Card or pay online 0 Discovercardxom. 23 SDSNBAOt 0007654 HIXSON, JOSEPH Go paperless and make yaw account information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more atdiscovercon?paperless. PO BOX 71084 Illnrsllrsrislrlrrllr111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change; Print change in space In?rlln?ur?r?Innlnlrlnr?I?lur?n?nlnlln?nln?rlull above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235019878300100000006000 Discover More Card Account Summary Closing Dales: March 23, 2009 page 1 of 2 Account number ending in 4075 Payment Due Date April 22, 2009 Minimum Payment Due $60.00 Credit Limit $2,300.00 Credit Available $312.00 Cash Credit Limit $1,200.00 Cash Credit Available $312.00 Previous Balance $2,043.12 Payments And Credits 100.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 4471 New Balance - $1.987.83 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 1.55 New Cashbock Bonus This Period + 0.00 Cashbadc Bonus Balance $ 1.55 Cashback8wwe Anniversary Month: December How Can We Help You? 1 visit Discover tern to pay yrwr bill for no cost, view r latest Account information, earn and redeem n?wards and more It's your choice - 3 ways to help 2. Call 1-8004XSCOVER 1347-26831 for fast, easy self-service options or to speak with a Customer Service Account Manager Phase have your Discover Card available. 3. Write us at Discover Caryl, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Date PDai Payments and Credits Mar 9 Mar 9 PAYMENT THANK YOU $ 100.00 Information For You * "ATTENTION * * The day of the month that your payment is due will be changing. Your new Payment Due Date will be printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1 2009. Your Payment Due Date will continue to be at least 25 days from the Closing Date shown on the billing statement. EMSMCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FWMICE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $0 0.07121% 25.99% F 25.99% $0 $0 Past Purchases $2011.29 0.07942% 28.99% F 28.99% $44.71 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. M"tot bforma&n. Y tree is more Oon one page lobs b&V AaWnerd, see the beds of each page for additional nipatant mbrmalon. coo See your Cardnrnnber Agreement Your CardimemberAgmement codas tilt to terms of yourAmant. Lost or stolen cards. Report emsdietelyl Cal 14M.347-2683. C?ar Billing Rights Summary. In Case of Errors or Questions About You Bit. Y you dark your bill is wrong, or 4 you need more No motion about a transaction on your bft, write to to an a 0 ° separate sheet of paper at Discover, PO Box 30421, Sale Lake City. Uf 84130-0421. as soon as possible. We mist hear from you no later than 60 days after we sent you the fia(btl on o which the ma or problem appeared. You can telephone us, but doing so wi nol preserve your rights. In your letter, give us the following nfomation: rn You nare adAcmud member. The dole anount of to suspected afar v Describe the ma and explain, A you can. why you believe two is an ma. Y you reed more infonrs6on, describe the tan you are unsure about You do not have to pay any amount in question while we are nveslgalmV, bid you are still obigated to pay the parts of your bit that are not in question. Whia we nvesYgab you question, we danot report you as detingmt or lake any ectian to collect the mmrif you quesbm. Special Rule for Credit Card Purchases: If you have a problem with the quaityof goods or services the you purctunsed wdh a credit cad. and you have bed in good lath to cared the problem with the merchant you may not have to pay the remaimg snort due an to gads or services. You have #a Mitection only when to prchme price was more ten $50 and to pudese was made in your have state or wOmh 100 miles of yourmating aldress. (M we own or operate the m char* or Awe nailed you the edvermserrea fa the goods or services, all purchases are covered regardess of the emourd or bcaeon of pu tease.) Payments. Send only your payment and the tap portion of this warmers in On envelope provided. Do rat send rash- By sending your ehadd as described above, you arthom us to use mbrrreYOn on your dedd to make an elearonic fond taster from your account at tie 1'rrawid ff*Mub n indicated an your Heed or b prooess the paynsd as a dscktransaction. N payment is processed as an electronic lud transfer, the transfer will be for Be amud an the check. When we use nlarrstion from your checit to make an decMuic ford transfer, fads may be withdrawn from your amount as soon as to same day we receive you paymed. erd you will not receive your dock beck from you financial i afbow The processing of your peymad Trey be delayed if you send cash, correspondence or other dens w d h your payment. A you sad to payrrsd to any otter ad*m or it you use an envelope other ton pie one provided. Parma received in proper form at our processing fad ty by 5PM local mile on any day Pill be aediled.lo your Acommiri s 0f1btday Payaede received at our processing feclty aler 5PM local lane will be credited to yourAccaurd as of the next day- O you have misplaced your envelope, send your payment to Discover, PO Bar 6103, Coot Stream, 11-60197-61M. Please slow 7-10 days for delivery l you payment is reamed unpaid. we reserve the right to nescbmnt d as and-, a nc chill You can pay your nw msn psymehd or a greater amount over the eophone, and you can set up autematic Parma. Cell us at 1-800-347-2683. You will need this shuerrod and you bat( amount ff* mmawm You must ensue tot sulmeed reds are available in your bank acoauK and all Vw mdvm cost apply with U.S. law. You will be inked to provide the fret 5 digits d you eccoat stelarrsnizp code. By entering lase rrrnbers as you electronic spume, you will be agreeing b this aulwnzaron to allow us and yaw bank to" uct each payment you a flme tom you beak amount. ad to iitiete debt or credit entries b your bank axouw, as applicable, b cared an error in the, processing of aadl paynnad. You must tell us to amount of each psyrneK or you can select an anent such as Ste Miimm Payment Due at the New Balance an each statement You can cacela papmK however we must restive notice at hest tree business days in advance of the scheduled papront. You may notify us by phone at 1-000-341-2683 or by mad at the address bated in Ihe previous paragraph. If you peyrnasa may very in amount, we will kit you an each trendily staternerd when your peymert will be male and how much i will be. YomAubmarc payment amount may be less than indicated an the monNy statement based an credits or payments applied during the big cycle. Credit Reporting. We may report information about you account to credit bureau. Late payment, hnased payments, or other defects an your account may be elected in your credit feporL We mmly report the stems ant peymenn Hatay of you Account to credit mpm ft agencies each month. Y you believe the our report is i socrel , or incomplete, please wn* us at to following address: Discover. PO Box 15316. Wirirglon, DE 198545316. Please inhere your rams, address. hone telephone nurrber and Account nurnber. PERKM Fft1ANCE CHARGES. Periodic France Chagas am nposed an d transactions loom the date to trasec4m is posted b your Acomt uri the nab you ply you enure New Balance. by making paynods or newivig credits. However, A you paid the New Balance on your previous big stetenhed by the Peyfrhent Due Bob shown an that shimmers, and you pay the New Balance by the Payrnent Due Date an you axed W" statement, we will ne impose Periodic Fierce Charges an new purchases, that s, purchases kd appeaig an the wart sdemmd. We cal the to grace period. Otherwae, you will receive a billing statement next month that includes Periodic Fronde Charges on those new phrdoses. There is no grace period an balance trashes OF ash advances. We sat your Yasadias ihb groups of presses, cash advances, and balance rensfas and than, further sat the transactions wdmim each gxrp by teiA=W Percentage Rate. For example, purchases subpel to a ptandariN rate and purchases stbjed to a standard tale would be separate grails. We mfer to these groups as transaction eMegeaes. At the and of each bang period. we cmpnte beaces and Periodic Finance Charges fa each day of to biting period for each transaction category. We use On blowag equation to compute Periodic Finance Charges breach Mranchon category Average Daly Balance x number delays n the big pacd x Daily Periodic Rate. (Ya may rider b the bm charge surninary on your filing sMMrnart for these amouss.) Than we add up the Panodc Finance Charges for each transaction category to get the ldal Paiodc Fiance Charges br your Account. The Average Deily Balance is slhowm as zero d, because d the grace period, no Periodic Fnmce Charges apply to the balance in a transaction category. We use f he Average Daily Balance (ictiding new tra Achons) meYuod of al ulabg the balance upon which we inpos , Periodic Fiance Charges We compete the Average Daly Balance far each tranmsedhon category by adding up all the daily balances in a billing period for a trarmc ion category and dvidng the bud by the amber of days n the big cycle. We cornpwe the daily balance for each rensecbon category an each day by first adding the blowing to to previous day s daily balance: transacrom made Yet day, fees charged that day and Periodic France Charges accrued an to previous day's day balance; and by Owen subtracting wry credits and pepnens that are applied against to balance of the transaction category an tot day. In calculating the daily balance ter the first day of tae big period, we consider the'previous dy's balance' to have berm your balance for each transaction category on the Inst day of your previous bring period Y a transaction a posted b you Account alter the dose of the big period in w4icm it occurs, we well real the rersacbm as hav- ng occurred on to fist day of the big period in which d is posted to your Account. All I ypr?Acctrud are added to to dadard purchase transaction category with the exception of Cash Advance Trasactian Fee France Charges which are added to fat om4 app ??mmasll r ion category and Balance Transfer Tramec9m Fee Frwcwc Charges which are added to the applicable balace transfer barsa n category When a special balance transfer rate expires. we move the unpaid balance of the beface tramfa and the Balance Transfer Transaction Fee Finance Charges to the stern I purchase Vermom category However: if the special rate has been wirmiated under the Defatl Rate Plan, we leave to unpaid balance of the balance transfer and to Balance Rasta Trans- action Fee Finance Charges in the applicable transaction category u al the special rate would have expired. For TDD (Telecommunications Device for Yo DeA "Manse, please cal 1404347-mill Discover may manna ardor record telephone cats between you and Discover representatives or quality assurance purposes. The Disovee cad is issued by Disovo Back, Merrmber FDIC. OITBK170 HIXSON, JOSEPH DISCOVER ? Closing Date: . m i Account number ending 4075 Mards 2312009 ! Page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: December 23 Balance Previous Cashback Bonus Award Balance $ 1.55 Purchase Award This Period + 0.00 Cas ac Bonus Award Total 1.55 Cashback Bonus Award Balance 1.55 Award Available to Redeem $ 0.00 8458833 Restrictions apply to Cashback Bonus P Rsrs Diseowr ease or N 4800-DISCOVER (1-800.347-2683( for details. For program ils, we the CashBoorws Provisitgram Terms and Coeanditi1ons. (n 0 a) z m D O 8458833 DISCOVER $1Now Bala 99615 e 23 SDSN6AOt 0007655 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $59.00 Enter Amount Enclosed Below Payment Due Dale $ May 22, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. Go paperless and make your account information more secure with password- protected statements orty you can access. Learn more at discover cortVpaperless. PO BOX 71084 ???rrs??rrrsr?s?rr??rr?r?n? CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (n?r??rr?ur)r)?nr)n)r)ur))))nr)n)u)n)?n?u)n)r)n)? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235019361500100000005900 Discover More Card Account Summary Closing Dale: April 23, 2009 page 1 of 1 Account number ending in 4075 Previous Balance $1.987.83 Payment Due Date May 22, 2009 Payments And Credits 100.00 Minimum Payment Due $59.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $363.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 F iwnos Charges + 48.32 Cash Credit Available $363.00 _ New Balance = $1.936:15 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CcAback &mu5° Opening Cashbook Bonn Balance $ 1.55 New Cashbook Bonus This Period + 0.00 Cashbook BoriuO Anniversdry Month: December Casbback Bonus Balance 1.55 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbook Bonus(R). How Can We Help You? I Visit Discover corn to pay your bit for no ast, r;°w your latest Account information, ear and redecem rewards and more it's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For Fast, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. DaPost l Payrnenh and Credits Apr 9 Apr 9 PAYMENT THANK YOU $ 100.00 Information For You * *ATTENTION* * The day of the month that your payment is due will be changing. Your new Payment Due Dab will be printed at "top of the remittance coupon on the statement you receive for your billing period that ends after May] 2009 Your Payment Due Date will continue to be at east 25 days from the Closing Dab shown on the billing statement. @ Charge Summary Nominal Average Daily ANNUAL Daily Periodic PERCMIAGE Balances Rates RATES current billing period: 31 days Purchases s0 0.07121% 25.99% F Past Purchases $1963.03 0.07942% 28.99% F Cash Advances $0 0.07942% 28.99% F Transaction ANNUAL Periodic Fee PERCENTAGE FINANCE FINANCE RATES CHARGES CHARGES 25.99% s0 $0 28.991% $48.32 $0 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. H there is more then one page to In billing statement, see to bark d each papa for additional important Wormatlon. ? v See your Cardmember Agreement Your CardmemberAgeernent contains all the lemns of your Account. CAP M Z Lost or stolen cards. Repel irrthedatelyt Ca11S0.347.2683 > 0 BRtrg Rights Summary. In Case of Emus or Questions About Your &l: t you tink your bill is wrong, or if you need more i formabon about a trareacbm as your bi, wee to us an a o separate siwd of paper at Discow, PO Box 30421. Sell Lake City, UT 84130-0421, as soon as possible- We must hem him you no Mier than 60 days sitar we sum you the first bid m 0 which to error or problem appeared. You can telephone us, but doing so will not pesem your rights. In your Mfkr, give us the following mlormatiar qu . Your name and Acaum mother u The dolar amount of the suspected era Describe the error and explain, if you can. why you behm tae is an error. H you reed more inkirmaion, describe to Rem you are unsure about. You do not have to pay any amount m Wasson while we are imm iesigdmg, but you we still obligated to pay the pens of your bill that are not in question. Mile we rwesligsb your question: we cannot report you as dekqued or take arty adion to called tle what" you question. _ Special Rule for Credit Card Purchases: H you have a problem with the quality of goods or services that you purchased with a credit cad, all you ham Pied it good tenth to coned the problem with the merchant. you may not have to pay to remaitng mom de an the goods or services. You have to praiedion only when the purchase prim was am then $50 and the pedwse was male in you home state or witch 100 miles d your mairg address. IN we own or operant to merchant, or f we mailed you to whiles sanhent for to goads or services, el purchases are covered regadess of live amout or location d purchase.) Payments. Send only your payment and to tap portion of tins statement in to emrelope provided. Do not send cash. By sending your deed as described aboas, you ou l hose is b use irdamabon on Your cMdd to make an dachrom kale transfer hom you accaat at tle financial institution indicated on you dhedd or b process to polinewrt n a check trerseeboa H payment is processed as an electow kind tender, the sealer will be for the amount on the decd. When we use nbnmaft from your check to makes dookow lord twrsbr, lords may be withdrawn loam your account as soon as to sane day we receive your payment, and you wig not receive your decd back loan your fnanriah irsfbutos The p 9 of your payer may be delayed t you send cash, carespahdence or other items with yaw payment, Iyour send the peyrront to any other address or iyou use on envelope ottvNet the are provided. Payments received.n proper form at our processing be ty by 5PY local fire on any day will be ciedi ed to yowMoamt as of to day. Payments received at our processing facility alter 5PM local time will be credited to yo rAdxxwm as of the next day H you have misplaced your arvelope, send your p ftvmd to Dscaver. PO Bad 6103, Cad Strewn, IL 60191-6103. Please allow 7-10 days br doWery. If your payment is retuned unpaid, we reserve the right to resubmit R as an electronic debit You can pay your ma ini m payrn e t or a greater amount over to leleptore, ad you con ad tip automatic peyrents. Cal us at 1-800447.2683. You will awed Us statement and your band account infamabah. You must ensure fwd wAToW kinds are addle in your bank accouR, and all sarsedboms must am" with U.S. leas. You wig be asked b Fronde On first 5 digls of your account steleneat zit code- By entering those maibas as your eMaaicsignature, you oil be agreeing to tins adllormsiah to allow is and your beds to deduct each payment you elalhm2e from your band socouK and to nitiale deM a credit ambles b your bank accent, as applicable. b coo, an era n to preoessng d mrh payment You must lei us the amount d each payment, or you can sled an grout such as to 11h mum Payment Due or to New Balance on each statement You con candela patimarK haewer we roast receive nice at Mash item business days m advance of the scheduled paymat. You may rrtity us by pare at 1400.341-2663 or by mat at to address isted'n the previous paragraph. H your payments may vary in wnmK we will lei you on each monlNy statement when your payment will be made and how much it will be. Yo rAnanmm sac payment arourd may be less than indicated on to montiy slow ent based on mecca or payments applied Bring to big cycle. Credit Reporting. We may report utormakon about your accord to credit bureaus. Late payments, missed paymen s, or other mldauth on your accent may be referred in your erect report. We normally report to stabs and payment historyd yodrAaourt to croft reporting agencies each month- H you befeve the our report is ineommse a iammI l phase ate us at the following address: Dscaer, PO Boos 15316. Wiltnngton, DE 19650-5316. Please nude your new, address, hone blopone number and Account number. PERIODIC FINANCE CHARGES. PeiodC Faeroe Cages are imposed on all hansections loan tle dab the transaction is posted b your Account uti the date you pay your entire New Balance. by making payments or recalhing credits. However, it you paid the New Balance on yew previous billing statement by to Payment Due Dab shown on that staement, and you pay the New Balance by the Payn ert Due Date oe your current Wig stelemerit we Y A not impose periodic France Ganges on now purchases, to s, pudesas knot appeaimg on the current statement We call the to grace period. Otherwise. you will receive a billing stabnam next month that nrktdes Periodic Finance Charges an ihcee new purchases Tyne is no grace period on bow" transfers or cash advances. We sat your trasecsars into groups of purchases, cash advances. end balance senses and term further sat she transactions witlwh each gap by their Amud Percentage Hate. For example, purchases subled to a promotional rate and purchases subled toe stordad rate would be seperab groups. We mfg to twee groups as transaction k- .' .. Atte end d each billing period, we canpuM balances aid Periodic Finance Charges for each day of to billing period for each trasachm category ft use Ow following equations b compute Periodic Finance Charges for each Immacicn category: Average Daly Balance x tatter of days m to big pebd x Day Pa ode Hate. (You may rata to In fiance cage summary on your billing statement lox lose amatrts.) Than we add up tie Pwiodc Finance Chagos for each transaction category b get to hotel Pe iodic Finance Charges lox yam Account The Average Daily Valance is shown as zero if, because of the Woos period, no Periodic Faeroe Cages apply to to balance in a transaction category We use the Average Daly Balance (mcuirg now transactions) meted of calculating the balance upon which we impose Periodic Fiance Charges. We ow" twMerage Daily Balance for each transaction category by adding tip ate the day balances in a billing period for a sasacim category and dvidrp the total by the number of days m the big cycle. We compute to dahy balance for each transacion category on a" day by frst adding to bgaaig b fie Pam* day's daily balance: transactions, made tot day, lees caged OW day and Periodic Finance Charges accrued on the previous days day balance; and by hen subtracting any credits all payments het are appkd ageist to balsew of the sass cion category on that day In eWmi" to daily balance for the ling day of the btlig period, we consider the *previous day's batatce- to have been your balance for each tha soohm category on the last day of your previous beg period. t a trasacbm s posted to your Amount attar to case of to big period m which t occurs, we wig tree to transaction as tww- ig ooumed on the first day of tie biting period in which t s posted b your Account- AN fegywc?mul;/uCcaurt are added to to standard pwdese bamsectim category with the exception of CashAdvmoe Trasedim Fee Fneroe Charges which are added iota app a?? iansoction cdegay ad Balance Transfer Transaction Fee Fiances Charges wfidh are added Iota applicable balarnce transfer mnsecioncelogay When a special balance kw*W rate expires, we move to unpaid balance of to balance horsier and the Balance Transfer Transaction Fee France Charges to to standard purchase trasadion category. Hlmrever , it the special rate has bash terminated under the Default Rae Plan. we bee to unpaid balance d to balance hasfer and the Balance Transfer Trans, ceaim Fee France Charges in tie applicable transaction categoryr owl to special rate would have expired. For TOO (Talecwmnudutlos Device for the Deaf) assistance, please call 1400.347-7149. Oscaver may manor ardor record telephone calls betwean you and Discover representatives for quaky assurance purposes. The Dsmver" rand is issued by Discover Bait, Limber FDIC. OITBK170 New Balance DISCOVER $1,881.61 23 SDSN6A01 0007656 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 r-- Minimum Payment Due! Account Number ending in 4075 $57.00 i Enter Amount Enclosed Below Payment Due Date $ ---? 'lane 22.2009 Please make chec=b to Discover Card or pay online 0? Discrd.oom. Go paperless and melee your account kltomtam more secure with password- pprrdected statements only you can access. Leam more at discover caNpaparless. PO BOX 71084 Illrrrllrrr..l.lrrllnrl?lrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space IIIIIIIIBitIfIIll11pill IoilIII1111IIhIlotIIIIIIbigIIIoilIloll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235018816100100000005700 Discover More Card Account Summary Closing Date: May 23, 2009 page 1 of 1 Account number ending in 4075 Previous Balance $1.936.15 Payment Due Date June 22, 2009 Payments And Credits 100.00 Minimum Payment Due $57.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $418.00 Balance Transfers + 0.00 Cash Credit Limit $1,200.00 Finance Charges + 45.46 Cash Credit Available $418.00 New Balance s $1,881.61 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance S 1.55 Cashback Bonus® Anniversary Month: December Keep building your rewards with every purchase. Start redeeming once you reach S20 Cashback Bonus(R). How Can We Help You? I Visit Disc~.cam to pay your 60 for no cast, view your p kstest Account inForrrrdion, earn and redeem rewards curd more It's your choice - 3 ways to help 2. Cal I-SMDISCOVER (347.2683) for fast, easy selfservice options or to speak wilh a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 fraud liability Guarantee Use your Discover Card with confidence. Tr ans. Post Dais Payments and Credits May 9 May 9 PAYMENT THANK YOU $ 100.00 amwe 5M Tj 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 $0 0.07121% 25.99% F 25.99% $0 $0 Past Purchases $1908.32 0.07942% 28.99% F 28.99% $45.46 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above Imporfart tnbmsMim. O there is more than one page to this billing statement, see to back of each page or additional important information. U) See your CardmemberAgraenwm Your Canthnetnber Agreement contains all the terms of your Account. Z m lost or sides cards. Report inrnedately! Call 1400.347-2601 o Billing Rights Summary. In Case of Errors or Questions About Your Bill, It you think your bill a wrap, or t you need more information about a transaction on your bit. write to us an a a separate sheet of paper at Discover, PO Box 30421, Safi Lake City. UT 84130-0421, as soon as possible. We runt hear from you no War than 60 days after we sem you the fist bit on o which the error or problem appeared. You can WWwrw us, but doing so will not preserve your nights. In your letter, give us the following ikpirrnabort m Your name and Account number. The dollar amount of the suspected error. Describe the error and explain, i you ran, why you believe there is an roc 9you need more information, describe the ism you are unsure aboul. You do not have to pay any amount in quesdon while we are i vestigati g, but you are still obligated to pay era parts of your bit that are nut in question. White we arresegale your questionn, we cannot report you as delinquent or take any action to coxed the amount you question. Special Rub for Cm A Card Purdusea: If you have a problem with the q wilily of goods or services that you purchased with a as &cod, and you have tried wi good kith b coned tine problem with to merchant, you may not have to pay the remaining annum due on the goods or services. You have fhe protection mdy wham the pWase price was moor than $50 and the purchase was made In your tame state orwrOin 100 miss of your maing address. (0 we own or operate the merdant or t we mailed you to adve bmmFd for gone goods or services, all p xc ases are covered regardless of the amord or location of puixtism) Payments. Send only your payment and Oe top portion of this statement in time er elope provided. Do not send castor. By sending your dads as described abore. you sulnaae us to use information on your died to make an electronic fund transfer from your account at the fsanciad institution khdtated on your dads or to process to payment as a dock transaction. O payment is processed as an ele1ronic fund transfer, to transfer will be for the avant of the deck When we use trnamation from your decit to make an eI ' is find transfer, funds may be withdrawn loam your award as soon as the same day we receive your payment, and you wit not receive your knack bads from your financial institution. The processing of your payment may be delayed 0 you send ash, correspondence or other items with your payment, t you sand the payment to any other address a 8 you use an envelope other Man team provided. Payrnenfs received in proprlorm at our processing kcilly by 5PM local We on any day writ be, P 1' Ib yourAcoart as oat that day. Payments received at our processing kci lilyr after 5PM local time will be credited to your Aommas dJhe.next day- t you have misplaced your envelope, sad your payment to Discover, PO Box 6103, Card, Stream, lo 60197.6103. Please allow 7-10 days for delivery. It your payment is returned unpaid, we reserve to right to resubmit t as an electronic debit You can pay your minimum payment or a greater amour over the Wepl aa, and you can set up automatic psymerft Cal us at 1400.347-2603. You will need that statement and your bank adxarn ihlormd cn. You must ensure that sufficient fuds are avalade in your bank atx wK and all transactions must comply with U.S. his. You will be sated in provide tie first 5 digits of your accord sktement ZIP code. By entering two numbers as you electronic signature, you will be agreeing to this authaitatah to slow us and your be* to deduct each payment you autnriu from your bank account, and to mail debt or as& e new to your bank accent as applicable. to coned an error in the processing of such Payment. You must tap is the anotrd of each payment or you can select an amount such as the kinimm Payment Due or the New Balance on each statement. You can cancel a pmymert ihovrtvr we must receive notice at least tiros business days in advance of the scheduled papnenl You may notify us by phone at 14100-347-2693 or by mail at Ohe address listed in the previous paragraph. 9your payments vary in amount we will tell you on each montty statement when you payment will be made and how mach it will be. Your automatic payment andmt may be less than khdicated on the nwntdyr statement based on credits or permits applied during the biting cycle. Credit Repor ft We may report information about you acaxrd to as* bureaus. Late payments, missed payrneha, or other defanits on your accout may be reflected in your a" report . We normally report the stabs and payment it" of you Account to wed mporbig agencies each mond. If you believe Mat our report is iaccuaa or trnomptele, plaaee write us at the timing address Discover. PO Box 15316. WNninglon, DE 19850.5316. Please ndude you name, address, home lelephhone number and Account mrnber. Grace Period on Purchases (at dent 25 days). We begin to impose Periodic Fierce Charges on all transactiat from the Transaction Date for the transaction as shown on yaw biting statarenf, unless a transaction Is posted to yourAccoum after the dose of to billing period in which itocca s, in wdidn rase we begin to impose Periodic France Charges onthat transaction from the first day of to biting period in which t is posted to your ArounL We confirm to impose Periodic Finance Charges until in doe you fay your sif a New flatarhce, by making payments or receiving credits. However, t you pad the New Balance on your previous biting sfalemem by to Payment Due Dab shown on to big statement and you pay the New Balance by the Payment Due Date on your current biting statement, we will not impose Periodic Fnanwe Charges on new purchases. do is. purchases; Imit appearing on am current biting statement. We cal this the -grace period:' Thee is no grace period on balance trarslem or rash advances. Mtrdrun FImanoe Charge. We will charge you a minknm FINANCE CHARGE of 550 for any biting period in Olidm Periodic Finance Chagas of loss Own $.50 would otherwise be imposed. Annual Fee. 0 your Account has an annual fee, it will be billed at to begin ing death anniversary year yo rAccant is open. The anwut of the fee appears an to stake em when the fee is bitled. The annual be is not refundable mess you notify us that you wish to dose yetrAaoum wdtwn 30 days of the maing or delivery doe of the staemed onwhich the lee a billed. You will receive an refund even t you use your Card during that period. Periodic Francs Charges. We sat your trarsacions mW groups of pumhasm ash advances, and balance trasfes and Ven lust er sort the transactions start each 7" by their Annual %oenage Rate. For example, purchases subject to a promotional rate and purdasm subject to a standard rate would be separate groups. We refer to these groups as transaction atagonies. At the end of each billing period, we an" balances and Periodic Finance Charges for each nay of He biting period for each wertacrbrn category. We use the blowing "ohm to co pule Periodic Finance Charges lor each transaction calegory: (Average Daly Balance) times (days in billing period) three (Daily Periodic Rai). (You may refer to to finance charge summary on you Will salemenl for these amounts.) Then we add up to Periodic Finance Charges for each transaction category b get MB total Periodic Final Charges for your Account. The Average Daly Balance 6 shown as zero K. because of the grace period, no Palo* France Charges apply b this balance in a We ussTrfe7i OW Baance (nduding new transactio s) method d alalalig Ma balance upon which we wpm Periodic Finance Charges We compile to Average Daly Balance for each transaction category by adding up all the daily balances in a biting period for a transaction category and dividing the 1DW by to numbs of days it the biting period. We compub to daily balance for each transaction category on each day by first adding the blowing to to previous day's daily balance: transactions with a Transaction Dale of that day as shown on your billing statement unless the transaction is posted to you Account after the dose of tie billing period in which A ocars, in which case the trarsacbm will be added to the daily balance as of the first day of the bit log period in which it is posted to you Account, fees charged that day and Periodic Fiance Charges accred on to previous days daily balance: and by then subtracting any aedts and payments Mal are applied against tie balance of the transaction category on that day. In aoitahhg On daily balers for the fist day of the billing period, we consider the *previous day's daily balance to have been your balance for each transaction category on the laat day of your previous bWM period. At fees charged to your Account are added to the standard purchase transaction category with the exception at Cash Advance 7rrsaction Fee France Charges which are added to to applicable ash advance transaction category and Balance Tnansler Transaction Fee Finance Charges which are added to ft applicable balance transfer tratection category . When the special rate expires, we move to unpaid balance of the balance tra des and the Balance Transfer Transaction Fee Fiance Charges to the standard ptrchsse transaction category. However, if the special rate has been le ninawd under the Default Rate section. we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges in the applicable balance transfer transaction category urdi the special rate would have expired. For TDD Rudawnrmrrnicaliorn Device for the Deal) assistance, please cat 1.800.347-7149. Discover may rrnntor and/or record telephone calls between you and Discover representatives for quarry assurance purposes. The Discovery card is issued by Discover Bank, Member FDIC. OITBK171 DISCOVER $18 ?Z "' 23 SDSNGA0f 0007657 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $55.00 Enter Amount Enclosed Below Payment Due Doke $ July 22, 2009 Please make check payable to Discover Card or pay online @ Discovercord.com. Go paperless and make your account information more secure with password- ected statements only you can access. Learn more at chscover cornlpgwless. PO BOX 71084 Illurl?nrnlrlnllnlrlrl CHARLOTTE MC 28272-1084 Address, e-mail or telephone change? Print change in space )u?r))nr?ur?r??nrlu)r)ur)I))ur)n)nlrrl)nlu)u)r)nl? above, or go to Diseover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235018272800100000005500 Discover More Card Account Summary Closing Date: June 23, 2009 page 1 of 2 Account number ending in 4075 Previous Balance $1,881.61 Payment Due Date July 22, 2009 Payments And Credits 100.00 Minimum Payment Due $55.