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HomeMy WebLinkAbout10-5682 F(1 7r ? OF jpc: PROTHONOTARY i ? j' rrp _ 2 AM 9• {4 CUMPENW(LVAN{A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. VIRGINIA M HEDGE Defendant No: (0- 5(o 8A 0,-,V-% I-rem? COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08543904 C A Pit CXC Q 44A.00 Po A-rr i at 411*97µio 0 ag7!03 3 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. VIRGINIA M HEDGE Defendant Civil Action No 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: VIRGINIA M HEDGE 618 WALNUT BOTTOM RD SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX6494 . 4. Defendant made use of said credit card and has a current balance due of $10668.90 , as of July 08, 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 28.990% per annum on the unpaid balance from July 08, 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 , VIRGINIA M HEDGE individually , in the amount of $10668.90 with interest at the rate of 28.990% per annum from July 08, 2010 plus attorneys' fees of $125.00 , and costs. James Wa ro t,42524 WEL WEINBERG & REIS CO., L.P.A. 436 S nth Avenue, Suite 1400 Pitt qbulrgh, PA 15219 (412 34-7955 FAX: 4 2-338-7130 085 3 4 C A Pit CXC This law firm is a debt collector atte?pXing to collect this debt for our client and any information obtain d will be used for that purpose. T New Balance Minimum Payment Due Account Number ending in 6494 DISCOVER $0.00 $2,197.00 Enter Amount Enclosed Below Payment Due Date $ July 25, 2010 30 SDSN6A01 0005225 VIRGINIA HEDGE 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Go paperless and make your account information more secure with password- Drotected statements only you can access. Learn more at discover =dPaperless. PO BOX 6103 I11rrr16rrrJ6lLrrLnrll CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? Inl?u??nuaJllnlnlurltllnrtrll?lnunllrllunr?lulnll Go to www.D6cav r corn or print change in space above. 000001986458215636511000000000000000219700 Ommina Date: June 11, 2010 - Dosing Date: June 30, 2010 Discover More Card Account Summary Account number ending in 6494 Previous Balance $10,668.90 Payments And Credits - 10,668.90 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 0.00 Fees Charged + 0.00 New Balance 0.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $9,100.00 Credit Line Available $0.00 Cash Advance Credit Line $0.00 Cash Advance Credit Line Available $0.00 Payment Information New Balance $0.00 Minimum Payment Due $2,197.00 Payment Due Date July 25, 2010 Lab Paymernt 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 Penalty APR of 29.99% variable. Manage Your Account Online at www.Discovw corn • Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily • Make your money worth moreSM -find easy ways to ear and redeem cash rewards • NEWT Access your account securely through your mobile phone 3 Easy Ways to Contact Us Cash C Bonuse 1. Access your account securely at www.Diecoserr:orn Anniversary Month 2. Call 1-80ODMOVER i;1-800.347-26831 August Please have your Discover* card available Opening Cashback Bonus Balance $ 0.00 3. Write to us at Discover, PO Box 30943, New Cashbock Bonus This Period + 0.00 Salt Lake City, LIT 84130 Cashback Bonus Balance $ 0,00 For TDD (Telecommunications Device for the Deal) assistance, please call 1-800.347.7449. To learn more, log in at www.Diseover.com and select Rewords EXHIBIT Transactions Trans. s. Post - Dcft ?ta?rrllriiTr• Dote ,.w-?. Payments and Credits Jun 30 Jun 30 INTERNAL CHARGE-OFF $ -10,668.90 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 i-IN est Charged TOTAL INNTEREST FOR THIS PERIOD $ 0.00 2010 Totals Year--Date TOTAL FEES CHARGED IN 2010 $ 273.00 TOTAL INTEREST CHARGED IN 2010 1,415.66 g "Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your aeeotmt. ANNUAL PERCENTAGE BALANCE SUBJECT TO 04TERESF CHARGE Current Billing Period: 20 days RATE (APR) NTEREST RATE Purchases 28.99% $0 s0 'Cash Advances 28.99% $0 $0 V = Variable Rate Additional hportarst Ma+narion Important Info.. sailors. If there is more dmn one page to this billing stotemem, see tm back of each papa for odditonal important inforaws"n Continued on reverse side. DISCOVER See your Cardmember Agreement. Your Cardmember Agreement contains al the terms of your Account Lost or stolen cards. Report immediately! Call 14100-347-2683. What To Do U You Think You Frrd A Mrsloke On Your SlalemeM t you think There is an error on your statement, writs to user Discover, PO Box 30421, Sob Lake City, UT 84 1 30-042 1 In your biter, give w the Following lalormadon Account infism tare Your name and account number Dollar amount: The dollar amount of the suspected error Description of Problem: t you think Iherj is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us wehin 60 days after the error appeared m statement You must notify us of any potential errors es writing. You may c I us, but if you do we are not required to investigate any potential errors and you may have to pay The omaunt in question Whit we investigate whether or not tare has been an error, the following ore hue we cannot try to collect the amount in question, c report you as deRaqusol on the omoum The charge in question may remain on your statement, and we may continue to charge you interenl on clot amount But, t we determine tint w mods a mistake, you will not have to pay the amount in question or any interest or other fees related to !hd amount While you do not haw to pay the amount in question, you are responsible for The remoxder of your balance We can apply any unpaid amount against your credit limit Your Rights B You Are Dissatisfied With Yaw Credit Card Purchases d you are dissatisfied with the goods or services that you have purchased with yow credit card and you have tried in good Faith b correct the problem with The merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true ce must have 1 bTh. eenmom than $50 hove (Note: Neither of these are necessary if your purchase was based on an advertisement we r waled to you , or 8 we own the company That sold you The goods or services) 2 You must have used your erode card for the purchase Purchases made with cash advances from an ATM w with a check That accesses your credit card account do not quakfy 3 You must not yet have fully paid for the purchase t all of the criteria above are met and you are all dissatisfied with The purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 841300945 While we investigate, the wine rubs apply b The disputed amount as discussed above Aber vas finisn our mveshgotion, we wiN tell you our decision At dot point, d we think you owe an amount and you do not pay we may report you as delinquent 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 institution indicated on your check or to process 16 pa mall as a check transaction IF payment is processed as an electronic fund transfer, The transfer will be for" amount of to check When we use informoTion iron your check To make an electronic fund transfer, funds may be witlsdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution proessing ol your payment may be rleiayse if you send cash, correspondence or oiler items with yaw owmaM(acil' aen5e the local time on any odrerwiN The c address or il you use an envelope other than The one proudest aymenb received in pr form c1 taw processing by y day bur credited To your Account as of that day Payments recnved d our procsssn9 foc1iy Ober SPM local Kme sad: x credited b your Account as of de nee day t you Faw misplaced your envelope, send yaw payment b Discover, PO Box 6 (O3, Card Stream, -060 1 97-6 103 Please allow 7-10 days For delivery q your paypa ment is returned unpaid, we rssm w The right ta rewbmit it as an elecTrOn c debit You y your minxnum payment or a greater amount over Te tekphore, grid you con setup automatic payments Coq us at 1-800347-2683 You will need This staTrmanr and your bank account information You mu:1 ensure Ind sufficient lands are avwloble m yaw bank account, and all transactions must provide the first 5 digos al yaw account:tarenherit ZIP code By ente+i•g taee numbers as your electronic can asked To canpiy with U S law You wuN tea ugnalu is, you veil he agreeing To this authorimlion ta allow us and your bank to deduct each payment you auThorim from your bank account, and to initiate debit or trade entries To your bank account, as applicable, b correct an error M to procasseg d such payrant 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 stotamenI You can caned a payment, however we must receive notice at least three business days in advance of" scheduled payment You may notify us by phhons at 1-800347-2683 or by "A of de address fisted n to previous paragraph d your payments vary in amount, we will tell you on each monthly statement when your payment will be made and how much IT will be Your outomdic payment amount may be less than indicated on the monthly statement based on credits w payments applied during the billing cycle Credit Reporting. We may report information about your Account to credo bureaus Late payments, nosed poymenh, or other deFouhs an your Account maybe reflected in your credit report We normally report the status and payment history of your Account to crCdd reporlin$ agenciss each month If you believe that our report is inaccurate w incomplete, terse write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account numbe- Paying Interhesd: We begin to impose interest Charges on oil Tronsoclions from the Tronsaition Dab for the ironwchon shown on your bigirg statementunless o transaction is posted b yyour Account after the class of The billing perod in which it occurs, in which case we begin to impose wimma charges .;h. transaction from the firs) day o Me billing period in which it is posted to your Account We coMin. b Fm Interest Charges until the date you pay your entire New Balance shown on your killing statement by cooking payments w receiving credits If you paid Tile New Balance on your previous telling stolement by The Payment Due Date shown on that billing statement, we wall not impose Interest Charges on now purchases, that is, purchases first appearing on to current billing staieement, or any portion of a new purc hase, paid by the Payment Due Date on your current tilling motemme We toll This tle'1M. period' IT Is not less than 25 days There 6 no grace period on !stance it nders or cash advances As more fully described in The section of yyour Cardmember Agreement tided 'How We Apply Payments; we generally apply payments to your Account based on to APR applicable to Te baloce of each Transaction category This means that gym do not pay The New Balance on r. currerl tilling statement by the Payment Due Date shown on that telling statement, then. depending on the amount of your payment and the APRs on other lotaces, you may not gin a grace period on new purchases A infmum Interest Charge. We will charge you a minimum Interest Charge of; 50 for any billing period in which Interest Charges of less than S 50 would otherwise be imposed Annual Fee. I your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open The amount I die fee appearson the statement when" fse is biped The annual hse is no! refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery dab of the statement on which the fee is billed You will receive this refund even d you use your Card during that period Now We Calculate Interest Charges - Daily Balance Method (including current tronsac6ons): We figure interest Charges fa each billing period To do this and each Interest purchase, balance a transfer for each and ash balance advoce batee different to #arm (for example, promotional ter) Werd purchases, standard We calculate h advances transaction categories We figure ""daily balance' for each transaction category To get de; doily bolonce• we take die bsgimiwg acbolance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We ITba bin r any credits andpa yments and make other adjustments (including those adjustments required in the section tided 'Paying Interest') In wkulagng the daily balance for to first day of the billing period, we consider The "previous day's lady balance' to have been your balance on The lost day of your previous billing period This gives us to doily balance For each transaction category We figure the Interest Charges on your Account by multiplying The daily balance for each Transaction category by is daily periodic rate, For each coy in the lolling period The Total Interest Charges For the billing period are the win of the doily Interest Charges for each Transaction category For each day during dot billing period When we calculate daily baksces, "add a new, hanwctim as of "Transaction Dde shown on your biljrng smtement, unless The Transaction rs posted b your Account after The close of the billing period in which it occurs, in which case the Transaction will be added ta the ;;4 w balance as of The first day of the billing period In which it is posted to your Account Ali fees charged to your Account ore added to it* standard purchase transaction category with the exception of Cosh Advance Fees which am added to to applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer Transaction category Fo?ieraetw,lRw Fee: 2% of the U S dollar amount of each purchase made in a foreign currency Penalty APRs- Each tine you fail to make a payment when due, we may, in accordance with applicable jaw, (i) Terminate The avoilabdity of any introductory/promotionai APRs on new transactions, and (if) increase your APRs for new transactions to variable Penalty APRs which will be determined by adding up to an additional 5 percentage points to the otherwise applicable APR Your Penalty APR is determined based co your creditworthiness and other factors such os your current APRs, and your account history d your APRs fur new transactions are increased for a late payment, she Penalty APRs will apply indefinitely For TDO (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may nimiar and/or record telephone caps between you and Discover representatives for quality assurance purposes The Discoverer card is issued by Discover Bank. Member FDIC OITBK172 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# 8543904 Virginia M. Hedge 6011002171606494 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, v. Plaintiff VIRGINIA M. HEDGE, Defendant :CIVIL ACTION -LAW NO. 10-5682 Civil Term (JURY TRIAL DEMANDED) CERTIFICATE OF SERVICE ,~ ~ ~ ~ ~ ~ ~~ ~ ~~ ~~ ~ rn~ -.~ ~~ ~ ~o ~d ~~ ~.+. ~ ~° ~-r~ .~ cf ~ ~ - c-~ ~ ~ .' ~ _~; I HEREBY CERTIFY that a true and correct copy of the foregoing Defendant's Request For Production of Documents Addressed To Plaintiff was furnished by U.S. Mail, first class, postage prepaid on the date set forth below, to: James C. Warmbrodt, Esquire Weltman, Weinberg & Reiss Co., L.P.A. 436 Seventh Avenue, Suite i4oo Pittsburgh, PA i52ig Attorneys for Plaintiff Dated: C~~_Z~tc~S Stephen K. Portko, Esq. Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff :CIVIL ACTION -LAW v. VIRGINIA M. HEDGE, Defendant NO.10-5682 Civil Term (JURY TRIAL DEMANDED) CERTIFICATE OF SERVICE ~ ~ ~ ~ ~ ~ ~ ~-~ ~ ~ ~ ~~ t° -~ '~° ~ ~- a„ ~ ~ e ~ ~r-~ ~ --r ~~ ~ ~ _~ I HEREBY CERTIFY that a true and correct copy of the foregoing Defendant's First Set of Interrogatories Addressed To Plaintiff was furnished by U.S. Mail, first class, postage prepaid on the date set forth below, to: James C. Warmbrodt, Esquire Weltman, Weinberg & Reiss Co., L.P.A. 436 Seventh Avenue, Suite i4oo Pittsburgh, PA ~52i9 Attorneys for Plaintiff Dated: ~ ~~~vcv Stephen K. Fortko, Esq. Attorney for Defendant o/ ~s fiHF~P QTNO~~T~~t`~' 2~?~QQC~-5 ~~l~~ I~ ~'~P~BERl..A~i~ CDJ~~TY ~EP~P€SY~.4'4~#1r~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff v. VIRGINIA M. HEDGE, Defendant CIVIL ACTION -LAW NO. 10-5682 CIVIL TERM For Plaintiff James C. Warmbrodt, Esquire I.D. No. 42524 WELTMAN, WEINBERG & REISS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone 412-434-7955 For Defendant Stephen K. Portko, Esquire I.D. No. 34538 BRATIC & PORTKO 101 South U.S. Route 15 Dillsburg, PA 17019 Phone 717-432-9706 Defendant's Preliminary Objections to Plaintiff's Complaint Submitted by Stephen K. Portko, Esq., counsel for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff CIVIL ACTION -LAW v. VIRGINIA M. HEDGE, Defendant TO: NO. 10-5682 CIVIL TERM NOTICE TO PLEAD James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REISS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Attomeys for Plaintiff You are hereby notified to file a written response to the enclosed DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT within twenty (20) days from service hereof or a judgment may be entered against you. Dated: ~~ 5~ ~ic~ Step en K. Portko, Esquire BRATIC & PORTKO 101 South U.S. Route 15 Dillsburg, PA 17019 (717) 432-9706 Attorneys for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff CIVIL ACTION -LAW v. VIRGINIA M. HEDGE, Defendant NO. 10-5682 CIVIL TERM DEFENDANT'S PRELIMINARY OBJECTIONS And now comes the Defendant, Virginia M. Hedge, by her attorneys and files the within Preliminarily Objections in accordance with Pa.R.C.P. 1028 to the Complaint filed by Plaintiff Discover Bank, as follows: 1. Plaintiff filed this action and identifies itself as a corporation with offices located in New Albany, Ohio. 2. Plaintiff s action is an attempt to collect an account for a credit card bearing account number xxxxxxxxxxxx6494. 3. Plaintiff fails to attach a signed card agreement or application by Defendant; further, the actual terms of the credit arrangement are missing. 4. Plaintiff alleges in paragraph 4 of the Complaint that "Defendants made use of said credit card"; however, there is no description of any goods or services and when such purchases were made. 5. Plaintiff alleges in paragraph 7 of the Complaint that the "Agreement between the parties provides that Defendant will pay Plaintiffs attorneys' fees"; however, Plaintiff fails to attach a copy of the "Agreement". 6. Plaintiff avers in paragraph 9 of the Complaint that Plaintiff repeatedly requested Defendant to pay the alleged balance; however, Plaintiff fails to provide the time or place of such demands. 7. The verification attached to Plaintiffs Complaint is signed by "James Ball" 2 who is identified as a "Team Leader" of "DFS Services LLC". Although the verification suggests that "DFS Services LLC" is the plaintiff, "DFS Services LLC" is not named or identified anywhere in the Complaint filed by "Discovery Bank". 1. PRELIMINARY OBJECTION RAlS/NG FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 8. Paragraphs one through seven are incorporated by reference as if set forth at length herein. 9. Rule 1019(1) of fhe Pennsylvania Rules of Civil Procedure requires that where a claim or defense is based upon a writing, the pleader shall attach a copy of the writing, or the material part thereof, but if the writing or copy is not accessible to the pleader, it is sufficient so to state, together with the reason, and to set forth the substance in writing. 10. Plaintiff fails to attach the credit application or agreement and the terms of the credit card are not set forth. 