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $472.00 Balance Transfers + 0.00 Cash Credit limit $1,200.00 Finance Charges F 45.67 Cash Credit Available $472.00 Now Balance - $1,82>.28 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashba& Bonuse Opening Coshback Bonus Balance $ 1.55 New Coshbock Bonus This Period + 0.00 Casl1ack 8ornusS Anniversary Month: December Cashback Bonus Balance $ 1.55 How Can We Help You? 1 Visil D'rsceva corn 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 1-8004DISCOVER (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 Cord, PO Box 30943, For MD (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 Payments and Credits Jun 9 Jun 9 PAYMENT THANK YOU $ 100.00 fdees3Charge Summary Nominal Transoclion Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PEIN MAGE PERCENTAGE FINANCE FINANCE Baksnces Rakes RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.07121% 25.99% F 25.99% $0 $0 Past Purchases $1855.53 0.07942% 28.99% F 28.99% $45.67 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above importat Intormstion. inhere is more than one page b thisbang statement, see the back at each page for additional important information. 0 See your Card ember Agreement. Your Cardmember Agreement codairhs all the terns Of your Accent. Z Lost or stoten cods. Report immediately! Cad 1460347.2613. o Billing Rights Summary. In Case of Errors or Questions About You Bill: d you t knit you tM is wag, or d you need more Wirmalion about a transaction on your bit, wile to us on a c separate street of paper at Discover, PO Bak 30421, Sad Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the frost bit on °o which the emr or problem appeared. You can telephone us, but doing so will not !reserve your ngtits. In you titer, give us h fo8bvirg Information: Your name and Ac:oout number. The dollar amour of the suspected error. Describe the enor and epiaih, it you can, why you believe there's an error. d you need more Mamaton, dewft the dem you are unsure about `a You do not have to pay any amount in question while we are kweslgairhg, but you are slit dbigaled to pay the pads of your bit that are not in gmesion. Mile we iwe*0 your q!rsron. we cannot report you as delinquent or take any action to ceded She amout you question. Special Rule for Croft Card Purchases: If you have a prable n with On quality, d goods or services dot you pmdhased with a credit card, and you have bled in good fallh to cared the problem with h merchant. you may not have to pay the rerrairig amount due on h goods or services. You have has protection orty when the pudase pike was more than $50 and the purdhase was made in your have sale or within 100 miss of you making address. (d we own or operate the m orchant or twe mailed you the adwalaenerefa the goods or services, all phadases are covered regardless of to amount or location of purchase.) Payments. Send only you payment and the top portion of this statement in to envelope provided. Do not send rash. By serhding yam dodo as described shove, you authorize us to use kdamabon on your dock to make an eIM,IrmIC fmhd transfer loom your account at to financial nstkfim indicated on you dads or to pmkess the psymss as a dock trarsectim. I payment is processed as an eleclrow kind ransfer, the transfer will beta the amount d h chsci. When we use tdon abon nom your dock to make an decinx red rarster, furls may be wi8hdrawm km your aocout as soon as the same day we receive your payment. and you will not receive your check back from your financial nstbrton. The processing of your payment may be delayed it you send rash, conespaMence or other items with your payment, if you send to pynhert to any other address or it you use an envelope star tan to are provided. Payments received in proper form Mar processing facility by 5PM local lime on arty day will be 17edled to your Account as of that day. Payments received at our processing aality 9WSPM local nee will be aedted to your Account asd tomcat day t you have nkplaned your envelope, SSW you paymart b Dissover,-PO Bin 6103, Card, Srean, IL 60197-6101 Please allow 7-10 days br delivery d your paprhert is reksmed unpaid, we reserve the right to resubmit as an electronic debit You can pay your miwmum payment or a greater amount over to telephone, and you can set up automatic payrr erft Cat us id 1.806347-2683. You will need On statement and your bank account inkmnalim. You must ensure that Sllgldell kris are available in your bark aaaK and all bosactone met comply with U.S. law. You will be asked to provide the fret 5 digits dyer account statement ZIP code. By ersed those numbers as your electronic signature. you will be agreeing to this authorirakon to slow us and your bank to ddud each payment you aulhodze from yam bank account, and to rhitiale debt or =A entries to yam bate account, as applicable, to caned an error In the processing d such parnat. You must td us the amount of each payment or you can select an amount such as the Alriamn Payment Due or the Now Balkam on each sahemert. You can camel a payment however we must receive notice at least Ines busness days in advance of the scheduled payment. You may notify us by phone at 1400.347-2663 or by mad at the addoess listed in be previous, paragraph. If your payments vary in anra4 we will bd you on each monthly stMerreM mthen your payment will be made and hear mesh it will be. You auomatc payment amount may be less than iWlrated on the monthly statement based on credits or payments applied during to biting cycle. CmM Reporting. We may report rhformetion about your account b ae6t bureaus. Lab payr wk, massed paysrents. or of er delaus on year account may be selected n you creek repot. We normally report the sets and payment yhislory d yo rAcmurt to as& reporting agencies each nnrd? d you believe Mal ohm report is inaccurate or Incomplete. please we us at the billowing address: Discover. PO Box 15316. Wilmington, DE 19850.5316. Please nckde your name, address, honer telephone number and Account number. Grace Period on Purchases (at lead 25 days). Vfe begs to repose Periodic Finance Charges on all transactions from h Transactions Date for to transaction as sAman on your billing stakemeht, unless a ransactim is posted to your Account abler to dose o (the bh7rhg period in which it owls, in which rase we begin to impose PelediC France Charges on Brat transaction from the Net day of the billing periods which it is posted b your AcomA We ealiNle to impose Periodic Fnarree (granges until to date you pay your aria New Balance, by malig payments or receiving credits. However, if you paid the New Baanm on your previous billing statement by the Payment Due Dale shown on that big saknhert and you pay the New Balance by the Payment Due Date on your current Wig stakswt we will not kpose Pedock France Charges on new purchases, tat s, purchases ist appearing on to current biting statement We cat tors the'grme period:' Thee is no grace period on' aI , raskrs or ash advarron Minimum Finance Charge. We will charge you a minimum FWMICE CHARGE of $.50 for any big period in which Periodic France Charges of ass then 550 world otherwise be imposed. Annual Fee. dyour Account has an annual fee, it will be bled at the beginning Bach so ivasay year yhurAcomurt is open. The anour d tefee appeal onh salemet when the fee is bilad. The emual fee is not refsWabb unless you noty us VW you wish to dose yourAcmud with 30 days of to mailing or delivery date of the statement on wtach to fee is riled. You wild reosive this refund even t you use your Card during that period. Periodic Finance Charges. We sal your transactions itb groups d purchases. cash advances, ant balance transient and than ka9wr sort the kansadas within each group by ffw Annual Percentage Rate. For example, purchases subject to a pmmtoral rate and purdhases subject to a standard rate would be separate groups. We miler to these groups as transaction categories. At the end o (each big period we coap a baamces and Periodic Finance Charges for each day of the biting period for each transaction category. We use the fodoeing equation to angle Periodic France Charges for each transaction cabgoy: (Average Dally Be-) lImes (days in rdfng period) Ines (Daily Periodic Rate). (You may rata to the trhahce charge summary on your big statement for these amounts.) Than we add tip the Periodic Finance Charges tr each rarsadim rabgoyr to get the tidal PVenodic Finance Changes 1 for yaaAcmint. The Average Daly Balance is shown as zero 1. because of the grace period. no Penodic Fiance Charges apply to the balance in a yle use hAvenge Daly Balance (rhdhdng new /rasaclorhs) metihod d cala9aling the balaae upon which we impose Periods Finance Charges. We -Mtde the Average Daily Balance for each transaction category by adding up all the daily teams in a big period terra transaction category and *Aft the toal by the nunhberof days in the big peiod. We compute h daily balance lor each transaction category on each day by first adding to folowirg to the previous day's defy balance: trainsedios with a Transaction Dale of that day as shown on your billing sfatenarl, unless to transaction is posed to you Account alley the dose d the telling period in which it oasis, in which case the rarmcton will be added to the defy balance as of the first day of the big period in which it is posted to your AccowK race charged tat day and Periedc Fiance Charges accrued on h previous day's deity balance; and by ton suhrtracig any credits and payments Mal we applied against the balance allies vansaciim category on 00 day. n calc lafg the ddyr baance forte first day d the birg period, we consider h'previous day's daily balance to have been you balance for each transaction ategory on the last day of your previos Wig POW. Ali ices caged toyamAccourn are added b h samh'amd phrdhase transaction category with the sweplon d Cash Adanee Tmasackon Fee Rhahee Charges which we added to to applcahb cash advance transaction category and Balance Ttahsfer Tiarhsacliorn Fee Finance Chagas which we added ton applicable balance haabr tasaction category. When h special rase expkes, we nave the unpaid balance of h balance raster and the Balance Transfer Transaction Fee France Charges to the standard p ec hose transaction category. Floweva, if the specal rate has been terminal under the Deana Flab section, we lave the unpaid balance of the balance raster and the Balance TroWer Tiansacdco Fee Finance Charges in to applicable WWCOrasfer trdsaclon category ill the special rase ward have expired. For TDO (Telecaaanicaliors Device for the Deaf) anisance, plem call 1400-W-7449. Discover may monitor andfor record telephone cats between you and Discover representatives for quality assurance purposes- The Discover' cad is issued by Discover Bark, Member FDIC. 01TW071 DISCOVER Closing Date: ! HIXSON, JOSEPH June 23, 2009 _j Account number ending in 4075 page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: December 23 Balance Previous Cashback Bonus Award Balance $ 1.55 Purchase Award This Period + 0.00 Cas ack Bonus Award Total 1.55 Cashback Bonus Award Balance Award Available to Redeem 8458833 1.55 $ 1.55 Restrictions apply to the Cashback Bonus Pater offers visit Discovw4an or call 1-SWDDCOV? (1-800347-2683) for details. For program details, see the Cashback Bonin Program Terms and Conditions. 8458833 DISCOVER Now Balance 23 SDSN6A01 0007658 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $54.00 Enter Amount Enclosed Below Payment Due Date August 22, 2009 Please make check payable to Discover Card or pay online ® Discovercarl.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- ed statements only you can access. Learn more at discover.cornfpaperless. PO BOX 71084 111r1r11rr8 sr CHARLOTTE NC 28272-1084 111 10 1111 1111 11 11111 111 111rnr1111ln1111to Irr11ln'rllUln'rrll 000001986458999668235017701200100000005400 Discover More Card Account Summary Closing Dale: July 23, 2009 page 1 of 2 Account number ending in 4075 Previous Balance $1,827.28 Payment Due Date August 22, 2009 Payments And Credits 100.00 Minimum Payment Due $54.00 Purchases + 0.00 Credit Limit $2,300.00 Cash Advances + 0.00 Credit Available $529.00 Balance Transfers + 0.00 Cash Credit limit $1,200.00 Finance Charges + 42.84 Cash Credit Available $529.00 New Balance $1,770:12 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonuse Cashback Bonus® Anniversary Month: December Opening Cashbock Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 1.55 How Can We Help You? I Visit Discover corn to pay your LAI far no cast, i your P latest Account information, earn and redeem rewords and more It's your choice - 3 ways to help 2. Call 1-80D•DISCOVER (347-2683) for fast, easy 34service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Dante PDo s Payments and Credits Jul 9 Jul 9 PAYMENT THANK YOU $ 100.00 Information For You This month, the featured Cashbock Bonus(R) Redemption Partner is Bed Bath 8 Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Balh 8 Beyond gift cord. @#SgMCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.07121% 25.99% F 25.99% $0 $0 Past Purchases $1798.19 0.07942% 28.99% F 28.99% $42.84 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rated above. Important Mdminaft . If there is more than one page b tits big stale art, see the bade leach page br adMonat inpatata ihbrmalon. See Your Card -J-Agmmenl. Your CbdmernbWAgreement antais all the terms d yourAccounl Lost or abler arde. Report im mediiatelly. Call 11-MMY-M Bilhrg Rights Sanmay. In Case of Emus orOnstionsAbomd Your Bfk K you think you bid's wrong, or I you need more intimation about a transaction on your till, wrile b us on a separate steel of paper at Discover PO Box 30421, Sall Lake (Sty, UT 841300421, as soon as possible. We m el hear km you no law Mn 60 days after we slit you the ird d1 an o %bob the error or problem appeared. You can telephone us, but doing so will no(presetve your rights. In you letter, give us the blowing infomha6m: 0) You now and Account number. The do& amount of the suspected error. Describe the error and explain, A you an, why you believe taro is an error. I you reed more i for action, describe the flan you are unsure about You do not have to pay any annat in question vdrie we we investigating, but you are std obligated to pay to parts of you bill tat are not in question. WNe we mves6gam you "slim, win carrot report you as deimgant a tale any action to collect to avant you question. Special Rule for Craft Card Pudwas: I you have a problem with the qA* of goods or services that you pudased with a oredi cad, and you hem tried in good lath to sorted the problem with to madhanl, you may not have to pay the ranari amout due on the goods a services. You have Mpro-, I odywhen the fxrdrse price was acre ow S5o and the purchase was made in your have state orwithih 100 miles dyour rialig address. (Nwe own or operate the merdant, or Awe madad you to adlverisemhatforthe goods or soma, all purchases are covered regardless d the amount or lesion d purchase.) Payments. Sad only your payment and to tap portion of this slalemad in the envelope provided. Do not send cash. By seating yaw died as described above, you authorize us b use udormaton on your chedk to make an electronic find taster born your account at the financial institution indicated an your dredd or to Woo= Ire payment as a dude transaction. I payment is processed as an eledrow find trader, the trader will be for the amount of the dads. When we use itorrmtm from, your dads to make an electronic fund transfer, funds may be withdrawn from your account as soon as to same day we receive your payment, and you will not receive your dhedk bade from your finanQUi as ution. The processing of your payment may be delayed d you send ash, correspondence or other tens with your paymat, I you send the paynwt to any mina address or A you use an envelope otter tan the she provided. Payments received in papa form at our Processing la ifily by 5PM local time on any day will be peed b yaw Account as d tat day. Payma is received at our processing Joicky aier 5PM local lime will-be cradled to your Account as of to red day. N you have miistileced your enwebpe, send your paytnad to Discover, PO Box 6103, Card, Stream, 160197-6103. Please allow 7-10 days for defray. If you payment is rehashed unpaid. we reserve the right to resubmit i as an electrarvc debit. You can pay your minin rn payment or a greater amount over Ire telephone, and you can set up aubmatie paymeft Call us at 1400347-26113. You will reed Its statement and you bank account idamatice. You must ensure that whir. at funds are available in you bank acoourt, and all I ansactim must comply *0 U.S. law. You will be aced to provide the first 5 digds of you account statement ZIP code. By eraerig those numbers as your electronic signature, you will be agreeing to ft authorization b allow us and your beak to deduct each paymat you authorize Morn your bark account, and to Miele debit or c red entries b your bank amount, as applrebb, to awed an emir in to pmoeoiog of such payment. You must tell us do amount death payment or you can select an amount such as the Wmimum Paymert Due or ft New Bfanhce on each statement. You an cancel a payment; howam we must reoeive notice at least Iras business days in advance of the scheduled payment. You may notify us by phone at i-NO-347-2683 or by nail at the aduieea filed in to prewo s paragraph. 0 you payments very in anaut, we will fee you on each monliy dalanent when your payment will be made and how much it will be. Your adaadc payment araut may be less than indicated on the mor" stelemen( based on , - I s or payments applied during to Wing cycle. CYOM Repeft We may report intimation about your aoooud to credit bureaus tale Payments, missed payments, or other deleulb an you accout may be reflected in your cref report We normally report the status and payment history of your Account to credit reporting agendas each month. I you believe gw our reparl a iaoanaia or incomplete, please wrfle us at the blowtrg address: Discover. PO Box 15315. Wininglon• DE 19650-5316. Please kit de you name. address, lame Wepihone number and Account amber. Grace Period on Purchaser (d least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Data for the transaction as shown an your trrae dcsWbr*K icin Or= the unless ? of to billing period ^yAccount s p to your Account. W We c to ling which e roars, in when ate we begin to impose ay y Finance Charges m that by mobbing payments or -eMV weft. However. if you paid the New Balance on Ptat Periodic Fiance Chagas orbit to dab you u pay your entire New ew Balance, you previous billing statement by to Payment Due Date slow on tat b? statement and you you pay the New Balance by to Payment Due Dale an your anent biting staletmeK we will not impose Periodic From Charges on new purchases, tat is, pucrses ins( appeaiKon the current big statement We al this He *grace penal:' There is no grace period on balance transfers or ash advances. Miniature Finance Charge. We will cage you a minimum FRANCE CHARGE of 5.50 for any biting period in which periodic Finance Charges of less tan 5.50 would otherwise be imposed. Annual Fee. I you Account has an areal fee, A will be baled at to beginning deaden anniversary year yourAooout is open. The amount eta be the fee a billed. The annual be is not refundable Weiss you notify us tat you wish to close your Account within 30 days of to ma aPP? an the which the to be is bled. You will restive fns refuel even if you use your Card "that period. maiming or delivery data of the statement on wtnrh fe Pakhdic Finance Charges. We sort your ka saiors into gaps of pure rich, ash advances, and balance brasiers and tan Mrler sort the transactions within each gaup by OwAatrtl Percentage Rfe. For example, purchases abject to a promotional tale and pue dases abject to a standard rob wand be separate groups. We rater to these groups as transaction categories, At the and death billing period, we compute balances and Periodic Fiance Charges for each day of the big period for each transaction clegeryr. We use the fallowing equation to compute Periodic Finance Charges for each trasacion category: (Average Daily Balance) tires (days In burg period) limes (D* Periodic Rae). (You may rda to to flnancce charge summary on your big statement for terse amounts.) Then we add up the Periodic Finance Changes for each transaction category to to total Periodic France Charges for yourAcocrmL The Average Daily Balance is shown as zero d. because of to grace period, no Periodic France Chagas apply to to balance eh a `ma!4S 33 tee use the Average Daily Balaae (rshrdig new transactions) meted of calmlairg to balance upon which we impose Periodic Franca Charges 1Ne ow" the Average Daly Balance for each transaction category by adding up ON the dally balances in a big period fix a transaction alegoryr and dbvidig the total by Be number of dep in the biding pealed. We compute to daily balance for each transaction category on each day by first adding the following to the previous day's it* balance: trarsamara with a Transaction Data of that day as shown onyourbAhg statanerd udass the tra eacban is posted to yo rAcco nt aha to dose d the billing period in which I occ rs, in wtida case fro Masaclion will be added to the daily bob" as of the find day of the billing period in which it is pasted to you Account, lees charged tat day and Pei Finance Charges armed en ft previous day's daily balance; and by ten suhtracirg any credits and payments that we applied against the balance of the transaction category on 90 day. In alatairg the daily belenhce for the fret day of to billing period, we consider the Vrevio s day's daily balance to have been your balance for each transaction category on the last day of your previous Will period. Ali fees daaged b yo rACaut ore added b the standard purchase transaction category with to exception of Cash Advance Transaction Fee Fiance Charges which are added in I* applicable ash advance transaction category and Bfahce Tm%W Tio scrim Fee France Chagas which are added to le applicable balance taster transaction category. When the special male spies. we move the unpaid balance of the balance trash and to Balance Transfar Transaction Fee Fiance Charges to the t1 1 1, d prcase tre sactim category. However, Its special Yale has been terminated under ta Debut Rate scrim, we leave to unpaid balance of the balance trerslar and the Balance TransterTransacticn Fee Finance Charges in the applicable balance trarsfa transaction category urd the special rate would lave expired. For TDO (Tdccanmancationa Device for the Deaf) assistance, pbase all 1400,747.7449. Discohmr may nentbr adlor record telephone cab between you and Oiscow representatives for quality assurance purposes. The Discover' card is issued by Discover Bank, Mamba FDIC. OITBK171 Closing Rafe: HIXSON, JOSEPH DISCOVER _ 4uly 23L2oo9 J Account number ending in 4075 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: December 23 Balance Previous Cashback Bonus Award Balance $ 1.55 Purchase Award This Period + 0.00 Cas c Bonus Award Tots 1.55 Cashback Bonus Award Balance 1.55 Award Available to Redeem $ 1.55 8458833 Restrictions apply to the Coshbock Bonus Partner offers visit Discover corn or call I4OOVISCOVER (1-804347-2683) for details. For program detaih, see the Cashback Bonus {hogram Terms and Conditions. 8458833 New Balance Minimum Payment Due DISCOVER $1,713.02 $52.00 Payment Due Date Seplerrrber 22, 2009 29 SDSN6A01 0007659 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Account Number ending in 4075 Enter Amount Enclosed Below - $ Please make check payable to Discover Card or pay online Q Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover comipaperless. PO BOX 71084 lllrrrllrrrrrlrlrrllrrlrlr CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space IIIIoil11I111I1111of111111111111I111111I11111Ilse lrsloll Iloll I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235017130200100000005200 Discover More Card Account Summary Closing Date: August 23, 2009 Pagel of 2 Account number ending in 4075 Previous Balance $1,770.12 Payment Due Date September 22, 2009 Payments And Credits 100.00 Minimum Payment Due $52.00 Purchases + 0.00 Credit Limit $1,800.00 Cash Advances + 0.00 Credit Available $86.00 Bakurce Transfers + 0.00 Cash Credit Limit $900.00 Finance Charges + 42.90 Cash Credit Available $86.00 New Balance -. $1,713.02 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 1.55 -Cashl;ack$onusS Anniversary Month: December How Can We Help You? P 1 Visit Dscover can to pay yaw bill for no asst view latest Account information, earn and redeem rowards 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. opfions or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us d Discover Card, PO Box 30943, Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Oate Payments and Credits Aug 9 Aug 9 PAYMENT THANK YOU $ 100.00 Information for You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card. FBgntaCharge Summary Average Daily Nominal Transaction ANIMAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE Balances Rates RATES RATES CHARGES _ CHARGES current billing period: 31 days Purchases $0 0.07121% 25.99% F 25.99% $0 $0 Past Purchases $1742.70 0.07942% 28.99% F 28.99% $42.90 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 s0 The rates that apply to your Account are either fixed IF) or they may vary IM as noted above Importard MAarwtlon. If there is more than one page to this brig statement. see the beck of each page for adder impatam information. o San your Cwdmm6w Agreement. Your Cardmember Agreement contains all the terms of your Accent rn z Lost or stolen cads. Report immediately! Cal t-M-347.26tJ. 0 a Sling Rights Summary. In Case of Errors or Questions; About Your Bill: If you Wit your bill a wrap, or it you need more kdamation about a transaction an your M. was b us an a separate sheet of paper at Discover PO Box 30421, Salt lake City, UT 64136-0121. as soon as passible. We must bear from you no kder than 60 days atter we sent you the first hill on c which the errs or problem appeared. You can telephone us, teed doing so will not preserve your rods. In your letter, give us the blaring information: 4 Your name and Account number st The doteramohrt of We suspected error. CID Desoaibe the enor and explain, if you can. why you believe there is an error. [you reed more information, describe the Item you are unsure abed `u You do not have to pay any amount in question while we are kwesYgaYg, but you are still obligated to pay the parts of your bill that are not in question. While we invest[gale your quesiorh, we cannot report you as dd rqutent or tale any action to called the amo rd you oyrestion Special Rule for Creft Cad Punctuates: t you have a pnodem with the quaky of goods or services tat you purchased with a credit cad, and you have teed in good hidn to correct the problem wilt the nerdhaM you may not have to pay the remaining anent due on line goods or services. You have his prokcion ony when the purchase pica was more than $50 and the purchase vas made in you home state or within 100 miles o (your maing address. (t we own or operate the merchant, or owe mated you the adva6eneM for the goods or services. all purchases are covered regardless of the amount or location of gncase.) Payments. Send only yaw payment and the top portion of this statement in the envelope provided. Do not send cash By sending your deck as described above. you authorize us to use innamibn an your deck to make an electronic fund transfer from your amour at the uncial institution milicalled on your dodo or to prooess the payment as a deck transaction. t payment is prooeased as an elaLonic frind transfer, the transfer will be for the am ou t d the deck When we use kdonhalhon from your chedd to make an elrw- is hrhd tanser, funds may be withdrawn ham you account as soon as the sere day we receive gar payment, and you will net receive your deck back hrom your tnarhdal' . The processing of you payment may be delayed t you send cash, conesponde nce or other terns with your payment, if you send the payment to any otter addess or l you use an envelope other than lhte one provided. Payments received in pmper form al our plootesng teeny by 5PM bat lime on any day will be credited to yourAomurh as dMd day. Payment time will be credited to yo rAecard as off* next day. t you have misplaced your envelope, send your payment to DiscoverpO Box ll atom processing 1 after 5M local I? b7 61 03C 19 se allow 7-10 days for delivery. I you payment is returned unpaid, we reserve the right to resubmit f as an electronic debt. E You can pay your ronkaun payment or a greater amount over the telephone. and you can sot up automatic payment. Cat us at 14800-347-2683. You will need this statement and your bank account mkny aba You must ensure that suFCerm kinds we available in your bank account and al kahsactiahs must comply with U.S. law. You will be asked to provide the fist 5 does dyer accent summent ZIP rode. By erdemg those numbers as your electronic signal re, you will be agreeing to this ari horizaion b aloes es and your bank to deduct each payment you a llesue from your bank account, and to Whole debit or credit entries to yaw bane account, as applicable, to carved an am in to processing of such papranl. You must talus to amouildada payme nt or you can seed an amain such as the hfiim m Paynherl Due orto New Balance on each statement You can cancela prymahb howeverwe mot mosive notice at krast tree business days in advance d to aceduled payment. You may nolly us by phone at 1.800-347.2683 or by mad at the addiae ised'n the pmv4m paregreph t your paymhana vary in amount, we well tell you on each mommy statement when your payment will be made and tow much it will be. Your scasn is payment arrant may be less tan indicated an to monthly statement based an aedds or payment applied twig the bung cycle. Cradle Reportng. gyro lay report ktomabn about your accord to oedlt burps tae payments, missed payment, or other defaults on your account maybe receded in your credit report. Nk remaay rapott to shim; and payment hisbry d your Accountb clmd ngorbg agahcies each rnorik 8 you believe that our report is inacc rate or ihoeuphele, poise were us at the blowing add mss Discover PO Box 15316. Wih *Vton, DE 19850-5316. Please include you name, address, hone Wephhone amber and Account motor. Grace Paled oat Poschiws (at apt 25 days). We begin to impose Paio is France Charges an of transactions from the Traaacion Deft for the transaction as shown on you biNkg stoma k, wdps s frame on is posted to yo rAccarn alter the dose dthe billing period in which it occurs. in which case we begin b repose Pedoie Firou Charges on tat iansecim from Mafia[ day of to billing period kh which it t posted to your Account We coetirwe b impose Periock Finance Charges until the date you pay yon maim New Balance, by making psyrrentsa recerving amdt. However, if you paid the New Balanceme your previous burg statement by to Payment Due Date shown on the big aelwnad and you pay the New Balance by the Paymrent Due Date on your current biting staterteM, we will not impose Periodic Finance Charges on new purrthases, that is, purchases list appearing on the current billing statement [lye cal this the 'gram period." There is no grace period an balance transfers or cash advances. Minimum Fhunre Charge. We wl cage you a minimum FINANCE CHARGE o ($.5D for any billing period in which Periodic Finance charges of ass than s.56 Wald otherwise be imposed. Annual Fes. tyourAcoourt has an annual fee, it will be billed at the begin" deedh anniversary year yourAemuum is open. The amount of the fee appaa ah the stakrhtent when the fee is bled. The annual in is not rel mdabie unless; you molly us that you wish to dose your Amawn witdn 30 days of the mating or itslivery data of the stalemate on which the fee is hied. You wi recei a thle refund even l you use your Card during the period. Periodic Finswe Charge. We sort your hansaciahs into groups of purchases, cash advances. and balance Wensters and than further sat the ha socioa within each goup by theirAnn al Percentage Rae. For example, purchases nAjed to a pambrul raft and pudases an4W to a standard rae would be separate groups Rib rdn to theme groups as transaction aegodp. At to and of each biting period, we compute balance; end Penick Finance Charges for each day of the billing period low each tra saclion category. Wife use the Mowing equation to compile Periodic France Charges be each kansaction calgoy. (Average Daily Balance) lines (days in bang period) times (Daily Periodic Rate). (You may rota to the finance charge summary on your big statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to gar the total Parodic Finance Charges for your Account. The Average Daly Balance 's shown as zero it, became of the grace period, no Periodic Fiance Charges apply to to balance in a rg We use the Average Daly Balance (including new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges. We copnte to Average Daly Balance for each kasectim category by adding up all the daily balances in a big period for a tromaction category and dividing rte total by the awnber of days in to rig paled. We compute the daily balance for each transaction category on each day by fist awing the fokwing b the previous day's defy balance: transactions with a Transaction Dale of that day as shown an your big statement unless to transaction is posted to yourAmourd alter the dose of the Ming period in which it occurs, in which use the baaacbm will be added to the daft' balance as of the fist day of the bibrg period in which 4 is posted b your Account fees caged the day and Periodic Finance Charges; accrued an to previous day's daily balance; and by ten subtracting any credit and payments that are applied againstthe balance of the transaction category on that day. In coladas g to defy lalaha for the first day of the billing period, we consider the'prewious day's daffy balance' to taws been your betahoe for each transaction category on the last day of your previous biting period. AN fees charged to your Account are added to the standard purchase transaction category with to exception of Cash Advance Transaction Fee Finance Charges which are added to to applicable cash adurahce transaction category and Balance Transfer Transaction Fee Finance Charges winch are added to to applicable balance transeriasadin category. When the spear) rate expies, we more the upeod balance of the balance transfer and the Balance Transfer Trdnsecbn Fee Finance Charges to the standard prdrse moreaCiah category. However t the special ate has bon terminated under the Debut Rate section, we learn to unpr)d balance d the balance transfer and the Balance TrasferThemaYah Fee Fmwhce Charges in the appiahb balance transfer transaction category urd the special rate would have expked. For TDD (Tdacanahwin4toru Davica for the Deaf) assistance, Pepe cat 1411111-347 7449 Discover may m orelor anNor record telephonecalls between you and Diacovir representatives for quality assurance purposes. The Dhscover' cad is lamed by Demurer Band, Member FDIC. OlTBK171 DISCOVER Closing Dcde: HIXSON, JOSEPH A ust 23, M9 Account number ending in 4075 -- ' .- - page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date; December 23 Balance Previous Cashback Bonus Award Balance $ 1.55 Purchase Award This Period + 0.00 Cash back Bonus Award Total 1.55 Cashback Bonus Award Balance 1.55 Award Available to Redeem $ 1.55 8458833 Restrictions apply to the Cashback Bonus Partner offers visit Discover corn or call I-800-DISCOV9t (I.800347-2683) for details. For program details, see the Cashbadc Bonus program Terms and Conditions. 8458833 DISCOVER $ 6Now 54.49 e , $50.00 Payment Due Payment Due Dale October 22, 2009 23 SDSMA01 0007660 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Account Number ending in 4075 Enter Amount Enclosed Below $1 Please make check payable to Discover Card or pay online 0 Discovercard.com. Go paperless and make your account information more secure with password- proI I I statements only you can access. coin more at discover camlpaperless. PO BOX 71084 111111111111111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1111111111111111111111rill 11111[loll 11111$11111161111111111611 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235016544900100000005000 Discover More Card Account Summary Closing Dale: September 23, 2009 page 1 of 2 Account number ending in 4075 Previous Balance $1,713.02 Payment Due Date October 22, 2009 Payments And Credits 100.00 Minimum Payment Due $50.00 Purchases + 0.00 Credit Limit $1,800.00 Cash Advances + 0.00 Credit Available $145.00 Balance Transfers + 0.00 Cash credit Limit $900.00 Rnar. ci.". 41.47 Cash Credo Available $145.00 New Balance $1,654.49 You may be able to avoid Periodic Finance Charges, see the reverse side for delah. Cashback BomuSe Opening Coshback Bows Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashbodr Bonus Bakwe t 1.55 Coihbdck Samoa Anniversary Month: December How Can We Help You? P I visit 1016cever cam to pay your bbl for ne coat, view l t t A t f d d a es ccoun in ormation, cam an re eem rewards and more It's your choice - 3 Ways to help 2. Cap 1-80OMWOVER (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 114130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Post Tte e Dat Dcft Payments and Credits Sep 9 Sep 9 PAYMENT THANK YOU $ 100.00 Information For You Enroll in Paperless Statements for your chance to win big. Go paperless and you can win up to $15,000 cash! Learn more of Discover.com/sweepstakes. Fggg#g#3Charge Summary Average Doily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic P NTAGE PEltC84TAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES- ca•u?RGES current billing period: 31 days Purchases 50 0.07121% 25.99% F 25-99% $O $0 Post Purchases $1684.92 0.07942% 28.99% F 28.99% $41.47 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rased above Important Inbrmrmatbn. If there is more Man one page to tits bang statement, see ft back of each page far additional important inbrmation. CO) Sou you Cardnwmbr Agreement. Your Cardmember Agreement contains al the terms dyer Account. 0 Z Last or dAn cards. Report immedakly! Call 1.600-347.2663. ° S" Rights Summary. In Case of Emus or Questions About Your Bill: Myou Mink your bill a wrong, or 9 you need more iMarmabar about a trarsachon on your bill, write b us on a f f g separate sheet o paper at Discover, PO Bros 30421. Sell Lake City. UT 841304421. as soon as possible. We must hear tam you no Mar Man tin days aRe we sent you to fist bit on which the amour or problem appeared. You an Mephone us, but doing so will not preserve your rights. In your ledw, give us the following inFamalon: v Yam nerve and Account number. m The doter amount of to suspected error. ° Describe the error and explain. 0 you can. why you believe there Is an emor. If you need more irdronmaUar, describe ft item you are unsure abed. You do not have to pay any amount in %estion wide we are investigating, bud you are still obligated b pair to parts of your bit that are not in question. WNe we Irwesidgale yam question. we cannot report you as deWmgnuat or take any action to collect to amount question. SpecW Rule for Credit Card Pudusa: M you have a problem with the q 4ty of goods or services that you purchased with a credit card, and you have hied in good UM to correct the problem with the madhaht, you may not have to pay the mmainig avant due on the goods or services. Ydu have the probcI only wham Me purchase price wat move Man $50 and to purchase was made in your home state r willm 100 miles dyer mmrding address. (If we awn or operate the merdmart, or Ewe mated you the advrdanent f r to goods or services, all purchases are covered regardless of the amount or ballon of purchase.) Payments. Send only your parrot and to tap portion of fits sfa0envard in to envelope provided. Do not send rash By sending your dhedc as described above, you a dwrize us to use information on your check to make an decho we kind trarmafa tan your accent at the financial institution imdraked on your cock or to process to per sent as a dkedt transaction. If parrot is processed as an electronic fund transfer, he transfer will be for the anoont of to dwdd. When we use iidmnakan barn your black to make an ebctratc fend transfer, kinds may be wnhdrawr from your accent as soon as tie same day we receive your payment and you will mat receive your dmcdk bads from your frnandal i stieion. The processing of your payment may be delayed If you send cash, correspondence or our dams with your payment, I you send to payment b any oMa address or if you use an envelope other than the one provided. Payments received in props form at our processing fadky by 5PM local time on any day will be credited to your Account aadbell day. Payments received at our processing facility after 5PM local time will be red W b your Aawuntas date next day K you have misplaced your envelope, send your parrot to Disonuer. PO Box 6103, Carol, Stream, IL 601976103. Please allow 7-10 days for delivery. 9ywmr payment is returned unpaid, we reserve to right to resubmit it as an electronic debit You can pay your minimum payment or a greater avant over the telephone, and you can set up a l mak payments. Cal us at 14W347-2683 . You will need this statement and you bank account nbnnabon. You must won that sulkdatt kinds are available in your bank account, and all transactions must complywwilh U.S. law. You will be asked to provide to fist 5 dims of your account statement ZIP code. By among tae numbers as yam electronic signature. you will be agreeing to thfa authoftaion to allow us and gar bw* to dedurleauM payment you a Chow from your bans accord. and to innate debit or a" entries to your bank aunt, as applicable, to caned an am in to processing of such paywnant You must bl us to amount of each payment or yam an seled an amour such ah to Minimum Paymed Due or time New Balance on each statement. You an canal a payment however we must receive notice at bast tree business days in advance of the scheduled payment. You may, notify us by phone at 1-0"7-2683 or by mail at the addm sou asked into preNas paragraph. It your payments way in amount, we will tell you on each nutty stalemard when you paymentwit be made and how much it will be. Your auAaretic paymmmat mod t may be less ban indicated on the mor" statertuemd based on aedts or payments applied during the baling cycle. Credit Reporting. We may report amtarm*m about your aucourd to oredl bureau Late payments, missed payments, or other detach on your account maybe Air , in yo raedit report . We norrrely report to status and parrot history of yourAccoumd b aedt reporting ag ndes each m cedh Kyoubafsve that ourreport is mamn* orioanpluhle, please write us at the blowing address: Discover. PO Box 15316. YWnwnglm. DE 19650-5316. Please Include your name, address, home telephone rhumba and Account number. Grace Period on Purchases (at least 25 days). title begin to impose Periodic Finance Charges on all transactias tom to Transaction Dab for The rasaclion as shover on your billing alhar lhe dose of the period in which it amurs. in which case bur n to impose a Fn aroa Ch ases that ?mi ? p r nsadlon from the fort day of ft bOV period in which 4 is pag y your ed to your Amount. c ag Mne to impose Pei Finance Charges the date t you p ay li ie New &ia ? by making payments or receiving weft. However, ti an t you paid tlhe Now Balance on your previous Difmg statement by to Payment Due Data shown on bilks statement and you pay to NewBalance tlhe the on new purchases, Mat's, purchases W appearing on the m current biting statement We call ft Wgrace period. There is no grace period on balance tansbs or ash advances. Minnwrm Finance CWW. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in at" Periods Finance Charges of less than 5.50 would odowise be imposed. Annual Fes. 1f your Account has an annual fee, it will be billed at the beginning of each anniversary year yo rAomurm is open. The amount of the fee appears on the stalermsrd wimen to fee a biked. The annual fee is not rakmdabla unless you notify us that you wish to dose your Account within 30 days of to moving or delivery date of the statement on wadi time fee is billed. You will receive his refund even 0 you use you Cad doing tat period. Periodic FInarce Chagas. We son your transactions into groups of purchases, ash advances, and balance traslers and therm Earlier sat to transactions; w* m each group by dmerAmuua Percentage Rate. For example, purchases wbjW to a promotional rate and purdhases subject to a standard rate would be separate grails. Vile mmdar to Mesa gaups as transaction atego ies. At the end of each bftq period, we conpule balances and Periodic Finance Charges for each day of to biig period for each transaction category We use the blowng equation to cormpude Periodic France Charges for each transaction category: (Average Daly Balance) tines (days in big period) firm (Daly Periodic Rate). (You may refs to to inane charge sunnhary on your brag statement for these armb.) Then we add up to Paiodc Fierce Charges for each ramnsaci on category to gel the font Periodic Finance Charges for your Account. The Average Daly Balance is shown as zoo If because of he grave pedod. no Periodic Finance Charges apply to he lxslarra a a X83 We use the Average Daily Balance (including new ransactim) rnetod of calculating to batareoe upon which we impose Penio* Finance Charges. We conptie to Average Daily Balance for each ransa ton category by adding up all the daffy balances in a Wing period for a transaction category and dividing to roust by the reenter of days n to big period. We or" the daily balance Icr each transaction category on each day by fist adding he fallowing to to previous dey's daily, balance: transactions with a Transaction Data of tat day as shown on your billing statement, urness this transaction it posted b your Account after the dose of this biting period in which I occurs, in which ass to transaction wit be added to to daily balance as of tl» first day of the big period in witch 0 is posted to your Account, fees charged that day and Periodic Finance Charges accrued on time previous days dally balance; and by than subtracting any credits and payments but are applied against to balance of time transaction category on tat day. In abataug the daily bdw= torte fiat day of the billing period, we consider the Vrevious days daily balance to have been your babrce for each ransadion category on to lest day of your previous brig period AN fees charged b yo rAooo and are added to to st1 1, purchase resection category wdh de excePbon ofCashAduancsTrasaction Fee Finance Charges wtwrh are added to the applicable cash advance to special rake expires, wed move the unpaid balance of ft balarca transits and to Baler" TramTrwhich are added to Me applicable balance kamefer . , arsadon Fee F ?x ? Chases to to standard pudrse Yanatctioa category. However, 6 to special rake has been temerhabd under to Default Rai section, we leave to unpaid balance of the balance trarefem and the Balance Trrsla Trarsadon Fee Finance Cwagea in the appiahb balance hanslia racsactim category until the special rate would have aupired. For TDD (Telecommunications Duke for No Dart) assbfaroe, please call 14100-347.7449. Discover may monitor ardor record Wephate cab between you and Discover mepresentatves for q ahty assurance purposes. The Discover` cad is issued by Dismver Bannr. Member FDIC. OITBK171 - , HIXSON, JOSEPH 1 Closing DISCOVER St IW Date: Account number ending in 4075 eRtetnber 232009 page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: December 23 Balance Previous Cashback Bonus Award Balance $ 1.55 Purchase Award This Period + 0.00 Cashback Bonus Award Total 1.55 Cashback Bonus Award Balance 1.55 Award Available to Redeem $ 1.55 8458833 Restrictions apply to the Cashback Bonus Pater o(krs visit Discover cern or call 1-800-DISCOVER (1-800-347-2683) for details. For program details, we the Cashback Honor Program Terms and Conditions. 8458833 DISCOVER $1Now ,598316 23 SDSN6A01 0007661 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Minimum Payment Due Account Number ending in 4075 $48.00 Enter Amount Enclosed Below Payment Due Date Newn'ber 22, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercon4paperless. PO BOX 71084 Illrrrllssrrslrlrrllrrlrlrl CHARLOTTE NC 28272-1084 Irrlrllrrlrrrlrllrrrlrrlrlrrrllllrrrlrrlrrlrrllrrlrrlrrlrlrrll 000001986458999668235015931600100000004800 Discover More Card Account Summary Closing Date: October 23, 2009 page 1 of 2 Account number ending in 4075 Previous Balance $1,654.49 Payment Due Data November 22, 2009 Payments And Credits 100.00 Minimum Payment Due $48.00 Purchases + 0.00 Credit limit $1,800.00 Cash Advances + 0.00 Credit Available $206.00 Balance Transfers + 0.00 Cash Credit limit $900.00 Finance Charges --- + 38.67 - Cash Credit. Available $206.00 New Balance _ $1,593.16 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaAba& BonuSe Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period ± 0.00 Cashb«k Bonus Balance $ 1.55 -Cashi;ock BonusGltrAnniversary Month: December How Can We Help You? P 1 visit Discowr corn to pay your bi far ne test, view latest Account information, earn and reclean rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selhservice Please haw 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 Payments and Credils Od 9 Od 9 PAYMENT THANK YOU $ 100.00 Information For You Enroll in Paperless Statements for your chance to win big. Go paperless and you can win up to $15,000 coshl Loom more at Discover.com/sweepstakes. We would like to thank our Cordmembers for Jonaling over $15,000 of their Cashback Bonus(R) awards to Junior Achievement this year to assist students across the country to participate in financial education. fgMgCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee B n R/ is TENTAGE PERCENTAGE FINANCE FINANCE ala ces RATES CHARGES- CHARGES current billing period: 30 days Purchases $0 0.07121% 25.99% F 25.99% $0 $0 Past Purchases $1623.40 0.07942% 28.99% F 28.99% $38.67 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important norm adon. If there is more than one page loft billing stamnent see the bad dean pogo loll eddlorha inpo?tam indometionh. Sea your Cwdmmlber Agnemwt You CardnemherAgieafmcnt contains all the terms dyour Acotunt. Lost or stolen cards. Report iisnedateh+l Cd mwW 2665. Biting Riglds Summary. In Case d Errors or Questions About Your Bill: N you thine your bill a wrong, or t you need more nkmabn about a transaction on you n7, wile to us on a o separate sheet of paper at Disoover, PO Box 30421, Sat Lake City. UT 841304421, as soon as posWe must hem horn you no later tan 60 days aflerwe sent you the Est bit on o which the error or problem appeared. You can telephone us, but doing so will not preserve you rights. In you letter. give us to fallowing infamwtion: Your name and Account rumba. rn The dolmanaunt d the suspedad aw. Desailbe to error and expten. 6 you can, why you betiave too is an error. M you need more iMamatim, describe the lean you are unsure about. You do not have b pay any anad in question wile we are investigating. but you are stint a' rgaled to pay the parts d your td that are not in question. While we investigate your Wastion. we cannot report you as debrgtN,vt or Make arty action to collect the amount you question. SpwW Rule for Cmd t Card Pudnaaes: Nyou have a problem with the quaity olgoods a services tal you purchased with acted cad. and you have tract in good fath b correct the problem with the mewdan. you may not have to pay the mmailirng amount due on the goods or services. You have this protection only Man the pu tchm price was more than $50 and to pudase was made n your home state or withim 100 mks of your maiirg address. (t we awn or opaam the merchant all t we r alled you to admillseme tfor the goods or services, all purchases are covered regardless of to amount or location o (purchase) Prymen4. Sad only you payment and the lop porim of Ills statement in to envelope provided Do not Send cash. By sending you dads as described above, you a llrome us to use inbmaion on your check to make an docio is kind NwWw from your amount at tie financial hstihAon inrliraI ' on your dicta orb process the payme d as a dads tanacbn. I payme t is processed as an elaclmome but bend w, No Wersbr wN be loll the amount of the dwdk When wa use irAomaion from your dads to make an ekctroric had transfer, finds may be witrdawn kom yaw account as soon as Ie same day we recem you payment and you will nor reccive you deck bads km your fnandai institution. The processing of you payment may be delayed gym sad cash, correspondence or other hems wlh your payment N you send the payment to any odw address or Iyou use an envelope otter than to one provided. Paymena received in pmpa form at our processing faulty by 5PM local ire marry day will be credited to your Account as of tat day. Payments tewried at our processing facility after 5PM local time will be credited to.your Amount as olbeneatdaye If you Dawe misplaced your envelope, sad your payment loDiscowerrDd Bak 6103, Card, Steam, 111.60197-6103. Please allow 7-10 days for delivery. K your paymentis relu nod unpaid, we reserve the right b nesubmt it as an aleckoric debit. You can pay your minimum paym it era greater anord over the telephone, and you can set up automatic paymoft Cal us at 1-800.347-2663. You will road this statement and you bank amount kdomhaion. You must ensure tat su lIdwit krds am available in you bank aocmK and all transactions must comply, with U.S. tent You will be eked to provide to fret 5 digks of your amount statement ZIP code. By etaig those numbers asyoureledranc sigakre, you will be agreeing to this m a cation to allow ins aid your bank to deduct each payment you aulhaae from your bank amount, and to niiae dell or credit entries b your bat account as applicable, to correct an error in the processing of such payment. You must tag us to amount of each payment or you can select an amount such as the Vr inum Payment Due or the New Balance on each aatiame t. You can sancd a payment however we must rkeedve notice at lead tree business days n advmKe of the scheduled payment. You may no* us by phone at 1404347.2683 or by mail at the address tebd in the previous paragraph. t you grants vary in amount. we wrt Id you on each mantdy staleamd whom your paymad will be made and how munch it will be. You aromatic payment amount may be less than indicated on to nanny statement based on credits or payments applied during the big cycle. Credit Repoft* We may report i lomaDon about your account to creel bureaus tale payments, missed payrronts, or Ow debu b on you account may be reflected in your aedit report. M nommatiy report the stain and payment history of your Accont to teed reposing agendas each month. Nyou behave thatour report Is inaccurate or l x g im, please write us a to blovMg address D wover, PO Box 15316. W3nnglan. DE 196545316. Please ndde yo r nim , address, home Weplon a number and Account amber. Grace Pwbd on Pudhws (at oat 25 days}. We begin to impose Periodic Finance Charges on all karraactas from to Transaction Date for the iarsarbon as shown on your thing stebneK unless a transaction is pasted to yaw Account ally the dose of to burg period in which N occurs- in when case we begin to impose Par iedc Finance Chortles on that transaction Iran the first day of the billing period in which it is posted to your Amount. We continue to impose Periodic Finance Chair" until the date you pay you entire Now Balance, by nnling payr eta or reowAn cradite. htowever, N you paid tte New Balance on your previous big stalener t byte Payment Dore Deb shown on ton birg steamed and you pay one New Balance by the Payment Due Dab on your current big slatened, we will not k pose periodic Finance Charges on new purchases, tat is, purchases list appearing on the current big statement We call his the *gram period" There is no grace period on balance trarders or cash advances l6inuruh Flmarrn Chmpa. We will large you a mtinimu m FWANCE CHARGE of $.50 for any big period in which Periodic Fkhance Charges of less than $.50 would dhervvse be imposed. Annual Fee. N your Account has an annual tee, 8wi be billed at the beginning of each anniversary yam yarAOcad is open. The amount of the be appears on the stork eel when the fee's billed. The annual be is not rehi dable u tiers you noiy us to you wish to dose your Amoutwitin 30 days of the mating or delivery date of the statement on which the be is bled. You will receive to rebut even N you use your Card during tat period. Pwiodic Finmrce Charges. We sad your transactions info gaps d pudprses, cash advances, and balance transfers and than cuter sort to transactions wain each group by theirAnnua Percentage Rata For example. pudases subject to a promotional rate and Purchases subject to a standard rate would be separate groups. ft refs to base groups as tmmsacim categories. At the and of each billing period, we compute balances and Pw ark From Charges for each days the billing period for each transaction Category We use the lobwtrg equation to cermpde Periodic Fiance Charges for each trarme" categoryr: (Average Day Balance) tines (days in Wig period) Imes (Daily Periodic, Rate) (You may refer to to finance Jorge summery on year big sta went for these ar nouca.) Then we add up to Poioic Faarre Charges for each transaian category to to total periodic Fnuae Charges fix your Account. The Average Daly BeLince is shown as zero t, because of the grace period, no Periodic Finance Chergas apply to Me balance in a ""?M Muse IaAverage Daily Saline (idhdng new limmactons) method of kaludatig the balamuce kyon wIridn we impose Peiodic France Charges. We unrnpule the Average Daly Balance for each trarsac. category by addkg up all the dally balances in a billing period kv a transaction category and dividing to %W by the number of drys in the big period. We compute the duly balance for each transaction calleM on each day by first adding the Wailing to to previous day's daily balance: transactions wlh a Transaction Date of that day as shown on you tubing sat rn rat unless to transition is posted to yourAcco rd afar 6o dose of do bang period in which l occurs, in Mich case to trasadon wit be added to the daily, balance as of the Ndday of die big period in which it is posted to your Acco nit, tam Barged nest day and Periodic Faunae Charges acriued on to previous days daily balance: and by ton subtracting any credits and Parma tot are applied against the balance of to transaction category on tat day In calculating In daily balance for to fist day of the big period, we consider the -previous days daily baarW to haws been your balance for each transaction category on the last day of your previous billing pariod. Al fees charged to your Account are added to the standard pudase transaction cite" with the eacepion d CeAAdvarae Transaction Fee France gorges which are added to the the species rate erpkes, we ll move the unpaid balance of balance ka sla and the Balance ?Tmwhich are added ID the applicable asaclon Fee Rom balance Charges to che st list aaoa e - uabgoty yN go However, I to special rate has been mminsted under to Default Rae secton, we heave the unpaid balance of the behave Vanslar and the Balance Trader Transaction Fee Charges in to applicable balance trader transaction category until the special fate wound have owed. Finance For TDO (Telecernraradatono Owke for to D*A asslWnx, please caN 1400.347 7446. Discovermay noniim adlor recall telephone calls bawee n you and Discover represanaives for quality assurance purposes. The Dtsooverv card a issued by Discover Bank, Member FDIC. OITBK171 --Closing Dale: HIXSON, JOSEPH DISCOVER a Account number ending in 4075 October.23,2009 i page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: December 23 Balance Previous Cashback Bonus Award Balance $ 1.55 Purchase Award This Period + 0.00 Cas back Bonus Award Total 1.55 Cashback Bonus Award Balance 1.55 Award Available to Redeem $ 1.55 8458833 Restrictions apply to the Cashback Bonus Partner offers visit Discover mm or call 14MX DISCOVER (1-800-347-2683) for details. For program details, see the Cashback Bonus program Terms and Conditions. 8458833 DISCOVER New Balance Minimum Payment Due Account Number ending in 4075 $1,671.85 $".00 Enter Amount Enclosed Below Payment Due Date $ F -71 December 22, 2009 Please make check payoble to Discover Card. Minimum payment due includes a past due amount of $48.00. 23 SDSN6A01 0007662 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA Go paperless and make your account information more secure with password- protected staternerks only you can access. 17055-5752 Lear more at discover com4operless. PO BOX 71084 Illeeellerrrel.leelleelelrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print charge in space (enlellrpill rlfill fell rlelenrlllIII rllife III III elselIf lelerll above, or go to Discowr.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235016718500000000009900 Discover More Card Account Summary Closing Date: November 23, 2009 page 1 of 1 Account number ending in 4075 Previous Balance $1,593.16 Payment Due Dale December 22, 2009 Payments And Credits 0.00 Minimum Payment Due $99.00 Purchases + 39.00 Credit Limit $1,800.00 Cash Advances + 0.00 Credit Available $128.00 Balance Transfers + 0.00 Cash Credit Limit $900.00 Fimece Charges + 39.69 Cash Credit Available $128.00 Now Balance _ - $1,671.85 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaAback BonuSe Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Cashback BomisO Anniversary Month: December Cashback Bonus Balance $ 1.55 How Can We Help You? I Visit Discover coon to pay your ba for no `ems view P latest Account information, ear and redeem revwrds 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 how your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sall Lake City, LIT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date odw/Miscellaneous Nov 23 Nov 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. Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES _ CHARGES current billing period: 31 days Purchases $0 0.07121% 25.99% F 25.99% $0 $0 Past Purchases $1612.28 0.07942% 28.99% F 28.99% $39.69 s0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Discover(R) gift cards make easy holiday gifts. Now saw $2 on the purchase fee of each gift card - plus get FREE shipping. Personalize gift cards with names and messages. Many have matching greeting cards) Save through 12/31/09 enter GIFT4 at DiscoverGiflCad.com Important klformalkia If there is more than one page to this tx7xlg statement. see the back of each page for additional important intimation. See your Card arnberAgreement. Your Cardmember Agreement contains al the terms of your Account. Lost or slobn cards. Report imnedialelyl Cal 14"7.2661 Bing RWft Srarmary. In Case of Errors or Quash= About Your 80: If you think your bit is wmn% or l you need more nbmali m about a transaction on your bill, write to us on a f g separate steot o paper at Dsrnver, PO Box 30421, Sal Lake City. UT 84130 D421, as soon as possible. WWe must hex from you no later thou 60 days sherwe sent you the list bit on which the error or problem appeared. You can telephone us. but doing so will not preserve you tights. In your letter, give us to Tdlowimg ihbnnatixn: Your none and Account number . m The doter amount of the suspected error. Describe the error and explain. I you can, why you believe two is an error. N you need more nbnneion, describe the Item you are asae about. o v You do not have to pay any amount in question while we are investigating, but you are stn obligated to pay the pals of your d7 that are not in iiorm• Me we ihveatlgate your question. Wer WK reps! you is dekq mq or take any action to wiled the amount you WAon.. Special Rub for CredY Card Pwchases: t you have a problem with the qually of goods or services that you purchased with a credit cad, and you have tried n good fain to oared the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have on pmtectim only Win the purchase price was more than $50 and to purchase was made in your home state or within 100 mies of you mating address (t we own or operas the merchant, or I we mailed you to adverbsernaA forte goods or services, al pudases are covered tegardees of this anent or bcatorh of purchase) Payment. Send any you payment and the top portion of this stabnint in the envelope provided. Do not said cash. By sanding your dick as descrbe0 above you ouicmiae us b use intormatian on your dick to make an electronic ird traestor from your account at to financial institution indicated on your check or to pacess the payment as a died trasecion. t paymaM s;recessed as an ekmonic find traosler, to carder wi be forte amount of to dice. When we use noniron tom your dick to make an electroric fund iransbr leads may be withdrawn from your account as soon as to same day we receive you payment and you rill not receive your dick bade from your financial ksalhtim. The pnooessirg of your payment may be delayed if you send cash, morespahdemoe or oft hers with your paymeK t you send the payment to auy other address or l you use an envelope other tan to ere provided. Payments received n poper tam at err processig bo ty by 5PM surf erne onamy day vvA be crei i b yourAccountas d tit day Payments received at out processing to7ly after 5PM local bmewib be uedted to your Accowl as of the next day. I you have misplaced yar envelope, sad your payment to Discover. PO Box 6103, Card, Stream, It. 601976103. Pleese allow 7-10 days for delivery. K your payment is returned unpaid, we ream the right to ms bni it as an electronic debit You can pay your atnmu m payment or a greater amount over In telephone, and you can set up automate payment. Cal us at 1.800-347-26 3. You will reed In slatariM and you tank scout indormabon. You must asure that suAdad funds we affable in your bank account and al transactions; mull comply with U.S. law. Yet wil be acid to provide the fast 5 digits of your woohal statement ZIP axle. By entering those numbers as your electronic signature. you will be agreeing to the audwrintim b alvw us and your bank to deduct each payment you authorize tram you belt account. and to Wtale debit or credit entries to year bank amount, as applicable, to coned an error in Vie processing of such payment. You must tell us the amount of eadi payment or you can sled an amount such as is Mnrrhun Payment Due or to New Balance on each Martell. You an cahod a paynsrt; however we must receive recce at least hee business days in advance of the scheduled payment You may notify us by One at 1400347-2683 or by mail at to add Ysted in to previous paragraph. If your payments vary in sm ouK we wit Id you on each monthly sWereM when your payment will be made and taw much It will be. Your automatic payment amount may be less than indtated on the monthly statement based on weds or payments applied during to billing cyde. Credit Reporting. Wei hey report information abort your accord b aedk bureaus, Lab payments. missed paymens, or other onbults on your account may be reflected in your credit report . We normally report the stabs and payment history of your Aaaunt to credit reporting agencies each ninth. N you believe het our report s imacarale or incomplete, phase write us at the following address: Discover, PO Box 15316. Wknington, DE 19850-5316. Please Include your name, address, home telephone number and Account number. Grass Perod on Purchases (at bast 25 days). Wve begin to impose Periodic Finance Charges on al transactions from the Transaction Dot fat le transaction as sham on your bang sUbment, unless a trasachon a posted to your AmowM ale to dose of the tiling period in Mich it owns, in wtech case we begin to impose Periodic Finance Charges on VW transaction from the ird day of the honing period in Widm't is posted b your Account. We continue to impose Periodic Finance Charges urd the dale you pay your &*a New Balince, by making payments or receiving pacts. However, it you pod the New Balance on yar;nevus bfifirng sWernent by the Payment Due Date shown on that timing slawment and you pay the New Balance by the Payment Due Date on yar amen thing slakmehL we wit not vitim Periodic Finance Charges on new purchases, that is, Purchases fist appearing on the current bilig statement We cat to the'graoe period: There is no grace period on balance transfers or cub advances Minnaxm Finanme Charge. We will charge you a minimum FINANCE CHARGE of 550 for any tiling peed in which Periods Finance Charges of less than 550 would otherwise be imposed. Amoral Fee. t yourAOcout has an annual tee, A will be bled at to beginning of each aniversay year your Account is open. The snarl of tr fee appears an to swemat when the fee is bled. The areal be is not relu dable, unless you notify us that you wish to dose your Account within 30 days of to mailing or delivery date of the statement on which the fee is bled. You wA receive tits refrrd even if you use your Card during that period. Perbdk Finance Charges We amt yar tansac tiors into gaps of purchases. cash advances, and balance transfers and ten further sat to transactions within each group by than Annual Percentage Rate. For example, pure ases subject: to a Promotional rate ad pwdases subject b a standard rat would be separate groups. We rain to these groups as transaction categories. At is and of each bill" period. we compute babnoes and Periodic Finance Charges for each day of the biling period breach transaction category. We use the Mm" equation to compote Periodic Finance Charges for each transaction caheW (Average Daily Balance) times (days in tiling period) hoes (Daly Periodic Rate). (You may refer to the finance large summary on you bang statement for these ainowls.) Then we add up the Periodic Fiance Charges for each transaction category, b get the total PenodcVas Finance C8 g for yourAceoud The Average Daly Balance is shown as zero A, because of the grace period, no Periodic Finance Charges apply in the balance in a We use the Average Deily Balance (incli dm" new transactions) method of calculating the balance upon which we impose Periodic France C:tharges. We compule to Average Daly Balance for each transaction category by adding up all to daily be== in a blirg period for a transaction category and dividing the total by to number of days in rte bang period. Wve am" to daly balance for each trarsactiorm category on each day by first adding to following to to previous days daily balance: transactions with a Transaction Date of that day as shown on you bung staleme t, a lass to transaction s posted to your Accamt after to dose of to big period in Widh A oom, in which as the transaction wit be added to the daily balance as of the first day of the being period in Wtdh it is posted to your Amount. fees charged that day and Periodic Fiance Charges accrued on to previous days daily balarre; and by ton subtracting any credits and payments Mat are applied against to balance ate trahsecio n category on that day. In calculating the daily balance for to first day of the billing period, we consider the 'previous day's defy balance' to have been you balance for each transaction ralagory on to last day of your previous biting period. At fees charged b Your Amout are added to the stadad purchase transaction category with to exception of Cash Advance Transaction Fee Fiance Charges which we added to the apPhficabb cash advance bansadon category NO Batas TmrmWTransachon Fee Fiance Charges which are added No the ePpicabk balance baislakasactah category. When the special rate expires, we move the unpaid bloke of to balance bar do ad the Balance Tramfer Transaction Fee Finance Charges b the standard purchase transaction cabgory However, if the special rate has been emkskd under to Default Rate section, we leave the unpaid balance of to balance transfer and the Babnee Transfer Transaction Fee Finance Charges in the applicable balance transfer bansacton casgay u nil the special rate ward have expired. For TDD (Tdesmn WkSbos Device for the Duq Ana, piaae call 1.600.347-7449. Discover may monitor and/or record t ho" cats between you and Discover representatives for quality assurance purposes, The Dsaverr card s issued by Discover Banta, Member FDIC, OITBK171 New Balance Minimum Payment Du Account Number ending in 4075 DISCOVER $1,751.03 $152.00 Enter Amount Encbsed Bebw Payment Due Dole $ -1 January 22, 2010 Please make check payable Discover Card. Minimum payment due inekb xles a past due amount of 599.00. 23 SDSN6A01 0007663 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Ga papedess and make yauf account inf, tion more secure vriUt pasty-d- ppffotected statements only you can access. Learn more at discover comipaperless. PO BOX 71084 111 ... 11.11111 1111 If 911111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print charge in space InIrlln?urlrllnrlulrlurllllrnlnlulullulululr?nl? above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. 00000198645899966823501?510300000000015200 Discover More Card Account Summary Closing Date: December 23, 2009 page 1 of 1 Account number ending in 4075 Previous Balance $1,671.85 Payment Due Date January 22, 2010 Payments And Credits 0.00 Minimum Payment Due $152.00 Purchases + 39.00 Credit Limit $1,800.00 Cash Advances + 0.00 Credit Available $48.00 Balance Transfers + 0.00 Cash Credit Limit $900.00 Finance Charges + 40.18 Cash Credit Available $48.00 New Balance $1,751 03, You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbook Bonuse Opening Cashbock Bonus Balance $ 1.55 New Cashbook Bonus This Period + 0.00 Cashbadc Bonus Balance $ 1.55 Cashback RonusS Anniversary Month: December How Can We Het You? P I Visit Discaver corn to pay your bit for no asst, view r latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coll "00-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) we reverse side 3. Wr te us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions $0 Fraud liabirty Guarantee Use your Discover Card with confidence. D? Fed c Date Other/Mixellaneous Dec 23 Dec 23 LATE FEE $ 39.00 Information For You ... 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. SW ON Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee D bh P dic PERCENTAGE PERCENTAGE FINANCE FINANCE ? R o RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $39.41 0.07121% 25.99% F 25.99% $0.84 $0 Past Purchases $1651.78 0.07942% 28.99% F 28.99% $39.34 $0 Cosh Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card - plus FREE Shipping. Personalize gift cards with names and messages. Many have matching greeting cardsl Save through 12[31/09 - enter GIFT4 at DiscoverGiftCard.com frnportant 4damalian If there is more than one page to On WkV staternent. see to beck of each page for additional important information. Sae you Cl rdnernberAgraamaM. Your CardrnemberAgreement contains all the berms of your Account Lost or ortolan ands. Report immediately! Call 14"7.2683. Billing Righb Summary. in Case of Etas or Questions About Your BR: 0you thnk your bill is wrong, or it you need man iMnmtation about a transaction on you Id. write to us on a separate shed of paper at Discover, PO Box 30421. Sak Lake City, UT 64130-0421. as soon as possible. We must bear from you no bier ten 60 days after we sent you the Am bit on which the error or probtern appalled, You can telephone us, bid doing so will not preserve your rights. In you letter. give us the Wowing information: Your name and Account number The dollar arrant of the suspected error. Describe the error and eq W, if you can, why you believe tore is an am t you need more narration, describe the ilen you are unsure about . You do not have to pay arty amount in question while we are rwesligaling. but you are stil obligated In pay the parts of your bill that are not in question. While we investigate your question, we carnal report you as deloquent or take any action to called the amount you question. ptoblRu with rk Card you may I you to have a problem with pay the remaining like ahi doe or services flat you purchased wO a credit card and you have tried it good kin to cared onthe goads a servioes. You have fns pr, -Inn only wham eke pudmw price was more than S50 and the purchase was made in you hone smite or within 100 miles of your nailing address. (If we own or operate the meactu nt or t we maled you the acived'manrht for to goods or services. of purchases are covered regardless of the amount or location all 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 aul arms us to use nfamalion on your check b make an electronic lend transfer lrom you account at the tienclal ins6foilan indicaled on your check or to pmcess the payment as a died transaction. t payments processed as an electronic ki d transfer, the bander wig be for de amont d the dhedc. When we use sdmnaim berm yourdhedk b make an ehrdkenic fund trensle, funds may be wit dram from your account as soon as to same toy we receive your payment and you will not receive your deck beds from your financial irsasi dn. The processing of your payment maybe delayed Iyou send cash, corresponds ce of other items with your payment l you send lie payment to any other address or l you use an envelope ode tram like one provided. Payments received n proper form at our prooesskg faddy by 5PM local we on any day will be credited to your Aceo am as of to day. Payments received at out prooessag homy arm 5PM local we will be credited to your Account as of the murk day. It you have nv#aced your envelope, send youyapnwft Discover, PO Box 6103, Card, Stream, IL 60197-6103. Please stow 7-10 days for delivery. If you payment is retuned unpaid, we reserve be right to resubmit it as an electronic debit YOU an pay you m ommu m payment or a paler amount aver the Weplare, and you can set up aftradc payments. Cad us at 1-6110-347-2683. You will need fns statement and you bank amount information. You roust ensue that sufficient funds are available in you bank accent, add all transactors mst comply with U.S. law. You will be added to provide the first 5 digits of your account statement ZIP code. By enbrig dose numbers as your electronic signature, you will be agreeing to On authorization b allow Us and yaw ban* to deduct each payment you aMorue from your bank account and to satiate debt or aedil entries to you bad account, as applicable, to cared an era in de processing of such payment. You must tied us the amount of each payment or you can soled an amount such as the &&*ran Payment Due or the New Balrha on each statement. You can camod a payment however we rust receive notice al West three business days in advance of the sdnedded payment You may ra8y us by phone at 1-81J 17 26113 ortry mail at this access listed lei the previous paragraph t your payments vary in amount we will ley you on each monRty stalwart when you payment will be made and law much it will be. You a6mufc payment amount may be less than indicated on to monthly statement based on credits or paymens applied doing the bAN cede. Credo Reporting. We may report nfmnation about you acoaat to credit bureaus late payments, missed payments, or other delals on your account may be reflected in your aedl report. ft normally report the stabs and payment hslay of your Amount to credit reporting agencies each month. If you believe font our report is armcc oak or i¢arpkle, pease write us at de ldbwbg access: Discover, PO Box 15316. Wilmington. DE 19650.5316. Please include you nave, address, tame telephone number and Auoud raniber. Grata Period on Purchases (at least 25 dayak. Vk begin to impose Periodic Finance Charges on all transactions from the Transaction Date for lie' ", eeshown onyour bang statement mess a transaction s posted to your Account aft the dose of the bTxg period in which it occurs, in W urn case we begin to npose Paiodc Finace Charges on that transeclim had the liars t day of the bibg period in which d is posted to your Accomt We confirm to snpose Periodic Finance Charges mkh the date you pay you adke Nov Balance, by melarhg paymeds or receiving credits However, it you paid the New Balance on your previous big smih4ne t by the Payment Due Date shown on that big eidement and you pay Me New Balance by de Payment Due Dale on your current killing slammed, we will not repose Periodic Finance charges on new purchases, full is, purchases first appearing an de cutrerd Bing Moment. We cal fits te'grace period:' There is no grace period on balance transfers or cash advances. M1sdmnh Finance Charge. We will charge you a minimum FNANCE CHARGE of $.50 for any biting period in which Periods Finance Charges o (lass than 5.50 would cterwise be reposed. Annual Fee. If your Account has an annual fee, t will be bled at the beginning of each anniversary year yourAccaxd is open. The amount ride fee appears on the sti temerd when the fee is billed. The annual fee a not refundable unless you no* us that you wish to dose your Account within 30 days of the mailing or delivery date of the statement on which the be is stied. You will receive cis refund even t you use yaw Card fixing (ant period. Periodic Finance Charges. We sort your transactors into grails of purchases, cash advances, and balance traders and ben !artier sort the transacbms wain each group by their Annual Percentage Rate. For example, purchases subjed b a promotional rate and pudeses subject to a standard rake would be separate groups. We refs to two grapy as transaction categories. At the end of each billing period. we compute balaoes arid Pebdlo Finaae Charges for each day of the M" period for each trxesfon category life use the following equation to compute Periodic Fisarmce Charges for each transaction category. (Average Daily Balance) limes (days in btpg period) tees (Daly Periods Rate). (You may refer to to Porvnce charge sari ary on your bang slammed for decaamants.) Them we add up the Periodic Finace Charges for each transecl on eaaegay to gal the tomil Periodic Finance Charges for your Account The Average Daily Balerm is shown as zero t, (cause of the grace period. no Periodic France Charges apply to the balance in a "gym k4M33 We use the average Daly Baler= (including new trarsachans) method of calculating the bamirda upon wtich we impose Periodic Finance Charges. We comp ie fkeAveraga Daly Balance for each transaction category by addWg Up all the daily balaues in a bang period for a traeaction ategay and dNidi g de total by the amber of days n k he big pedod. We compute to daily balance for each transaction category on each day by first addling the following to lie previous deyls defy balance: trdnsadons will h a Tua sactun Oak of fiat day as shorn on your biting skkmenk, unless to transaction is puled b your Account after fie dose of fie big period in which I occurs, in which case like tntnsacI will be added to the daiy balance as of the fast day of die big period in which it is posted b your Account fees charged cat day and Periodic France Charges accrued an tee previous, days defy balance; and by ten subtracting any credits and payments that are applied against the balance dthe transaction akgory on that day. In alatapg lie dally balannce for Ih 69 day of the billing period, we consider the'previous day's dally balance" to have been your balance for each transaction category on the last day of your previous billing period. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which we added to the applicable cash advance transaction category and Balance Transfer Trasachon Fee Finance Charges which are added b the applicable balance tra ills - , 1 1 on alegory. When the special ram expres, me move the unpaid balance of the balance transfer and the Balsam Transfer Transaction Fee Finance Charges to the standard punctuate Immadion category However, if the special rate has been lennmated under the Default Hate section. we larva the unpaid balance of the balance taste and the Balance Tmahsfer Transaction Fee Finance Charges in to applicable balance transfer transaction category until to special rate would have expired. For TDD (TNeconmwniatorks DDWCI for the Deaf) assistance, pease al 14100.347.7449. Dsmver may mmifor andlor record telephone calls between you and Discover representatives for quality assurance exposes. The Discover` card is issued by Discover Bank. Member FDIC. OITBK171 New Balance Minimum Payment Due Account Number ending in 4075 DISCOVER $1,833.45 $207.00 Enter Amount Enclosed Below P?a?"?ennt Due Date $ 1- ''°r"?r 22.2010 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the ovedimit amount of $33.45. 23 SDSN6AD1 0007664 HIXSON, JOSEPH Go paperless and make your account information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Learn more atdiscovercornipaperless. PO BOX 71084 lllrrrllrrrrrl,l..Ilrrlslr) CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lrrirllnloil lfill ,nIII III rrrllllrnrlrIit III rllrrlrrIslip lrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458999668235018334500000000020700 Discover More Card Account Summary Closing Dabs: January 23, 2010 page 1 of 1 Account number ending in 4075 Payment Due Date February 22, 2010 Minimum Payment Due $207.00 Credit Limit $1,800.00 Credit Available $0.00 Cash Credit Limit $900.00 Cash Credit Available $0.00 Previous Balance $1,751.03 Payments And Credits 0.00 Purchases + 39.00 Cash Advances + 0.00 Balance Transfers + 0.00 FiwnaCharges + _ 43.42 New Balance = $1,83345____ __- You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ctuh6xk BonuSe Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback-9orw3V Ann"rsaty Month: December Cashback Bonus Balance $ 0.00 How Can We Help You? 1 Visit Discover cem to pay year bill for no cost. view your latest Account information, earn and redeem rmrwards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy Sol-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Cad, 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. TatteDas PDate 0dnr/Ni6celonsous Jan 23 Jan 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. gCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FRrIAMCE a nc Rates RATES RATES - CHARGE$_ CHARGES current billing period: 31 days Purchases $79.69 0.07121% 25.99% F 25.99% $1.76 $0 Past Purchases $1692.26 0.07942% 28.99% F 28.99% $41.66 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rated above. Impotent infanaaia? t tyre s more than one page to this big statement, see the back of each page for additional important nbnnabon. Sae yam CardhnevalmAgree ant. Your CardmenArAgreement contains all the terms of your Account Lost or shien cards. Report inmeftlelyl Cal 1-600.347-260. Billing Rights Summary. in Case of Errors or Questions About Your Bill: 6 you thfrhk your bill is wrong, or f you need more inbrnalion abed a transaction on your bi, write to us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake Oily, UT 64130-0121. as soon as possible. We must ham from you no later then 60 days alter we sea you to fist b6 on which the error or problem appeared. You can telephone us, bur doing so will not preserve you rights. In your later. give us the following inform ion: You name and Account number The dollar amount of the suspected anon. Describe the error and explain, f you can, why you believe there is an enc. t you need more intonation, describe the ilerh you are unsure about. You do net have to pay ary amount in question whie we are iwestgaft but you are all 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 b ooled the annout you qurestion. Special Rub 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 fain to coned the problern with the madamt you may not have to pay ate remaining amount due on the goods or services. You have this protection only when the pudase pace was acre than $50 and the purchase was made in your hams state or within 100 miles of your mailing address. (t we own or operate to mere aK or 4 we mailed you the advisement 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 hits statement in the envelope provided. Do rot send rash. By sending your dhedk as dmcrbed above. you aulhorim us to use intimation on your rchedk to make an ebckorw knd transfer from you &= rd at Ihefnahcal Institution indicated on you made or to process the payment as a rdreck transaction. t payment is proossse, as an electronic and transfer, the transfer will be for the amour of the creek V*m we use nkannafan from your dark b malkean deckoniciu d kamder, hails may be witlicirawn from your account as soon as the same day we receive you payment, and you of not receive yo r check back from you financial trslnticn. The processing of your paymerd maybe delayed K you send cash. correspondence or oft Items wide your payment, f you send the paynnent to any other address or lyou use an envelope other than the one provided. Payments received in proper form at our pressing fao'hlyr by 99 local time, on any day will be aedted to your Acco rt as of tut day. Payments tecewadatout procasskg faciltyate5Pkl local time will be credited to your Account asd the next day. 9 you pane misplaced your envelops, sand your paymnt to Discover, PO 8% 6103, Card, Stream, k 60197.6103. Please crow 7-10 days for delivery, t your payment is resumed unpad, we reserve to right to resubmit t as an electronic debit. You can pay your minimum payment or a grealer amount over the telephone, and you can set up auloratlc paymerft Cal us all 1-800.347-2663. You will need In staementt and your back account mbmabon. You must ensure thel sulleet knds are avelable in your bank amount and all transactions nest aanply with U.& law. You will be added to provide the kat 5 digits of your account statement ZIP code. By entering those rsrnhers as your alectrow signature, you will be agreeing to this alltOi aiDA to allow us and your bars to deduct each p8pwd youauthaime ken you brio amwK and to male ddM a aedi entices b yarbm* amour, as applicable, b wO an main the processing dsuih payment. You must tellus the amorf d each payment or you can select an amou a such as the Motown Payment Due orthe Now Balance on each statement. You can cancel a payment; towbver we nest receive notice at best has business days in advance of the scheduled payment You may ndily us by phone at 144347-2683 or by mail at the ad assa lulled in this previous paragraph. t your payments ray in waK we will ell you on each monthly statement when your payment will be made and how muck kwil be. Your mAnaatc panned amount may be less tan Indicated on to monthly stalerned based on credits or payments applied drag the billing cycle. Credit Repatrg. We may report idamatbn abort you account to a" bureaus. Late payments, rinsed paymenl% or other defaults on your accout raw be valected in you crem report We normally repot too" and payment history d yawAccount to call newth agen desadn monk b you believe that our report s inaeaumate or ihcorrnplela, please write us at the blowing address: Discover. PO Box 15316. Whniglon. DE 19 45316. Place include your nerrhe, address. home telephone number and Account number. Grace Paaod on Prrehaaas (at beat 25 days} We begin b impose Periodic Fnarhoe Charges anal transactions from the Transaction Doe fa the fransactarh as elowh en your bing slalenet, uteri a trarsac9, is posted b y=Accant ahem dw dosed the Wg period n witch t Oars, n i ich cm we begn b knpom Feriodc Faeroe pprges on that baneactim tom the fistday d tie billing period in which t is posted In yourAoearl. We continue to impose Periodic Finance Charges until the dab you pay yoraft New Balance, by matting tiny nerds orreceivithg credits. Nowewe. f you pad this New Bda ice on yam previous tlilYhhg swlenwrt by ore Payment Ohre Dale shown onto biig staft w and you rosy the New Balance by the Payment Due Dale on your current big statement we wart not repose Periods Fnanoe Charges an new purchases, that is, puchsses fist appearing on the arrant billing stalennsit ft cal the; do *grace period "There is no grace period on balance tarsiers or cash advances. OnImum Finance Charga. We will charge you a minimum FWWE CHARGE of 5.50 for any big period in which Periodic Finance Charges d less than 5.50 weld otherwise be imposed. Annual Fur. If your Account has an annual fee, f will be billed at the beginning of each ari iwerseryyear yorrAruarl is open. The arrant of the lie appears an the Shalemnevt wlhan the lie is billed. The annual fee is not refunifable unless you natty us than you wish to dose yourMnent within 30 days d the mding or delivery date of the staleaert on which the be is billed. You will receive this raked even if you use you Card doing that period. Periodic Finanu Charges. We son you transactions trdo groups of puduases, cash advances. and balance Irarslers and than further sort the kansadoi s w" each group by their Annual Percentage Rate. For example, p rduses subject to a promotional rate and purchases WOO to a standard raw wait be separate grails. We refer to lose grails as transaction categories. At the and death burg period. we axtpule balances and Periodic Fnmoe Charges for each day of the piling period for each banseaim category . V% hose the hckwwirg equatron to compub Peiodc France Charges for each transaction category. (Average Daily Balance) times (days in billing period) tines (Daily Periodic Rant). (You may refer to the finance charge stranary on your luting satenhemd for these amounts.) Then we add up to Periodic Finance Charges for each transaction cawgay b gar the toW Periodic France Charges for yo rAcaunt. The Average (ally Balance is shown as zero f, because of the grace period, no Periodic Frace C oaasa?q? ?s{?ps?,? 3 har9es apply to the helarhce ina We A aa?De7y Balance (including new tansactiors) method dcalc ling the balance upon which we impose periodic Faeroe (barges. We con" the Average Daily Betake fa ado tansecdan category by adding hp all the daily balances in a billing period for a transactim calegay and dividing the burl by is number of days in to big paW. We compute the daffy balance for each trarsactionn category an each day by fiat adding the, fo6awirg to the previous days daffy balance: transactions weth a Traneacbm Dab of to day as shown on your hdithe list day of the billing period in ng sWernerl unless she transaction o s pi tad to your to Account after the dose of to bung perod in which it ooars, in which case the transaction will be added the daily balance as and by then subtracting any credits and payments that hie yaw Account, fees charged that day and Periodic Riumm Charges accrued an the previous day's daily balance; to big period, we consider the applied against the balance of tie trarsadim category on that day n cWmb g the daft' betake farts fist day d *previous days daily balenca' to lave ban your balance for each transaction category on the last day of your previous burg peiod. Al fees charged to your Amoral are added to the standard purchase traneadlm category with the exception of Cash Advance Transaction Fee Finance Charges thick are added to the applicable ash advance transaction category and Balance Transkr Transaction Free Fiance Charges which am added to the applicable balance holder transaction category. When the special raw 6WM, we move the unpaid balance of the balance transfer and the Balance Trader Transaction Fee Fnanae Charges to the standard pucate transaction category . However, f the special rate has been terminated under the Default Raw sectim, we lave the unpaid balance of to balance transfer and the Balance Transfer Transaction Fee France Charges in la applicable balance transfer transaction category until the special rate would have expired. For TOD (Teleconenrmicato s Device for the Dead assistance, please cal 1400.317-7116. Discover may monpbr andbr reecd leMphone calls between you and Discover representatives for quality assurance purposes. The Discover' card is ssmed by Dswver Bank. Member FDIC. OITBK171 New Balance DISCOVER Minimum Payment Due Account Number ending in 4075 $1,917.82 $265.00 Enter Amount Enclosed Below __ Payment Due Date $ March 22, 2010 Please make check payable to Discover Card. h hl h f t e mont y You are overlimit. Pay t e sum o minimum payment plus the overlimit amours of $117.82. 23 SDSNSA01 0007665 JOSEPH HIXSON Go paperless and make your account , Information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 Loam more at discovercomiPpsperless. PO BOX 71084 111 1111Isrrrrlslsrllrrlslrt CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? IN loll rrlm1rllnrirrINIrnr11l1nrlrlrinl1111111rnlrlrII Go to www.Discovercom or print change in space above. 000001986458999668235019178200000000026500 vary 23, 2010 page 1 of 2 vpemng gate: JOnuary L4, Au to ii-mmng hats: reD Discover More Card Account Summary Account number ending in 4075 Previous Balance $1,833.45 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 finance Charges + 45.37 Other Fees t + 39.00 New Balance 1.917.82 See Finance Charge Summary secti on following transactions for detailed APR information Credit line $1,800.00 Credit tine Available _$0.001 Cash Advance Credit Line $900.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transaction detail for a description of arry fees Cashbook BonuSe Anniversary Month December Opening Cashback Bonus Balance $ 1.55 New Cashback Bonus This Period + 0.00 Redeemed This Period 1.55 Cashbook Bonus Balance $ 0.00 To leom more, log in ai www.Disco~.com and wk-cn Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Discwmr.com 2. Call 1-8004DISCOVER (1-800.347-2683 Please hove your Discover® card avoikoble. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) e8t S please call 1-800.347-7449. 