11. Plaintiff attaches just one exhibit to its Complaint [and refers to this exhibit in ¶ 6 of the Complaint]. However, the exhibit is a "charge-ofP' Statement showing a "New Balance $0.00" and the backside of the statement refers to another writing as follows: "See your Cardmember Agreement. Your Cardmember agreement contains all of the terms of your Account". 12. Plaintiff s complaint is silent about the substance of these writings and whether each writing is accessible. 13. Plaintiff fails to include any writing or substantive documentation regarding the alleged account between Defendant and DISCOVER BANK and it is impossible for Defendant to determine the correct amount of the debt or, indeed, whether any debt is owed. 14. The lack of any contract or other writing makes it impossible for Defendant to determine whether correct or allowable interest, late fees, over limit fees, attorney fees and other charges were being assessed, with the lack of any account history making such a determination impossible as well. 3 15. Defendant cannot determine whether the proper parties were joined or whether the claim at issue would be barred by the applicable statute of limitations because of the lack of information about the signed cardholder agreement and date of last payment. 16. Plaintiff s pleading is insufficient and should be dismissed. WHEREFORE, Defendant respectfully requests that this Court dismiss plaintiffs complaint. ll. PRELIMINARY OBJECTION RA/S/NG FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 17. Paragraphs 1 through 16 are incorporated by reference as if set forth at length herein. 18. The verification to Plaintiffs Complaint was not made by one or more of the parties filing the complaint, but rather was made by an individual named "James Ball" who identifies himself as a "Team Leader" of "DFS Services LLC". DFS Services LLC is not a party because the Complaint identifies "Discover Bank" as the plaintiff and DFS Services LLC is not named in the pleading but appears to be a separate entity collecting the alleged debt for plaintiff. 19. Pa. R.C.P. 1024(c) requires that: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his information as to matters not stated upon his own knowledge and the reason why the verification is not made by a party. 20. The verification to plaintiffs complaint does not set forth the source of "James Ball" information as to the matters contained in the complaint. 21. Further, there is no reason given why the verification could not be taken by 4 the plaintiff in light of the fact that Plaintiffs counsel had sufficient time to obtain the purported statement ending July 2010 showing a "charge-off' and balance of "$0.00". 22. The verification to plaintiff s complaint is defective under Rule 1024(c). 23.The verification being defective, plaintiffs complaint is not properly verified in violation of Rule 1024(a}, and must be stricken. WHEREFORE, Defendant respectfully requests that plaintiffs' complaint be stricken. Ill, PRELIMINARY OBJECTION RA-S/NG FAILURE TO CONFORM TO APPLICABLE RULES OR LAW, 24. Paragraphs 1 through 23 are incorporated by reference as if set forth at length herein. 25. Plaintiffs Complaint fails to set forth sufficient facts as to time, place and items of special damages with specificity, as required by Pa. R.C.P. 1019(f). 26. Plaintiff merely alleges in paragraph 4 of its complaint the following: "Defendant made use of said credit card and has a current balance due of $10668.90, as of July 08, 2010". 27. Plaintiff s purported credit card account has no basis in fact because the pleading is devoid of material facts, i.e. it fails to identify the specific goods and/or services at the times, of the kinds, in the quantifies, and for the price, which information is required in any credit card transaction. 28. Furthermore, Plaintiffs claim for interest at the usurious rate of 28.990% and attorneys fees is not based on any writing and is without any basis in fact. 29. The Complaint does not comply with Pa. R.C.P. 1019(a), which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form". 30.As a result, plaintiffs complaint is vague and general and does not specifically state the debt incurred or what, if any, payments are due and the nature of the charges included as part of the amount Plaintiff claims to be owed. 5 31. Under Pa. R.C.P. No. 1028(a)(2), a party may preliminarily object by way of motion to strike off a pleading due to lack of conformity to law or rule of court. 32.The substance of Plaintiffs Complaint violates the Pennsylvania Rules of Civil Procedure and must be dismissed. WHEREFORE, Defendant respectfully requests that Plaintiffs Complaint against them be dismissed for lack of conformity to the Pennsylvania Rules of Civil Procedure. IV. INSUFFICIENT SPECIFICITY OF A PLEADING. 33. Paragraphs 1 through 32 are incorporated by reference as if set forth at {ength herein. 34. Plaintiff's Complaint claims the existence of a credit account and balance due thereon without alleging sufficient facts as to time, place and items of special damages with specificity, as required by Pa. R.C.P. 1019(f). 35. Plaintiffs complaint lacks sufficient specificity to apprise Defendant of the issues to be litigated or to allow her to adequately prepare and assert defenses to plaintiffs allegations. 36. Additionally, Defendant is entitled to more specific information to be able to answer intelligently and determine if she is even obligated for such credit card and what items she can admit and what she must contest. 37. The Complaint generally asserts a breach of contract and other failures of performance against Defendant, contrary to Rule 1019(f). 38. The Complaint fails to state any facts upon which the amount of damages and attorney fees may be calculated, in violation of Pennsylvania Rule of Civil Procedure 1019(a), which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form." WHEREFORE, Defendant respectfully requests this Court to dismiss Plaintiff s Complaint or, in the alternative, require that Plaintiff plead more 6 specifically the averments of its complaint relating to the purported credit account, amounts claimed and the nature of the default. Respectfully submitted Dated: ~~ ~ ~, l Stephen K. Portko, Esquire BRATIC & PORTKO 101 South U.S. Route 15 Dillsburg, PA 17019 (717) 432-9706 Attorneys for Defendant CERTIFICATE OF SERVICE HEREBY CERTIFY that a true and correct copy of the foregoing Preliminary Objections was furnished by U.S. Mail, first class, postage prepaid on the dated indicated below, to: James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REISS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated: QC~~ ~ ~~~ ~. Stephen K. Portko, Esquire BRATIC & PORTKO 101 South U.S. Route 15 Dillsburg, PA 17019 Attorneys for Defendant 7 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff vs. VIRGINIA M. HEDGE, Defendant ;-, - 2 :a :::0 , 4a ? , Civil Action No. 10-5682-CN5? n = c,-;; "- c? ? "' a r,-; AMENDED COMPLAINT IN CIVIL ACTION 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 ON 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 AMENDED COMPLAINT 1. Plaintiff is a corporation with offices in C/O DB Servicing Corporation, 6500 New Albany Road, New Albany, OH 43054. 2. Defendant is an adult individual residing at 618 Walnut Bottom Road, Shippensburg, PA 17257. 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. 4. On or about August 19, 2004, Defendant was issued a credit card by Plaintiff bearing the account number xxxxxxxxxxxx8447. A copy of the credit application dated August 19, 2004, and bearing the Defendant's signature is attached hereto and marked as Exhibit "1". 5. The aforesaid account is subject to the terms and provisions of a written customer agreement that has been revised from time to time. A true and correct copy of Plaintiffs written customer agreement in effect on the date Plaintiffs cause of action arose which was mailed by the Plaintiff to the Defendant, and which agreement was received by the Defendant is attached hereto, marked as Exhibit "2" and made a part hereof. 6. Defendant used the aforementioned credit card to make balance transfers and to purchase goods, merchandise and services. 7. Attached hereto, marked as Exhibit "3" and made a part hereof are true and correct copies of the monthly statements on Defendant's aforementioned account, dated April 10, 2007 through June 10, 2010. 8. Pursuant to the terms of the agreement between the parties, Defendant agreed to make monthly payments on the outstanding balance on his account. 9. Defendant last made a payment on the aforementioned account on November 6, 2009, in the amount of $325.00. 10. Defendant is in default of the agreement between the parties by failing to make the monthly payments when due. 11. The balance due and owing to the Plaintiff on the aforementioned credit card account as of June 10, 2010 was $10,668.90. 12. Pursuant to the aforesaid customer agreement, unpaid balances on Defendant's account are subject to the addition of finance charges at the rate of 28.99% per annum. 13. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 14. Plaintiff avers that such attorneys' fees will amount to $125.00. 15. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, Virginia M. Hedge, individually, in Count I, in the amount of $10,668.90, with interest at the rate of 28.99% per annum from June 10, 2010, to the date of judgment, plus costs. COUNT II - UNJUST ENRICHMENT 16. The averments contained in Paragraph 1 through 17, above, are incorporated herein by reference thereto as though herein set forth at length. 17. By his use, acceptance and retention of the goods purchased using the aforesaid account without making the payments due to the Plaintiff, Defendant has been unjustly enriched to the detriment of the Plaintiff. 18. Although repeatedly requested to do so by the Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, finance charges or any part thereof to the Plaintiff. WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Virginia M. Hedge individually, in Count 11, in an amount not to exceed the court's jurisdictional limits for arbitration cases, plus costs. Respectfully submitted, James armbrodt, 42524 WELTMA , WEINBERG & REIS CO., L.P.A 436 Sven Avenue, Suite 1400 Pittsburg PA 15219 (41'i) 43 -7955 FAX:4 -338-7130 V#W 8543904 ct this debt for our client and any information This law firm is a debt collector attempting t' le obtained will be used for that purpose. Mar. 18, 2011 2: 29PM No, 0431 P. 2 VERIFICATION Natasha Szcz iel , 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. o ?'i!vII Virginia M. Hedge 6011002171606494 WWR#8543904 i 1,1: DB Servicing Corporation servicing affiliate for Discover Bank PO Box 3025 New Albany, OH 43054 R s QPERSONAL INFORMATION 'This informolion is recurred 1. mmalak h, Ao Ik fi. SOCIAL SECURITY NJ W- $ qU-7 DATE OF BIRTH' (must be cl lets, 1 d yrs. of ape) CHECK IF YOU' FULL-TIME STUDENT `OWN RENT OTHER OCCUPATION HOW LONG, YOURANNUALSALARY $_ 3 l Q Q Q PLUS BONUS J. OTHER HOUSEHOLD INCOME' S 3IS, U V _ ARE YOU A U.S. CITIZEN OR A PERMANENT U.S. RESIDENTI YES NO LENGTH OF TIME AT PRESENT ADDRESS (Monlhs/Years) - 44- m ly, _ ......- _ - . . MONTHLY HOUSING PAYMENT' TOTAL HOUSEHOLD INCOME., $ .. b (D .1 OUC- 'Atem?pd/dsp ikasaaxprrndrwno&M"1d pw6ezdwd1Mdo ad qtr bh mtmJiwd asabaMhrp?Yp11h*k0a "krfaw"d;pomw has a maws omud baal" inamm sl 113,000 ro Le ron Lead jar car drawn Cmd. DO YOU HAVE A. I . ;SAVINGS ACCOUNT `CHECKING ACCOUNT HOME PHONE' 7 17'530- 55'C? MOTHER'S^MA`I MAIDEN NAME, ?. ,.1 - - E ER (Urwarsihr R Student) EMPLOYER'S CITY/STATE/ZIP C331 ?, WORK PHON: vt-r+-Vvbt TVUR CARD Please select only one Card design. Clear (1) U Platinum (2) yw do not hied m aplioq you we mown dw ?IdMmm de gn ©StON AND RETU I mod dandm and d .. to p m cr IorloM ta vviN be sN o you agn rdarmaian p the or pormonord rosident I a or older and Ihot 6:a ink SCV3 m vrswr rrcoam =- p owman. I auryooo Iha II6 probdim is epllaomd and I pea cannel al arty dme. I hove read and obwa 1. the gad my financial infonn"on. I how DATE Dis=w Accours06we hrporroel Infom so:I lommd on Iho bock. brat. I cwhly that I am a U.S. d&w y Tided is occurala. Initial hare. A - ab COMPLETE THIS SECTION TO TRANSFER BALANCES from your Viso.' AAwterCardo American Expresli or store card Accounts. See reverse side for other loons or issuers. ACCOUNT NUMBER CREDIT CARD ISSUER TRANSFER AMOUNT $ s r- ?s 8543904 FREE ADDITIONAL CARD. Vilinio M. Hedge 618 Walnut Bolfom Rd. Shippensburg; PA 17257-9648 Please provide a street o&km if above addhss is o P.O. Box, and/or if the above address is inc~. IMTIAL CREDIT, Upp ro $50,00o RERY BY. September 15, 2004 INVITATION M 9871601483634-M-FFP-08-A7ZC FIRST NAME/MIDDLE IWIALAAST NAME EXHIBIT DISC VEK 10DCM0_02BOK_TL22H0210_01363_reader.indd 1-2 YOUR DISCOVERO 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 16-18 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF COVERAGE ............... Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE ..................Page 25 The terms and conditions of this free travel assistance benefit. 02010 Discover Bank, Member FDIC TL221-1.0210 12/15/09 1:37:03 PM HI81T CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discovers Card Account it contains the terms and conditions of your Account, some of which may have clanged from earlier materials provided to you. M the event of any differences, this Agreement shag control. We respect your privacK See the Privacy section on page 10 and our Privacy Policy for additionalinformation. The Arbitration of Disputes section on page 11 includes a waiver of a number of rights, inducting the right to a jury trial. The Right to Reject Arbitration section an 13 descri the procedure you must follow if you desire to reject the Arbitration of Disputes section. DEFINITIONS ................................................... 2 USING YOUR ACCOUNT ......................................... 2 Your Acceptance of this Agreement ............................ 2 Permitted Uses of Your Account ............................... 2 Prohibited Uses of Your Account ............................... 2 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-Pa ment 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 ........................................................... 8 Annual Fee ................................................. 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- IODCMO_02BOK_TL22HO210_01363_reader.indd 34 12/15/09 1:37:03 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 ...................................... Ri h ' 11 g t to Re ect Arbitration ................................... LEGA I T O 13 L N ERPR ATION OF THIS AGREEMENT .. . ................... Severability ................................................ 13 13 Compliance with Interest Rate Limitations .. . ................... 13 Goveming 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, 'Vile," "us' and 'our' refer to Discover Bank, the issuer of your Discover Card. "You,' 'your' or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept this Agreement, including the Arbitration of Disputes section on page 11. You may, however, reject the Arbitration of Disputes section as explained on page 13. Permitted Uses of Your Account Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment. Your Account may be used for personal, family, household and charitable purposes. -2- I 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. If 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 onto 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, if 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. Credh 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 noti us and destroy any Card in that person's possession. You can notify us by telephoning 1.800-DISCOVER (1-800.347-2683), or by writing Discover, PO Box 30943, Sah Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised 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 1.800-DISCOVER (1-800.347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT -3- 12/15/09 1:37:04 PM 84130.0943. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our invest- igation. Your Credit Lines. We will advise you of your Account credit line. We may impose a lower line that will apply to cash advances, referred to as the cash advance 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 Agreement, including, but not limited to, airy finance charge rate, fee or method of computing any balance upon which the finance charge rate is assessed, or add or delete any term to this Agreement We will ggnre you notice of the change in the time and manner required bylaw, wladl 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 exec ons, that we offer you the 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 dunge in accordance with the instructions in the notice provided, we will dose your Account and you will no longer be able to use it for further transactions. You can then pay the remaining balance under the unchanged term. We may also change any term of any product, service or benefit offered in connection with your Account We will notify you as required by law or by the terms of the product, service or benefit MAIONG PAYMENTS Promise to Pa You agree to pay us in U.S. dollars for all purchases, cash advances and talance 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 payyment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. If your Account is a joint Account, each of you agrees to be liable individually and jointly for the entire amount owed on your Account. We can accept late payments or partial payments or checks and money orders marked "payment in fidl' or with any other restrictive endorsement without losing any of our rights under this Agreement Monthly Billing Statement We will send you a billing statement after each -4- monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to your Account during the billing period. It will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period. If your prior month's payment is returned unpaid, your required Minimum Payment Due may be higher than shown on your billing statement. See the Minimum Monthly Payment section on page 5. Monthly Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms 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 5PM 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 cat ory (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, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits in accordance with applicable law. Minimum Monthly Payment The Minimum Payment Due each month will be the greater of: • the New Balance if it is less than $15; • $15 if the New Balance is $15 or more, or • any past due amount plus the greater of: • 2% of the New Balance (excluding current Periodic Finance Charges and Late Fees) rounded up to the nearest dollar or • current Periodic Finance Charges plus Late Fees plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar. We may also include some or all the amount by which you exceed your Account credit line. We may subtract certain fees to calculate the Minimum Payment Due. The Minimum Payment Due 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 -5- 10DCM0_02BOK_TL22H0210_01363_reader.indd 7-6 12/15109 1:37:04 PM days from receipt of your written request. If you do not request a refund, we will automatically refund credit balances greater than $1 that remain in your Account after 6 months. FINANCE CHARGES How We Calculate Periodic Finance Charges. 