84'r Payment Infonmation New Balance Minimum Payment Due* Payment Due Date *Includes past due amount of $207.00 $1.917.82 $265.00 March 22, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a kite fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay mom in interest and it will take you longer to pay off your balance. For example: au pad :. Only the minimum 22 years $7,151 payment If you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.aom Access free online tools like Paydown Planner to create a pion b down your balance, securely access statements, pay bills online and easily hack ON transactions Make your money worth moreSM -find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Trans. Post Dab Date odw/Miscellaneous Feb 22 Feb 22 LATE FEE 39.00 See reverse side. DISC*VEIZ Important Information. If there is more than one page to this billing statement. see In back of each page for additional important information. See yaw Cordmamber Agreement. Your Cardmernber Agneerneol contains all the terms of your Account. Lod or slogan cards. Report irnmedalelyl. Cal 1141110-W-26113. Biding Rights Summary. In Case of Ems or Questions Mat Your BA: 0 you think your bill is wrong, or if you need more iMomration abort a transaction on your biz, write b us on a separate sheet of paper at Discover, PO Bon 30421, Sal Lake City, UT 841304421, as soon as possible. We must hear from you no later than 60 days after we sat you the fast bill on Mich the error or problem appeared. You can telephone us. but doing so will not preserve your torts. In your letter, give us the ktAowing i fonrrelion: Yaw name and Account umber. The dollar amount of the suspected error. Describe the error and explain, it you can, wl,y you believe there, a an error. l you need more information, describe to item you are unsure about You do not have to pay any atcurnt in question while we are investigating, tut you are still obligated to pay the parts of your bill Mat are not in question. While we investigate your question. we cannot report you as delinquent of take any action to collect the amount you question. Special Rub for Credit Card Purchases: l you have a problem with the quality of gam or services Mat you purchase l with a credit card, and you have tied in good faith to cared the problem with the merchant you may rot have lo pay to remaining amount de on the goads or senrio You have this protection only when to Purchase price was more than $50 and the purchase was made in your hone state or withal 100 mites of your melting address. (t we awn or operate the merchant or if we mailed you Me advertisement for to goods or services, all purchases are covered regal of the amond or location of purchase,) Payments. Send only your payment and the top pow o (ft statement in the envelope provided. Do not send cash. By sending your check as described above, you autoize us to use mama ton on your deck lo make an electronic find tansler from your accent at the financial institution indicated on your dredk or to process the payment as a check transaction. t payment is processed as an electronic find transfer, the transfer will be for the arrant OF the check. When we use kdormation from your check to make an electronic hid transfer, funds may be widhdawn from your account as wan as the same day we receive your payment and you will not receive your deck back from your financial imHnon. The processing of your payment may be delayed if you said cash, correspondence or other dens with your payment, if you send the payment to any other address ort yw use art envelope o0w than the one provided. Payments received in proper form at our processing facility by SPM total time on any day will be credted to yourAaawq as of that day. Payments received atour processing fratdyalW SPM local %mewAbe credited to yaw Accounl as d the text day. t you have misplaced your envelope, send your period to Discover, PO Box 6103, Card Steam, IL 601976103. Please allow 7-10 days for delivery. l yow payment is returned unpaid, we reserve the nit to resubmit it as an electronic debit. You can pay your minnxwn payment or a greater amount over the Wephone, and you can set up automatic payments. Cal us at 14a347-2683. You will reed this statement and your bank account Infom abon. You must ensue that sufficient leads are available in yaw bank acm ut, and all transactions mast comply with U.S. low. You will be asked to provide the first 5 digits of your amount statement ZIP code. By entering those numbers as your electrons signature, you will be agreeing to this atMaiaalan to allow us and you bank to deduct each payment you aWarae from your bank account and to Militate debit of credit entries to your bank amount as applicable, b comet an error in the processing of such payment. You must tell us de amount of each payment or you can select an amount such as The Minimum Payment Due or to New Balance on each statement. You can carrot a payment however tie must receive notice at least tlree business days in advance of the scheduled payment. You may no* us by phone at 1-BW-347-2683 of by mall at the address listed in the previous paragraph. If your payments vary in amount we will tek you on each monthly stater ent when your payment will be made and how much it will be. Your automatic payrrot amend may be less than ndic" on fire rnontty statement based on credits or payments applied during to bill g cycle. Credit Reporting. We may report information about yo rAmoerd to aedd bureaus. Late payments, missed payments. or other defaults on you Accost may be reflected in you credit report. We kwmtaly report the stabs and payment lislary of yourAmo nt to credit reporting agencies each math. If you belem that our report a namuate or #wa t**, please write us at the blowing address: Discover. PO Box 15316. IKdrrimgbn. DE 19M5316. Please include your marine. address, home telephone number and Account number. Grace Period on Purchases (at lead 25 days). We begin to impose Periodic Finance Changes on all transactions from the Transaction Date for the transaction shown on your billing statement unless a tansaclo n is posted to your Account offer the dose of the being period in which d occurs, in which case we begin to impose Periodic France Charges on that transaction from ft first day of On biting period in which 4 a posed lo your Amount. We continue to impose Periodic France Charges until to date you pay your entire New Balance shown on your bring statement by making payments or rece+mg credit. However, l you paid the New Balance on you previous filing stalerr nt by the Parrot Due pee shown on that biting statement we will rot mpose Periodic France Charges an new purchases. Mat is, purchases first appearing on the current burg statement or any portion of a new purchase, pad by the Payment Due Date on yaw current bldg statement We cell this the 'grace period.' There is no grace period on balance battlers or cash advances. As more fully described in the section of yaw Cardmember Agreement tided -How We Apply Payments; we generally apply payments to your Amount based on the Annual Percentage Rate applicable to the balance of each transaction category. This mess Mal l you do not pay the New Balance on the current b&V statement by the Payment Due Dale shown on that biting statement than, deperdig on to amount of your payment and the Annual Percentage Rams on War balances. you may not get a grace period on new purchases. Minimum Finance Charge. We nil charge you a minaswn FNANCE CHARGE of $ 50 for any biting period in which Periodic Finance Chagas of less Man 530 would otherwise be imposed. Annual Fee. It your Account has an annual fee. n will be bitted at the beginning of each anniversary year you Account is open. The amount of the fee appears on the sbteme d when the fee is billed. The annual fee is not refundable unless you notify us that you wish to dose your Amount w" 30 days of the mailing or delivery date of the statemert on which the fee is biped. You will receive this rekmd even d you use your Card during that period- Perfodie Finance Charges. We sat your transactions into groups of purchases. cash advances, and balance traders and than further sat the transactions within each group by their Annual Percentage Rate. For example, purchases subed to a promotional rate and purchases sublet b a standard rate would be separate gmups. Vk refer to lose groups as transaction categories. At the end death bhfng period, we compute balances and Periodic Finance Charges for each day of the bung period for each transaction kite" We use the tdbwig equation to compute Periodic France Charges for each transaction category: (Average Daly Balance) Imes (days in biting period) tees (Daly Period c Ram). Yw may ice Charge Summary on your ddkg statement for these amounts. Than we add up one Pedodc Finance Charges for each transaction category to gat the total Periodic France Chagos for your Amount The Average Daly Balance's shown as zoo 4, because of fie grace period, no Periodic Finance Charges apply el the balance in a transaction stager The Daily Periodic Rate ts 10651h of the corresponding Annual Percentage Rate. We use the Average Daly Balance (including new transactions) matod of calculating the balance upon which we impose Period c Finance Charges. We compute the Average Daily Balance for each tradachon armory by adding up at the daily balances in a biln0 period for a transaction caegory and dividing the total by the number of days in the ding period. We compute the daily balance for each transaction category on each day by first adding the following b the previous day's daily balace: transactions will a Transaction Date of owl day as shown on your bang slalement unless fie transaction is posted to your Account after the dose of the ding period in which it occurs, in which case the transaction will be added to the daily balance as of the lest day of the billing period in which n is posted b your Account, fees charged that day and Periodic Finance Charges accrued an the previous day's daily balance; and by ten subtracting any credits and payments Mat are applied against the balance of the transaction category on that day. In caladat nil to daily balance for the first day of the bWM pedod. we consider the'premm days daily balance to have been you balance for each transar5on category on the kdt day of your previous bring period. At fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee France Charges which are added b the applicable cash advance transaction category and Balance Transfer Transaction Fee France Charges which are added to to applicable balance transfer transaction category , For TW (Telecommunications Device for the Oesq assobwo, pkme cal 14MU7--7444. Discover may monitor and/or rend telephone raps between you and Discover representatives for quality assurance purposes. CM10 The D smver' card is issued by Discover Bank, Member FDIC PA0210 DISCOVER pop 10 HIXSON, JOSEPH DISCYER Account number ending in 4075 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PBtCEMAGE P9RCENTAGE FINANCE FINANCE current billing period: 31 days Balances Rates RATES RATES WARM CHARGES Purchases $120.89 0.07121% 25.99% 25.99% $2.67 $0 Post Purchases $1,734.42 0.07942% 28.99% 28.99% $42.70 $0 Cash Advances $0 0.07942% 28.99% 28.99% $0 $0 V = Variable Rate Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. 8458833 Questions? Visit www.D6cover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER 8458833 New Balance ! Minimum Payment Due! Account Number ending in 4075 DISCOVER $1,999.55 $323.00 Enter Amount Enclosed Below Payment Due Date $ 1- April22, 2010 Pose make check payable to Discover Card. Minimum payment due includes a past due amount of $265.00. 23 SDSN6A010007666 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercomfpaperktss. PO BOX 71084 (Ilrnrll"rnrlrlrrll"I'I'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone charge? Inlnllnnlnhlhllnhlulnlurllllnrlulnlnllnlulnlrlnll Go to www.Discovwxom or print change in space above. 000001986458999668235019995500000000032300 Openinq Date: February 24, 2010 - Closing Dale: March 23, 2010 Discover More Card Account Summary Account number ending in 4075 Previous Balance $1,917.82 Payments And Credits 0.00 Purchases + 0.00 Baance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 42.73 Other Fees t + 39.00 New Balonce 1,999.55 See Finance Charge Summary section following transactions for detailed APR information Credit Line $1,800.00 Credit -Line Available $0.00 Cash Advance Credit Line $900.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic finance Charges, see the reverse side for details. t See transaction detail for a description of any fees Coshback Bonuse Anniversary Month December Opening Cashbook Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0.00 Cashback Berms Balance $ 0.00 To leorn more, log in of www.Disco~.coM and select Rewards Payment Information New Balance $1,999.55 Minimum Payment Due' $323.00 Payment Due Date April 22, 2010 *Includes past due amount of $265.00 tab Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a We fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 29.99% variable. Minknum Payment Waning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: m. 00 ?m sttetl i>StaTCatrEit ?rh! tng IbiiF arlkt Mnert&? erlnnrtpxdlotalol Only the minimum 22 years $7,348 payment If you would like information about credit counseling services, call 1-800-347.1121 page 1 of 2 3 Easy Ways to Contact Us Manage Your Account Online at www.06cover.com 1 Access your account securely at www.Disc~.com Access free online tools like Paydown Planner to create a plan 2. Call 1-8004)ISCOVER (1-800-347.2683) to pay down your balance, securely access statements, pay - Please have your Discover& cord availablebills online and easily track all transadions 3. Write to us at Discover, PO Box 30943, Make your money worth more sm-find easy ways to earn Sak Lake City, UT 84130 and redeem cash rewards For TDD (telecommunications Device for the Deal) NEW[ Access your account securely through your assistance, please call 1.800.347-7449. mobile phone Transactions TDaft Post Date Other/Miscellaneous Mar 23 Mar 23 LATE FEE 39.00 See reverse side. DISC*VEI Important Informatiom if there is more than one page to this bilkrg statement, see to back of each page for additional important mfonnamon. U) See your Cw4member Agreement. Your Cardmwnber Agreemad coritaiins; all the terms of your Account. Z in Lost or stolen cards. Report immediately! Cog 1.6tt34T-2663. o Biting Right Swtnhey. in Case W Errors or Questions Mad Yea Bill: 0you think your bill is wrong, or it you need more information about a transaction on your bill, wale b us on a g separate sheet of paper at Discover, PO Bar 30421, Sale Lake City, UT 84130-0421, as soon as possible. We must hear from you no Wer dman 60 days after vue sent you the fast bill on o which the error or problem appeared. You can telephone us, but doing so will not preserve you rights. In your kilter. give us the following information: Your name and Account number. Oh The dollar amourd of the suspected error n Describe the error and emplam, if you can, why you believe doe is an error, t you need more Information. describe the item you are unsure about. x You do not have to pay any amount in question wide we are nvesligalag, but you are still obligated to pay the pads of yaw bl that are not in question. Wlde we iwestgale your question, we cannW report you as delinquent or take any adios to coped the amount you question. Special Rule for Credit Card Purchases: d you have a problem with the quality W goods or services that you purchased with, a credit card. and you have tried in good fade b caned the problem with the merchant you may not have to pay the remaniif emaerd due on the goods or services. You have In protection only when the purchase price was more than $50 and the pndhase was made in your home state or within 100 miles of your mating address. (If we own or operate the merchant or it we mailed you the adherlaemerd for to goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion o (this statement in the envelope provided Do nil send cash. By sending your check as described above, you authorize us to use i famaiah on your check to malice an elecromc fund transfer from your account at In finanria institution indicated on your deck or to process the payment as a died transaction. N payment is processed as an electronic fund transfer, the transfer will be for Ine avant of the check. When we use information from your check to make an elecMnic card transfer, funds may be withdrawn from your account as soon as the same day we receive you payment, and you will not receive your check back from your financial insailim The promsig of you payment may be delayed if you send cash, correspondence, a 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 receved in proper form at our processing tedhy by 5PM kcal time on any day will be credited to you Account as of treat day Payments received at or processing bckyafer 5PM"lime will be credited to yo rAccount as of the next day If you have msp)aced your envelope. send youryayrngd.lo Discoret PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. t your payment is retuned unpaid, we reserve Ie right to resubmit it as an electronic d" You can pay your mmimaan payment our a greater amount over time telephone. and you can set up automatic payments. Cal us at 1-800-347-2683. You will need this statement and your bare amount information. You must ensue that sufficient kinds are available in your bank acmurd, and all traxsadlons must campy with U.S. law. You will be asked to provide the first 5 digits of your axeunt satemem ZrP code. By entering dose numbers as your electronic signailm you will be agreeing to this authorization to allow us and yourbw* to deduct each payment you authorize from you bank account. and to mdse debit or credit entries to your bank accoum as applicable, tocorred an error in time processing of such papnecit. You mast tell us the amourd of each pays ierd or you can select an amount such as the Mnmim Payment Due or the New Balance on each statement. You can caved a payment however we must receive notice at least tree business days in advance of the scheduled payment You may natty us by phone at 1 -800-347-2683 or by mail at the address tsled it the previous paragraph. If your payments very in amount, we will tell you on each mow" statement when your payment will be made and how much it will be. Your autormatc payment amount may be less than Indicated at the mor" statement based on credds or payments applied during the billing cycle. Credit Rportng. We may report information about your Account to credit bureaus. Late payments, missed payments. or oiler delaUlts an your Account may be reflected in you credit report . We normally report the stabs and payment history of your Account to aed reporting agencies each month, t you believe that our repot is inaccurate or incomplete, please write us at the following address: Discover, PO Box IW16. Wilmington, DE 19650.5316. Please include your name, address, home telephone number arid Acoourt ember. Gres Period on Pwchaes (at 1w125 days} We begin to impose Periodic Firharim Chagas an all Iansactos from the Trarsactiah Date for the transaction shown on yaw billing statement, unless a transaction is posted to your Account after the dose of the blig period in which it tors. in which case we begin to impose Periodic Finance Charges of that transaction from the first day of the biting period in which h is posted to you Arrant. We mhbeue to impose Periodic Finance Charges until the data you pay your entire New Balance shown on your biting statement by making payments or receiving credits. However, it you pad the New Balance on your previous biting staleirent by the Payment Due Date showrh on that biting statement we will not impose Periodic Finance Charges on new purchases. that is. purchases fast appearing on the current biting statement, or any portion of a new purchase, paid by the Payment Due Dale on you current bilking stalaneM. We cal this te'grace period.. There is no grace period an balance transfers or cash advances. As more fully described in the section of you Cardime berAgreement Wd'How WeAppty Payments.' we generally apply payments to yourAcco unt based on IheAnnal Percentage Rate applicable to the balance of each transaction category . This means that 9 your do not pay the New Balance on the arrant billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances. you may not get a grace period on new pudrases. Mhuirean Finehce Charge. We will O ge you a m inl num FINANCE CHARGE of 5.50 for any billing period in which Periodic France Charges of less than $.50 would otrerwise be imposed. Annual Fee. t your Account has an annual fee, it Of be bled at the beginning of each anniversary year your Account is open. The amount of the fee appears an the stakem ent when the tee o biked. The anual lee is not rekmdable uraess you notify us that you wish to close your Account within 30 days of the making or delivery date of the statement on which the fee is billed. You will receive Its refund even r you use you Card dun" that period Periodic FYurto Charges. We sod your transactions kilo groups of purdrees, cash advances, and balance tracers and therh further sort the transactions whin each group by meirAmual Percentage Rate. For example, purchases sugect to a promotional rate and purchases subject b a standard rate would be separate groups. V% refer to these groups as tasacbm categories. At the end of each billing peiod, we compute balances and Periodic Finance Changes laeach day of the biting period for each transaction category. Vk use the lotbwieg equation to compute Periodic Finance Charges for each transaction category. (Average Daily Bill-) limes (days in billing period) tines (Daily Penodhc Rale). You ma m{l' Chop Summary on your biting statement for these amours. Then we add up the Peiodic Finance Chagas for each transaction category to get the total Periodic Finance Chagas for your Account. The Avenge Daly Balance is shown as zero it, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is 11365th of the corresponding Annual Percentage Rate. We use the Average Daily Balance (including new transactions) method of ralmlafing the balance upon wlidh we impose Periodic Finance Charges. We computes the Average Daly Balance for each transaction category by adding up all the daily balances in a billing period for a trasa ton category and dividing the total by tte amber of days it to bllfng period. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Tani satiate Date of that day as shown on your billing statement unless the transaction is posted to your Accent after the dose of the biting period in which it occurs, in w4idh cow time kasi ctm will be added to pie daily balance as of the first day of the billing period in which 4 is posted to your Account. fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance: ard by then subtracting arty credits and payments that are applied against the balance of the transaction category on that day. in rdadating the daily ballet ce for to fist day of the biting period, we consider te'previous days daily balanee'to have been yaw balarrn breach transaction category on the last day of your previous billing period. A I fees charged to your Aaarht are added to the standard purchase tra sayionh category with de exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction calgay and Balance Transfer Trans"m Fee Finance Charges which are added to be aWicab a balance transfer transaction category. For TM (ydsoommhnications Device for the Deaf) assistance, plgse call 1->mt347.7449. Discover may monitor ardor rand telephone cats between you and Discover representatives for quality assurance purposes. ©2010 The Discwer* card is issued by Discover Bank, Member FDIC PA0210 DISCOVER t I C HlxsoN, JOSEPH Account number ending in 4075 l O-V E page 2 of 2 Finance Charge Summary Nominal Other Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE MANGE FINANCE current billing period: 28 days Bolonces Rates RATES RATES CHARGES CHARGES Purchases $162.83 0.07121% 25.99% 25.99% $3.25 $0 Past Perdases $1,775.51 0.07942% 28.99% 28.99% $39.48 $0 Cash Advances $0 0.07942% 2899% 2899% $0 $0 V - Variable Rate Information For You * * * ATTENTION * * * Your account is seriously post due. Payment of the amount due and arrangements for future payments should be made immediately. 8458833 QUeStlonS? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347.2683). DISCOVER 8458833 New Balance I ER C Minimum Payment Due I Account Number ending in 4075 $2,087.83 D OV S $386.00 Enter Amount Enclosed Below Payment Due Date a May 22, 2010 Please make cheek payable to Discover Card. Minimum payment der incksdes o past der h d amount of 5323.00. P intemat one ai e ms must be made by 5:OOpm ET for some paym 23 SDSN6A01 0007667 pp oo - HIXSON, JOSEPH pp$ a andmakeyouraccount information more secure with password- 917 THORNTON DR protected statements only you can access. MECHANICSBURG PA 17055-5752 eammore atdiscoverconv*perless. PO BOX 71084 Illrrrllrrarrlrlrrllrrlrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? I I Ilr,lnululla,rlnlrlnullllnnlulula,llulnlrslulrall Go to www.DiKover.com or print change in space above. rr r 000001986458999668235020878300000000038600 Opening Date: March 24, 2010 - Uosing Dab: I Discover More Card Account Summary Account number ending in 4075 Previous Balance $1,999.55 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 49.28 Other Fees t + 39.00 New Balance 2,087.83 See Finance Charge Summary section following transactions for detailed APR information Credit line $1,800.00 Credit Line Available $0.00- Cash Advance Credit line $900.00 Cash Advance Credit Line Availab6 $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transaction detail for a description of any fees Cashback Bonus' Anniversary Month December Opening Cashback Bonus Balance $ 0.00 New Coshbock Bonus This Period + 0.00 CosMmk Bonus Balance $ 0.00 To learn more, log in at www.Wnaowr aaM and $e6cl Rewards 23, 2010 page 1 of 2 Payment Information New Balance $2,087.83 Minimum Payment Due* $386.00 Payment Due Date May 22, 2010 *Includes past der amount of $323.00 Late Payment Woming: IF we do not receive your minimum payment by the date listed above, you may have to pay a kite fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it wil take you longer to pay off your balance. For example: +rsxriBpnjrhaif .:.. »d ,. ::: fSpk9>t?lfi . ttik Only the minimum 23 years $7,536 payment If you would like information about credit counseling services, call 1-800-347-1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Di cover.com 1 Access your account securely at www.Discovwxam Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER (1-800.347-2683) Please have your Discover® card available. b pay down your balance, securely access sidememfs, pay bi9s ordine and easily track all transactions 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 Make your money worth moresm-find easy ways to cam and redeem cash rewards For TDD (Telecommunications Device for the Deaf) NEWT Access your account securely through your assistance, please call 1-800.347-7449. '" mobile, phone 84588 Transactions Trans. Post Date Odwr/Miscellaneous Apr 22 Apr 22 LATE FEE $ 39.00 See reverse side. Vfe O ER Important Information. If there is more than one page to this tti8ng statement, see the back of each page for additional important information. CAI See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of you Account z Lost or stolen cards. Report imnediatelyl Call 1400.347.2683. rn o Billing Rights Summary. In Case d Enos or Questions About Your BA: t you think your bill Is wrong. or if you need more inkxmalion about a transaction on your bill. write to us on a c separate street of paper at Discover, PO Box 30421. Sat Lake City, UT 84130-0421. as soon as possible. We must hear from you no later than 60 days after we sent you the list bA an °o which tie error or problem appeared. You can telephone us. but doing so will not preserve your rights. In your letter. give us the khtowing informatiar. Your name and Account number. V The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe themes an error. If you need more information, describe the tem you are unsure about. 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 bit that are not in question. W I& the investigate your question, we cannot report you as delinquent or take any action to colled the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services Mal you purchased W& a credit card, and you have tried in good kilt to correct the problem with tie merchant. you may not have to pay the remaining amount due on the goods or services. You have the protection only when the purchase price was more Can $50 and die purchase was made in your home state or within 100 miles of your mailiq address. (t we own or operate the merchant, or f we mailed you the adventsement for the goods or services: at purchases are covered regardless of the amount or location of purchase.) Payments. Send a ly you payment and the top portion of this statement n 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 fwd transfer kom your account at the financial nst Wtcn indicated on your check or to process the payment as a check transaction. It payment is processed as an ekcbonic tund transfer, the transfer will. be for the amount of the check. When we use allormifoh from your check to make an eledmnc kind transfer. funds may be withdrawn from you accent as soon as the sane day we receive you payment, and you will not receive you check back from your fnancal institution. The processing of your payment may be delayed it you send cash, correspondence or other fens with your payment, 0 you sand the payment to any other address or it you use an envelope other am the one provided Payments received in proper form atour processing facility, by 5PM"time on any day will be credited to yourACmu t as o (OW day. Payments -received dour processahg la7My alter SPM kcal time will be credled to your Account-as of the next day. It you have misplaced y" envelope. send your payment to Discover, PO am 6103, Card Stream, IL 601978103. Please allow 7-10 days for delivery. It your payment is returned unpaid, we reserve the night to resubmit 0 as an electronic debit You can pay you mirimum payment or a greater amount over the telephone, and you can set up automatic payments. Cat hs at 1-8W347-2683. You will need ft serf and your bank account ntormalien. You must owe that sulfident funds are available in your bank account, and all transactions must ociply with U.S. law You whit be asked to provide the ist 5 dgb of you account statement ZIP node. By enteing those numbers as your eWW k signature, you wO be agreeing to this authorization m allow us and yaw bar* to deduel each payment you authorize lean your bank account. and to nitale debt or credit entries to you bank account as applicable. to correct an error in ft processing at such Perot. You must tell us the amount of each payment or you can select an amount such as the Mini m Payment Due or the New Balance an 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 nobly us by phone at 1800-347-2683 or by mail at the address tiefed in the previous paragraph. If your payments vary in amount, we will let you on each monthly statement when you payment will be made and how much t Val be. Your automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied dying the billing cycle. Credit Reporting. We may report information about your Account to credd bureaus. Late payments, missed payrrnerfs, mother data & on your Account may be reflected in your credit report. We normally repot the status and payment history of your Account to credit reporting agencies each month. t you believe lhal our report is inaccurate or incomfilele, please write us at the following address: Discover, PO Box 15316, Wlkrington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days} f41e begin to impose Periodic Finance Charges on all transactions kom the Transaction Data for the bansackm shown on your biting statement, uniess a transaction is posted to you Account after the dose of the biting period in which 0 occurs, in which case vie begin to impose Periodic Finance Charges on do trdnsackon from the first day of the bi" period in which 0's posted to your Atxxxrd. We continue to impose Periodic Finance Charges until the date you pay your erne New Balance sthaMt on your biting statement by making payments or receiving rxedes. However, if you paid the New Balance on your previous toting statement by the Payment Due Date shown on that billing statement. we will not impose Periodic Finance Charges on new purchases, that is, purchases full appearing on the current biting statement, or any portion of a new purchase. pad by the Payment Due Dale on your current billing statement We cat this tre'giace period. There is no grace period an balance transfers or cash advances. As more Wily described in the section of your Cardmember Agreement bled 'How We Apply Payments;' we gerheraty apply payments to your Account based on the Mahal Percentage Rate applicable to the balance of each transaction category. This means that 8 you do not pay the New Balance on the mown biting statement by the Payment Due Date shown on that biting statement, then, depending on the amount d your payment and the Annual Percentage Rates on other balances. you may not gel a grace period on new purchases. kOnimum Finance Charge. We will charge you a minimum FWANCE CHARGE of S.50 let any billing period in which Periodic Finance Charges of less than $.50 would otherwise be med. Annual Fee. K your Account has an annual fee, it will be billed at Be beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the lie is billed. The annual fee is not refundable uniess you notify us Mal you wish to close Vow Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even f you use your Card during tray period. Periofic Finance Charges. We sort you transactions into groups of purchases, cash advances, and balance transfers and tan further sal the transaction within each grail by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard race would be sepaata groups. We refer to these groups as transaction categories. Al the end of each biting period, me compute balances and Periodic Finance Charges for each day of the bong period for each transaction category. We use the following equation to compute Periodic Finance Charges for each bansariien category: y Balance) times (days in biting perod) trees (Daily Periodic Rate). (Average D al Q ? = You ma Charge Summary on your biting statement for these amounts. Then we add up the Periodic Finance Charges for each transaction category to get the trial Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero 0, because of dw grace period, no Periodic Finance Charges apply to the balance in a transaction category The Daily Perodic Rate is 11365th of the corresponding Annual Percentage Rate. We use the Average Daily Balance including new transactions) method of ratwlafng the balance upon which we impose Periodic Finance Charges. Vie compute the Average Daily Balance for each transaction category by adding tip all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing period. We compule t* dairy balance for each transaction category on each day by first adding ft following to Me previous day's daily balance: trasacAas with a Transaction Date of that day as shown on yea biting statement. unless the transaction is paled to you Account alter the dose of ft bung period in which it occurs, in which case the transaction will be added to the dally balance as of the first day of the billing period in which i is pasted to your Account, fees charged that day and Periodic Finance Charges accrued on tte previous day's daily balance: and by then subtracting any cremes and payments that are applied against the balance of ft transaction category an that day. In calculating be daily baknoe f r the feat day of tie billing period, we consider the'pevious days daily balance to have been your balance for each transaction category on dhe last day of your previous billing period. All fees charged to your Account are added to the standard purchase transaction category wth the exceptim of Cash Advance Transaction Fee Finance Charges stitch are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer trarsadon category. For TDO (Telecommunications Devine for the Deiq assistance, please call 1400347-7449. Discover may monitor and/or record telephone tails between you and Discover representatives for quality assurance purposes- 02010 The Discover card is issued by Discover Bank, Member FDIC PA0210 DISCOVER It P to HIXSON, JOSEPH DISCOVER Account number ending in 4075 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Dail' Periodic PERCENTAGE PERCENTAGE FNANCE FNJANCE current billing period: 31 days Balances Rates RATES RATES CHARM CHARGES Purchases $205.71 0.07121% 25.99% 25.99% $4.54 s0 Past Purchases $1,817.58 0.07942% 28.99% 28.99% $44.74 $0 Cash Advances $0 0.07942% 28.99% 28.99% $0 SO V - Variable Rate Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be mode immediately. 