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 close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the billing 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 app payments to your Account based on the Annual Percentage Rate app icable to the balance of each transaction category. This means that if 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 11365th 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 daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day as shown on your billing statement, unless the transaction is posted to your Account after the close 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 -6- I 9-10 the billing period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that 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 Merest 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 pants to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points)." For urposes of this Agreement, the Prime Rate is the highest rate of interest Pstr 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 by 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 Default 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 -7- 12/15/09 1:37:04 PM I Rate for the first twelve billing periods after your Account is first opened. If your Annual Percentage Rate for purchases, balance transfers or cash advances was increased to a Default Rate, we will, to the extent required by applicable law, periodically review your Account to determine if any of your Annual Percentage Rates should be reduced. Any reduced Annual Percentage Rates on new and existing balances may be different and may be higher than your previous standard Annual Percentage Rates for purchases, balance transfers and/or 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 $10 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 fors of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cash advance transaction category and add up these amounts. Balance Transfer Transaction Fee Finance Charges. 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 S.50 for any billing period in which Periodic Finance Charges of less than S.50 would otherwise be imposed. Account Set-up Fee Finance Charge. M 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 -8- of each anniversary year your Account is open. The Annual Fee is not 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. 0 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 copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Detault You are in default if you become insolvent; if you file a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to us, if you are declared incompetent by a court or i a court appoints a guardian for you or a conservator for your assets; if you die; if you fail to comply with the terms of this Agreement, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of DefautL 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 1-800-DISCOVER (1-800.347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-M3. 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 Both remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend your Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must -9- 10DCM0_02BOK_TL22H0210_01363_reader.indd 11-12 12115/09 1:37:04 PM return any Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy PoI4 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 reporL 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 19850.5316. Please include your name, address, home telephone number and Account number. Our Communications with You. You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to calls we make to collect debts. We may use any medium permitted by law, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, e-mail and calls to your cell phone to contact you about your Account or to 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, you must either telephone us at 1-8004DISCOVER (1-800-347-2683) or write to us at Discover, PO Box 30961, Salt Lake City, UT 30961-0961 Releasing Information About Your Account We provide various methods by which you can obtain information about your Account We will only 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 - Charhges 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 11-B00-DISCOVER (1-800-347-2683or by writing Discover, PO Box 30943, Salt Lake City, UT 84130.0943. If your Account its 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 -10- merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will investigate the dispute. If we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your daim against the merchant andlor 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 applcation, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initiating, joining or participating in any judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ("Claim Notice"), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any 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 LLQ, predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover, PO Box 3024, New 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 attomey'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 enforceabilgity or scope of this arbitration provision, of the Agreement or of a nor bin Ting arbitration. IF you or we m elect to resolve the claim or EITHER YOU R 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 else to the contrary in this arbitration Provision, only a court, and not an arbitrator, shall determine the validity effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court if any, unless such action is transferred, removed or appealed to a different court. Governing Law and Rules. Your Account involves interstate commerce and this provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) or 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, -11- 10DCM0_02BOK_TL22H0210_01363_reader.indd 13-14 12/15/09 1:37:05 PM contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, 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 praeeded in court In no event will you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court. If requested by any party, the arbitrator shall write an opinion containing the 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 may appeal the award within 30 days to a three-arbitrator panel, which shall review the award de now. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Jud ment 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 codefendant 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- benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termination of your Account as well as voluntary payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account Right to Reject Arbitration. You ma eject the Arbitration of sputes section by pviding us a notice of re within 30 days after receiving a Card, at the folowing address: Discover, PO Box 30938, Soh Lake City, UT 84130.0938. If you were ppreviously suty'ect 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 willll 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 MITPRPRETATION OF THIS AGREEMENT Severability. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with Interest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law. If it is ever finally determined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that you have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agreement will be gwensed by applxAble federal law and, to the extent state law applies DDeellaware 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 MACY POUCY We are required by federal law to provide you with a copy of our Privacy Policy each year. H you have previously notified us about your privacy preferences, as described in Section 4, it is not necessary to do so again unless you decide to change your preferences. -13- 10DCM0_02BOK_TL22H0210_01363_reader.indd 15-16 12115/09 1:37:05 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. it includes a summary of the following important information: • A listing of the personal information we collect; • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. It will help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from consumer reporting agencies, and from other sources, such as our Web sites. For example: • We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. • We may obtain information such as Account balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings with us and others. • We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provider, your e-mail address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared with Others? We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer that accepts the Discover. Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who may be interested in the offer based on certain characteristics. We will send the offer directly to those Cardmembers on behalf of the retailer by for example, including an insert in their monthly biliin 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 -14- 10DCMO_02BOK_TL22H0210_01363_reader.indd 17.18 adhere to our privacy standards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose it to others without our prior approval. a. Sharing Personal information with Our Corporate Family Our corporate family offers a variety of products and services that can help you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. b. Sharing Personal Information with Non-Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third parties, including those that accept the Discover Card, in order to provide you with access to product 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 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 it in order to service your Account or provide products and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process. Where third parties provide support services, we require them to conform to our privacy standards. It is important that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover, PO Box 30943, Saft Lake City, UT 84130-0943 so that we can update this information. 4. How Can You Lknit Sharing of Information About You? We respect your privacy and offer you choices as to whether we may share information abort 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 1.800.225.5202 or write to Discover, PO Box 30%1, Sah Lake City, UT 841304)961. 0 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 -15- 12/15/09 1:37:05 PM number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you 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 opppoortunity to inform us about your preferences. If you are an existing Cardmember, please understand that you may continue to receive marketing offers Vase 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 specified, it applies to the family of Discover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered in connection with the service, which will not be shared). it is part of your Cardmember Agreement and provides a further explanation of how we collect and share information. You may have other rights under state laws that apply to this information. Please note that you will also receive privacy notices for other credit card accounts you have with us, as well as other financial products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice. Vermont Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 1800 OVER (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. 1. Notify Us in Case of Errors or Questions About Your Bill If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address -16- listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • your name and Account number. • your dollar amount of the suspected error. • describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Z 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, inducting finance charges and we can apply any unpaid amount against your Account credit limit. You do not have to pa 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 paythe finance charges, and you will have to make up any missed payments on the questioned amount In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent However, if our explanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services, There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. A Purchases Made with Check; 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 -17- 1ODCMO_02BOK_TL22HO210_01363_reader.indd 19.20 12/15/09 1:37:05 PM services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE 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 preceding the departure of a Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident MAXIMUM LIMIT OF INSURANCE: If more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of insurance ($20,000,000) per Accident. If an Accident results in Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum 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 Company's liability for all such Losses will be limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Life. Benefits will be Piroportionately divided among the Insured Persons up to the maximum mit 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. Acddental BodBv means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this policy is in force. Accou means a Card account. Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account CW 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 Trio 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. _18- )?derrt Child or Childs means those children, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanently mentally or physically challenged and incapable of self support; or (3) underthe age of 25 and classified as full-time students at an institution of higher learning. Domestic Partner means a person who: (1) is at least 18 years of age and competent to enter into a contract; (2) is not related to the Insured Person by blvd; (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. HlUrd 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. I&M means the Loss of Life. Loss of Ufe means death, including clinical death determined by the local governing medical authorities. Policvholder 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 Air Bne 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. W 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: H the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdown of any Scheduled Aircraft or conveyance in which the Insured Person was covered as an occupant, R will be assumed, subject to all other temp 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 -19_ tODCMO_02BOK_TL22HO210_01363_reader.indd 21-22 12/15/09 1:37:06 PM on the earlier of: (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember. COST: This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Policyholder pays the full cost of the insurance. THE BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by you. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) your spouse; b) your children; c) your parents d) your brothers and sisters, e) your estate. All other indemnities will be paid to you. If you wish to change your beneficiary, you may request a beneficiary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at BeneficiaryrequestOTheDirectMG.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 caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (5) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Loss covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the forms, you should 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. 20 - IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1.800 CLAIMS-0 (14800.252.4670). 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: CHUBS GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number. 1-800-300.2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summa of the principal provisions of the insurance while in effect. Complete icy provisions are contained in the Master Policy, which can be obtain from the Policyholder: Policy #9906.18.06 Policy Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a member insurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE DiscoverO 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 Value means the cost to repair or replace the Rented Automobile at the time of loss, less depredation. Satdmern means the holder of the Card whose name appears on the credit card. Qrd means the Discover Card. Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion. Comoapy means the Federal Insurance Company. Insured means Cardmembers and authorized users of the Account. Policvholder means DFS Services LLC, the entity responsible for the payment of premium. Rental Aaena means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automobile means a four-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented -21- 1ODCMO_02BOK-TL22HO210_01363_reader.indd 23-24 12/15/09 1:37:06 PM Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: • The Collision Damage Waiver Coverage is provided to you, as an Insured, 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 agreemenUcontract. • 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 Pdiry 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'urryy or personal liability. It does not cover you for any damages to other ve?icles or property. It does not cover you for any injury to any party. WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Offload, antique or limited edition motor vehicles; trucks; recreational vehicles, campers, pickup trucks, and mini-buses; limited edition motor vehicles or high value, exotic, high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds 150,000, 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 15 NOT COVERED: Coverage does not app to loss resulting from the following: • Any dishonest, frauddu ent or criminal act of the Insured. • Forgery by the Insured. • Loss due to war or confiscation by authorities. • Lass due to nuclear reaction or radioactive contamination. • The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physician. • Use of the Rented Automobile to carry passengers and property for hire. • Use of the Rented Automobile by a person other than the one authorized -22- 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 appply: (1) the period of insurance coverage will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided the Card to the Insured for business use, and (2) the insurance provided by this plan will be excess over any other valid and collectible insurance covering the Rented Automobile. However, the insurance provided under this plan may be primary if specifically provided for under the terms of this plan and if the following criteria is met: (a) the Rented Automobfie 6 rented for use outside the United States, its territories and possessions; (b) the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (c) the Rented Automobile is rented without a driver. HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the event of a claim, written or verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 11.800dUdMS-0 (14802524670). You can also go to the Comparry Web site (wwwchubb 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 233274700 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. • Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance carrier(s). • If no other insurance is applicable, a notarized statement from the Insured to that effect. -23- 10DCM0_02BOK_TL22H0210_01363_reader.indd 25-26 12/15/09 1:37:06 PM Reminder. Please refer to the Insurance Disclosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect Complete provisions pertaining to this plan of insurance are contained in the master policy on He 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 66164 15 Mountain View Road, PO Box 1615 Warren, N107061-1651 Master Policy Number. 9906.17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, advertising, and/or brochures by any party. Policyholder and Company reserve the right to change the benefits and features of these programs at any time. Cancelation: 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 notto renew the coverage to Policyholder, you will be notified as soon as is practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than the Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds andlor damages under or arising out of this coverage. These benefits do not apply if your Card pprivileges 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 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. -24- 10DCM0_02BOK_TL22H0210_01363_reader.indd 27.28 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 ad of the Company, its employees or representatives in connection with the investigation of any loss or claim will be deemed a waiver of any defense and such acts shall be deemed to have been made or done without prejudice to the Companys liability. No Benefit to Others: This coverage will in no way inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. Subrogation; It is a condition of this insurance that if the Company pays the Insured for a loss, it will require the Insured to assign and transfer any claim or right of action aggainst 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 Comany and to return to the Company any recovery to the extent payment of, oss 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 CONDMONS 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.comltravel 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" Charges. Global Traveler's Hotline is not insurance, so you will be responsible for all third- pa rty 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 1-600-DISCOVER (1-800-347.26833) for assistance or if you have questions about a specific destination. Outside the U.S., call us collect at 1401-902-3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided bythird parties. The services and these terms and conditions are subject to change without notice. 25 - 12115/09 1:37:07 PM New Balance Minimum Payment Due DISCOVER $7,501.75 $149.00 Poyment Due Dots May 9, 2007 1 D SDSN8A01 0014428 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 f Enter Amount Enclosed Below 11 Please make check payable to Discover Platinum Cord or pay online f9 Diacovercard cci r Go paperless and make your account information more secure with pasword. protected statements only you can saxes. Leam more at discover.comlpaperfess. PO BOX 71084 11111111 Nell loll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change6 Print change in space Inlilluluililluiliililnrllllrnlulnlullulrilrr6lBill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458215636511075017500175000014900 Discover Platinum Card Account Summary Closing Date: April 10, 2007 page 1 of 1 Account number ending in 6494 Previous Balance $0.00 Payment Due Date May 9, 2007 Payments And Credits 442.00 Minimum Payment Due $149.00 Purchases + 7,856.23 Credit Limit $9,000.00 Cash Advances + 0.00 Credit Available $1,498.00 Balance Transfers + 0.00 Cash Credit Limit $4,500.00 Firranee Clsarges _?_ ?? + 87.52 Cash Credit Available $1,498.00 New Balance $7,501.75 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 48.19 New Cashbock Bonus This Period + 9.00 Cashbock Bom:B36 Anniversary Month: August Cashbadc Bonus Balance $ 48.19 CONGRATULATIONSI Your Cashback Bomu(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1.800-347.2683) to get your share of America's kl Cash Rewards Program. How Can We Help You? 1. Visit Discewr corn to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call I.800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Writs 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 L D o ete Date Payrrrenb and Gedils Mar 30 Mar 30 PAYMENT • THANK YOU $ -267.00 Apr 9 Apr 9 PAYMENT • THANK YOU -175.00 OOW/Miseeuwwms Mar 25 Mar 25 TRANSFER OF BAL FROM 6011 0028 $076 9427 785623 E XHIBIT 4 --- _7 Finance Char e Summar g y Nominal Transaction Average Deity ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERC9ITAtrE FINANa F Bohr csr s Rates RATES RATES GLAMS CHARGES current billing period: 31 days Purchases $7784.27 0,03627% 13.24% V 13.24% $87.52 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (f) or they may vary (V) as noted above tapatad tdwwAdon. Ntian a more teen as papa etas bikrg dabmrrd, we die bo*d each paps for sddi mw wpabrd MkmM rt. -- due your Cwdmb n wAyrwnMd. 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All fees ? ees dww cult adv ywAmount we added t to to clenched purdrss brreckm ceftMwth to exeeplon of Cads Adwroe Traroaam Fee Fnrtoe Chaps Ovdt are added to cebM rd Balrm Treater Troscl m fee F reawa ChwW wlxdr ore added b to appkads batartae taralrlraraaCkon abgay When tie speed rob exposo, we mow to (sped balerta of tie balalt, tests ad to Below Twel r Tr*vKbm fee franc Charges to to abet 1, tucton kerv subon care - H mm. d tie wocal rob has been rmwrded under to Debut Raw Pion, we love da toped bdrtoe of to bebnce Warder eyed do Balm Twalr Twaa.'bm Fes nano Clwps n to appkabb tasackm atspay wN to spsael rob world hew expired FaTDD (Tel--wed 40-haute 1wta Desoantoogm, cat 14W907.7149. Drsoove may mxdbr ardor record bteptwo alb between you sd Diaawr rapra$WAVs to guatey as"ance pupae, The Dsoovrs cod a mued by Osawr Bank, Moryber FDIC. O1TBK107 New Balance Minimum Payment Dw Account Number ending in 6494 DISCOVER s7,s97.49 $157.00 Enlsr Amount Enclosed Below Payment Due Doh $ June 9, 2007 Please make check payable to Discover Card or pay online O Discovercard.com. 10 SDSN6AO1 0014429 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Address, e-mail or telephone chargs4 Print change in space above, or go to Discowr.com. Print your e-mail address to receive important Account information and special offers. Go poperiess and make your account information more secure with password- pr?eded ataterrtarlta only you can aces. ream more at discovercomlpaperkss. PO BOX 71084 111111 111 gall 11 CHARLOTTE NC 28272-1084 000001986458215636511078974900200000015700 Discover More Card Account Summary Closing Date: " 10, 2007 pop 1 of 2 Account number ending in 6494 Payment Due Dote June 9, 2007 Minimum Payment Due $157.00 Credit Limit $9,000.00 Credit Available $1,102.00 Cash Credit limit $4,500.00 Cash Credit Available $1,102.00 Previous Balance $7,501.75 Payments And Credits 200.00 Purchases + 509.98 Cash Advonees + 0.00 Balance Transfers + 0.00 Finance tlrages + 85.76 New Balance _ $7,897.49 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshback Bonus Balance $ 48.19 Now Cashbock Bonus This Period + 1.27 Cashback Bonus Balance $ 49.46 Coshback BonusS Anniversary Month: August CONGRATUTATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discowrcard.com or call 1.800-DISCOVER (1 .804347.2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? P I . Visit Discover.com to pay year bit for no test, yi.w t A i l f d r ccount ates n ormation, earn an redeem ward.. nd 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 o 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 Guaranho Use your Discover Card with confidence. Post D ate ? Payments and Credits Apr 29 Apr 29 PAYMENT - THANK YOU $ -200.00 Merchandlio/Retm1 May 3 May 3 IN THE SWIKCATALOG 804288.7946 IL 124.98 08956644000 Travel/6n eraiisinad Apr I 1 Apr 11 AC CENTRAL RESERVATION NORTHFIELD W 385.00 For You Balance Transfer offer for current billing period: Daily Periodic Rata: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rah is subject to the terms of the offer including expiration. Earn 5% Cashbaek Bonus and moro at these new online retaileml ShopDiecover has just added mom top online retailers such as Kohb.com, AnnTaybrlok.com, PetSmart.com and American Eagle (AE.com), to an already great selection so you can build rewards faster. Visit ShopDiscoyer at Discoywcard.com/shop and start shopping todayl Your Discover(R) Card has you covered with Complete Fraud Protection for your psac* of mind. Our advanced froud warnings mean you'll know right away should any suspicious activity occur. And iF your card is lost or stolen, you how $0 fraud liability guarantee-you're not responsible for any frouduferN charges. Impmpnt tdcematm tit do a more than a16 peps b Oat txtnp sWenent, as the back of each papa for admionel rrpalnt naW11111aban. Sae your C00dlaanbr Apm non Your Cerdnarrbar eprarrant OMMm r to bma d your Acmmt Loaor nbWac" RepoRamwdrMylCaA1804347.2683 MVRlphe tweireirr bConofEnomor Questions About YourBNHyyoouu11rnNyour blawrong,atyouneed mommbmAmmout amiabmon your bN,wnlaaona seprab sheet of paper at Dacoaer, PO Box 30421. Sw lake City UT B4130?W21, ! San a Pca&. Wa mutt has tom you no IOW Mien 60 days after we ant you the Irsl bN n which the mar or p dAm appeared you can Wephorb m but drp so wN not peeve yon nphe. in your Weer, gee us to talawg i f ornatpn: • Yon rime mdAccoad nanber • The door arnarrtof 110 sunparnad mat Deaade tie artor and agneah dyou an, why you blew tiers mien error O you need more rdonrabon desctie to item you are mann about. You do od have b pay any mount in quaton whir we are ehwalpabrp, but you tae sd ON" b pay the parts of ME bil to an not in question. Wldswe nvaaapeb your r esmweanalrepxtyouasdeinquenlatakeayadornbmkstieWNWyougabs SWW Rae for Copt Card Pardaew Oyou havea problem wdh tie quafny dpoodt or services pat you prdhased wdh a asdi and end you have Mal in good Imb to coned to probes w4 h ft mordant you may not taw b pay tie rarmakap morn due on togoada or srviae. You fame to p olsol m only when 110 puchea pace was more than $50 and to prdhaaa wee made n your fame sWO a whin 100 mind your nelnp address (Owe own oroprae to merchaK or two meted you the adwrtanorn for to good or erwaa. al to purchase are covered mgwdlea of the mount or bcalon of to p schmse.) Paymada Said Only )aurpyrtat 00d to loP PAM Of tie aelanla t n the m atop prowled. Do not send cash By srmi rg your dad a deacnbed above, you nrlham0 us b use wavwon on your deck b mace rd aWceaac turd tanar Jim your sco m at tie henoW iisduAon indicated an you check or to pmcea tie p*nW a a loch tar sKbm t to psyrtom r pooaad a n Owlasa ksd tarnhr, tie teralr wN be for is arrbnn tithe deck Wtm vie use rdomaaon tan your dads b nab an dK mac bra tneler, fade may be wndrawn from your scomil as soar as is awns day we mcmw you parmiL 00d you wN not moenve your deck brit tan your fnrara rsteAaa The pon9 of your pin maybe daleyerf you serdauk omapadsna or dlaarms witi yaw psymrrt, t you Saul tv payeaart.to any ode addem orff you+w an wwalops of er tin IM One prowled Pop" ecerwd in propr tam r our pocesug holly by 5PM local lime an an day wN be aadied to your Account a at to day. Peynnere roomed at our poassung Jacky esker 5PM bat Was, wN be aediad b yarAmount as of go next day t you honmxepeced your enwfapa, and year Paynanl to DWoom,, PO Bat 6103, Carol Steam. K. 601974103 Rae dow 7-10 days for delmmy tyoa paynarn a mUmd upad, we rown the n p to rarrbla it as an sloctom0 debit You can pay your oueaxam paymrnora paaor erh0ad aver to Magmas, and you con ad op aubratc prprana Cd w r 1400.34728 1 You wit and to sbbnhenl and your banlc aoceu t nfanrotiom. You mast amain IN ad mil U* am avai6lo in you bw* account, rd r truactina muse co" wtti U S Nut You wil be aabd b pmida the 1x15 dodyouscoolAa11lmarnZIP manByeatrrgtxwMention nyodreledol sagWue,youwNbeapwrgbtissutafafanbakwasandyawbarkb deduct each paynhant you r*am tom your beak acaxrd, and b r slit dnbl or aedi antes b yaw beik amwd, a applicable, b cared am in tie pmomema hg of such psgnan. You mien bll us to amount of each paywan or you can select an amount auoh a Maw" Paymam Due or to Near Barra m each skwmAt. you amCanow a paymra, however we mud" nobs r Was tree buaaa days in advance, of da sdhadnad pryrnra You may nobly in by phone all 1-WOLN7 2683 or by mat at to addma filled in to prriar prapaph. Oyour psyaarrb may wry n arum we wR et you on each madny afaWnrn when your p>wom will be made ad tare mar swat be. Yes Ahnmuwc pyno amouus my be lea pen to rdcdW n tie mwj* swA am band n aea or prpw* applied drip to brting yde Qu* RR"ortt V% may repot rnarmahon abort youraccount b ask bureaus Lm paynra, naaed privates. or oter daW * on your amour a" be naI , in your Q d ?ady FWM is onus and parxims Mort' of your Aooomt b MW mpaarap WON each month. If you believe tat our repot a aacanao of mmose, aerne koAowing 11 rel. Daoowr. PO Box 15316, Wkirgbn, DE 198504316. Please include you nna, addasa, tome teephbre mrabe rdAooourn r unb00. PERIODIC FKVACE CNAGES. Prenlic Frans CbmrIgres are wfoadmaA taaraacbom tom to doe to braaban m paned b pwAm W umi the date you pyyonenra Now BW m, by mWwg pwpwb orr wV aedie lbawvw, we wi pravude tie bYowrg'gaca prgd t you pied to Now Belrrca on Mn prvian bNnpalawwri by to Paynan Due Due olh wn an tat steenanl, and you pay tie New Bounce by Ow Promit Due bate m to slaanead we wN not wpm Penodc France Ch"m on new pxcienee, fist a, prdsees fat apparbg on On aarrent Otl imm", you will receive a bang ahknrnt next n)c* tie ncl del Predo Fm arm Gsrgm an tpae new puucleas Thee a no gave priori on balance brawn or aahscharim. We sat yaw baaosuoa lab gape dpurdsas, cash adwnon. and balance tanaWre rod tan hats am to tmsarfiaa with each gaup by tiaArasl Pareanage Rae. For mumble pudaan uEpd b a prcn abonol vas and purnnasm rbpd so mantled oe would be sw rre goga. We refer to low gaups a luwction owporms. At the end of each blab parlod we ompute Perndc France Omega for each day o to b&q prod to se cl traction Od"Y We use to knbrahp egka6mb ohnplna Parodic ? y ? Avmp Daily Bona x nnNr of days in to blip period x Day Prbdc Rals. (See to cram dope marry on your aarrsmfor tea nourshowsnta) Tzem hen war n, because of to Charges for each taaaediaa ale" b gel is bel Parade Fierce f herpes for you Aomuat The average Daly Balance a Rsoe period, no Prbduc France Charges apply to the balance in a tarsacion cob" lea oa tut Avrape Daly 51100100 fndudlrp new twooftm) o wad of alaiaing to bdwm upon which we impae PW4* Frame Charges. We mnpaa taAverage Dry Belem fa each I naagon me" bys* ft up r IN daffy balanos in s bkhp pared for a braectim caegay art doling the bW by the rennhar of drys n 1116 DRnp kyle WeconpMtiedrybalm breach braachoncall" neach leybyfiraddaptheb wepbtoprotourdrysdryb"ice,traactmamm*Vatdayleadagrh 85 Parody tleF c69 (by of to e Chmiges baccrued an #W gamut in fwhiy If it a rae 1s pored b your A co nt after to does of the bfig period in wham A occurs, we wit ter to transaction xwW Pow your Account, AA bee longed b your Aoceu t are adbd to to slrWard purdws laaaaim celegory, wahte exception of Cash Advance Twaotim Fee France Omegas which we added b to appicahb cash adwnoe ?rraYm cabpoy and Balance Transfer Traeacbn Fee Fraha Charges which am eddied b to appbmW belruce baler brrecam cMem Wash Oa vacial rear wpm, we mow is aped balance of tie balance tenser and the Balance Trea6er Thme ecom Fee Frans (gaga to to sbaderd prduee tanaecbm atetry Hoawwr, me apea11 sae has been aarmrsled under No DOW Rate Plan we WWe ohs unpeN balance of to balance transW and the Barron Throw Transaction Fee France Charts in to Whmble remotion, caepory Lad to VmW nee would taw exprrl. For TDD (Telsoaaaralcatms Device for the Dn4 seebbrs, aA i- M4347.744/. Dewar May moron ardor road W WO ak beMeen you and Dacewr npramtatva for quokly ameance purposes The Dhsmvre card is armed by Discover Bank, Maribor FDIC. O1T5K107 SCIE •• I HEDGE, VIRGiNIA M DISCOVER pop to JI Account number er ending in 6494 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait For it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Dosing Dais: May 10, 2007 page 2 of 2 853390 finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bakiric Rates RATES RATES CHARGES CHARGES current billing period: 30 days _ 'Purchases $7881.57 003627% 13.24% V 13.24% $85.76 $0 Cash Advances $0 0.06299% 22.99% F 22.99% so $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.own or call 1-800-DISCOVER (1-800-347-2683. 02009 Di•cwer Bank, &%mbx FCC New Balance Minimum Payment Due Account Number ending in 6494 DISCOVER $7,785.32 $154.00 Enter Amount Enclosed Below Payment Due Dote $ July 9, 2007 Please make check payable to Discover Card or pay online Q Discovercard.com. 10 SDSN6A01 0014430 HEDGE, VIRGINIA M information rm?more?urewyour account ith pesviord. WALNUT BOTTOM RD protected statements only you can access. SHIPPENSBURG PA 17257-9648 Learn more at discovercorn(paperkss. PO BOX 71084 IUslrlbrur1111611111 rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?nlrllnlnr?rlln?lulr?rnllllnrlnln?ullrrlululrlul? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers 000001986458215636511077853200200000015400 Discover More Card Account Summary Closing Date: June 10, 2007 page 1 of 1 Account number ending in 6494 Previous Balance $7,897.49 Payment Due Date July 9, 2007 Payments And Credit 200.00 Minimum Payment Due $154.00 Purchases + 0.00 Credit Limit $9,000.00 Cash Advances + 0.00 Credit Available $1,214.00 Balance Transfers + 0.00 Cash Credit Limit $4,500.00 Fiance Charges + 87.83 Cash Credit Available $1,214.00 New Balance $7,785.32 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 49.46 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 49A6 Coshback Bonus® Anniversary Month: August CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Diacovercard.com or c. 11 1.800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? I? 1. Visit Discover core to pay year bill for no cod, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call I.800•DISCOVER (347-2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Payments and Credits May 22 May 22 PAYMENT -THANK YOU $ -20000 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%, corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subiect to the terms of the offer including expiration. Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily PERCENTAGE PERCENTAGE FINANCE F*W4CfE Rates CHARGES current billing period: 31 days _ Purchases $7811.13 0.03627% 13.24% V 13.24% $87.83 $0 Cash Advances $0 0.06299% 2299% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Get 5% Cashback Bonus(R) from July through September on gas, hotels, and admission to theme parks, water parks, museums, aquariums and zoos with the Get More program. Sign up at Discovercard.com or call 1.800-DISCOVER (1-800.347-2683). kWrW t ntrrnetorr N Nnre a mere fm one pope b tas biag W mart, see the beds of each Pape braddlkaml anporlarf nbrtnekon. Sae yarn Cwdmmm wApnernart Yam Car In tuber agreement contains all the Wins of you Acomt Last or Moles wale Report amodlahalya Cr 14"7.26B3 W&V RiYhb Swwnary. in Can of Enna or Queelone hbow Your Bit. N you ft* yorr bM a wro% or f you need more rfomrelan abo A a Iremeclim on your bill, wale to on a seperab abet of paper M D mw, PO Box 30421. Sak Lake City. UT 841304421, as soon as possible We must hear fran you no War than 60 days star we cant you the 4o bill on which the error or p obkm appeared You can bbphoro us, but doing so will not preserve your rights. In your letter, on us the folowrp adormekon • Your nerne and Account remilm The dollar annum of in aapeded are • Describe ft a= and organ, d you am, why you below two w an error. N you need mare aformabon, desonbe to item you are m me about You do not have b pay any mramt in question 06 we at msetgdnp, but you are ad obkdW to pay tie pens of yocr bit fist am rat in pa lion. Wide via nvsmgm yar queebm we arms! report you a dekquanta take any action to collect the amount you question. Spatial Ram forCradk Card Pwdm@L- N you have a prohlan w oh to q okly of goods or services to you p ichased with a audit old and you hove tried in good bah to caned the WobWm w O to nwrdhat, you may not hew to pay to remiap anima due on the goods amino". You hoveMn probobon only when the pudnase price was more tan $50 and ft pudwse was made in yaw hone aid& or within 109 miss of yaw nmhV address (N we awn oroperm to madmnt, or t we mated you Ihs advaaaarwrt for the good or services, al to padrss we covered mp n bu of the emorra or bcdon of tie purdwse Paynwnle. Said only yorrpsynwra and tw tap portion of to slelenwm in the arwalop proWed Do nol send ash By m*V your dmk n desubW above, you a *um us to use m b mebm on yowdwdc to rinks ahd abckonc fund barobr tom your smohnl at the lkhernciel insibu ash abated on yam died or b proceu to psrrwa a a rhea brwecbon. Ntw poymant n proc- n an electronic ford Werar, the trawler will be for the am ml of to dwdc When we use rfom amen lrom yow dwdr b make on d edrom kind transfer, krmh may be wtlMrewn from you amm" a soon as to a" day we receive your pmymert acl you will not moo we you che& bads from your banal awakAon The bloc ssiv dyar peyabot nwybe delayed t you send ash, mnapordaros or other am with you psymenl, f you send the puyanenl b any other address or f you as an anwlope dawn thn to am pravded Permits mosead in proper form at our processap Wily by 5PM loW Imo an any day will be credtled to your Aocoo as of ft clay. Permits received at arrr proaaanp 1eoMy afar 5PM kxml Wm vii be credifed b your Accoumas of the next day N you have ramplaoed yaw envelope, send your Iwyaora to DNoover, PO Box 6103, Cad Sbeem, IL2197.6103. Pease dow 7-10 days for d*my N you Pageant w reammd unpaid, we raw" 00 right b rwArM to an WsclromdeW You can pay you meNmrn psyrnenl ere Siemeramore Wier aria bbphao, and you an set up araamae psynwnN. Cat us at t aWMAM Yar vii coed tone submiat and you bait somua rbrrmbon You name ensure that aAwd kids we svelable in yarbank aomua. ad all WMCbMw cowl ccenply wilh U,S. low You will be aabd b prow* fw fine 5 dirt ofyou sooout dtbmwt ZIP Cade By emeimg Mau nwdAm n yow do*am wwWAme, you wi baaWmI b to alllwllLwOn b Mow us wind gar bank b deduat eeah peyrmrt you aahazrkom you beak senora, and In node debt a m& anion b yaw bankamounk n ap *ubb, to Dorsett error in Mo pro0eseag d auch permit. You rrAm fell us fo amara of each payment, or you an select an errraaa PA as ktmnrr Paysnat Dues to New Bdmhe an each abdnwnt. Yea an "noel a PMn$. harrow we mat nraiw rim= at lest twee Wanness days in adwimce Of In scheduled poymrt You may npbfy us by phone at 1400347,2883 OF bymmi at ft ad* fiabd n the previca WV8Ph. N your psyrrwnls may vary in an" we will Id youo n each morally, slelamd when your peywsert will be mate and taw nick a will be Y. Aubmakc peymnera anoint iney be tin dren to fuu 1, n the nwft sbWrwt based onaW b a paymnb appbW dung to bikg oyde. Cm& Repo Stp We may report m bnmbm "bap youacomra b a" bweate. tale psynhen s. nlweed payment. or ethar deft& an yar amamt may be rabcled in yow -M report. We no nwty report to seven and Pwnmt ham of yw Acmmnl to auk mporbg apmcies eadr math N you bel" tad ota report is rimmame or rhcohrpble, plum wile a of the fatawtg ad4nc D ocow ,, PO Box 15318, Wilr"Vxq DE 196505315 Please mkide yorr perm, ad* m, form bbphom renter wAAcmrma ramraw. PFJi M FN4WCE CKWM. Perrad0 Finance Chargm are on M Irmuce0ne from the dote to tamecbm w podW b yourAaxxed until to dale you pay you mire New &IW= by mal rg payrrwnt a recenirg craft I-lowever we vii provde to btawrg'Wraa pwoe N you Pad fire Newedam onyou paviao bung wovmt by the Papurd No Deb shown an dart stmemnt, and you pay the New Balance by the Psynrert Due Ogle on two smairwiN we WO not arpaea Psi Finance fxwrga on new Padmw Ihm N, phrdrese bM appw an On stbrnml. Otlwrwae, you will soave a birg sbbamnl nod mash ft includes Pe oclo Frwrroe Chagas on those new puohaea, Than w ne grace perrodanbeWnoe kenalas a enh advnas We am Ycw Will"CAVIS NO For examriple P baape e? adwnoee, and balance Installers and Ow Aruwr sat trio bawacbom Wait each gong by twin Aral Paroeraepe Rate and of esdh limp prod we oanprtr pronichonal Pechora Fe uwoe prduwa subject to sftndad roe would be sepame Wop We refer to twoegraps a Mersolon or"orms. At to pmgm fa each day of tobltg paned for a" traneaabM abpory We use fw tlIONIg eprk0n b oomPUMPerio(bc for each trumaion amagay A Defy I3obnee x ranter d days in sew Wig period x Dry Periodic Roe (sea fw finance charge eWrmary on yam sevlenwat for two anmb) Than wemdd up go Pemdc Fmmas Cfw gos for asch Vemsdm mMM to gel to loll Periodic Fauna Charges for your Acoout The sverape Daly &Owm is shown n zero f, becomes dtw Woos period, no PaIOdC Few= Ch"m apply to the belence in a transaction aiagay. WO m fill AA Daly Odom Bslrna l (Nwkd% new kansecbon) Ow" d cWmk q ft bdma neon which we npose Pertobc France Chagas ft am" f Mars{p Daily abgay by samrg rp all ice defy hdanoes in a bung perhdfor a Varwaaon ategory and divrdrg ft avid bytw nmbrddays in to bifig cycle We oanpule ao dry, below for each bansaciln asbgay err each day by lest ad ft In btowrg to to prevan dogs drybdmw, In rabob" rode fwt fendmqpd that day rid Pandit From Ch"maaauednthenday Nakannakonwposkhdb yarAomWafter todoseofthebibgMMmwfadndoocin wewdbast dwtransaction a More moiered on the *9 day of to Wig period in which t is ponied b yourAccourt AN fib Amami ere added b ft dnded grown trawactn oatTory wpb to axoopfon of Cub Advrhoe Tronoecbn Fee Finance Chargse which are adad b to eAD Vrwaaam OMBM end Bebnoe TmWw Tmnmbon Fee Fnmu Owrpn which we added to to eppkcebb batnoe karWr tanncan od@M When to spatial rate a*=. we mow to taped betme of to Warm tranebr and to Bdwm TmNW TrarNacio n In Faunas Charges b the, standard pudwss Vivisection category Ifowsm. f to Special We has been Wffwwled wider the DefrN Raft Plan, we lases sew WOW balance of the balance transfer and the Balahe Trench Tranuckon Foe Finance Chergu in the appicubb Misacbn cabpay anal the spwW rate would have expaW Far TDD Reboeamunlptlao Device for the Dom) mbWv e, call l4M347.7449, Dmmw may manor NWN record telephone calls between you and Dscom represeraaeva for qual y aeeurroe purposes The Dtlhcar• card a Neind by Dscom Be*, Member FDIC. OlITBK107 DISCOVER New Balance Minimum Payment Due $8,349.54 $166.00 Payment Due Date August 9, 2007 10 SDSN6A01 0014431 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below Please make chock payable to Discover Card or pay online @ Discovercard.com. Go peperless and make your account information more secure with password- protected statements only you can access. Loam more at discover.comfpaperim, PO BOX 71084 n1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in spats ?n)n?)n)ur?r))ur)a)n?nn???)nn?n?u)n?)nn)u?n?r)n)) above, or go to Discowr.com Print your e-mail address to receive important Account information and special offers. 000001966458215636511083495400200000016600 Discover More Card Account Summary Closing Dais; July 10, 2007 page 1 of 2 Account number ending in 6494 Payment Duo Date August 9, 2007 Minimum Payment Due $166.00 Credit Limit $9,000.00 Credit Available $65000 Cash Credit Limit $4,500.00 Cash Credit Available $650.00 Previous Balance $7,785.32 Payments And Credits 200.00 Purchases + 672.80 Cash Advances + 0.00 Balance Transfers + 0.00 ?_ ! Chw?es + 91.42 New Balance $8,349.54 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 49.46 New Cashback Bonus This Period + 1.68 Cashback Bonus Balance S 51.14 Cashback Bonus® Anniversary Month: August CONGRATULATIONSI Your Cashback Bonu4R) is waiting for you. Visit Discowrcard.com or call 1-800-DISCOVER (1-804347-2683) to get your share of America's #1 Cash Rewards Proaram- How Can We Hel YOU? 1 • Visit Disce er.csm to pay yaw bill for no cost, view your p latest Account information, cam and redeem rewards land more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy sell-service Please have your Discover Cord available. options or to speak with a Customer Service Account Manager For MD 3. Write us at Discover Card, PO Box 30943, (assistance for hearing impav ' ed) no reveres side Salt Lake City, UT 84130 Transactions $0 Frond Liability Guarantee Use your Discover Card with confidence. Trans. Pad Date Payments and Credits Jul 5 Jul 5 PAYMENT - THANK YOU $ .200.00 Merchandise/Retail Jul 7 Jul 7 WAL-MART SC • #5358 SHIPPENSBURG PA 45.80 Travel/Entertainment Jun 12 Jun 12 AC CENTRAL RESERVATION NORTHFIELD NJ 647.00 8543904 Maneggee your account your way - whether you prefer to speak with a live person or manage it on your own, Dixover(R) Card has IM 213 account (1management options for you. Visit Dixovercard.com or call 1.800-0ISCOVER -800.347.2683) Important Nntsrraalbn If sure s mono rim ao pope b the ?g stalevhhent, sae tw bade d aaath peps fx eddtanst nhporlent nfomhelhon Sae your Cudmnnba AW*Mw t Your Cmdnembsr efvwnert anlam d Ado tame d yowA= rt. Las or molan cards ReW rhwrhed iettyl Cap 1-004347.2683 OWN W*b Summary. In Casa of Emory of OwsliAbout Your Bill. Iyou W your by m wrap, or f you need more adomalon about a trapeebon on your bill, we us on a mWaa sheet of paper at Dwom, PO Bar 30421, Sak Lake Cty, UT 811340121, a soon a pombe We must hoer trap you no Wer ton 60 drys aAar we sail you Bas ern bill on which to sera or problem appeared You can telso me us, but doing so will not Mum your rights. In your title, give us to blowing mbmebm Your name and Account mrtear The doper amours of to suspaae ! mor • Dasaibe to war and aglan, t you can, why you behave twe at an anon d you need more.tension, desabe do item you are unsure abed You do not have to pay any anent n question while we are vnvaatighhbrrp, but you re ad obligated to pay the parts d your ilk that ere not in question. While we nvesgale your question, we carat mport you as delinquent or take any action to coped the arnout you question. Spa??b Purshaes: 8 you have a problem with the ghaltyr of goods or seances OW you purchased with a credit cad and you have tined in good lath to Cared In and Mrs with *a aranchard, you miry net taws to pay to misiep mount due on to goods or sewcw. You have to p olection only when the puchase, pnoo was more Man pudme wa meta n yon tame sWa a wdm 100 mbs d your mailing eddies lg we own or apaela the merdwo, or dwe meted you the adwrbeanaet ford* good or awmae, all the pnrdme we wvwW repades of the rma or Iocaian of the padrme.) Payments. Send only yourpsymnentand the by porter of to aalerrohht in to envelop provided. Do no send ash By sending your duck as deaat>ed above, you aullhom ce to um adanrtion on your dude b rtwke rd Wedmm fad buster kom yar smarts at to linenael aMnstion ardicebd m yor duck or to process the payment as a duck transaction. If ft paynhent s pooessed as an damonc fund harder, the tnnakr wi be for the mount dthe dodo. When we we rtamebn ken your dude to make an elecYonhc kid Invader, funds rosy be **dm m km your soocunt as soon ae the sarm dry we mosin your payment, and you will not rearve your died bade ken your financial Ifsbhtion The procasaap d yar paymaot trwyka dabyad d you said ash, -tespialdada or odw am with yore peynhenl, d you sandthapepentb ay odor adtreas art( you hoe an owsiope P ow? ? am povdedbPaayinvi is mewed in (trope forma err praassrg batity by 5Pf1 kxal tune on any day will be asnkted b yohrAccmt as d tea dsy Drrimini PO Bmu 6103, ? SIsenh, 601 after 5P $c o term, stow be credited b your Account m of the axl day d you have misplaced yar amebpe. send yar prynont to debt 7-10 days for debery, If your psymert u relined rehpad, we raw" the riglu to rest brrot t as an electronic You can pay your maonrrh psynhet or a goYar armil over the tebyd m. and you can set up aWanetic psysn ode. Cap us at 14D43472663 You will need to dommen and your bade amount aMamhalah. You mint awns that afloat knde are avetehle in your Ink sonnet, and all karreckoro not conr*wth U S. low Ybu will be asked to provide the fast 5 d9ft of you somw srirantZP code By enbnhp those nanbea as your decaor: agnelwp, you via be epaeg to to m*mz im to allow to and yon belt to deduct each psyrant you adMme Ian yon belt sooou t, and to rtbab debt or asdtwarm to your balk account, as sppfcabb, b bared nor in the proommig of arh mmm You must bl us the arrant of each paynwhL or you an select in mount such m kNrnan PsynuM Due or the New Balerae on each stdanon. Yw can bared a pwflns L however we teat h6alre robes a heal trey Weems days In advance of the edredledpaymrd. You may notify us by phone a 1A00,T41.2683 or by mall a to adbosa fabd n Min provaus pragiVit M ycr payments coley vary n Kirmil we wi tit you an each maNVy ebtenwnt wtnerh your paymet will be made aid taw much it w it be. Your Aubm k payihwt amours may be ties than the endeabd on the monthly statement booed on craft or payments applied daring the bhling cycle. Croft . We may report rtatntlon sW your acaort to aedt brews. Lae psymenb, missed perwile, or oriar defahNs on your mooord may be retailed r your auk report ft m mW the son end payment N" of pr Account to credit roil agnome each month. l you below that our repot is racorae or moangeb, glassy web to ato blowup addes• Discover PO Box 15316, Wilnwglon, DE 1g854b31 PiPitim include your nano, atduss, home talgi honkie meatier ndAcoM number. PERUW FNIANCE CHAGM Perhodc Fataae Chrgm ae nhpo wd on ail knasclau fan tun dab the benaachon b paled b yourAaaat irtt Mw deb you pay youreMre New Brtence. by tr akYg payhwnb or mosivkg oreft fbwevr, ws will txgvida to bloweng'graa pahhod• B you paid the New Belerne on your fwviow bibp slakmad by the Payment Due Deb alarm an to eblrrbnt, and you pay In Now Silence by Mw PaysroM Ow Deb on this abbrr ent we we not rtp? Paa6b Fnahoe C hrgms on new purhsesa, that a. padmw twtappaarrhg an to ablenhat. Otherwise, you wig Now a bvrirhp slabntent next month that ndudes Pen cl c Fronts gorges an toss new Purdosm Then is no grace pmW on balance liarwbnsorcah advarm We sat your krueleons rib grape of ptedeem, ash advances, and belanestmrubre and ton Aeft earl the kanaactions within each WoW by lisrArewl Prortpe Rae. For exrrpbpudmn subysct b a phonatibrhal rain and puticha es mosict b abndrdsae would ba seprab groups We refer b Moos and of sech billing . we omp b Pa1D60 Finance, grapes for each dry d to billing pehfod for each bnsac4on caegay We ace to Mowrp soNrkn to =wb Pere a abpay vamp Doty Base x miter d days n tw burp prod x Doty Perwdb Role (Sur Mw bww dupe rnnn eryn your a omwtforMoss amanta j Than we add up On Periodic Finance Chagas br each kaoecbon on" to gat to bbl Parade; Finance, Charges for your Aocoat. The average Defy Balance o shown as Deb it. because of the grebe period, no Paadlb Frwm Charges apply to the belay in a transaction abpay Bel use etor A Daily Balm (ncludrg nor transactions) nrwMad of Cork *% the balm upon wt ch we npoee Periodic Finance ampt s. We Qmpab the Avenge Daly each kwmKbm category by adding up all the defy belanos in a bang period for a bisection abgory wd divdrp the bW by the renhber of days n the b&V oycle We cmpda Mw dutybdwm for each krsadlon co egany on each day by bet adding On Mowing to the p wma dnyrs ddybalahce, Iemsedoms made that day, lew dwpd riot dry end Panic Fkwnoe Clhnm waved m tot day We bansedhan s paned b yourAcooW aka tw dose d the burg pernod in whin t oma, we will beat tw Inumagan as twerp oco ned an to lira dry of to bang penod in which t s posted to your Aooaat. All Im ? i lipou tt are aaddded b Mw s - 'm pxdwae bawacli n ategary W M the emosplon of Cash Advance Transaction Fee Finance Charyee which are added to Fee Ives Qwps whichare added tollne balance When to speed rob apres. we move riertpaid balesecis of Mho balance krhsier andlhe Bdrha TmWw Transaction Fee Finance apomh" Ch"m to t tiambr kneader ategay rabgay. However trio speaml rats has ben ternnrlnal wrier Iva Dabuk Rab Plbn. we boarsto rp W babrha d the b@Wm koWw *W tw B o Standard alance TrrpWw TTmwcbm Fee Finance Charm in the appkabb transaction toga! urd to speed rate would him expihed. For TDD (TNaafnmualayots D"im for do Deaf) stalstarmw CON 11411111116347-744111. Deaver Way nW to andb record bMPlarw calf belome n you and Dmwvw rWassrdnves for quality assurance purposes The Dsoovaw card a blued by Discover Be* (lender FDIC. O1TBK1D7 DISCOVER It pays to HEDGE, VIRGINIA M Account number ending in 6494 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless 02009 Dncom Bank, Msmbw FDIC Closing Date: July 10, 2007 page 2 of 2 Finance Charge Summary r offer for current billing period: Doily Periodic Rate: 0.02164%; corresponding A FRW. 40X` Rate is subject to the terms of the offer includin ex iration NNUAL PERC ENTAGE g p . Nominal Average Daily ANNUAL ANNUAL Periodic Transaction Fee a PERCENTAGE fi FINANCE tes ances R RATS CHARG ES CHARGES current billing period: 30 days Purchases 58401.67 0.03627% 13.24% V 13 24% $91.42 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at D'i wer.com or call 1-800-DISCOVER (1-800-347-2683. New Balance DISCOVER Minimum Payment Due Account Number ending in 6494 $8,586.18 $170.00 Enter Amount Enclosed Below Payment Due Date $ 1 :1 September 9, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com 10 SDSN6A01 0014432 HEDGE, VIRGINIA M Go paperless and make your account 618 WALNUT BOTTOM RD Information more secure w0i password- protected statements only you can access. SHIPPENSBURG PA 17257-9648 Leammore atdiscovercoWpapedess. PO BOX 71084 Illrrdlr?r??JIIIr?rL6rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?rr?r??rr?rrr?m??mrm?rm?m?rrmllllrrmlrrlmr(rm1lrr(rrlrm1111111 above, or go to Dmxowr.com. Print your e-mail address to receive important Account information and special offers 000001986458215636511085861800200000017000 Discover More Card Account Summary dosing Daft: August 10, 2007 pogo 1 of 1 Account number ending in 6494 Previous Balance $8,349.54 Payment Due Date September 9, 2007 Payments And Credits 200,00 Minimum Payment Due $170.00 Purchases + 342.32 Credit Limit $9,000.00 Cash Advances + 0.00 Credit Available $413.00 Balance Transfers + 000 Cash Credit limit $4,500.00 Fiance s nc + 94.32 Cash Credit Available $413.00 - - New Bala _ $8,586.18 You may be able to avoid Periodic Finance Charges, no the reverse side for details. cmhback BonuSe Opening Cashbock Bonus Balance $ 51.14 New Cashbock Bonus This Period + 0.92 Cashbock Bonus Balance $ 52.06 Cashback BonusO