8458833 Questions? Visit www.Discover.com or call 1-800-DISCOVER 11-800-347-2683). DISC*VER 8458833 New Balance DISCOVER Minimum Payment Due Account Number ending in 4075 $2,176.53 $451.00 Enter Amount Enclosed Below Payment Due Date $ June 22, 2010 Please make check gable to Discover Card. l P h f h hl You are over imit. ay t e sum o t e mont y minimum payment pkn the averlimit amount of $376.53. 23 SDSN6A010007668 JOSEPH HIXSON Go paperlessand make your account , a more secure word- 917 THORNTON DR e only y pr you can can access. statements MECHANICSBURG PA 17055-5752 Learn more at discovercontfpaperless. PO BOX 71084 IllnslluBillie llrrIJII CHARLOTTE NC 28272-1084 Address, e-mail or telephone change;! I I Ilnlnrlhllrhtln r nrllllnrluln nllnlulnlrlnll Go to www.Disc~.com or print change in space above. 000001986458999668235021765300000000045100 Opening Date: April 24, 2010 Closing Dale: May 23, 2010 Discover More Card Account Summary Account number ending in 4075 Previous Balance $2,087.83 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 49.70 Other Fees t + 39.00 New Balance 2,176.53 See Finance Charge Summary section following transactions for detailed APR information Payment Information New Balance Minimum Payment Due* Payment Due Date *Includes past due amount of $386.00 I N L $2,176.53 5451.00 June 22, 2010 Lab Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 29.99;G variable. Minimum Paymhent Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Credit line $1,800.00 Credit Lino Available $0.00 Cash Advance Credit Line $900.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. I Only the minimum 23 years I $7,728 I payment I tSee transaction detail for a description of arty fees Cashbock Bonuse Anniversary Month December Opening Cashback Bonus Balance 5 0.00 New Coshbock Bonus This Period + 0.00 Coslnback Bonus Balance 5 0.00 To loam nave, log in al veww.Discowr.cont and select Rewards If you would like information about credit counseling services, call 1-800347-1121 3 Easy Ways to Contact Us Mange Your Account Online at www.Discover.com 1 Access your account securely at wwwb6cw4ar com Access free online tools like Paydown Planner to create a plan 2. Call 1-8004DISCOVER (1-800.347.2683 Please have your Discovers card available. to pay down your balance, securely access statements; Fray bills online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Salt L Cit UT 84130 k Make yotw money worth morew-find easy ways to earn a y, e and redeem cash rewards For TDD (Telecommunications Device for the Deaf) NEWT Access your account securely through your assistance, please call 1$00.347-7449. D I lSAnn mobile 1.','L^ ne vv Transactions Trans. Post Dale Dais Other/Miscellaneous May 22 May 22 LATE FEE 3 39.00 See reverse side. DISCOVER important Information. t there is more than one page to this billing statement, see the back of each page for additional important information . CO) 0 See your Cadmember AginamenL your CerdrnernberAgredneM contact all the terms of your Account co z Lost or stolen cards. Report armed ately! Call 1.1100.347.1663. > 0 Bing Rights Summary. In Case of Enron; or Questions About You MR: t you think your bill is wrong, or if you need more intimation about a transaction on your bill, wile 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 must her from you no later Man 60 days after we sent you the Est bill on °o which the error or problem appeared. You can telephone us, but doing so will not {reserve your rights. In your letter, give us to following information: v ' Your name and Account number , S The dollar amount of the suspected error. on Describe the error and explain, 8 you can, why you believe two is an ena. If you creed more information, describe the item you are unsure abed. x You do not have to pay any amount in question while wti are nv stigatvng, but you are stiff obligated to pay the parts of your bill fiat are not in question. labile we kweskjaie your question, we cannot report you as ddrquent our take any action to cclec the amount you gtresbon. Special Rule for Credit Cad Purchases: H you have a problem with the quality of goods or services that you purchased with a acct card, and you have tied in good Win b correct the problem with Be hmerlon[ you may not have b pay the remain" amou f due m the goods or services. You have this pnotaction only when to pucase price was mine than $50 and the purchase was made in your hone stale or within 100 miles of you naffing address. (t we own or operate to merchant, or twe marled you the advertisement for this goods or services, all purchases are covered regardless of the amount or location of pumchase) Payments Send only your payment and the top portion of this statement in to envelope provided. Do not send cash. By sending your ced as described above, you agonize is to use ntarmaticn on your deck to rrrAe an electronic fund transfer from your amount at to financial nskili n indicated on your deck a b process the paynerut as a deck rasactim. t payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. Men we use information nom you deck to make an eliadninic cad transfer. hinds may be withdrawn from you account as soon as the same day we receive your payment. and you will not receive your died back nom your f wxw instluAgn. The processing of your payment maybe delayed if you send cash, corresponds ceor other tens with your payment. t you send to payment to any other aufdmess a l you use an envelope other Man to one provided. Payments received in proper forma our processing fadity by 5PM local brie on any day will be credited b yourAccasd as of that day Payments recemA at our processing facility after 5PM feral time will be credited to yourAcco rd as of eherext day. If you have misplaced your envelope, send yam payment b Discover PO Box 6103, Cad Stream. IL 60197&103. Please allow 7-10 days fu delivery. If your payment's retunred unpaid, we reserve the rot b resubmit h as an elecrorac debt. You can pay your minimum payment or a grealer amount over the telephone, and you can set up adomatie payments. Cal us al 1.800.347-2683. You will need this statement and your tank account information. You must ensure that shttident furls are available in your bank aoccent, and al transactions mat comply with u.s. law You will be asled to provide the first 5 digits of you account statement ZIP code. By entering those niu bens as your electronic signature, you will be agreeing to this aAermahon to aim is and your bg* to dedmd each payment you aul onze barn your bank account and to Made debtor credit entries to your bank account, as applicable, tow. ed an emgr n Me process it d such psymerr. You must tell us the amount of each payment or you can select an anoint such as the tdinimum Paymat Die or the New Balance on each statement. You can cancel a payment boweva we must receive notice at bast three business days in advance of the whoduled payment You may ngty us by phone at 1800-347-2683 or by mail at the address listed it the previous paragraph. If your payments vary in amount, we will tell you on each monthly starxnadwAen yam payment wit be made and tow much t wig be. Your ahubrnatnc payment amoud may be less than indicated on the monthly statement based on credits or payments applied d rkg the billing cycle. Credit Reporting. We may report information about your Accent to creM bureaus. Late payments, missed payments, or other defaults on your Account may be retecled in your credit report. We normally report the stalls and payment hstory of your Accont to credit reporting agencies each month. t you believe tat or report is nacmrde or into plats, please write us at the following address: Discover. PO Box 15316. Wilirglon, DE 19850-5316. Please node your name, address. borne telephone number and Accord raarber. Grace Period on Purchases (at lest 25 days), We begin to impose Periodic Finance Charges an all transactions from the TfansarSon Date for the transaction shown on your boring statement, unless a transaction is posted to your Account after the dose of the bulling periods which it occurs, in which case we bags to impose Periodic Finaoe Charges on gulf transaction ran to fast day d to biting period in which h is posted to you Account- We confirm to impose Periodic Finance Chages until the date you pay yaw retire l4ew Balance shown m your billing statement by making payments or recerving credits. However, it you paid lie New Balance on you previous blhhg statement by ere Payned Due Delis shown an that billing statement. we will not repose Periodic Finance Charges on new purchases, that is, purchases W appearing on the current Bing statement or any portion of a new purchase. pad by the Payment Due Dale on your current billing statement. We cat has the 'grace period." There is no grace period on balance rarskrs or cash advances. As more fully described in to section of your CardmemberAgreement tited'How We Apply Payments:' we generally apply payments to your Account based on ere Annual Peaoadage Rafe applicable to the balance of each transaction category. This means Mal it you do not pay the New Balance on to anent billing stalanad by the Payment Due Dole storm on tall billing statement, ten, depending on Ite amount of you paynnent and theAnnual Percentage Rates on other balances. you may not gel a grace period on new ptrduases. Mink man Finance Charge. We wit charge you a minis m FINABLE CHARGE of t.50 for any billing period it which Periodic Finance Changes of less than $51) would glamorise be imposed. Annual Fee. If your Account has an annual fee, .1411 be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on to statement when the its is brfled. The annual fee is nd refundable unless you ratify us that you :rush to CIM your Account vdthn 30 days of the mating or delivery date of the stakmeo on which the feeis billed. You will receive this refund even it you use your Card during that period. Periodic Finance Charges. We sort your transacfims into grails of purdnases, cash advances, and balance translers and Men further sat the raisactols w him each grail by their Annual Percentage Rate. For example, purchases subject to a prrnlotional rate and purchases subjed to a standard robe ward be separate gmups. tie refer to tMe wave as transaction cafego ies. At tle end deacr tiling period, we compute balances and Periodic Finance Charges for each day of the bang period for each transaction category. YYe use the following equation to conpule Periodic Finance Charges for each transaction category: (Average Daly L B?alapnce) lanes (days in Ming penod) times (Dairy Pedmdec Rabe). ?maA4&m$'Ww Charge Summary on your bill statement for these amounts. Then we add up the Periodic Finance Ctsages for each tralsaciglh caleawy b get the Periodic Rnanoe Charges for yourAccamt. The Average Daly Balance is shorn as zero t, because of Me grace period, no Periodic Finance Charges applyb the balance in a transaction category . The Daily Periodic Rats is tr3651h d the corresponding Annual Percentage Rate. We use McAverage Doty Balance (including new transactions) method of calculating the bafaroe upon which we repose Periodic Finance Charges. We compule theAwenage Daly Balance for each transac6an category by adding up all the daily balances in a biting period for a Inansarbm category and dividing; We MU by the numbs of days in this ring prod. We compute the daily balance for each transaction category on each day by IN adding th blowing to to previous day's daily, balance: transactions *0 a Trarsacion pale of that day as shown an you biting statement, unless the transaction is posted to your Amount after to dose of the big period in which it occurs, in which case the rased' wit be added to the duty balance asd the rest day d the tM6g period in which Nis posted b yourAco trK toes charged tat day and Periodic From Charges accred on the p dayrs dailly balance: and by then subtracting any creft and payments that are applied against 1* balance d the transaction raleMon that day n cWmAating le daffy balance for lire fast day d the biting period, we consider the -previous days daily balance' if, have been yaw balance for each transaction category on the last day of your previous big period. All fees charged b your Account are added to the standard purchase transaction caegay 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 b the applcable balance transfer rarsadm calegory. For TDD (Telecommunications Device for the Deaf) assistance, please cat 1800.34'7.7449. Discover may mortar and/or retard telephone cats between you and Discmw representatives for quality assurance purposes. 02010 The Disco card is issued by Discover Bank. Member FDIC PA0210 DISCOVER It pays ro HIXSON, JOSEPH Account number ending in 4075 DI?C?VEI?_ page 2 of 2 Finance Charge Summary Average ? h current billing period: 30 days Ba nces Purchases $249.63 Past Purchases $1,862.12 Cash Advances $0 V m Variable Rate 8458833 Nominal Other Daily ANNUAL ANNUAL Periodic Fee is PERCCEENTAGE PE CSNTAGE FMIANCE FNANCE Rates ? RATES C"AM a CHARGES CHARGES 0.07121% 25.99% $5.33 $0 0.07942% 28.99% 28.999'0 544.37 $0 0.07942% 28.99% $0 $0 25.99% 28.99% QU@StIOnS? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER y 0 a 0 0 0 0 v m x v 8458833 DISCOVER s"o lance s 95 X P°'n°M Payment Due Date June 28, 2010 31 SDSNWi 0000593 JOSEPH HIXSON 917 THORNTON DR MECHANICSBURG PA 17055-5752 Account Number ending in 4075 Enter Amount Encbssd Bebw I Go paperless and make your accourd v tornre0on more secure with password. ceprdected statements only you can access. LL m more at discover con9paperiess. PO BOX 6103 ???•••??•••••??••••??•??••? CAROL STREAM IL 60197-6103 Address, email o telephone changet ch •llullnuulllrlulnnlrlleunlllluurllrlluurllulnll Go to vvww.Dleeaveream or print change in space above. 000001986458999668235000000000000000049500 Aming Dab: May 24, 2010 - Closing Data: Discover More Card Account Summary number ending in 4075 , 2010 page I of 1 Payment Information New Balance $0.00 Minimum Payment Due $495.00 Payment Due Dale June 28, 2010 hale Payment Warming If vve do not neeiw your minimum poyrnernt by 1M dale hated above, you may have to pay a We les of up to $39.00 and your purchase APRs for new tramactions may increased up to the Default APR of 29.99% variable. 31 Previous Balance $2,176.53 Payments And Credits 2,176.53 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance (ages + 0.00 Other Fees t + 0.00 New See Finance Charge Summary section folbwing transactions for detailed APR information Credit Line $1,800.00 Credit Une Available $0.00 Cash Advance Credit Line $900.00 Cash Advance Credit Line Available $0.00 t see transaction detail for a description of any Fees Anniversary Month December Opening Cashbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0,00 Codnback laws balaKe $ 0.00 To loan more, leg in an www-Discover wn and sakes Rewards Mataga Your AaO WA* Only at wwwM6cov*r.cotn Sscur* occess sla lements and free ornlne too6, Pay bile online and track and view al transactions simply and easily fired easy ways to cam M06 yotw money and redeem Cash rds NEW Aeons your account securely through your mob phone 3 Easy Wags to Contact Us 1. Access your aCWW* seaU* at W W WMieoeser.oem 2. Cal 1-80001SCOVER (1.800.347-26831 Please have your Discovere cad availabis. 3. Wrile to us al Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (telecommunication Device for the Deal) assistance, please cal 1-800347-7449. Transactions o r Dab Payments and Credits May 31 May 31 INTERNAL CHARGE-OFT -2,176.53 Finance Charge Summary a Nominal Odr currant billing period: 9 days g ' R m RA RATES amm QM 3 $0 0.07121% 25.99% 25.99% _ $0 .Cosh Advonee: $0 $0 0.07942% 28.99% 28.99% $0 $0 V = Variable Rate 0.07942% 28.99% 28.99% $0 $0 DWWEff ntpalat kdwmd oar Ibee is we ban one page blab bOV etalantent see to back deadn page to Wdil cake) apataa ittarmakon. coo S"yorr CadmwnbaAprtmdrt Your CabmanberAgieement contane all the term of yea Aom rt z Lod or sbhe cards. Report inmeddlalyl Call 1408'34Tdtiti3. c mg Rib ownrawlt in Cased Enos a OtuenkedAbout Your Bl. K you tint your bill is wrap, a k 1a need more olomdon abet a ba eacbm on yourbi, wile bus on a separate shad of paper atDiscover, POBoax30421,SatLake Ck%Ur841300421,aswakaepossible.WemusthemnmyoumWerthen 60days derwrandyealMidbim g W*A do anon or problem appeared. You can telephone us, but ddng so wi not pwerve you nghte. In your tetler, gm us the lelostrg bdamalm: N • Your naneandAccaontanter • Thedderarrnutdrieadpecimlow.. • Ducrbe to error and a plat0. f you can, My you believe berm bar era I you need morairddrnaaon, deacibe fie kern you are umue abort a YoudonilhavebpayanyennoudinqueabmvtiswtarekneaHaig,butyouaresddApWbpayIkepartdyour bill that arenatnquslbn WhIewhrwrdtgaleyour gjev m, *e ca net-niPu?you as debquenlor We ay-aelm le called the amotrt you question. Special Rile ter COACard Pudamss:I you have a prtlam vtih bar quatly d goods or se name riot you purdmaxl wMn a aedlcard, ad you have tried bgoW bit boated to p oWm wit to naadard, you may nil haw to pay fe eessr g woo stdue m be goods oraervica. You have to prabrAm only Wes be pudme p ice ms more fun $50 and fa pudkmvm made n yo r hone stabs win 100 miss dyour nha ft address. (I waoen a operate fe nwchat. or I war mend you to x1mr1hen ed fo fa goods or series, al purchases areooveed ttrgadess dlhe aranuta bdorn d paeddsej Papsento. Sad only yaw paynne t a d treioppabon of M stalwa t in beerwelope pooled Do not send cash. By sadng yo r dddc as deaaibed aborg you atMoem to usekdansionon fdiedkbmakeandamnicbndbardarkanyoraccount atbekiarxidineft infteledmyoudredkor bprooassbepayo daadedk kareacbm. I paytoe t is poomeW as an eladbanc krd bander, to a nab wi be la to arrest of to deck Yahan we use I donla ken yorche* to make an aleclrric bad tranelB, krtds may be weWram km your amount as soon at to smas day we receive you payment, arA you well not receive your deck bads km you bwoc d kallubw The p oval g of you pay ned may be, cloyed I you sad caah, ootrtepadace of other lma wn your payrneK f you send ix paynwt b any aba addict OF I you me an mrrtapa altr fan to card powla0. Payrvwhb tedaived n poWbm d o rpommg bcity by SPM loud) `nor onaaq dy wi be awed b yawAaart n dtidtdW.. Papm* r dw5PM bd lime vvi be aedied b yarAmoud as d lid neA day. k your tdva rrrkplaoed yam envdape, sad you papnat bDieooka. PO Boo e in bclt d d r i g y ou proo a rece ve 6103, Card Shrean. It. 601974103. Pleme Am 7-10 days for dskvay tyourp ynne t le rekmed unpA wa reserve to right b resttnil k ss an eleekaie debt Ycu an pay you mkintrn payme l a a geeaamnmtaer the>dephote aid you can ad up adomtic payndn& Calm at 14W U7-T603. You vi riled bar ddmwt and your bank amount wOwmafon. You must own fill mAde d f rele are avalahle In you bank acceu t, and a tra eafnne vaudompywia U.& lams You "be a" to proridefre fed 5 3gtb d youraoorted ddarned ZP coda By enlakg hoes nrrten as yahurdectronie shgabre, you wi be ageekg b bb mtobdion b slow us and ywrbai bdedtrd eah paym d you adhnlm ken yam bank aomnt, and bstV bde4ta c" edrlas byourbadk amouK are appkabla, b emedan aw ki fa pr eowng dweh pepra t You and lad is fie amountd tact payment or you can selerlan amotrd eoA as fa lvlnimnh Paynwn Do tube New Balance on each atabmeti You an cared a payment hooves va mdreown notice at Wall tiree nakm dap in a6emoe of toss ad led peyrawk You may nay us by phone a 1400.3(7-2603 or by real at to ad6em k led in the prevnm on each MM" Stelae ON your payrnant vA be madasrd how much k wl be Your auloneic palnant arttout may PMWBL n r , 3b or p*nwa applied dukg cycle. n wed on ft off" statement bwW a be tea f CreA Repor9 9 We m i report kto nation atndyarAmM looe& bursae. Lab paperas, rimed papsheda. orcaber debuts onyourAmoran rmyr berefecbd in your aeda aurns d 3 tt 8SM16. Please kKk your name addresa, borne Wephate manner and Acaotrt ranter. 16 WIlriiglom DE 1 us at to following aftew. Discover. PO Box 5 Grace Period on Pacers (al Ind 25 days) We begin b impose Pam& Fnarce Chagas and Weacloa kom fa Tra eackn DO for fekama foe shows on your Ding 1, P ,nth wimakaaaclmispogWbyourAcoustakafadmedlebikgpemdinW"Ioom a,nWickanwebeenbkrpceePerio*FswtaeCMgmontut taaadon from Is ykst day of lad big period in which It is pceddb your Amont V%coobw b repose Peak Fsdnoe Ovargm will on dote you pay you aloe Now Batace mown on yon big staftma by a *%pepnade or rooaivog csdie. However, I you pall to New Bob" an your prenom b*q statement by fa Paprwt DA Dweahown on ladb*getalairo - vovMnotipoeePrriodcFeenceawgueon werpu limas,lade,purdweeI*apposigon tocuntbifrgdat, - - or any portion of arow prdtase, pad byte PaymieaDmOsson yarwntbWg -lalant4 lNeaibb be*pmpe iod' Thee b nogracepwW cn bWomkwafas sash ad omm Asnmm aduy apply papnans b perAmount based onbeMnd PboetageRale P nwb *we ylaA A tftd So l d b i d C i , g pp W nret greana w y on yor w feydewdW nthe eac a apA' - blidbalancedeadhYa lick care" ivarth-, ebdfpadonotpaytoNewBaWmontorznatbigstabwibythePaymedDueDabshownonlWbbg dalanan, then, depenft on to canes d your papnentahd ft Annual Peroetage Rats on other balances, you may to get a grace pencil on newp tch ace. Wtnasn Fimmaee Chaga Yk vi charge you a nkiru t FWJICE CHARGE d 5S0 or wry Bing peiod in witch Ralodc Finance Chagas of less tan $.50=M alatwbe be i powd Iheetatenhara wnheo Una Anm&W Fel. Iyar A,mW sue an mtwe lie, kvti be blW d the beginwg death a n0 asay yea you Acoaat b open. The around fefee appears on be a bled. The annual be is nil rekrdahk smolt you no* w #wl you wish b dose yoarAnoont wain 30 days d fns rnaing ordWvery dale d be stalerad an wtnich to fee is baled. You vd nnswa n rdxW aver I you use your Cad drag lad pond ParlOdC Flan Cbwgm flier sat yaw karaaciora wiopmpt d pddset, cadr adwndet, and balace kaa(as and fan bona sou to tra eacfors dtir each group by lheirAnnuelPoartageRals.Farewanpla,prchweeaulodbapromotionaltale adpuichamsttpdbastandardrate would beseparate gnnpt.Wendabft eegapsas traneakiion alegorles. At the end deah big panel, we we" balances and Powolc France Chagas loeach day d lie big pwW fa each tra eacfm category We we be (otowkg egralon b oomp le Pabdic Finance Charges for each Wereacion category: (Ara B lanes (days in big period) knee (Daily Perio6c Rale). You may tder to be FkwwChaga Sunntayr on your bOng slalananafa Most ansu le. Than we add up to Perb6c Fktarce Cbagae for each >ndsbn cdegsy b got fa old Paiotlc Fiance Chagas for your Adcoaa. TheAvaage Day Balance b shown at zoo K became dte grace prod. no Pedotic Pmts Charges apply b Me belatce in a kaaadon catlegoy. The Daly Paiokc Raba IM M of ft tnndponig Annual Fhacentage Rde- V%use bekowage Daly Beane ptckadirg raw karsactoa) raRaud dc*W*g fa balance wm winch we Wane Pefodc France Chagas. We compile feAverage Day Beane oaeach traaerI cWpey by oddity up all fa ddyr beatcea in a billing pail d for a Irmeweken cdagay and Qtatirg ft total by fie neater of rays n be baling perod. Weoartprtafed*balance for each karawbanabgoryon each daybyfkdaddkgfiefabwingbfaprwomdaftdaily balance:Ireraark i wilhaTtanarhmDelechat day asdrownmyourtilling staleness,anextoWaneadonle pmWtoyour Aeoartdartodamdbebigprndnwhichkomn,nMich easetakaaac.. Mbeadded b to day balance as of bar fist day of the big period in Wwch kis poeled to yourAmount, fete doped lruday and Peb3c Fiancee l7nagac anted on Ica pwvidd ubytt day balance; and by tan stttradkg ay twills and paprats bad are applied aganat fa bdwce d M trad86tnn calegoryonfait dgm. n alotafng to der Demos ler to Bat day of roe bffng pielod. we ce>aider to •pevbm dey'e day balaneb tsars bum yaw balance la each Vaardnn alagay on to list day d yam pia bing psiod• AIfwadopedbyaarAccoutweaddedbteassitI, purchasebareae1 cdepaywitIheeacepfondCwhAdracaTraaadkmFeeRome Chagasad"are addedbtie' alocable ads advance Isaac-1 at" end Balance Tea tlr Tint eackon Fee Fnaee p+agee winch areadded to the appkable balahCe bade ketaadolh category. FarTi1D(Flelvoww akabodDarksforfvsOsal)arlalarh,plant"cab1-100317-74K Discover may nnailor'andlar retard blephme ale bdwem you and DIamoor repaeser afvee for quality assurance purposes. WOW The MxovW card is baud by D'bww Bard, Mwkw FDIC PA0210 DISCOVER N Balance Minimum Payment Due Account Number ending in 4075 $495.00 Enter Amount Enclosed Below Payment Due Date $ June 28, 2010 31 SDSNW1 0000593 JOSEPH HIXSON 917 THORNTON DR MECHANICSBURG PA 17055-5752 , 2010 PO BOX 6103 ?I?us??nnslleuslla?lul Address, e-mail or telephone CAROL STREAM IL 60197-6103 Go b wvvw.Dlecever.cs wom a print oprint t 6??ulluuu?Ilniu?unlal?uud???uunllJluue?lniu?l change in space above. 000001486458999668235000000000000000049500 Opening Date: May 24, 2010 - Cbsing Dale: Mar 31 Discover More Card Account Summary Account number ending in 4075 Previous Balance $2,176.53 Payments And Credits - 2,176.53 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finar, Charges + 0.00 Other Fees t + 0.00 Now Balonc* .00 See Finance Charge Summary section fallowing kansochons for detailed APR inli m alion Credit Line $1,800.00 Credit Line Available $0.00 Cash Advance Credit Line $900.00 Cash Advance Credit Lino Available $0.00 t See transaction detail for a description of any fee: charged. ••••••••' Anniversary Math December Opaaing Cashbadc Bonus Balonce $ 0.00 New Cashback Bonus This Period + 0.00 :Bonus Balance $ 0.00 To learn more, tog in at wwwMiswverxens and soled Rewards Go Pqxwlm and make your account irdbrmaabn more secure with pmeword- Leam more denwft ononly you can ac om. Amooopeoless. s1of1 Payment Inform ition New Balance $0.00 Minimum Payment Due $495.00 Paymet Due Dole June 28, 2010 Lab Pay -d Warning: If we do not receive your minimum payment by the date listed above, you may hem to pay a We fee of up to $39.00 and your purchase APRs for new hansadions may be incased up to the De(ault APR of -- 29.99% variable. Manage Your Account Odin at www.D6cuvw com Securely access statements and free a I tools, pay bills odine and hack and view all transadions simply and easily Make your money worth moresm-find easy ways to cam and red"m cosh rewards NEW Access your account secu ly #-ugh your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at wwwNuarver cam 2. Cal 14004DISCOVER 11-804347-26831 Please have you Discover* card available, 3. Write to us at Discover, PO Box 30943, Sak Lake City, UT 84130 For TDD (Telecommunications Device for the pear assistance, please call 1$00347-7449. Transactions Tra" Post Payanesnts and Glob May 31 May 31 INTERNAL CHARGE-OFF $ 2,176.53 Finance Charge Summary current billing period: 8 days Average Da ly $0 Cash Advasees ;0 V - Variable Rd* Nominal 016 Daffy ANNUAL ANNUAL Periodic Fee Periodic PEKEWAGE PERCEIN TAGE FIM Rd" RATES RATES ? 0.07121% 25.99% 25.99% $0 50 0.07942% 28.99% 28.99% 50 $0 0.07942% 28.99% 28.99% 50 $0 Z-019 reverse side. D _ _ WIZ iapmlaat kbnmdwL I mere is more fm one Page to this big slaternent sea the back of each page for addaorml irportat nbreatim. Sae Yaw CardmanberAereanect Your CarthieeilwApeemeM axhmks all fie teats of your Awarnt Lost or sblm cards. Repod snmedaleyl Cal 14WM7-2U3. e?te ? sheetdpow atDscom,POBox304221,,S ?a6lakeCity;UT64130)421, as sssamas possible. rest hear km ?youmm Wer n 60 dip Aff we sent tyyouIhehatleian x which to arnar or proM m appeared. You can lelephma us, but doing sows nol preserve yaw nghls. in you tether, give us the Umq idomadon: a • YownanemdAmotaKn tuber. w • The ddwr armM of the wepecled mor. • Describe to am and explain, I you cm why you believe bare is an error. I you reed more idomafm describe to Tam you are urmm abohd. You do ad tonbpayanyanakrtinclueafmwhile weareOvesliga!4butyouaesilobligated bpaytheparts of yarbifntwenot in question. Whilem kwesft* Your Washoa.we mnolraport you as d*Qmt or tale any aclon b called le anetsdyou Wesdort. Special Rule for Out Card Phwdaaas: lyou have a problem wile Te qA* d goods or smvm Nil you phwdmW vAk h a omBcard, and you have tied in good Ocln b coned t e pmblaa witht e naded, you may rot have b pay le remafrq enact due on 6he goods or services. You have fns probcion orfy when le pure ass pros w as mare Nan $50 and to pmdmevm aerie n your home stale orwithin 100 miss dyer nWM address. (f we own or operalel emmded, err 7we mated you to advubmawnt for le goods a sauces, al pmdhases we cohered regardless of fhe arreut or toafon of padume.) Pepmals. Sad arty Mr Wpwt aW to lap por im d tae 3Mmwt n tie awekpe pmvidW. Dowd send hash By sending yo rchect as described above, you a 0mm ere b usebkmvafonoreyowdedkbmakeanebawkledtaebrtomyouraooanrtatThe*wKWiWW=ndcaledmyour dedtabprocessthepeymwtmadheditargad, . T peymed a processed s ec deNOno taW trarefa, the tarefarahi be fur's errtorut d the deck When we use infarnakorh tam yardhedt b male an ebhianetmd baebr, kasds may be wadi m tone yea aocomt as wm n the same day we nerve your papnat, aW you wl nd receive yowdedk back tam yarbandat fob" The processeq d you fwymrd may bdsbyed f you mad cash caraspandaoa err else Iona with yaurpaymhant Tyau mend the pyshar b seyr aTw addax err I you use an anvsbpeWer Nan ft one provided P%"bb reserved in pops term alas, wossairg molt by 5PM bat Ym on achy &y wi be aeAbd b yarArraataedlW day Paymens raoeivad al our poowaaq bcllyr agar SPM bcal Imo vat becredwd bymrAcemd as d ie nerd day I yes have niepI yaw a milopa, send yaw palmaAi b oisoorec PO Bee 6100, Card SYsem, t 90187$103. Please allow 7-10 days for daktery. I your pwpnW is rehashed mpald, we reserve to right ionwAYl T as an ebctmte debt You can pay you niiorm palamd or a gFealer amour over to biepla w, and you can set up atAarmkc paymats. Call us al 1400317.2683 You wl need In smlaababl ad yaw barlammdinfarmI YoumusterauetWoulicedGaonareavaia6binymba*amoutLahddbarearioraauetoanplywilhU.S.bumYou wlbeadaidbpafdefeiat 5dtbdyeaeaolatstalanrtZPoode.Byanbrtgfossmaim asyaweIx r I,signoras,youvmlbaragreeing loft aa/redmlmbdowusandyarbedkbdedudeach paynatyoua*umetomyoubankamouKxndbiAewdMarcoM 11,sbyoubw*mDou{asappkmWburredanamntepoasiigdsuchpwI 'Youmet let to the amount of each payment or you can seed an maw akdr as Oe diem Patna d On or the How Balance vin each smlared. You an,cranks' a paymaat; however we metraaeivenofoeatNOlives bxkmmdays nadvaimdtieodakdedpaywat.Youmayno*usbyphone at14W347-2883or bymatattoadI TtledinlepsNoras I , graphs. I your payrnabs way in amour, wewl Id you on each nanny ambmat when your payment wU be made ad hoe mach it wl be. Yaw as zwk paynad anout may be leasthan ihnlcabd m /e nnwMty slelnrbeM bored m raeds orpaymens appled du rq fe broil cycs. Credit Raposfrvg WeracyrepodidomatonaboutyourAaarttoawUmreae.Labpaymahs rtiesedpaymats,orothardefaismyarAcmnlarybehdecbdnyeacredal mporLWenar aftreportfed*macrdpayrnatNstrydyarAmmdbae*mMrogagencieseachma& Iyoubeleve/afarreport isnacCrewariaallpble,pleasewrite us atte b MWng ed I Dscom. PO Born 15316, Wiviglm. DE 19850.5316. Plem buide your name, address, Mme bkplow number and Aomhud onber. Grace Period on Prduses (at beat 25 days) ft begin b tires Perkdc Finance Chagas on al to sacfaa born Nor Traaafm Dais for tie tarmacbm shhom an your broil sblemabt caress 8, 1 aaacon s pooled b purAmmt ilea to doe dTebig paled n wWch i acaas, n vAidh casewe begin b bnpose PeriodicFierce Chagas m tat lransadlarh tam the igdayd tie WhV perod in vtach i is postedb yo rAmoat %cordYwre b mpose Pww* Finm Omega urbY to dale you pay yaw afro New Babna shmm on yaw bft sbbrrad by maldrq paymanm a recant aadw. tbvr . d you paid the New Basncem yor prewous big dd m M by Ir Pap, Ours Dab shown an Get bit hammed, we vA rel bnpoee Periodic Fnanoe Cfages on new pudmes. VW is, p icha es fret app oing m to cared bl%stalen%K or may porlm d a new purchase, paid by to Payment Ore Dale on yoramrd bit suWnnt ft al his I be Vace period.' There b no grace pewd an Mama hreasI a acv adarsr. As core bydnmWintomse II dyawCadm&rAwAgreenentOWGleeWeAppyPaymabs'wmgww*applyp n bsbyawAoooudbasedmomhndPaadageRob applablebtaeretraceBeachbmmdbnralegory.Thisrnmo Gel TyoudondpaytoNew Belemmfaawrdbfirtiaenhe IbythePapratDa00alohamNaltiling ammrreM,Nat.depm tanthemoutdyour peymatedtheknWPematageReams mWwrbiases,youmayndgdagrace periodanhawpudaaes. ISdnumFtumaChugs. Wewill dwgeyouarthmunFBIANCECHARM ofSSkwarty blingpeodmwhich PerickH amChugesBlessfanS.50wouldolwwbebe Aanwl Fea f ymrAcmimi Ire an arahual be, Iwl be bid at tie begirvibp deach a *mmary yaw yaw Aomud is apes The amsud d the fee appears on ted*mmt Wm tie bes bled. Theandfees not rmtrdede Wass you trolly us Nat you wish b dose parAmoutmOwn 30 days dtie tra'Yt rwdeihery debdtie staMnwtm which I efee is bled. You wl momm to m W even I you use you Card dung Nal pered Payodie Flimce Chrgn. Wend yourinumabora inbgretps d pbrdusea, cash aevances, and balum ha sim aW Nan kAw s thetmsaclons wlih each grail by IerAmah Peroatape Rata. For mompb, pwchasas SWpel to a pro oforral We and purchases Skied be amdard rele would be, I I poupa Wsrebrb teas groups as trabacI aleyodes. AI head of each bhp pmod, we cor" babraas ad Penodc Finanoe Charges for each day d tie bft period for each buna*n cawpay. We tae the blov eRhsGm to mrapUte Pedodc Fnarm Chagas for each eaoseckon allegory: (Avera (days in blirt period) tires (Darya Periodic Rate). You may ider bto fbwm CtageSuunary myour bitingadbment for laseammis.Then weaddupShePeriodsFiaceChagasfureach lranaadorha arylog rte Octal Pam6e Frwm ragas br you AcmubL TbeAwwage Daly Blase s sham as nor 1, bKm of t egrece pried, no Periodic Fwa ce Charges apply b ales biahra n a taaadan cats" The Daily Piniodc Raw s Ir" of Ihecmeeepodbg Areual Paoatage tale. %W un NeAverage Daly Bsbrhoe (red *q rewtrawacfam) meted ddebtatlrt Glee tralarhoe upon vvtich we npaea Pario3e Raaha Chagas. WB ompa leAraage Daly tmaeaeachtamck abgaybyamkrguparNedeybelahcffiba ppperiatbrataaecfonahgorywW&A*igl* Wbyft.m.d oldeysintwbitpaiod. WemnpdetodailybaI for each tarmaf:lmeewgaymeach daybyiattadding tiefolowagbtiepr madaysclaybrtahoatmsaactonswithaTrumadonDeledNet daya•slaw hon yourbigstatarnart utrsfetarmadonspo"loyorAmmutalatedoseof-M.m-k. lichloccn,nwhich caalbs' adknw/beadded b fed* balance a d1he istday dthe biing pmW In which kb paled b yo rAreouK bee charged #*day and Palo* Faaae Chags aetauedonle penaiaa dy's day 6efarha; oW by t m sW*adnp arty oredis and paymats Get are applied against tie blase dNe taeaclm cdAVy an told* in alai*q theory baMhoafurlefet day d Norb*gperiod,wecmidatoVe mday'sdaybabna•bhavebeenyorblam for each twisadmategayonto wKdaydyour pantom bittwiad. AIfeesdrapedbyarAaatrdareadded blestaWadpudmewaaacbmcawporywilhtheecepicndCashAaranceTnmuck hFeeFinaseChapetvalich ereadded btie' appiosbbcash adraae traruac., awgay and Balms Tra her Traaaio n Fee Finance gages which are added b Ie applicable' lase to sim - arlun aebgory, FW TOO (T? Davies for the Deaf) anhilm a, plem call 14MMI-744& Dsmter may moiler erWior record aelepho a cab between you and Discover repreantatim for aalky assurance purposes. 