Anniversary Month: August CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Drscovercard.com or call 1.800-DISCOVER (1-804347-2683) to got your share of America's 111 Cash Rewards Program How Can We Help You? P 1. Visit Discover.corn to pay your bN for no cost, view your latest Account information, earn and redeem rewards and mom It's your choice - 3 wars to help 2. Call 1-800-MCOVER (347.2683) for fast easy selhservice 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. Pod Deft Data Payments and Credits Jul 29 Jul 29 PAYMENT - THANK YOU $ -400,00 Travel/Enterinment Aug 4 Aug 4 ENTERPRISE 10054708 CHAMBERSBURG PA 342.32 Finance Charge Summary aftIMMislor offer for current billing period: Daily Periodic Rats- 0.0216496; corresponding ANNUAL PERCENTAGE RATE. 7.90%. Rate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Transaction Periodic Fee Dai R ie PERCENTAGE WAGE un FINANCE F Bal ces CH S current billing period: 31 days Purchases $8388.45 003627% 13.24% V 13.24% $94.32 $0 Cash Advances $0 0.06299% 22.99% F 2299% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Managa your budge, track your spending and avoid fees with FREE timely e-mail reminders. Loam more about e-mail remi d d th l n ers an o er easy on ine account management options at Dixovercard.com/rominders k*"W kdasrrtadov N Mere as more tlwn.ma Pape b fabirp aWensnt, as to tack of each pope for addila w mportant admsbm See your Ca<d -*w Agn sea rst. You Caron mtw agr is ro d cotmn d to tints d yar Aooant teat or abler cards Repot mnrhedabyl Cd 1-000.3412683 sBW,V, Rigbb Swraayt n Caned Erhard a QueohorroAbOA Ypr Shp ffyou isdt your bA is-%, a t you need more nbMisbon about a tans actigr m yar bill, wide us m a eparate shadd paper al Damowr, PO Box 30421, Sal take Coy. UT 84130.0121, iss aeon ao parable We neat lass ham you no lalar tan 60 days abet we and you the fret bdI on which Ow aria a Koblain appeared Youan','aphid to, bul dory sowii not peeervs you nghts. In your Data, 9we us to Wima g adarmam • Your nairo atdAoopant nui ibw •Thscla amardddelauspecbderror Deeaba to anv and explan, t you can, why you bdawe t have a an aria. Nyou need mss nbmhMm dsabe the Awn you are unure about You do not hewn b pay any ovA in quadan what we w anaehpaft but you an alt obkgabd b pay the pans of you bill they are not in quealon While we arweetigab you quston, we mast mW you as dekquent stab any actin b ooW its aircrt you question. Sp*cWlad wM Ciari Car ,??. ?haae a poblern wrkhda gheklydgoods or serwoes to you µudmed wah a asdd cad and you laws tied in good lath b omw $50 and we gh# we was made you yro may home sift psalm f00 i ving ud due on she goods orsennoea. You tawto pobcbon ady when the pt o Wwe wren rase win good or ser tme, of to purchase an cOwnd age den d Ow mom or bbccdm mmiling of ewe own or opaMa to nhadanl or d we retail you to edwitisanatd br the Pynsaub. Send only your parrot and to bpponicn of to Matanet in the analog MaMed. Do not send cash. By sending your check as described above, you a fficim us b use nbnlebon an you check b make and electron; lad Invisk from you account at the financial arakkrbph indicialed on you dada or to Wooero to payment aw a dieck tran6Wben N#w payment s poceaeed n an aleubon; baud brershr, to terayr weal be br to arount d to dock. Whan we use informdm ken you dhedk b mace an alackera; lab benabr, hinds nay be w0idrewn kom your a=W a soon as we eeme day we recanwe you paynod. and you wi not ncaw you dock back tom ypr kunoal mom The prig of w psynord maybe delayed d you send oak cmeapander ce or star dams with your peYTmit. d you end to payment b any otter Bates or d you use an ,metope doh loi the one p raded PayRenta hawed in paper form dour procsarq bclty by 5PM bca tine on any day wt be aeclled b you Aoaud as dMd day Perreft nacenred of our Rooming Mcilly em 5PM Dal tine veil be Qedyd to ycokcci ni as of to rout day. N you have n spWed your ahwbps. sand you parnant b Dncower. PO 8=6103, Card Stream, IL 60197-6103 Pleses sbw 7-10 days for dekway N you feyrrsd o rduned unpaid, we reserve to npht b nesubnM gas an elackomcdek You an pay tau msxnsm payment ora theater anouhl over Ma M WO", and you an amt up subme0c payments. Cal us at 1-O043472683 You vela need tws swell aitand yotr back acmum nfmabm. You must ensue wM shdbaet pads we avdable in yaw bank eccaud, and d tanecaons mug mn#y sigh U S. law You vd be aged b goods the fast 5 dbb of you soaua gaan it ZIP coda By antarag thoeematia; a you alectanhc agnaua you A be aW" b tat M*Wirabm b,lbw Ce end your beak b deduct each period you adhmze kph you beak; account, and b arbele debit a at& arena b you bank saanl. n appkcable, to correct amr lithe poasrg d aadh p anent You mkd id a we amount o (each parrasK or you can weted an mead rich a Mmwnh Parma it Out or tea New Balance an each gaMot You an anal a parrot, hm~ we must nfAlw mom at law Ovi s banes days in advance of war scheduled payrrot You may no* his by phone d 18"7,2883 or by mad at the address lased in tta psvoua prepraph N you pay inmts may wry in amount we wit yk you on each ffa" atebned when your parnent veil be made and law much d will be Yw Autanetie parrot amour may be lm rim war indicated on rid mathly swenrot bead an aadb or peymada gOed during the ling cycle. Cndk Rapatlag. We may report rdpmdon abed you acme t b aedt heave tale payrrem, named pays aft, or of deladt on you accru d may be milectad in you ,edit n w wite us V* nwnky repot to vbks and payrst hMn of your gomund b aenkt repabrp apnoea each rnadh. t you below tutor report ns ese;arab orncri pieb, please bkowwg addroas. Daimm, PO Ba 15316, NMrrnptm, DE 198505316. Plow include you nma, addmu, tame takphme amber mdAcoant rwraxr. PERIODIC M WE CHAGES. Parodic Fronde Gages are named on d tasadnta kkmr the dab the Va sewn s posted b ym Aocout ulbl to dab you pay you pore flew Balance, by mablg paynonls or race" aedls. H;wwwr, we A grade to kib"'rac , period' N you paid in Nsw Balane on you perms; birg Maynard by the Peymant Due Dow Mown m trial Meumnet. and yar pay to New Bahasa by tat Payment Due bate m is damnot we wN nt npoee Pabde Fa m- C henpea m new pt,dwee, that a, prdheees *9 appaanvhp an trio alataront O/havwe, you wi nave a txlbng aptanwd next mush tat ncbdeah Parodic Fearana Charyes on was new prchses. There a no grace pancd on baance kashre mash advances We sat ypr tasoeaaa nb woups of Waste, eah adwnae,and balance taroks and dam kWw amt to karsadai s which each poop by war Annual Paanype Rate aalryda purchases s bpect b a parokari rob and p is ases su*d b standard Me world be asperse, grata. We Ww to ton and of each big perod, we mnpule Pend; Fnaee Gorges fer each day of to Ding pond for each tansy anmlem We us kkwwv toequsbon 00TP O Pendic far eedh kamsackon cele y Average Daly BMeaaoe x numbs d days n iha bong period x Dedy Paodc Rey (See del lean doge sunny, an your sasWr t for Masse arnrun E) Than we add W the Peodc Fine" i. wgap for each ksasckon stator b gM to bur Perod; Finance Chaps far your Aaxxrd. The enrage Deily Balance his shown as zoo t, bemuse of ft grace period, no Parodic Finance Ctwps apply to to balance in a taroadim atagory Balance br Asaich venpa Daily Bit- ? (n0*9 new tw-*M) naked of aladaYhp to bdmw upon which we snpon Periodic Finance Cherpes We ampub weAwrage Daily ca py by adding w d the dolly, balancee in a b&q prod bra Minassom cassiM and diwvling to oW by we nxnbm of dap in the bilimp Cyde We awnpule the dry balance for each transckm category m each My by fiat adding Me bin" b to pnvm* days dary balance, taroeckanhs made that day, (es doged wM day and Panod; Finance Curate accrued an wM day Na tasamm a paled b yourAowud aid to dos of tla as hewing o;aarad on ft kM day of war bft paced in which d a posted b your Account. B Peed in which d kwaus, we nip lent to tahbaaon N fes rxt are added b to sla da l purchase, tasectim ategay wow to a mpbon d Cash Advance rrensacen Fee Finance Chagas wlwdh are added to MIa a?lsa tale ibm Gd@M aid Balance Tmndw Trahagm Fee fin nce Chagas which we added to to appAcede balance tandar lanolin abpay Whn to Vocel rata spies, we move to unpaid belaee d wee balance tralela and war Balance Tmdv Trahaa;b;n Fee Finance Chars b we stmdad pirdave kan6eGborh cawno fbwswa. dtw special sale has bean lammaua l coda to DO" Rob plan, we leawa the mpeal bolnoe d to balance Nashr and I* Balance Tnkefer Treroecbm Fee from Chagas in Vo sppksds banntden category mW we special ate would have expeed. For TDD (Taleeommutaypo Dwkv for ore Dsaf) osalatarha, at I-M341.7440. Daava may honor an YW mmd Miss me canto balwasn you end Dswver repteaerdakws fa quaky assurance pupaee The Discvm* and is issued by 060owr Bank, Manta FDIC. OITBK107 DISCOVER New Balance Minimum Payment Due $8,482.23 $168.00 Payment Due Date October 9, 2007 10 SDSN6A01 0014433 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $L Please make check payable to Discover Card or pay online @ Discovercard.com. perl information information more secure with password- protected statements only you can access. Learn more at discover.corn/paperless. PO BOX 71084 Illsarllsarsarllllsiilalarl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change; Print change in space loll ralrrrir?)n?lulrinr1l11nrin?rr?n??u)r,?nlrln?l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458215636511084822300200000016800 Discover More Card Account Summary Closing Date: September 10, 2007 page 1 of 1 Account number ending in 6494 Previous Balance $8,586.18 Payment Due Dab October 9, 2007 Payments And Credits 200,00 Minimum Payment Due $168.00 Purchases + 0.00 Credit limit $9,000.00 Cash Advances + 0.00 Credit Available $517.00 Balance Transfers + 0.00 Cash Credit limit $4,500.00 Finance Charges + 96.05 Cash Credit Available $517.00 New Balance $8,482.23 You may be able to avoid Periodic Finance Charges, we the reverse side for details Cashback Bonuse Opening Cashbock Bonus Balance $ 52.06 New Cashbock Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: August CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discovercard.com or call I SMDISCOVER (1.804347-2683) to get your share of America's #1 Cash Rewards Program. Cashbadr Bonus Balance S 52.06 How Can We Hel You? 1. Visit D scaver com to pay your bill for no cost, view r P latest Account information, earn and redeem rewards 1 more It's your choice - 3 ways to help 2. Call 1.800•DISCOVER (347.2683) for least, easy selkservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write L us of Discover Card PO Box 30943, For TDD (assistance for hearing impaired) ak we reverse side S Lake City, UT 84130 Transactions $0 Fraud Liabilhy Guarantee Use your Discover Card with confidence. T Post Dam Payments and Credits Aug 28 Aug 28 PAYMENT- THANK YOU $ -200.00 Finance Charge Summary ler offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE E . Rate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE F FINANCE Balances Rates RATES RATES ? current billing period: 31 days Purchases $8542.52 0.03627% 13.24% V 13.24% $96.05 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above bipotWit Irdarrnedonh I fare a Mn tames pope b fs Wig talatrad, as to back of aadn papa for addbahel Ovocut nfonaeba. Sea your CatdmeraberApraemaat Yor Cardmembw ayoemerd oWmis all be lemma d yorAcoonL Lag or doaa aril. Report rwr&U syy Cal 1800.347.2683 BW Rlpba Sunim q. M Case d Emore a OuabarAbOW Your 8d fya fui yov b is arorg, a d you reed moreckmalam about a baraKbon m your W, wnb uson s seperde alas! d peperat Drxxrvw, PO Box 30421, Sak Lake Cdy, UT 84130.0421, a soma possible We must hear kom you re WW fan 60 days agar we sent you to" b on Wrodh ft error or problem appeared, You con We0wo u, but dung awl not preaww your nght In your WW give us fa bloweg iftmetion. • Your nema and Account number • The doles amurd d to suWood amen • Deaabe is wror and oxpbwh, if you can, why you befieve there a an ans. 9 yes need more rdumelm, describe fs dale you are aaae about You do not have b pay any emouN n q mIon why we we ovatlpMdg, but you lee a@ obfgabd b pay is pert of your W fst are not n gasion. W* weanasvpab your Was^ we swot report you a dWr*mt or take arty seem to coled to annex you querim p Sp*cW Re ? 11he.imchis ym may not f has you how a to pay pe p duo ? or serw ee #W you pudaead with a aedi cad and you law kind in good k& b cared pi SWwdtopurchase weemade n your Mmeaftawdm100mileof your maft a or services. p hew Madwim orily wan she pu prawasmarfan podor swwoes,altomduoweowmedregwdooof feamwimorbcabond Wch (k na we awn a opww lh emwdwK a d we mded you on a dweeanexbx he Payments. Sea arty your PNmerf end to top porbm of fs satrnad in to ewabp provided. Do ret and ash. By sw*q your dads as described above, you wdhorwe is b use whmwAm m you dada b make and dad x me led kansbr bom you mmount d the knead mokddm ihhdbaledm you dada a b p oo sa fa psymal u a dads kerucborh f Ihe peynard a procaaaad aaan akrckorac bad bwfw, tw kendw wit bs for Vw wnouf of fs dads Mw ws du mkmabm tram you dadd b make an eactrarac had bander, We may be whfdrawa ban you sdmomt a soon a fa acme day we resew your psyrne% and you wl nit ncew yar dads bad ken you knead iaktubm The processrg of yar payment maybe delayed d you surd ash, rarespmdence or odw items war you Payment, t you sad de psymart b any afheraddbeo od you use an awebpe oft pan to as WMed. Psynaosa reoawd n proper bxm at our pmcaetq tally by 5PM bed time on arty day wl be aedled b yoaAooard as of diet day. Paipma reauved at our proaurg aoky aka 5PM bud to wl be gadded to yauAawus a of the ra d day f you have mils aced your enwrbpe, and yon papmt b Dxcarr, PO Sat 6103, Cad Skeem, 1.601978103 Please slow 7-10 days for dekrery l you pnymad a Mimed wpoW, we reserve On 49 to ratibmt d a an elactromc dell You can pay your nahrrnrm WflnW or a greater emoted over the w4has, mW you con at up a slo ate peynanq Cel us at 1800,3472683 You why nod On slatemadwW you bads seeded rdormhdbohh. You must ague fat a deal buds are arable r year bads socoud, ae1 al treaactora mug amply wch U S. leer You will be Wad to psoWe du kid 5 dpi of you aooout - -1, -rd ZIP dude By vin" those rnrtea as year ebdraec sgnekre, you wl be agraerp b this rAvizekm b slow her and your bank b deduct aech parnad you adha= Ian your best aoeourt and to MW debit a ardd ehksed b year bade aoodrd, a applicable, b owed ow r ds prooowg d ado papal You mss bl us fa Nomad of each prpwd, or you an said m amend ash a Mnmun PapereM Dar or fa New Beloce on each delwreM. You an seas! a prymwd, however we must recehw oboe at but few buskaa days in odvwsa of fa sdadded pdymwd. You may notify us by pMre os 1800.347,2883 or by mail d to aodna Wed n fa Pin PerappK W your psynaft may very n amoud wo wit tl you m leech madly dm*wd wfan yor peyrnord vA be mama all how much a wi be. Yes rooms gpeynrrd amend maybe lose fan fns kWhOWd m fa rnomfdy epamad based an wadi or peymerfs applied dung l ha bbg cycle Croft R?apatinnpW? ym ? slow yaraouud b aakt busan. Lab paymeifs, mead psyrnai, or ofat debu k an your wootiM may be wbcbd in year Modd wrmt Vftr a psymerfhnbry of yuAomwdbcredd?npatgapimaeseadhumM h lyoubakewfatarapMarmusibasiccarote, plane, blowg addtees. Discover, PO Box 15316. Nriagim, DE I MM Pleea -is- your rue, address, (home tosephas ranbw and Award mart.. PERMIC FINANCE CHASES. Peak Firm Charges was reposed on al trtwaWau ban the dse to kwtesbm t posld b your Amomt will to dale you pay your aaro Now Beana,.bymolan f prflarb o reawig credit ybwewr, ws wtl pmvNb fa hdowi g'gam PuW l ya+PW On New Aims on you Pwwwa big sbdwnwd by ft Psy eM Du Doss down on to aatmad, and you pay to New Bob= by fs Payment Due Dab on is skAwnerd we will not rrpode PwKxbc Frowns Chwpea an rww purchsw, fat a, p roh aes 6dappeurg on foe dalareM Ofaivue, you will rame a biig sbtnaM sod moth OW rduda Periodic Fn me Chagos on ihoa now pudhases . There is no prase peal on beance karakrs or ash adwro". We all yon twaadans ri grape of pudaas, cash adw aces, and bderhoe bwoh n and fan barber oA to traaecbaa wdnn each WoW by #=A=A Pmmtelp Rose. For sumpla pudreses sd*ot b a prm obwW rate and pudheas atyed to sir I rasa wadd bas aepraM gyouys. Wa oar b two props o kewm*m amgom Aito and of each big peal, we ampute Paw& Rama Charges for each day offs bdlrg pow for each kwaactm cdopy. We ua to bleep eyrrbon b aonpWa Periodic for each - W, BMwnoe x n days n tlaWog pau DQd PwndhcRite. (Sw =br? ?a wr apeDeadyBdomm imaads.) shown a zero d, bey of fa P wedkw tar eoac ch trwha tobfs but aoakc Frans paw period, no Paiodb Fnimar Chomps s supply b yfa bdence in a karaedim dxbpoiy. Ws m fa AvwW Defy Brans OvkArg row to amuse) metad of staking fa blonde upon which we rpoa Pwadhs Haire Charges. We co" to Average Daily Bdwm for each kanadim oaapay by addrg tip al fa daily belenos in a bdtg Period for a twarlsn cote y and &dchrg the bU by fs minter of days in the bug cyder We owpde tte deity beanoe b each karowAm aapay on each day by tint addig fa biovag b to pronoun days daily balmos, kwaackaa made tat day, bes dargad #W day wW Patsdb Fnwwa Chwpes wwued m fat day la kwawdrm is poaMd b youAwouf eker is doe ofthe brig penod in which d ocara, was wd bid" karead M a hawrg warred m t* tint dry of the burg pond n whdah d m posed b yarAcoount Al Fi a8v Aaoad w added b Is aterWwd phrdaa kermackorn cetepaywdh tls excapkohn d Cosh Adtverha Trehasctorn Fw Frans Chspes Which u added b the app a ad erhoe tarweCbon ntepay end 8elerrs Tnra(w Trwaecem Fa Pirrone Clhwga whrh era adkad b fa appbcahla bekrrae tranekr kanoadam dwtepay When ills apadaos rot expres, war mow fs upeW balemx of the bdlrna kerhstr and to Betenoe Treuhdfe Trwradun Fw Fnrha Chwpo b fs earhdrd phrdwa tareemm aktay. ltowwver, dta dpadsos roe his boat lennheted emits fa Donut Rafe Plan. ova love fa upod balends of the bderhoe trarater and the Bearnco TraMer Traraeceon Fo gonna Charges n tla applicable terhsapiorh ateDaY hrfd the dpedr roe wads hew exposit For 7DD (Taleamm redo a Device for do DwQ a sauna a, cal l4W347-7441. Dwovw may mesa w door moord Mtphme als be~ you and Ddaduwr represadetiws for qA ty assuwwe puposa The Woovee cad a asuad by Daco%w Bm*, Minter FDIC. O1TBK10? New Balance Minimum Payment Due Account Number ending in 6494 DISCOVER $8,370.79 $166.00 Enter Amount Enclosed Below Payment Due Dote $ November 9, 2007 Please make check payable to Discover Card or pay online ® Discovercard.com 10 SDSN6A01 0014434 HEDGE, VIRGINIA M Go paperless and make your account 618 WALNUT BOTTOM RD information more secure with password- 618 statements only you can access. SHIPPENSBURG PA 17257-9648 Lam more at discovercorn/paperless. PO Box 71084 111rrrlIII rrlr111111rlrlrsl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrlr11n1nr1r11nr1nlr1nr1111nr1rrlrr1u11n1u1n1r1nll above, or go to Discover.com. Print your e-mail addreu to receive important Account information and special offers GDD00198645821563651108370790D200000D16600 Discover More Card Account Summary Closing Dale: October 10, 2007 page 1 of 1 Account number ending in 6494 Previous Balance $8,482.23 Payment Due Date November 9, 2007 Payments And Credits 200.00 Minimum Payment Due $166.00 Purchases + 0.00 Credit Limit $9,000.00 Cash Advances + 0.00 Credit Available $62900 Balance Transfers + 0.00 Cash Credit Limit $4,500.00 Fimmm Cha?gea + 88.56 Cash Credit Available $629.00 _ New Balance a $076.79 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbc do BonuSe Opening Cashback Bonus Balance $ 52.06 New Cashback Bonus This Period + Q,QQ Cashbook Bonus Balance $ 52.06 Coshback Bonus® Armiversary Month: August CONGRATULATIONSI Your Cashback Bonus(?) is waiting for you. Visit Discovercard.com or call 1-8004NSCOVER (1.804347-2683) to SO your share of America's Al Cash Rewards Program How Can We Hel You? P I . visit Dacover cem to pay yew bilker no gad ,„eve your latest Account information, eam and redeem rewards and mar. 'It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (ouistance for hearing impaired) see reverse aide 3. Write us at Discover Card, PO Box 30943, Solt Lake Cry, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. TDatenens' Post Payrrwnh and Credits Oct 1 Oct 1 PAYMENT - THANK YOU $ -20000 fi NV# Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction F Daily Periodic PERCENTAGE PERCENTAGE 1?nc Rates RATES RATES CHARGES QNGES current billing period: 30 days Purchases $8458.52 Cash Advances $0 0.03490X, 12.74% V 12.74% $88.56 $0 0.06299% 22.99X, F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Wish you could sort them purchases by amount, description or co%gory? You can - register at Dtacovercard.com to view your purchases online as far back as 12 months. Loam more at Discovercard.com/purchases Imporleal nbnmatlon t rise a more the one papa b the birg gdmwt, sa the backs each pap lor aditwW amporird rfomabm Sao your Cardavrnber Aynambt Ycur Cardnaabr agreement arrwa d to bms d your Account Loot or ebbs coal. Report naaedaaely! Cot 1400.34TaW BNNM Roils Srariory. in Case of Errata or OueshmAbout Your EM N you firir you bill a wrq, or if you need more nntormeecn about a hanseckai on Your bi, wile to on a seprab sleet of pope at Oacover, PO Box 30421, Soft Lake City; UT 84130-0421, a soon a pos" We must hoer from you no leler riari 60 days aft we sent you the feel bill on which to emor or Woblsn Wpered You can Meow* to, but doug so will not pawn yew rplea. In your letter, yne to to fallowing sdonetim Your name and Atoowht nalmber The dollar amount d the rapeaed an Daaibs to error aid mom. d you con, why you believe tam a an emir Myou rood mots nbmaYon, describe the dem you we union about. You do net love to pay any amend n grakon while we am a vostiptag, bud you are WA WOW to pay, the parts d you bill fiat are not in gteabn Whit we investipm your queebaoq wo car. report you a debpuerd r lede any scion b oded fus anneurt y iu guakm. Special Rat forCmM Card Purchases: t you haves peblmwoh din gaily dgoada r ewmas dW you purdmW wdn a radit cord and you hate tied n good Moth b tuned to problem *0 the morchant, you my nd hew b pay fie homer" amount dus m.tla goods or anima. You have to pnotec4on only when fa pmidraa price wee more fan $50 and the p ahow was made in you tome alete or wdm 100 mils of ymr ma4eg address (8 we own or operate the merchant, or if we mailed you the adrerOremed for the good or services, all the pudua are wwred regrdlar d the anaadr kxxMarr d fie pudae. ) PaymwAo. Sad only your payment amd to by potYar d to stelomant n the arnift proaded Do rootsend cash By aandag you dark a dnAW above, yes wtc me us b ussaricrmela an yam dads b make cold ebchm kid hmbrbom your mooed of fie bwvW nebkrbm wxksbd m you dads r b procea the psprwt a a deck transaction Ifto psymsnt n ;roc, a on elecbme fund heater, the tanelar will be for the amount of the dads When we use nbnnalan kom you deck to make an elecsarrc kid kerofar, funds may be withdrawn kom you account a soon as the pane day was receve your payment and you will not receive you dads bade tom youir financial faahaea The prooeaag of you payment maybe delayed d you send sub, conreapondence at other 11sons with you payment, d you send t apapneM b any other address on you Lisa an rwalope offer than the one Wovrded Payments reo nod in proper bmr of out procesag tally by 5PM local time on any day will be credited to yxrAccoW as of that day Payrants received at err pmaaeg leaky after 5PM local lime will be credited to yorAccornh n old* next day 0 you have misplaced your ornslapa, all your payment to Doomm. PO Bic 6103, Card Stream, IL 60197.6103 Please allow 7-10 days for delivery. t your psyroM is rebored unpaid, we repave the right to rea brat t as an etecbarra dealt. You can pay ysrravure payment ra gneol r amout ewer the Wephone, and you an ad up submsec payments. Cot in at 1.800.3472683 You wi need fa atetementad your bank occou t adcrrnelen. You rapt epos fist at6dmd bride are ovall" in you bank account. add tanaaaeari mat copy with U S. law You will be pled b provide the teat 5 daft d yeLi a000Um alalenlent ZIP code. By aftreg dmoa ranbrs a your electors sgalua, you will be opeap b the aWlwaarwm b allow us and you bor* b deduct each payment you atlwiuUcm yxabe * account, and b napes del r audit antis b year bw* eooout a appkrabb b craned emir n des proceaag d such payrwt You most tall us fie onwM d each payrw , r you Can salad a anywim such a Mrwurn Payment Due r fie New Bellroe on eadu ddem art Yeu cen eaneet a by mW at the addiani kabhowsm we must town nwm at least these heenose days v *ftice of to sd*"W psymert IW d in the P run Prapragt M yovtaymerta may very n anaat we wtf lee you onach mmWyalaAa may rw nolily us by wh pr 4 or on piyrwrtwwl bemede andhow mxh A nil be Yam Aatcrnoko payment amrit may be laefen ken n I - 'an tea mie"statement bawd on cads r payment appkad dung the btng qcl. Cred11 Repor*4 Wa may report ttanakOn about yxraomud b auk bosses. lib paymata, mailed pwpwm4. or dew delulls m your account may be reN, I n yxr coedit sepal. yys namWy sport tlmesbks and W hebry d yarAooant b sect agencies each north t you below that out mepal is racarde or ncarplte. plop we a al for Idoweril; - ea. Discover, PO Box 15316, Maroon. DE 1 r,6 Reese include you name, addroa home Islaphane number and Account amber. PERIODIC FNIANCE CNAGE& Paodra.Fawba Chagas We npaed on d transactions tram to dole the transaction a posted to yaw Account wd ft die you pay your see New Balrea, by rmalrg pwpwda a tecainy a Wi o Hamm,, we will provide to lobYNg'p es paned' t you pod fora New Behrce on you pervwa biag dooe cwt by the Payment Due Dab shown on fat swer wt, ad you pay toe New Balance by the Payment Due Dab on In alebnwrt we will not impose Periodic Finance Chagas an new p sc aoa, fW a, p sc aura buppsweV on fie eletamant Ofie new, you will re0awe a bdrg statement not month that ndudee Priodic Fewce CNqu on tloa raw Rvc aura Them a rat Woos pond an balance hnsfors or ooh advances. We sat your taaadam rib paps dpudasa, ash advances, and belance tea sfera and fie furtw ail the brhadrons within each gaup by far Annual Percentop Rel. For F dBxa? euutiled b a prom rate ond pudeses suhpct to standard orb weld be aparab pays. We refer b two groups a transaction cwpones. At tie ub dfor each day of to b*g period for each tenseWOn celsgoy We ua to bWwig egwhm to wnpude Paadc , wa o breach traaoctonowd odd up thee FoMonello redo Day Fnaeo Balance x n days in to bikg period x Daily Peadc Rel. (Sat the knis dwge ---Ym you 9lillefnadfr fwa womb) shown ounle b) Lire Than t, we be add u of to eno grace pared, no t Periodic Finance, =CbOn category to gel fie Idel Periodic Finance Charm for you Account. Do everepr Deily Boom is Chagas appy in the balance in a transaction Calegory Vile m to AwW ums for each toDaily n Balance (irekrlelg raw travencwa) meted datcltaleg the balance upon witch wo P" Periodic Nionce Chrga. We compub the Average Day B calwy by n ot to bhv cycle each day by adding to fobtrg b the prevbw day'a ? balance, hnathe num1w of csoma made that day. day &Npd We courpuM *in daily balance ter each traarool'i C86Man a lowg oacured on the wCr h d ?aeaued m fiat doy If o traaednn a posbd b yxr Axant akar the does d to bdrg period in W4rdr t occ rs, we wd bar des baraadwr bhV paned n which d a pooled b yourAccou t AM fee unl we added to to standard purchase, transaction celegoy wdmfa eaopkon of Cash Advance Traaectnn Fee Faeroe Chagas which are added to the app o os lmr seclim telagry and Below Traroder Traaeoam Fee Freres Ch"es which are added b to appkabl balers vaahr taaaden coaWy When to special nab sxpra, we movie to upend baancs of fs balara tansler and to Balance Ti ardr Transaction Free Fiance Chagas to the standard purchase Wroaduon 011". Flowsver, if fie Wool isle hat bee tmnnabd under to Do" Rol Ptah, we bate the woad balance of be balance Yaafer and the Balance Tranafr Trwection Fee Fawra Charges in tla WW" transaction wet y urd to WocW rate would lave maned. Sw TDO (Talecommrmkallonr Device for the Deal) assistance, sal 1400.347-7449. Dracova may motor anft record telephone all between you and Damver represorMoa for quaky assurance pipoeco The D=DW cad is awed by Discover Beek, Member FDIC. OM107 DISCOVER Now 37cs 10 SDSN6A010014435 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Minimum Payment Due Account Number ending in 6494 $164.00 Enter Amount Enclosed Below Payment Due Date $ December 9, 2007 Please make check payable to Discover Card or pay online Q Discovercard.com. Go paper less and make your account information more secure with password- protected statements only you can access. Loam more at discover.comlpaperiess. lllnhlhlnl PO BOX 71084 I11 ur111111111 CHARLOTTE NC 28272-1084 Address, a-mail or telephone changes Print change in space 11111111 gill above, or go to Discover com. Print your e-mail address to receive important Account information and special offers. 000001986458215636511082673700200000016400 Discover More Card Account Summary Closing Daw November 10, 2007 page 1 of 1 Account number ending in 6494 Previous Balance $8,370.79 Payment Due Date December 9, 2007 Payments And Credits 200.00 Minimum Payment Due $16400 Purchases + 5.99 Credit Limit $9,000.00 Cash Advances + 0.00 Credit Available $732.00 Balance Transfers + 0.00 Cash Credit Limit $4,500.00 Finance Charges + 90.59 Cash Credit Available $73200 New Balance $8,267.37 You may be able to avoid Periodic Finance Charges, no the reverse side for details. Cashbook BmuSe Opening Cashback Bonus Balance $ 52.06 New Cashback Bonus This Period + 0.01 Cashbook Bonus Balance $ 52.07 Cashback Bonus* Anniversary Month: August CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call I.800•DISCOVER (1.800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1. Visit Discover com to pay your bit for no cod, view your P latest Account information, eam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800•DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dam Dab Payments omit Credits Nov 4 Nov 4 PAYMENT -THANK YOU $ .400.00 Merchandise/Retail Oct 22 Oct 22 ONLINE GAMES POGO/EA WWW.EA.COM CA 5 99 - 61320476 AA gCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee l i P a T RA? AGE FINANC Fi dr Ba ces R tes ES CHARGE S b current billing period: 31 days Purchases $8373.43 0.03490% 12.74% V 12 74% $90.59 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Wish you could sort these purchases by amount, description or category? You can - register at Discovercard.com to view your purchases online as far bock as 12 months. Learn more at Discovercard.com/purchases knp xW kdoranpon f fore a more non one paps b On 6iWg Watameni we fa back of each papa for sdito WI anporOsM ntamabon Ses yow Cardnakbs?Ap "merit Your ceka,Wmkar apearortcomar ocriiiars al the Wins of your Account Lot or Nola cards. Report Nmadt W Cal 14"740 Wlkj RWO Sarimary. in Cats of Errors or QuasbnsAbout Your 89 a you b k your td s wrong, a d you read more nfomaam abou a Ww=caon m your brf, orb us one which fo error problem appeared. W can WepSak LW* Coy. UT 84130-0421, as som me possiblie Wemusithearinom you hom us, but dxrg 60 wkl not Kamm your no& ki your Wear, give is UW?(OkIslartm wq aderrmam:aflar w9 aBnf y0U QW 6/l1 bit • Your name an lAams t numbed The dolr myna of In nspeclad error Describe l he error and explen, d you cart. why you believe kWre a an error f you need more mmwefon, describe the dal you are urnue about You do not hen to pay any rmurf n queaYon while we are madg log, bid you an sM d*pbd to pay l he parts of your bnl ns are not n gaclbn. %we we nymbigab your quabm, we onset report you a dlirgiWd or We any adbn b cclc the emourd you quesoom SpscW Ras for Credk Card Purchases: a you hew a problem wilh the quely of goods or serwas fob you pudWted wAh a asdt card and you have V* in good In b corned the pablm *0 the rrordWrd, you may not have b pay far eve" amoWd due on nor goods or srvion, Yo few In protection only when ft purchase pace was more fen $50 and f» PrdWse was made n you hone stela OF wean 100 mWa Of your malig adds (f we own or operate l he nochaM, or U we maied you the adveraenWd for the good or services, al the prrdase we covered migrdass of the amours or to aam of No pudWSa.) Payment Send arty your payaesand aka top porkm of fa ebbrrom n to envelop pranced. Do not send cash By sendrg your died a described anon, you auekarw us buss rhbrnaaorh m you deck to make and sledrow fled Weiler from you somA al fa frenad tail luam Nld m on your c ockorloprooma l o psyrnara m a dock "Macbm f fo pe"ent a jxocawd m an escl , is knd tnr*W t w tmndw wdl be forth amotrdaf fa deck Wfsn we kae palm wim kom ymrdoa lD na kean dedkmrc firld kermM, ands tneybe w*Wmwn kam your scooW as cam as fur ears day we receive your psymer, , and you will not moeae you dock bed from your frwuid Irmiaram. The procaang of your paymwtt maybe delayed d yea card Cash. aYlaspaldente or olhr demo wMh you phtymad, f you send I s paynenf b any 0lheraddren art you in an envelope afar nark to am provided Psymeres reeewed n proper form at our proceearq teddy by 5PM bcal Win on arty day wi be lied ed b yourAcmur a of to day iWwa reanwd a our prace "IoNy WW 5PM local line wil be aoftd b yo rAooard as of to rod day 9 you have amplcad your wwelope, eared Your pgmart to Dacow,POBox6103,Card Stearn,L601978103Pleaalow7-10 days for delivery fyour payrraMdreamadunpaid, weree nforigidbrmbrMdas an a Kww debt You can pay your mrwrrrn penprwdor a pradar anent am do blephone, aid you can aid up subma0e payments, Cal us at 14"72683 You wi reed in eWlmadaM yourbri somud nbnrstm You mW arsue f W ached funds an av "' in your bnk acoour. and al kenckors mwt oompgj win US . law You oil banked b provrde 1tieIst 5 dlpl d you ncowN ddmmdZlP ode By erdwtg naive nanbas a you shears arpekre. youwhf be agresrg b nor a *vb6m barrow us std yaw batik b dedlLf each psynkwiyou aunoon inn yohrbadk aoourd, and b new d" orneck etdras b your balk aoomm, nappfrc", b oared error n fa praaaalrg of arch peyrned. You roust W us do anard of each paymad, or you oar meld an email such as Mmarn Pgmat Due or to New Bdanoe on each sWanad. You on arwt a pryinark, however in Ewa must noaw ncaa at beat Oves business days n advance of fo sdtadled paysnat You may no* ks by plorW at 1800.347,2883 or by mail at to aft I Your AldmhNe taprpw n porwmay be aph, SWa u your pa oft maya er f saran we w8 Id ywo each nuft dNakod when you payrnad ail be mode and haw noh d wil be morrhy NWWkont based on clad) or paymerls appled dump der Wig cycle Craft Re1torlkg. We may report rd0muf6m abort yaw accoad to aerkt bureaus hate paymais, nhlsed paymer s, or other defaib an your sooourt may be rs1, - , 'in you =0 report. Ws norn* reW to shears and paymrd h" of you Ao=N t to 0edt fo rWq apnoea each mmk f you belews nM our report a recaral or nownpla, pbass wile to at the lobe erg address Discover, PO Box 15316, WknNgbn, DE 198508316 Flssse thdude your rwne, address, toes IeWvW nurbet wW Anorn riurnber PERIOOIC FWANGE CHAGES. Peladr Fraroa awges aft urpmed on al Maacraa km to des fur tasacbm is podW b your Acoom unW fhe del you pay your scare New Belrkoe. by mWn pe rwls or reoeiwg aedb Howswr, we A prwhde to tkwrg'gnce perk' q you paid to New Belna an yaw Pis Wig aiewrat by to Paymad Drs 00 shown an fat ebabrnen, ad you pay fur NowBalrka byre Paynwnt Due NO on fa s avenarl we wd not enpae Parodic From Chu" an row ptrdhaese, nth d, phhrolrssskrM ajhpernp m fee skhlnrrd Ofherwse, you wd mane a Wig debntard next marts fat wicl des Periodic Fnarta Chargesm foss new pachasm There a no grace period on balroe tram or ash adman. We sort your lamedbM Info Woupe of purchases, ash adrmcm, ad balance kanalrs ad oat l rner sea fa kaoedroa wom each gap by lhwAmwbPam tips Ras. For exrnpl purchases subysd to a prmoborhs rob and purchases subjectb sladad rib would be teperab groups We refer b tleesgroups es kaheacbm abgaw. Alto end of each brig period, we carputs Periodic Firerhoe Charge for each day of file birg period for each ka schm ON" We ua rte folowrg equabah b ccir pal Peradc for each trsedan alsm Awaps Day Below x minlbef d days n rte brig period x Daily Periodic Rab. (See to frtrice chaps sunray on your dbnertfor rtes arourils) Than we add lip No Periodic Echo Charges for each karm ion assay to gat rte teal Peak Fxwhoe Charges for your Awourt The averse Daly Belna is shown as zero d, because of ft grape period, no Parodic FYlrme Charges espy to to bears in a tarsedim c teM. We ore rte Awfalye Daly Bsrhce (ndld[Ig now karimmors) meMiod d alak*V fa bdrha rpm *oc h we bmpaea Pemdc Firwta Cherga We aarrpnb f W Anrgp Daly Balance fern each Iwraecxn abgay by adding up all On daly balances in a bistg period for a harmcen cas fay ad divft to OW by go =nber of days n in b ft W* We cmpule fW daiybelrea ter each kasadon c sgory on each day by first addg fhe bbwwg b fa proms days daily balm, taaaceorhs made rot day, bur charged nM day and Perodc Fmw Charges wwusd m fai day If u bavi con is phxibd b your Aecwd afar nor close d uhe blig period in which d occurs ws wilaura rte tanasabm as havtrg 000INred rota kid day of do bilkg period in which a a poatad b yaw Acookn, N Aooard w added b fa slndrd purchase tasadim celepory wib the ompbon of Cash Advenc , Trareacam Fee Fnatoe Charger MOM n added to rte area tanaaehon txtegory and 8alna Twofer Txarmclon Fee Finarhoa Chheign which are added b fo appbo" balance aansbr teraeckon abgay When fo special role epees, we man fo wgwd balance of to balance kaslr and on Bsw a Trardfer Tra seebah Fes Fuwhce Chagas b fa sla lard purchase kaaadhm abgrry. Hoechst, d rte spacial role his been Wnwdled under fhe Calult Rate Plan, we leave Via uprd balance of the balance tenaler aid to Balmos Tnrolr Traaicion Fee Fahrka Charge* in fur applicable nmacbm cabgay urdd fur epacal rib ward hart expired For TDO (Telsoommwdealtim Nvbs for the Dead) aslslnce, cal i4W347.7449. Dwonr may monia wxft record *Wais orb belwan you and Discover represeMa was for quality assuraha purpoess The Dwcasra cad is mind by Discover Berth, Manner FDIC. 01TSK107 DISCOVER New Balance Minimum Payment Due $8,831.36 $175.00 Payment Due Date January 9, 2008 10 SDSN6A01 0014436 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $(I Please make check payable to Discover Card or pay online G Discovercard.com. Go paperless and make your account information more secure with password. protected statements only you can access. Learn more at discover comlpaperless. PO BOX 71084 (Ilnr??ssssrrll?Isrslrloll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (u?r??n(ur(r??in?rr?rIru(((Im1n1u(rr(In(rrIrrIihill above, or go to Discover.com Print your e-mail address to receive important Account information and special offers 000001986458215636511088313600200000017500 .... - Discover More Card Account Summary Closing Dale: December 10, 2007 page 1 of 2 Account number ending in 6494 Previous Balance $8,267.37 Payment Der Date January 9, 2008 Payments And Credits - 200.00 Minimum Payment Due $175.00 Purchases + 643.82 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $1,068.