00010 The Dscovw6 and is sued by Db wr Be* Member FDIC PA0210 DISCI-AVER $$000°'°"Ce 31 SDSN6A01 0007669 HIXSON, JOSEPH 917 THORNTON DR MECHANICSBURG PA 17055-5752 , 2010 PO BOX 6103 I?lssrll,ssssllssrrllrllrr? CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? Go to www.Diseaver.com or print change in space above lnllullnsmlllnlnlnnlnllnnrllllnnullnllnnI llulrnll . 000001986458999668235000000000000000049500 opening urns: may za, zu I u - uoung uate: may 3 I I Discover More Card Account Summary Account number ending in 4075 Previous Balance $2,176.53 Payments And Credits 2,176.53 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 0.00 Other Fees t + 0.00 New Balance .00 See Finance Charge Summary section following transactions for detailed APR information Credit Line $1,800.00 Credit Line Avdilable $O.oo- Cash Advance Credit line $900.00 Cash Advance Credit Line Available $0.00 t See transaction detail for a description of any fees Cashback BonuSe Anniversary Month December Opening Cashbock Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0,00 Cad6cA Bonus Balance $ 0.00 To learn more, log in at www.Wocover.com and select Rewards Go paperless and make your account Information more secure with password- protected statements only you can access. Learn more at discover comlpaperiess. page 1 of 1 Payment Information New Balance $0,00 Minimum Payment Due 6495.00 Payment Due Date June 28, 2010 late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of tip to 639.00 and your purchase APRs for new transactions may be increased up to the Deksuk APR of 29.99% variable. Manage Your Account Online at www.Discww.com Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Mace your money worth morew-find easy ways to earn -and redeem cash rewards- NEWI Access your account securely though your mobile phone 3 Easy Ways to Contact Us 1 Ace= your account securely at wwwMiseavar eam 2. Cal 1-8004)ISCOVER (1-800347-2683) Please have your Discovers card avaik"e. 3. Write to us at Discover, PO Box 30943, Sall Lake City, LIT 84130 For TDD (Felecommunications Device for the Deal) assistance, please call 1-800347-7449 Transactions Trans. PD Da Date Payments and Credits May 31 May 31 INTERNAL CHARGE-OFF $ -2,176.53 Finance Charge Summary Average Daily current billing period: 8 days B9. Purchases $0 Meows $0 Cash Advances s0 V = Variable Rate Minimum Payment Due; Account Number ending in 4075 $495.00 Enter Amount Enclosed Below Payment Due Date $ -? June 28, 2010 Nominal Other Daily ANNUAL ANNUAL Periodic Fee e R FKANa s aat RATES RATES 04A RM CHARGES 0.07121% 25.99% 25.99% s0 60 0.07942% 28.99% 28.99% $0 $0 0.07942% 28.99% 28.99% $0 $0 See remorse side. DISC*VER Importard Momation. If there is more than one page to this biking statement, see the bade of each page for additional important Firlormabon. See you CandinnenberAgreement. Your Cardmember Agreement contains all the terms of your Accent. Lot or stolen cards. Report imediately! Call 14800.317-2683. Biking Rights Summary. In Case of Errors or Questions About Your Bit: If you think your bib is wrong, or it you creed More information about a transaction an you bit, write b us an a separate sheet of paper at Discover, PO Box 30421, Sat Lake City, UT 8413040421, as soon as passble. We must hear icon you no later than 60 days after we sect you the fist bill on Much the error or problem appeared. You can telephone us. but doing so vet not preserve your 46. n your letter: give us the following in(orwation: Your name and Account eurber. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an enor. t you need more information, describe the rem you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated In, pay the parts of your bii that are not in question. Whle we investigate your question. we cannot report you as delinquent or lake any action to called the moot you question. Special Rule for Credit Card Purchases: If you have a problem with to quality of goods or er*m- 3 you puchasefiwfth a credit card, and you tiawl'VW ii good faith to ranect the problem with the merchant. you may not have to pay the remaining amount due on the goods or services. You have ores protection only, when the purchase ignore was more than $50 and the purchase was made in your home stale or wiUnn 100 new of your mailing address- (If we own a operate the merchant, or t we mailed you the advan semai for the goods or services, at purchases are covered regardless of the amount or location of pu chase.) Paymerua. Send orgy your payment and the lop portion of this statement in the envelope provided. Do not send cash. By sending you check as described above, you authorize us to use ifomraton on your check to make an electronic lend transfer from your account at the financial isl 4u8or+ indicated on you check or to process the payment as a dads transaction. t payment is processed as an electronic fund transfer. the transfer will be for the amount of the check When we use nimralicn from your check to make an electronic fund senator, lends may be withdrawn from your account as soon as the same day we receive your paymerk and you will not receive yaw check back from your financial wm*aon. The processing of your payment may be delayed if you send cash, wnespordeme or other Marrs with your payment, it you send the payment In, any other a " or if you use an enveope other than the one provided. Payments received in proper form at our processing fa lift by 5Pfd local tone on any day tint be credited to your Amou t as of that day. P Aecetwed at our processing fadly?atur 5PM local erne WILbe credited to your Accontas of the next day-It you have m?aced your envelope, send your payment In Discover. POD 6103, Card Stream, IL 60197.6103. Please alknv 7--10 days for delivery. it your payment is fattened unpaid, we reserve the right to reskbant l as an electronic debit. You can pay your minimum payment or a greater amount over the tek pthone, and you can set up automatic payments. Cat is at 1800-347-2683. You will reed In sblernerd and your hank account informalion. You must ensue that sulficient fords are available in you bank aemnl, and at transactions must comply wMh U.S. lave You wit be asked to ponds to fast 5 dgih of your account statement ZIP code. By entering Mose numbers as your electronic signasar% you will be agreeing to ties authorization to aloe us and yam bank to deduct each payment you aAhorme from you bards account and to initiate debt of aeril entries to you balk account as applicable, to correct an error in the processing d each peyinent. You must tell us the amount d each payment or you can select an amount such as the Wrimum Payment Due or the New Balance on each statement. You can cancel a paynenht; however we must receive now at least tree business days in advance of to scheduled payment You may ncaly us by phone at 1-8W-347-2683 of by mail at to address baled in the previous paragraph. If your payments vary in arrant we wit tell you an each monthly statement vithen you payment wit be made and how much t VAN be. You aulanatc payment amount may be less than indicated on the no"slalement based on aedds or payments applied dicing the biting cycle. Credit Reporting. We may report information about your Aaant to credit bureaus. Late Payments, rnMed payments. or other defaults on your Account may be reflected in your aedt report . We normally report the status and payment history of yorAccont loaedil reporting agendes each month, t you believe that our report is naaxaalea ioamplefo, please write us at the fotowirng address: Discover. PO Box 15316. Wikmnglon, DE 19850-5316. Please include your raw. address, home telephone number and Account number Grace Period on Purchases jai least 25 drys). ft begin to rpm Periodic Finance Chagas on all transactions from the Transaction Date for to transaction stoein on your billing statement, unless a transaction is posted to your Account afro to dose of the biting period in which l occurs, in which case we begin to impose Periods Finance Charges on tat transaction from the fast day of the billing period in which it is posted to you Account. We connnue to impose Periodic Finance Charges urdi the data you pay Your snake New Balance shown on your billing statement by making payments or receiving credits. Flowerer, l you path the New Balance on your previous biting statement by The PaynentDue Dab shown an that biting statenwi. we will not impose Periodic Finance Charges on new purchases, that is, purchases list appearing on the current biking statement, or ak, portion of a new purchase, pad by the Payment Due Date on your current biting statement. We call this the *grace period. There is no grace period on balance transfers or cash autvaees. As more fuly described in the section of your Cardnhembef Agreement Wed glow We Apply Payments.' we!yeneraty apply payrreens to your Aaant based on the An uai Percentage Rake applicable to the balance of each transaction category . This means MAN you do not pay the New Baler" on the current biking statement by the Payment Due Dale shown on tat tolling statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances. you may not get a grace period an new purchases. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of S.50 for any bring period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Annual Fee. If your Account has an annual fee, t rill be billed at the beginning death anniversary yea your Account is open. The anamt of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you natty us that you vish to dose your Accent within 30 days of the mailing or delivery date of the stalernen on which the tee is billed. You wile receive this refund even it you use your Card during that period. Periodic Finance Charges. We sat your transactions into groups of purchases, cash advarim, and balance transfers and then further sort the sansac4as when each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purdrases subject to a standan! rate would be separate groups. We rekr b kM groups ffi transaction catego es. At the end of each biking period, we compute balances and Periodic Finance Chagas for each day of Bee biting period for each trarsactan category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daly Balance) ores (days in biking period) tines (Daly Periodic Rale). total Per 4100 Charge Summary an your biking Statemad for uese amounts. Than we add up the Periodic Finance Charges for each transaction category logot the YOU ages for yorAmount. The Average Daily Balance's shown as zero if. because of the grace period, no Periodic Finance Clmges apply to the bateroce Ina transaction category . The Daly Periodic Rake is 1rWite of the corresponding Annual Percentage Rae. We use the Average Daly Balace (including new transactions) nhetW of calculating the balance upon which we Impose Periodic Finance Chagas. We compute be Average Daly Balance for each transaction category by adding up all nhe daily hatences in a bang period for a transaction category and dividing to total by the number of days it ft bift penod, We compute the dally balance for each transaction category on each day by first adding the fotow rig to the previous day's d* balance: kranswbo s with a Transaction Date of day as shown on your IviYng statement, unless to transaction is posted to your Account der to dose of to billing period in %tech i occurs, in Mich case to tansacYon will be added to the duty balance as of the first day of the biking period in which i is posted to your Account. fees charged Vial day and Periodic Finance charges accrued on to pad= day's daily baba ce; and by then subtracting any credits and payments that are applied against to balance of to transaction category on that day. In calculating the daily telanc?e for the first day of the blurs period. we consider 0% 'previous day's daky balance' to have been your balance for each transaction category on Yee last day of your previous biking period. Ali fees Barged to you Account are added to the standard purchase transaction category with the inception 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 basher transaction category. For TDO (Telecommunications Device for the Deaf) assistance, pease call 14W-34T.7441 Discover may monitor and/or record telephone cal s between you and Duaver representatives for quality assurance purposes. MIO The Discover' card is issued by Discover Bank, hkmber FDIC PA0210 DISC VEW YOUR DISCOVER` ACCOUNT CARDMEMBER AGREEMENT ................ Pages 1-13 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13. PRIVACY POLICY ......................... Pages 13-16 A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 15. BILLING RIGHTS .......................... Pages 16-17 Important information about your rights and our responsibilities under the Fair Credit Billing Act DESCRIPTION OF COVERAGE ............... Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE ..................Page 25 The terms and conditions of this free travel assistance benefit. 02010 Discover Bank. Member FDIC TL22AG.0210 10DCM0_02BOK_TL22AG0210_01361_reader.indd 1-2 12/15/09 1:36:41 PM CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discover@ Card Account. It contains the terns 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 privac% See the Privacy section on page 10 and our Privacy Policy for additional information. The Arbitration of Disputes section on page 11 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on pa 13 describes the procedure f if ll you must o ow you desire to reject the Arbitration of Di sputes section. DEFINITIONS ......................................... .......... 2 USING YOUR ACCOUNT ............................... .......... 2 Your Acceptance of this Agreement ................. ........... 2 Permitted Uses of Your Account .......... ......... ........... 2 Prohibited Uses of Your Account .................... ........... 3 Purchases and Cash Advances in Foreign Currencies .... ........... 3 Cash Advances ................................... ........... 3 Balance Transfers ................................. ........... 3 Credit Authorizations ............................. ........... 3 Authorized Users .................................. ........... 3 Unauthorized Use ................................ ........... 3 Your Credit Lines .................................. .......... 4 CHANGES TO THIS AGREEMENT ......................... .......... 4 MAKING PAYMENTS ................................... .......... 4 Promise to Pay .......................... .. .......... 4 Monthly Billing Statement .......................... .......... 4 Monthly Payment Options .......................... .......... 5 Automatic Billing Arrangements ..................... .......... 5 How We Apply Payments ........................... .......... 5 Minimum Monthly Payment ......................... .......... 5 Skip-A-Payment Offers ............................. .......... 5 Credit Balances .................................... .......... 5 FINANCE CHARGES .................................... .......... 6 How We Calculate Periodic Finance Charges ........... .......... 6 How We Calculate Your Balances .................... .......... 6 Variable Interest Rates .............................. .......... 7 Default Rate ...................................... .......... 7 Cash Advance Transaction Fee Finance Charges ........ .......... 8 Balance Transfer Transaction Fee Finance Charges ...... .......... 8 Foreign Currency Transaction Fee Finance Charges ..... .......... 8 Minimum Finance Charge ........................... .......... 8 Account Set-up Fee Finance Charge .................. .......... 8 FEES ................................................. Annual Fee ....................................... .......... B .......... 8 Late Fee .......................................... .......... 9 Returned Payment Fee ............................. .......... 9 Returned Discover Card Check Fee ................... .......... 9 Pay-By-Phone ..................................... .......... 9 Research Fee ...................................... .......... 9 DEFAULT AND CANCELLATION .......................... .......... 9 Types of Default ................................... .......... 9 Consequences of Default ........................... .......... 9 Cancellation ...................................... .......... 9 PRIVACY AND OUR COMMUNICATIONS WITH YOU ........ ......... 10 Our Privacy Policy .................................. ......... 10 Reporting to Credit Reporting Agencies ............... ......... 10 -1- tODCMO_02BOK_TL22AG0210_01361_reader.indd 3-4 12/15/09 1:36:41 PM Our Communications with You ............................... 10 Releasing Information About Your Account .................... 10 Electronic Notices to You .................................... 10 Notices - Changes to Your Information .........................10 CLAIMS AND DISPUTES ..........................................10 Merchant Disputes ...........................................10 Claim Notices ...............................................11 Arbitration of Disputes .......................................11 Right to Reject Arbitration ....................................13 LEGAL INTERPRETATION OF THIS AGREEMENT .......................13 Severability .................................................13 Compliance with Interest Rate Limitations .......................13 Governing Law ..............................................13 ASSIGNMENT OF ACCOUNT .......................................13 DEFINITIONS "Account" means your Discover Card Account. "Authorized User" means any person 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 pa a 11. You may, however, reject the Arbitration of Disputes section as explained on page 13. Permitted Uses of Your Account. Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may fumish 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, travelers 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 prior to the time specified by the establishment. Your Account may be used for personal, family, household and charitable purposes. 2- 10DCM0_02BOK_TL22AG0210_01361_reader.indd 5-6 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. 0 you make a purchase or cash advance in a foreign currency, it will be converted to U.S. dollars using either a government-mandated rate, a government-published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made. The rate used will be the rate in effect on the conversion date for the transaction, which may be different than the Transaction Date as shown on your statement. We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign currency as described in the Foreign Currency Transaction Fee Finance Charges section on page 8. Cash Advances. We may periodically offer you promotional rates on cash advances for the time period specified in the offer, subject to the Default Rate section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. Balance Transfers. We may periodically offer you the opportunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain a promotional 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 Rate section and may contain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set forth in the Pricing Schedule, H applicable. Balance transfers subject to the promotional rate are referred to as promotional rate balance transfers; balance transfers for which the promotional rate has expired are 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-B06-DISCOVER (1-800.347-2683), or by writing Discover, 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 parry 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 14NXMCOVER (1 00.347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. You agree to -3- 12/15/09 1:36:41 PM assist us in determining the facts relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our 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. CHANGES TO THIS AGREEMENT From time to time, we may, to the extent permitted by law, change any term of this Agreerent, indu ft but not limited to, any finance charge rate, fee ormethod of computing any balance upon which the finance dwp rate is assessed, or add or delete any term to this Agreement We wiN give you notice of the change in the time and manner required by law, which includes 45-days advance written notice in some circumstances. In addition, to the extent required by law, we will offer you the opportunity to reject a change For example, law requires, with certain exceptions, that we offer you t opportunity to reject an increase in a late fee or the elimination of a grace period prior to the effective date of the change. If you reject a chainge in accordance with the instructions in the notice provided, we will dose your Account and you will no Ion be able to use it for further transactions. You can then pay the remaining balance under the undharx* term. We may also change any temp 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 MAIaNG PAYMENTS Promise to Pa 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 Lite payments or partiad payments or checks and money orders marked "payment in fuir 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 -4- IODCMO_02BOK_TL22AG0210_01361_reader.indd 7-6 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. h 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 stated on your monthly billing statement, as well as the payment cut-off time stated in this section, and we will credit your Account in accordance with those terms and this section. Payments received in proper form at our processing facility by 5PM local time on any day will be credited as of that day. Payments received in proper form at our processing facility after SPM local time will be credited as of the next day. 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 verify the merchant has your new Account information. You must contact the merchant directly if you do not wish to continue the automatic billing arrangement. How We Apply Payments. Each billing period, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will apply these excess amounts in order of the Annual Percentage Rate applicable to the balance of each transaction category (as referenced in the Finance Charges section), generally from highest to lowest, beginning with the balance subject to the highest Annual Percentage Rate. Otherwise, we will apply payments and credits at our discretion, includin in a manner most favorable or convenient for us. In all cases, we will app payments and credits in accordance with applicable law. Minimum Monthly Payment The Minimum Payment Due each billing period will equal: (i) the greater of: • $40; • 2% of the New Balance; or • current Periodic Finance Charges plus Late Fees plus $20; (ii) plus any past due amount. We may also include some or all the amount by which you exceed your Account credit line. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Account during the billing period. The Minimum Payment Due will be rounded up to the nearest dollar and will never exceed the New Balance. Skip•A-Payment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. 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, -5- 12/15/09 1:36:42 PM we will automatically refund credit balances greater than $1 that remain in your Account after months. FINANCE CHARGES How We Caladate Periodic Finance Charges. We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the dose of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. However, If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period." There is no grace period on balance transfers or cash advances. As more fully described in the section titled "How We Apply Payments," we generally apply payments to your Account based on the Annual Percentage Rate applicable to the balance of each transaction category. This means that'd you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purchases. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in billing period) times (Daily Periodic Rate). You may refer to the Finance Charge Summary on your billing statement for these 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. The Daily Periodic Rate is 1/365th of the corresponding Annual Percentage Rate. How We Calculate Your Balances. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing period. We compute the dally balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day as shown on your billing statement, unless the transaction is posted to your Account after the dose of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account, fees charged that -6- 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 first day of the billing period, we consider the "previous day's daily balance' to have been your balance for each transaction category on the last day of your previous billing period. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. Variable Interest Rates. One or more Daily Periodic Rates and corresponding Annual Percentage Rates that apply to a transaction category may be variable rates as set forth in your Pricing Schedule or in any special offers you receive from us. Variable Annual Percentage Rates are determined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points)." For f of this Agreement, the Prime Rate is the highest rate of interest isted 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 Rate. Each time that you do not make the Minimum Payment Due by the Payment Due Date we may, in accordance with applicable law: (i) terminate the availability of any promotional Annual Percentage Rates on new transactions; and (ii) increase your Annual Percentage Rates for new transactions to variable Default Rates Each new variable Default Rate for a new transaction is determined adding up to 5 additional percentage points to the otherwise applicable Annual Percentage Rate and will vary based on any changes in the Prime Rate. (For example, if the promotional purchase rate was 2.99% and the rate for other purchases was 15.99% and you paid late once, the rate for all new purchases could increase up to 20.99% variable and vary thereafter with the Prime Rate.) When we first determine the variable Default Rates, we use the Prime Rate effective for the billing period in which you pa late. The variable Default Rates are determined in accordance with the Variable Interest Rates section. We will base your Default Rate on your creditworthiness and other factors such as your current Annual Percentage Rates and your Account history. If we increase any of your Annual Percentage Rates to a Default Rate, we will send you a notice, in accordance with applicable law, advising of (i) the date the new Default Rate will apply (the "Default Rate Effective Date"), (ii) the type of new transactions to which it will be applied (note: the new Defauh Rate will not apply to any other transactions) and, (iii) your right to reject the new Default Rate. New transactions are those transactions which either (i) have a Transaction Date, as shown on your billing statement, of more than fourteen days after we mail or deliver the notice to you or, (ii) if permitted by applicable law, were posted to your Account after the current Default Rate Effective Date. Your Account will not be subject to a Default Rate for the first twelve billing periods after your Account is first opened. 7 tODCMO_02BOK_TL22AGO210_01361_reader.irdd 9-10 12/15109 1:36:42 PM If your Annual Percentage Rate for purchases, balance transfers or cash advances was increased to a Default Rate, we will, to the extent required by applicable law, periodically review your Account to determine if any of your Annual Percentage Rates shouts be reduced. Any reduced Annual Percentage Rates on new and existing balances may be different and may be higher than your previous standard Annual Percentage Rates for purchases, balance transfers andlor cash advances or any promotional rate. Cash Advance Transaction Fee Finance Charges. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee FINANCE CHARGE of 5% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of S10 and no maximum. 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 bifling 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. Unless otherwise specified in a balance transfer offer, we will charge you a Balance Transfer Transaction Fee FINANCE CHARGE of 5% of the amount of each new balance transfer with a minimum Balance Transfer Transaction Fee FINANCE CHARGE of $10 and no maximum. The imposition of Balance Transfer Transaction Fee Finance Charges may result in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance Transfer 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 balance transfer transaction category and add up these amounts. Foreign Currency Transaction Fee Finance Charges. We will charge you a Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar amount of each purchase made in a foreign currency. The imposition of Foreign Currency Transaction Fee Finance Charges may result in an Annual Percentage Rate for purchases that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on purchases for each billing period, we add any Foreign Currency Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than $50 would otherwise be imposed. Accourrt Seoul Fee Finance Charge. if your Pricing. Schedule accompanying your Card includes an Account Set-up Fee, we will charge you a one-time Account Set-up Fee FINANCE CHARGE in the amount indicated when we open your Account. FEES Annual Fee. If your Pricing Schedule accompanying your Card includes an Annual Fee, we will charge you an Annual Fee in the amount indicated. We will charge you this fee when we open your Account and at the beginning of each anniversary year your Account is open. The Annual Fee is not -8- refundable, except as provided by law. 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 S 19. If it is greater than $250, the 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, or other promotional check. Pay-By-Phone. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account We will not charge you a Pay-By-Phone Fee. Research Fee. We may charge you a Research Fee of $5 for each co of a billing statement or sales slip that you request. However, we will not charge a fee H 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 1 ou are declared incompetent by a court or if a court appoints a guardian or 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 law and 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 140-DISCOVER (1-800-347-2683), or by writing Discover, PO Box 30943, Sah 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 oint Account, either Cardmember may cancel the Account, but you will h 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. -9- 1ODCMO_02BOK_TL22AG0210_01361_reader.indd 11-12 12/15/09 1:36:42 PM PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Polkyy 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, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, home telephone number and Account number. Our Communications with You. You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to calls we make to collect debts. We may use any medium permitted by law, including but not limited to mail, live telephone calk, automated telephone equipment, prerecorded telephone calk, e-mail and calk to your cell phone to contact you about your Account or to offer yyou products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, you must either telephone us at 1.800DISCOVER (1-800347-2683) or write to us at Discover, PO Box 30961, Sah Lake City, UT 30%1-0961. Releasing Inforindion 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 statements and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices - Changes to Your Information. If you change your e-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify us by telephoning 14800DISCOVER (14800.347.2683) or by writing Discover, PO Box 30943, Sah Lake City, UT 841300943. 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 -10- 10DCM0_02BOK TL22AG0210_01361_reader.indd 13-14 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 andior 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 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 an judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"), the complaining parry 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 supporting 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, DF5 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, 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 ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything eke to the contrary in this arbitration provision, only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even 9 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 parry 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 briny 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 JAMS in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, -11- 12/15/09 1:36:42 PM www.adr,org (phone 1-800.778-7879) or JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www.jamsadreom (phone 1-800.352-5267). No other arbitration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed by both parties. If neither AAA nor JAMS is able or willing to serve as the arbitration administrator and we and you are unable to agree on a replacement administrator or arbitrator, then a court of competent jurisdiction will appoint an administrator or arbitrator or arbitrators (in the case of an appeal to a panel of three arbitrators as described below). Unless consented to by all parties, no arbitration may be administered by any administrator or arbitrated by any arbitrator that has any formal or informal policy, rule or procedure that is inconsistent with or purports to override the terms of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with 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 will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to Discover, PO Box 30421, Salt Lake City, UT 841300421. 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 udicial district where you reside, The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court. If requested by any parry, the arbitrator shall write an opinion containing the reasons for the 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 maappeal the award within 30 days to a three-arbitrator panel, which shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request 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 claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the -12- 10DCM0_02BOK-TL22AG0210_01361_reader.indd 15-16 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 pa ment in full by you, any legal proceedings by us to collect a debt owedyby 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, PO Box 30938, Saft 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 arbsm out of this Agreement wiB 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. PRIVACY POLICY we are required by federal law to provide you with a copy of our Privacy Policy each year. H have previously notified us about your privacy preferences, as described in Section 4, it is not necessary to do so again unless you decide to change your preferences. -13- 12/15/09 1:36:43 PM 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. K 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, 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 she 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 Discovers 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 -14- 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 co-brand credit card programs or reward programs. We may also share such information as permitted by law. 3. How Do We Protect the Confidentiality, Security and Integrity of Information about You? We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need h 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, PO Box 30943, Sah Lake City, Vr 84130-M3 so that we can update this information. 4. How Can You L'unh 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 about you, 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 14804225-5202 or write to Discover, PO Box 30%1, Sale Lake Gty, VT 84130.0%1. 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 15- IODCMO_02BOK_TL22AG0210_01361_reader.indd 17-18 12/15/09 1:36:43 PM 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 after we provide this Policy to you in order to give you an op unity to inform us about your preferences. 0 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 supersedes 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 speed, 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 180U D15COVER (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 are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. I. Notify Us in Case of Errors or Questions About Your Bfll 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 our 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 -16- 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 H 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. Z Your Rights and Our Responsibilities After We Receive Your Wrftten 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 Bmitations 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. -17- 10DCM0 02BOK_TL22AG0210 01361 reader.indd 19-20 12/15/09 1:36:43 PM DESCRIP11ON OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discovers 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 precedinngg the departure of a Scheduled Aircraft onwhichtheInsured Personhaspurchasedpassa eandimmediately 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 limit of insurance will be divided proportionally among the Insured Persons, based on each applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from any one Accident, the Comparry'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 pprroportionately 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. Acdderttal BodBv Miursfies) means bodily injury which is Accidental, is the dire! 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. Beneftt Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account Sad 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 Td 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. Children means those children, including adopted chi dren and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who -18- are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanently mentally or physically challenged and incapable of self support; or (3) under the age of 25 and classified as full-time students at an institution of higher learning. Domestic Par 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 Li means death, including clinical death determined by the local governing medical authorities. Polk r 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 United States government and the appropriate 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 ear of the d?'sappearance, stranding, sinking, wrecking or breakdown of any Scheduled Airoaft 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. 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. 19- 10DCM0_02BOK TL22AG0210_01361_reader.irdd 21-22 12115/09 136:44 PM 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 BENEROMY: The Loss of Life benefit will be paid to the beneficiary designated by you. 0 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®TheDirectMG.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 not apply to 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 roused 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 send the Company a written 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 -20- CLAIMS SERVICE CENTER AT 1-800-CLAIMS-0 (1-B00.252-4670). You can also go to the Company Web site (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 233274700 Fax Number. 1-800.30D-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. Completepolicy provisions are contained in the Master Policy, which can be obtained from the Policyholder: Policy #9906.1 &06 Policy Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a member insurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, N107061-1651 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 Damage Waiver is an insurance program, underwritten by Federal Insurance Company Policy #9906.17.63 (the "Policy"). DEFINITIONS: Account means a Card account. Actual Cash Yakx 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. QW 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 ob1'ects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion. Comps y means the Federal Insurance Company. Ins means Cardmembers and authorized users of the Account. Pd?yholder means DFS Services LLC, the entity responsible for the payment of premium. Rental Mm means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automabik means a four-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented -21 10DCM0_02BOK_TL22AG0210 01361_reader.indd 23-24 12/15/09 1:36:44 PM Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: • The Collision Damage Waiver Coverage is provided to you, as an Insured, 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 agreementtcontract. • The coverage period will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Policyholder as required, and subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis either the Insured or the Rental Agency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liability will be for a 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 in)'ury 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 15 COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, antique or limited edition motor vehicles trucks; recreational vehicles, campers, pickup trucks, and minibuses; 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 anywhere in the world. • Coverage is not available where prohibited by law. WHAT IS NOT COVERED: Coverage does not apply to loss resulting from the 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. -22- 10DCM0_02BOK_TL22AG0210_01361_reader.indd 25-26 • 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 cover- ing the RRe d Automobile. However, the insurance provided under this plan may rimary if s''icaly ovided for under the terms of this plan nd 'rf the owing critia is mee Rened Autbie rented for oidUnited 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 1-8W-CLAIi (1800.252.4670), You can also go to the Company Web site (www.chubb com), dick 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 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. -23- 12/15/09 1:36'.44 PM • Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance carrier(s). • 0 no other insurance is applicable, a notarized statement from the insured to that effect. Reminder. Meese 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 statement to eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in the master pdicy 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 Plan Administrator Federal Insurance Company ("Company") The Direct Marketing Group, Inc. a member of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 Master Policy Number: 9906-17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disdosures, 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 anytime. 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 nyht, remedy, or claim for insurance proceeds andlor damages under or arising out of this coverage. These benefits do not apply K 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 or its subscribing organization(s) has concealed or -24- 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 for examination all writings, books of 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 angel oss or claim will be deemed a waiver of any defense and such acts shall deemed to have been made or done without prejudice to the Company's liability. No Benefit to Others: This coverage will in noway inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. S ion: It is a condition of this insurance that if the Company pays the Insure 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 arbitrators will select a third, if they cannot agree 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.comttravel to learn more. Eligibility. You must be a Cardmember whose Account is in good standing, the Cardmember'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-pa 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 H you have questions about a spec?tic 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 by third parties. The services and these terms and conditions are subject to change without notice. -25- 10DCM0_02BOK_TL22AG0210_01361_reader.indd 27-26 12/15/09 1:36:44 PM Feb.17. 2011 11:12AM No. 0155 P. 2/2 VERIFICATION Natasha Szc "el Legal Placement Account Manager (Name) (Title) of _ DB Servicing Corporation, servicing affiliate for Discover Bank > (Company) does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative of plaintiff herein and authorized to make this verification, and that the facts sets forth in the foregoing Amended Complaint are true and correct to the best of his/her knowledge and information, and that he/she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. That Discover Bank, f/k/a Greenwood Trust Company, is a FDIC- insured Delaware State bank, and its servicing affiliate DB Servicing Corporation, extends credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, among other things, marketing, application approval, transaction approval, customer service, security, billing and the collection of delinquent accounts. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date Joseph Hixson 6011002883534075 WWR#8458833 DB Servicing Corporation servicing affiliate for Discover Bank PO Box 3025 New Albany, OH 43054 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on aday of 2010 upon the following: ?t Joseph Murphy, Esquire The J. Murphy Firm 210 Grant Street, #301 Pittsburgh, PA 15219 By: Sarah E. Ehasz, E IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, DISCOVER BANK, Plaintiff, V. JOSEPH HIXSON, Defendant. PENNSYLVANIA CIVIL DIVISION Case No: 10-5396 -v 5: G 77 --4 ANSWER TO AMENDED COMPLAINT AND NEW MATTER Filed on behalf of Defendant Joseph Hixson Counsel of Record for this Party: Ashley M. Derr, Esq. Pa I.D. 306604 The J. Murphy Firm 210 Grant Street, Suite #301 Pittsburgh, Pa 15219 (412) 521-2000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, V. JOSEPH HIXSON, Defendant. Case No: 10-5396 Certificate of Service I do solemnly swear that a true and correct copy of the within ANSWER TO THIRD AMENDED COMPLAINT and NEW MATTER was delivered to the below party or counsel as follows: Sarah Ehasz, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, 1400 Koppers Building Pittsburgh, Pa 15219 [ XX ] Via First Class U.S. Mail, Postage Pre-Paid [ ] Via Facsimile: 412-434-7959 [ ] Via Certified U.S. Mail, Postage [ ] Via Express Mail Pre-Paid Carrier: Article Number [ ] Via Certified U.S. Mail, Postage [ ] Other Method as follows: Pre-Paid, Return Receipt Requested. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, V. JOSEPH HIXSON, Defendant. Case No: 10-5396 ANSWER TO AMENDED COMPLAINT AND NOW, comes the Defendant, JOSEPH HIXSON, by and through counsel, THE J. MURPHY FIRM and ASHLEY M. DERR, ESQUIRE, and files the within Answer to Amended Complaint and avers as follows: 1. Upon reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment set forth in Paragraph 1. 2. Paragraph 2 of Plaintiff s Amended Complaint is admitted. 3. Upon reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment set forth in Paragraph 3. Count I-Breach of Contract 4. Paragraph 4 does not require a response. 5. Paragraph 5 is admitted in part and denied in part. While it is admitted that Plaintiff has attached a purported application to their Complaint as Exhibit 1, it is specifically denied that the same is the true and correct application for the subject credit card. Strict proof of Plaintiff s allegations is demanded at the time of trial. 6. Paragraph 6 is specifically denied in it is denied that Plaintiff made an offer to the Defendant. To the contrary, the mailing of the credit card and terms and conditions were, at most, an acceptance of an offer that Plaintiff itself solicited from the Defendant. While it is admitted that terms and conditions are attached to Plaintiff's Amended Complaint as Exhibit 2, it is specifically denied that these terms apply to the subject account. 7. Paragraph 7 is specifically denied for the reasons set forth in Paragraph 6 above. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments contained in Paragraph 8 of Plaintiff s Amended Complaint. Therefore, the same are specifically denied. 9. Paragraph 9 is admitted in part and denied in part. While it is admitted that Plaintiff has attached various statements to the Amended Complaint as Exhibit 3, it is specifically denied that the interest rate, charges and fees were accurately calculated. Strict proof of Plaintiff s allegations is demanded at the time of trial. 10. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments contained in Paragraph 10 of Plaintiff s Amended Complaint. Therefore, the same are specifically denied. 11. Paragraph II is specifically denied for the reasons set forth in Paragraph 6 above. It is further denied that Defendant is required to pay a balance that was improperly and inaccurately calculated. 12. After reasonable investigation, the Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments contained in Paragraph 12. Therefore, the same are specifically denied. 13. Paragraph 13 contains conclusions of law to which no response is required. To the extent that a response is deemed necessary, the same are specifically denied. Strict proof of Plaintiff's allegations is demanded at the time of trial. 14. The actual and correct balance is unknown and as such, the averments contained in Paragraph 14 are specifically denied. 15. As it is unknown as to whether the purported terms and conditions attached to Plaintiffs Amended Complaint are applicable to the account in question, the averments contained in Paragraph 15 are specifically denied. 16. It is specifically denied that the Defendant willfully breached the alleged contract with the Plaintiff. It is further denied that Defendant is required to pay a balance that was improperly and/or inaccurately calculated. Strict proof of Plaintiff s allegations is demanded at the time of trial. 17. Paragraph 17 is specifically denied for the reasons set forth in Paragraph 6 above. 18. Paragraph 18 is specifically denied as such fees are neither authorized nor reasonable. Count II-Uniust Enrichment 19. Paragraph 19 does not require a response. r 20. After reasonable investigation, the Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments contained in Paragraph 20. Therefore, the same are specifically denied 21. Paragraph 21 is specifically denied, in that the benefit of goods and merchandise was not conferred upon the Defendant by the Plaintiff, rather, the goods and merchandise were provided by the merchants who sold the goods and merchandise to the Defendant. The only "benefit" conferred upon the Defendant by the Plaintiff was an extension of credit. 22. The averments contained in Paragraph 22 are specifically denied as it is further denied that Defendant was required to repay a balance that was improperly and inaccurately calculated. Strict proof thereof is demanded at the time of trial. WHEREFORE, the Defendant demands judgment be entered in his favor. NEW MATTER 1. Plaintiff has failed to mitigate their damages. Respectfully Submitted: FIRM Ashley M. IPerr, Esq. 03/30/2011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff, V. JOSEPH HIXSON, Defendant. CIVIL DIVISION NO: 10-5396 c ? _ z7 c ? c r-n - m = a v o QQ C; CD n :;r_ C) ; t'? c c) PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD FOR THIS PARTY: Sarah E. Ehasz, Esquire Pa. I.D. # 86469 WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 8458833 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, CIVIL DIVISION Plaintiff, NO: 10-5396 V. JOSEPH HIXSON, Defendant. PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER AND NOW, comes the Plaintiff, DISCOVER BANK, by and through its counsel, Weltman, Weinberg, & Reis Co., L.P.A., and files the following Reply to Defendant's New Matter, averring as follows: NEW MATTER Paragraph 1 of Defendant's New Matter is a conclusion of law to which no response is required. To the extent that a response may be deemed necessary, same is denied and strict proof thereof is demanded at trial. By way of further response, any and all insinuations or allegations of wrongdoing on the part of the Plaintiff are strictly denied. WHEREFORE, Plaintiff respectfully requests that this Honorable Court find in favor of the Plaintiff and against the Defendant. Respectfully Submitted, Sarah E. Ehasz, Esquire Pa. I.D. # 86469 WELTMAN, WEINBERG, RE)S CO., L.P.A. 436 Seventh Avenue, Suite NW Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 8458833 CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Reply to Defendant's New Matter has been sent to the following parties by first class, U.S. Mail, postage prepaid, this day of , 2011, as follows: Ashley Derr, Esquire The J. Murphy Firm 210 Grant Street, Suite 301 Pittsburgh, PA 15219 ?C Sarah E. Ehasz, Esquire Pa. I.D. # 86469 WELTMAN, WEINBERG, & S CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 8458833 IN THE COURT OF COMMON PLEAS OF Lie? CUMBERLAND COUNTY, PENNSYLVANIA NO. J?Je 'XfJA f =rn r- r- M _<J> CO c RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially r-2: Following form: tz> PETITION FOR APPOINTMEI`dT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: S&r6, k e, t? 7 C f/ _ counsel for the laintiff% &nt in the above action (ohs), respectfully represents that: I ThP shove-r.aptioned action (mss) is (vr*) at issue. 2. The claim of plaintiff in the action is $'Z, / -76 . 3 The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: SW'i.? - E • G 1?G1 t L tJ"?4_-'---p??`• y _ r? i Grlh 1b .r Te?U`ly? WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submi ORDER OF COURT ND ',NOW, , 200 , in consideration of the foregoing petition, __ Esq., and Esq., and Esq., are appointed arbitrators in the"ove captioned actin-. (^,, a,,: ans) as ayed for. By the Court, Kevin A. Hess PT i a4.oo P0 Arty P-4 a6rs73 CERTIFICATE OF SERVICE A true and correct copy of the within Petition for Appointment of Arbitrators, for an Arbitration Hearing, has been served by U.S. Mail, Postage Pre-Paid, on 16 iv, of ?- , 20 11 upon the following: ASHLEY DERR, ESQUIRE THE J. MURPHY FIRM 210 GRANT STREET, SUITE 301 PITTSBURGH, PA. 15219 By: 19 C • " Ok qY- 3keL IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ( ?J? NO. C: 1 er ^ ? 34i6 _2010 I. d xl CA J o fie f rr1co C- =-n MM s r~ r- M- - M RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially D Following form: ? -- i;3 PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: S&rt, k e, t ?'z, cit.. , counsel for the lainti t in the above action (ohs), respectfully represents that: I T},P shove-raptioned action (its) is (6 ) at issue. 2. The claim of plaintiff in the action is $ 2? 1.76 .' 3 The counterclaim of the defendant in the action is ----" The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: Qr r n J I L SW ? 6-, r / lQ n ? T /Tl h'e y ?er? 674 WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submi r,? x I )& ",? A4,,, q r ,? 1?',, f ??6w44 ORDER OF COURT = [? D NOW, ? a D , 209/ , in consideration of the foregoing petition, 6L - Esq., and L?A?/?w ,?yjylCljnJ Esq., ana Esq., are appointed arbitrators in the a!-ove -,rayed for. captioned act-q..i (;;, ac"' ans) as t atf 1N tl?ll?l SNN3d v° 3 Q A.II noo (nNV 839;A5 the Court, CV -A? 1101 l-u, ? w z A. Ness Pr P -01311 a g089 65q `? rq ? ? . ?` ?? w ?sf . 2,4 09&15'73 'i ?vs? ? N ? ?sdh 0 Plaintiff .-'r-f sc?i?itC Defendant In The Court of Common Pleas of Cumberland County, Pennsylvania No. fa --S'3 IC Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duties of our office with fidelity. n lJ X e -1 /? gnature /V-AX ewv Z, - uc..) Name (Chaff nan) L1 ?tJr OFL 4r[i?? ?J i' Law Firm C) 3 rp Address 44900 S Name Q,cL.e? leokl Law Firm gas p") 131 5+ I Address Bel I/A.1 1:K' r^? ?o N? J i r17 i Tiq City, Z'p. /r'0 / City, Zip signature AYl qjC, N 1\CC,int?/ Name' 'CLllo S e 4z? l l 1' Law Firm 1.100 "kLJnu f' ASoHar" RCI It i rtf f7?oar, cSu-%fj .33/ Address CawLiale, M 17o5s- City, Zip Award We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) IL 0 . Arbitrator, dissents. (Insert name if X/7c.s- Date of Hearing: Date of Award: o Notice of Entry of Award Now, the ,10Y'6 day of , 20// , at l0," Y,-)- A .M., the above award was entered upon the docket and notice thereof given by mail to the parties or their attorneys. Arbitrators' compensation to be paid upon appeal: $ 3SO.110 Prothonotary By: Deputy ?a f A? FILED-OFFICE QF 714E PROTHONOTA Y 2it1 DEC 22 PM 12-.28 , E,p?iO COUNTY CW?E%MgYLY"1A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK I Plaintiff I vs. II JOSEPH HIXSON Defendant No. 10-5396 CIVIL TERM PRAECIPE FOR JUDGMENT ON AWARD OF ARBITRATORS FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T Moiczan, Esquire PA I. D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08458833 ??N as tea ??- aLaQ3? IN THE COURT O? COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK II Plaintiff vs. Civil Action No. 10-5396 CIVIL TERM JOSEPH HIXSON Defendant PRAECI E FOR JUDGMENT ON AWARD OF ARBITRATORS TO THE PROTHONOTARY: Enter Judgment against $2176.53. I hereby certify that R.C.P. 237.1 on the dates it ndant, JOSEPH HIXSON, on the Award of Arbitrators in the amount of -late Notices of Default, as attached have been mailed in accordance with PA on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: William T Molczan, 7RRei e PA I.D.#47437 Weltman, Weinberg s C o., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08458833 Plaintiffs address is: c/o Weltman, einberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7t" Avenue, Pittsburgh, PA 15219 And that the last known ddress of the Defendantl is: 917 THORNTON DRIVE, MECHANICSBURG, PA 17055 Plaintiff efendant We do solemnly swear (or States and the Constitution with fidelity. /9ly-b Cat)V - D&L UCH Name (Chaff an) In The Court of Common Pleas of Cumberland County, Pennsylvania No. %0 - SSA Civil Action - Law. Oath rm) that we will support, obey and defend the Constitution of the United this Commonwealth and that we will discharge the duties of our office . -hPQO S. 10MVI+v Name (,-2,/ula Signature T- AnuIc'10, Name Law Firm Law Firm Address Address 13e- ///a# r124D A 1I Pi"I i `701 C_C-lisle P 1705 City, Zip City, Zip City, Zip Award We, the undersigned arbitrat rs, having been duly appointed and sworn (or affirmed), make the following award: (Not If damages for delay are awarded, they shall be separately stated.) 1V.e ? .. 11 Date of Hearing: Date of Award: Now, the ??UY-6 day, entered upon the docket and no Mofudlo s iV tip, uc Law Firm /a00 t&l J L4* J361ja," Al. Address an c / SO _ " . Arbitrator, dissents. (Insert name if p'r le. Notice of Entry of Award ft , 20 11 , at ID: Y,)- , A .M., the above award was ice thereof given by mail to the parties or their attorneys. Arbitrators' compensation to b? paid upon appeal: $ 3S0 1Y) By: TRUE COPY FROM RECORD IR Testimony whereof, l here unto 9*pgtWA Mid the seal of said Cou at Aisle, Pa. Phis a-gL day_ of C .20 // PPf thon r 0 21 q s7k 717 li IN THE COURT OIF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. JOSEPH HIXSON Defendant JOSEPH HIXSON 917 THORNTON DRIVE MECHANICSBURG, PA 17055 Civil Action No. 10-5396 CIVIL TERM NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgment was entered against you on -L?-- (xx) Assumpsit Judgment in the amount of $2176.53 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( } Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict (xx) Arbitration Award Prothonotary By: PROTHONOTARY (OR DEPUTY) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ?a??stp at ?*auratrcr???t x ? ? . Jody S Smith Ph. Chief Deputy " ! Richard W Stewart r Solicitor OMCE Of `r.€ ?wERIF s r.li F?%!?_ ?i i ! ??Se 1,/ EIS p j. Discover Bank Case Number vs. Joseph Hixon 2010-5396 SHERIFF'S RETURN OF SERVICE 02/01/2012 09:23 AM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on February 1, 2012 at 0926 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: Joseph Hixon, in the hands, possession, or control of the within named garnishee, Wells Fargo Bank NA, 604 E High Street, Carlisle, Cumberland County, Pennsylvania, 17013 by handing to Paul Felton, Service Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to him. 02/0112012 William Cline, Deputy Sheriff, who being duly sworn according to law, states that on February 1, 2012 at 1409 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: Joseph Hixon, in the hands, possession, or control of the within named garnishee, Americhoice Federal Credit Union, 20 Sporting Green Drive, Mechanicsburg, Cumberland County, Pennsylvania, 17050 by handing to Rebekka Donn, Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on February 2, 2012 to Joseph Hixon at 917 Thornton Drive, Mechanicsburg, PA 17055. SO ANSWERS, February 02, 2012 RON R ANDERSON, SHERIFF Wi'l'liam Cline, Deputy ;c Coun°.ySuite Sher ff. Te eosoft. Inc. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Anderson ?4?tt?fi, of war+?aGr?./?'? }•° I [?t ?f,!??i?!"'IA?f 'T?;-! ,; 6 Smith f Deputy GI12 FEB 22 PM 3:00 rchard W Stewart ?i CUMBERLAND 0UN?('v Solicitor ENNS Y?. /A N ( A Discover Bank Case Number vs. Joseph Hixon 2010-5396 SHERIFF'S RETURN OF SERVICE 02/01/2012 09:23 AM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on February 1, 2012 at 0926 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: Joseph Hixon, in the hands, possession, or control of the within named garnishee, Wells Fargo Bank NA, 604 E High Street, Carlisle, Cumberland County, Pennsylvania, 17013 by handing to Paul Felton, Service Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to him. 02/01/2012 William Cline, Deputy Sheriff, who being duly sworn according to law, states that on February 1, 2012 at 1409 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: Joseph Hixon, in the hands, possession, or control of the within named garnishee, Americhoice Federal Credit Union, 20 Sporting Green Drive, Mechanicsburg, Cumberland County, Pennsylvania, 17050 by handing to Rebekka Donn, Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on February 2, 2012 to Joseph Hixon at 917 Thornton Drive, Mechanicsburg, PA 17055. 02/22/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is returned as STAYED per request of plaintiffs attorney. SHERIFF COST: $148.56 SO ANSWERS, 4z ?aal - 22, 2012 RON R ANDERSON, SHERIFF ?s? y3 C FILED-OFFICE ThE Przo r G4ow WELTMAN, WEINBERG & REIS CO., L.P.A. BY: James C Warmbrodt, Esquire I.D. No.42524 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 8458833 1 Attorney for Qs At?t?'? AM 11: 3 CUMBERLAND COUNTY PENNSYLVANIA DISCOVER BANK vs. JOSEPH HIXSON and WELLS FARGO BANK Garnishee(s) Cumberland County Court of Common Pleas NO. 10-5396 CIVIL TERM PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION TO THE PROTHONOTARY: Kindly marked the above matter discontinued and ended as to Garnishee(s), WELLS FARGO BANK, only. WELTMAN, WEINBERG & REIS CO.., L.P.A. By Jame it Warmbrodt, Esquire Att n v for Plaintiff I hereby certify that the foregoing is a true and correct statemnt of he above case. This statement is made subject to the penalties of 18 Pa., 49 relating to unsworn falsifications to authorities. A ? 9. SO VA Ck 1 Ev`3(?(?? 4Q )2 a?? c/ Fa WELTMAN, WEINBERG & REIS CO., L.P.A. BY: James C Warmbrodt, Esquire I.D. No.42524 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 8458833 Attorney for Plaintiff(s) DISCOVER BANK vs. JOSEPH HIXSON and AMERICHOICE FCU Garnishee(s) Cumberland County Court of Common Pleas Y t?[?~C3 OTHON ?1:. 2 'J F 10-5396 CIVIL TERM NO . 7T1 cn r- t < crt C:' T cz:. 5 ?VT. PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION TO THE PROTHONOTARY: Kindly marked the above matter discontinued and ended as to Garnishee(s), AMERICHOICE FCU, only. WELTMAN, WEINBERG & REIS CO,, L.P.A. By JameWarmbrodt, Esquire Atto ne for Plaintiff I hereby certify that the foregoing is a true and correct states This statement is made subject to the penalties of 18 Pa.C.S case. to unsworn falsifications to authorities. ar*Ak 9.so?d CL&- 1034(?(?a( l? a-? 19 a7