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Cl?orgea + 120.17 Cash Credit Available $1,068.00 Now Balance $8,831.36 You may be able to avoid Periodic Finance Charges, NO the reverse side for details. Cashback Bonus' Opening Cashback Bonus Balance $ 52.07 New Cashbock Bonus This Period + 1.60 Cashbadc Bonus Balance $ 53.67 Cashbock BonusWAnniversary Month: August CONGRATULATIONSI Your Cashback Bonus(R) is wading for you. Vint Discovercord.com or call 1-800-DISCOVER (1.800.347-2683) to get your share of ;America's #1 Cash Rewards Program. How Can We Hel You? p 1. Visit Discover com to pay your bill for no cost, vi.w r latest Account information, earn and redeem rwmrdi and more It's your choice - 3 ways to help 2. Call 1-8004YSCOVER (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) ores reverse aids 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. D Da a s D ab Payn ants and Cnsdih Dec 6 Dec 6 PAYMENT- THANK YOU $ -200.00 Merchandae/Re1ai Nov 22 Nov 22 ONLINE GAMES POGO/EA WWW.EA.COM CA 39.99 22006705 Nov 24 Nov 24 DEB SHOPS CHAMBERSBURG PA 65.00 Dec 2 Dec 2 WAL-MART SC - #5358 SHIPPENSBURG PA 368.42 Dec 6 Dec 6 ONLINE GAMES POGO/EA WWW.EA.COM CA 2.99 22335020 8543904 Dec 7 Dec 7 ONLINE GAMES POGO/EA WWW.EA COM CA 2.99 22352877 Dec 8 Dec 8 FYE CAPITAL CITY 1538 CAMP HILL PA 158 44 Dec 8 Dec 8 ONLINE GAMES POGO/EA WWW.EA.COM CA . 5.99 61822585 Information For You For this holiday season, give a Discover(R) Gift Card and let than choose something that's just right. Discover Gift Cards ore now available at many retail locations. Visit Discovergiftcard.com/shop to find a retail location now you. To purchase your Discover Gift Card online, visit Diacovergiftcard.com WWoMt Idorrnd w Ntsre s mow #= one papa Was bdsgatalemmt, ao tw back d each pope braftwial anporw rfammtlon See your Car6nerd-Apresnwnt You Crfmutber apssmerd mldaas al tlw toms d you Acbant Lot or ortolan arch Report nnnedaWyt Cal 1800.347.2683 8ffing Rlg6A S- ary. In Case of Errors at tlusskmsAbad Ya t Bil. Ifyou hefk your bid a wrong, or ulyo you need more dfamiebon about a ka wobon on you bit wrde us on a separale sheet of paper at Discover, PO Box 30421, Sal Lake City! UT 84130.0421, as soon a poseur We neap her Yom you no later lawn 60 days allarwe send you the fast bi on which to error or problem appiwaid You can We*= us, but done so wtl not p nww you rV a In your later give us tw folowahg nformbon. • Yo r nenw andAmo rt msnber The dolr amoral of the suspected wor • Dasorbe tlw am and e0en, d you can, why you bek w fare a an error l you need more nbmskon desabe lie item you are unsure abed. You do not have b pay any airmail in quaekon whit we are rweetipatg, but you are all obkpaled b pay ft parts of you bi fist are not in son Wide we aweshpeb ynrr question, we cannot report you a de nWW or take any adon to celbd law anhount you "on SpecM Rak for Croft Cud Puirdnses: N you hawa pwbkm wdn the 9AWyof pooh or services lid you puchaad wth a aodtt wd end you have Died in good Wth to mffw to problem with tw mrdwd, you may not haw b pay law ramwwV amorrd due on fw goods or services. You have to probobon only when ft purchase pnoe was more Man 850 and Ma puchae wm made n you home ebb orwitch 100 codas d your rasing odd m (N we own oroperw tlw nardant, or d we nw W you the advresemrd for tlw goad or aeevrces. d is prdwe we covaad regarden of to awA or Imebon of ft pudisse•) PaymoNs. Sand only your psyno rd the by poison of in sptansd in the envelop prowled Do not send cash. By sending you deck as desabed above, you *Axx= us to use i dm inaon an your dads b melw and A,Danc lad transfer km your account at the isrhdd sasb4on ahfceledan you dock or b process the permit as a dads karsecion NMe paynnrd is ptoosandas an it m- c sus Aril Oa nsler, to kwWw wi be for the amunt of the dads. When we m eformslion kin your dads b make an ele ire lad tarsier, lobs any be wdhdre" km your aoraud as soon as ft same day we re rve you permit and you wi not mosive your dads beds tram your fnmaal nwlukm. The processing of your perrwd asybe delayed 9 you send calf, omespondaws or olv ram rdh yar peytrsnt, if you seW ft prymed taany other affair or if you use an envelops otwn Nan the one provided Payments racawad in proper trim at our pnooaag faalfy by 5pk1 bad tuns on any day wil be arsdaed to your Amount a of I* day Paynwds received at our pawning 1balkyy of w 5PM boil is wd be aaddsd lo yorAaard as of do next day N you hew PwgA wd your envelops, send your parriend to Dwoovr, PO Boor 6103, Card Steam, IL 60197-6103 Planes slaw ND days for dehery t your permit is nAurned unpaid, we rem" the"to resbmt d as an sladro q debt. You cen pay your maamm payment as Ireatremounl over the teleplbro, and you can sal hq aulmwic psrrwnb Cot ce d 1800.3472883 You red nod 9. dtwrwrd and you bank amount rfamMron. You msl ensure to sul wt fr * an svaisble in you bank amount and as transec6ars mud owpy wdk U S. taw You wi be salted to provide fw krd 5 fipds of you amount aldemrd ZIP code By encamp tnon ndnbere a your aleckon o agna . you vii be apesrg to On sulbornrason b slow us and your bank to deduct each payanrd you adlhmza kam your bank ammK and b atudds debd or ands eihn b your bank acmud. msppkodW. b owed error n fw proceerhp 019A psrant You must tt us ft ohm" d each psrnrd, or you can "Wen smart such as kirsan Psymrd Dwor law New Bathos on each detrhhent You can cenod a payment hwavw we mid woeive noboe d bat Mme burewa days in advdha dtw edsffed psrne d You may nw* to by plhone at 14003/72683 or by mil d the adbaa bled n tw previous prspraph l your psyno mgr wry n anou t we wit tl you on each nsnvoy awswrd when yo r p mere vii be made avid how much d red be. Your AubmNC pernent amour may be lees two Ow shdaaled on tw moethy delanwe baud on craft or peynwds applied dung to bfig cycle Crdl Rpwft. We mayrapod rfarnatm abed yea sanurd to waft bees us. Let psyne re, rheas I paymerds, or odwr delslt an your wwW may be reI in your rapist law a4su nil permit hairy of your Acmwd b aarkt p apsnan each nwrdh. N you bwnw turd our report is i soarde or romptt, please w#A us at too blowsg address: Osoovw. PO Box 15316. Wknapbn, DE 188565316 gWew ncktle your rem adfne, tame Wephon a smlwr and Amount nnber PEW= FNUNCE CRAGES. Pabfc Firwws Cho" we erpond anal karrscYOns kom tw dst tw wwmdm b pcebd b your Aoooud wM law dot you Psy yaw o kre New Balrwa, by malmp payrmds or n wAV as* Howwr, we vii provide to blovag'gnics pahaf N you pod ft New Balwhaa an your pervious bring dowar ant by dw Parted Due Deb shown on tw swernent and you pay law New Banns by to Pop" Dus Oats on this swwnw via wolf not inpose Prbfc France Chrges on new phrdwass, OW a. phadssse No appeemp on do ddwmrd Olwase, you wd rawn a big stelemerd net ma* that ndrda Pentc France Ctwrgsa an toes new purchases There's no pace period on bWmw kaslere or cash adwrroa. We sun your aerracDaa rib grays of purdwns, cash advrmis, and Warm transfers andfw krtrr sod to ksnaacfans whfn each pare by their Annual Percentage Rate For eanple grdwsn rtpot b a prmweonal rate and pudhaaa cutapd b elerdrd rat waW be uprde groups, We rent to two gaups a transaction cabpona At tw and of each bdsg period, we ow" Pwaft Firma Charges for each day of Ow bdtg period for each Vie seclion al".. We use Ike blova g equation b ma" Prbfc for each karsaokon cebgory Average Daly Balance x ranrbr of drys In law big penal x Daly Prhale Rob. (See the ihance dwwp s may on you Momwit for Mass arrant) Dien we add up IM Parwlc Finarim Charpn br each karnrduon category to pd do WA Penadw Frans Charge to your Amount The average Daly Balance is shown a zoo f, because of tw trace period, w Perbdo Frww Charges apply to tw balance in a Deneadron cetagory We use #wAwW Dedy Balance {ndufrp now krsemns) nwM W d celauttrp to balwoe upon whddh we npose Parodic Fkwhce Cherow We compute dw Averapa Daly Balance foresch kwmc im co" by adfrg up d tw daily bsWer m in a bkq period br a twolubcn cdegay and *wdkg tw lord by tw mwbw ddaya n tw big %, de We oarydAs Mhe dsdy bdrra for esdh kansamon rabgary on each day by fad adding to b bwag to to previous days daiybelm, krsacsas marls the day, ten darted tut day and Pwoo& Faww Chogn aaxuod on fret day N a kansachon a poled b yowA red air fw don d tw bdkg penal in much gown, via wi Year fe transaction a hragocawW m tw lird day d fw bdrg pfd n wladhd s posted b yotwAaanl. All to ud are sdded b fw denudate purdhesa kantackun cetepaywuthtla auxqutim d Cash Advance Trensackm Fo Frsehoe Cherg,s which ens added b tlw a tranackon nbgory and Bdrhce Trrrtr Trrhadlorh Fes ftinshw Clhrges much are added b law appkceble balance kenstier b'rasokan WMn law speed nab expses, acs nave Mw unpaid batrsa d law Datra tender arid law Betnoe Trenger Trarhsedwuh fa Fiwrhoe Charyea b law atesdsrd pudan traon cetpory. tloasvar f law gwcd rat Ire best lemrhatd order the Detrd Rat Plm, ww taus the urpaud bdrhoe d the batnoe trensfr and the Belohce Trenebr Trersactim Fee Frarce Chhrgn n the appkcebt barsection cetpoly und Ire speed nets would haw errpired. For TDD (TNeaommnmhallans DaWo for #w Dnf) aeattnce, cad 1400.317.7448. Discover my monfor wdbr mooed teleplhorw dle belaiew you and Daoow rapreamiWva layuality assurance punposa The DiwowrO and a nand by Dsower Bank, Member FDIC. OITBK107 DISCOVER It pays to HEDGE, VIRGINIA M Account number ending in 6494 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox, • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today of Discover.com/papedess ®2909 Discover Bank, Member FDIC Closing Date: December 10, 2007 page 2 of 2 Do you know your credit score8 Discover's new Credit ScoreTracker provides easy to use fools so you can understand your credit rating and help you reach your financial goals. Enroll online and get unlimited access to your Experian credit report and score. Visit Discovercard.com/CreditScoreTracker to enroll. Finance Charge Summary offer for current billing period: Daily Periodic Rate: 0.02164%; corresponding ANNUAL PERCENTAGE R WRats rs subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee DaigOlancss Pe is PERCENTAGE RATES NTAt3E P ? CHARGES CHARGES current billing period: 30 days Purchases $8481.36 0.04723% 17.24% V 17 24% $120.17 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $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). DISCOVER New Balance Minimum Payment Due $9,556.83 $189.00 Payment Due Date February 9, 2008 10 SDSN6A0100 14437 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $1 Please make check payable to Discover Card or pay online Q Discovercord cam. Go paperless and make your account information more secure with pasrAwd- protected statements only you can access Learn more at discover corrdpaperless. PO BOX 71084 Ill rrrllrrrsrrllllsrslrlrrl CHARLOTTE NC 28272-1084 Address, "oil or telephone change? Print change in space lrilrlluln?lrlluilnlilIf illll1u11111 nllulnl 11111111 above, or go to Diuover.com Print your e-mail address to receive important Account information and special offers. 000001986458215636511095568300200000018900 Discover More Card Account Summary Closing Dale: January 10, 2008 page 1 of 2 Account number ending in 6494 Previous Balance $8,831.36 Payment Due Date February 9, 2008 Payments And Credits 200.00 Minimum Payment Due $189.00 Purchases + 788 02 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $343.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Financee Charles + 137.45 Cash Credit Available $343.00 New Balance $9,55683 You may be able to avoid Periodic Finance Charges, no the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 53.67 New Cashbock Bonus This Period + 1.96 Cashback Bonus Balance $ 55.63 Cashback BonuA Anniversary Month: August CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1.800.347-2683) to got your afore of America's #1 Cash Rewardff Program. How Can We Help You? 1. Visit Discover cem to pay yarn be for no ce",view ur P latest Account information, eam and redeem rewardsoand non 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 Dissever Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) no reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarani" Use your Discover Card with confidence Trans. P e D ab Payments and Credits Jan 5 Jan 5 PAYMENT - THANK YOU $ .200.00 Merchandise/Retail Dec 9 Dec 11 WAL-MART SC -115358 SHIPPENSBURG PA 128.41 Dec 15 Dec 15 TARGET CHAMBERSBURGPA 6717 Dec 15 Dec 15 WAL-MART SC - *5358 SHIPPENSBURG PA 192.56 Dec 15 Dec 15 FYE CHAMBERSBURG 1876 CHABERSBURG PA 21.92 Doc 15 Dec 15 KMART SHIPPENSBURG PA 61.76 Dec 15 Dec 15 VALUE CITY 0158 CHAMBERSBURG PA 14.99 8543904 Dec 16 Doc 16 AVP"AVON PRODUCTS YAN 513.551-2866 DE 128.70 GM00125139300 Dec 19 Dec 19 WAL-MART SC - #15358 SHIPPENSBURG PA 9027 Dec 21 Doc 21 ONLINE GAMES POGO/EA WWW.EA.COM CA 2.99 22607563 Doc 23 Dec 23 ONLINE GAMES POGO/EA WWW.EA.COM CA 2 99 22645862 Dec 23 Dec 23 DEB SHOPS CHAMBERSBURG PA 27.98 Doc 23 Dec 23 VALUE CITY 0158 CHAMBERSBURG PA 41.69 Doc 25 Doc 25 ONLINE GAMES POGO/EA WWW.EA.COM CA 5.99 22682382 Wish you could sat these purchases by amount, description or category? You can - register of Diuovercord.com to view your purchases online as for bock as 12 months. Loam more at Diuovercard.com/purc wW Wg Vmbnaatlorn 911100 w more two one pops b In Wig Martini, we the beds at each peps tea additional important information Ses you Cardmenlbar Agnmemenl Your CadnOntier apeanenl contains d on lemw of your Aeoouri, Lost or dolen cards Report rneadatelyr Call 15043474 03 Bd ft MO* llvnw wy. in Came of Enure or Questions About Your St I you think your bd a wrong, at t you need more rdomnoaon about a renorbon on you bill, was us on 0 sop tits a sheet d paper at Uncover, PO Box 30121, Soft lake Chry, UT 8413D-Mil, as soon am poeef We mud her ram you no later than 60 days after we sent you the ird bill on which to arts or pobbm appeared You an telephone us, but doing so will not preserve your rights In yo1?letier, pre us to ROD" sdormasen- • Your name atdAmount ramdter The doN00n0ar d On suspected won • Desabe to Omar end rgdan, dyoucan, Why you bdeve Iwre so an saw, I you need mss elfomnbon, describe the item you are unsure about. You do rat here b pay any,noat in que0bn whip we ore nvedpebg, but you ant sN obipeled b psy the parts dyou bill fd 0s rat in question While we Wasson, we cow repot you as d n*wd or lain army scson b cow to WOA you gceswn. 1AN0stte1e your Special the p Rde? for Credit Cad Puthea . 9 you haw a problem with to gAkyd goods or services that you pndnasedwith a credi card and you have Vied in good bah to coned . YW may not have b pay t1s renwi o g amourtdue on to goods or ser noes, You have tss p oiscaon only when the purdwe price was mat than $W and tw pudues Mies made n your home sorb a wtm 100 codas d yourmeet address (Uwe own a operate the merchant, a dwe muted you Ove adwtrswnerw fa the good or ewaoes, d tie pscf we covered mgwdwsd No ammrt or kncefon of to purchase) Payments. Send only your peyrnerd ad the by portion d the slebm0d in to amebp provided. Do riot send ash. By sending your dnd<as dascrbed above, autonas w to use domination on your dude to make and elecraec fad ransW from your amount at to iruncrd swBnVon rldcatad an your dada or b poem to payrrw as a check ra wscton Ito peymem a processed a an aMclroac fund rands, to trawler will be for to amount of tie dledc When we use enbrnefom ran your d" to make an electronic in VOn lead rensler, kinds they be wv11ntewn 1mm your account a soon ea the same day we rece ve your payment, and you 4 no racww your dwdc bads torn your Frhalael stitu The proceaang dyer p WW maybe delayed d you sad cash, oarmgorderoe or o11wr Om with your payment, I you send the peymax to any odwraddress or d you use an emvebpe other than the one pwMW Payments thawed in paper form at our pomang tacky by 5PM teal law on any day will be credited to your Accent as of Out day Paymerds recewd of our processing hasp af1a 5PM local firms will be credited to yourAocou t a dtu next day. It you haw mwpisoed your envelops. said you pe}nwd to Owernw. PO Box 6103, Gard Stearn, IL 1975103 Please allow 7-10 days for delivery I you paynnrd is returned uni we reserve to right to resuhM d as an elections: deal. You can pay your m rrnann paymaw or a paler amount oar the blephons, ad you con set up subawb Ptflr*WL Call us at 1.8043472683 Vou will need to statement and your bsek account sdomndhon. You must woos that ad omit lends are available n your bank account and all rawaciaw meat amply with U S law You wily be sAW to to kit 5 p* deduct se? of you account sidannerd ZIP code. By ardanp thte members as your loam m: spnepre, you will be agreerg to In auilonzeta to allow us and your b to PMnes? You artoma ran your belt accord, and to erase deW or aedi ertnes b beds amount, as applicalile, to correct wair in the puessing of such payment You tad tell us to s ma0dd each peymat, or you an select on amount such a Mariam Payn e d Due or to Now Bdrot n eeadr eldenelt anal s adidmoss WW in Wwe nun receive noloe at IsW tree busua days in adwoe stn scheduled psyrnalt Ya may noafy us by plow at 1400317,2883 or by and d 00 V? premibus paragraph. I your payawrw may very in arrouit we will let you on each maft etabmad when your paywwd who be made and how much it will be. Aulornallic Pernaq amont may be less Own the shdabd an the monthly showrwrr based on waft or payments applad during to Wig cycle Grunt Reporting. We may report sdormdnm about you account to aedt bureaus Lase pepwrils, mead paymade, or otln0 debdb an your account may be relleded in your credi report We nenmWy report tie sb9a ad psymwnd history d your Account b as* npasrq agencies each month I you Maws td our report a inaccurate or pbeme wnb a at tlubtowmp address. Dwoovar, PO Bur 16316, Wkwom, OE 198505316. Pbae udud0 yournerve, etldea, hare telephone nanb0 and Account nurnow . PERIODIC FRANCE CHAGES. Punk Finance Chagas are imposed on d transactions nom the data to asnsacaon is posed to yourAcoard until to dab New Balance. by making paymwnb a rso0vig aedb However, we will powde tie fotlo"'grace pwad' If you pad do New Bderce on you pay your cwt your 11w Papnent Due Dab shown an to dabrrwnf, ad you pay In New Balance by Ins Paymera Due Dab antler statemerd we veil riot impose Pennd?F nance? Chtabined arges on new purchases tint is, purchases kdappeanp on ode debnwrd. Otwrw me, you will reoave a bkq shunwnt next month Owl includes Petada Finance Omegas on those new purchases These a no pat perad on balance rarwbrs or ash advances. Vft &W your Inivasolsons into For ?? groups of prduese, ash advanoae, and balance tremdsrs and than father sort the transactions wft each grail by their Annual Percentage Rib sur and death burg period, tea imto a pute promotional Panodic rise and purchases slbpct b sbrhderd no would be separate groups. We rebr to towgroups as asinsecfae cae lgonas. At to Charges breach day d tie bring pond for each I awecl ah celag ry We usetie for each 1 wage ?1aBalnce x ranter of days in to big period x Daly Pe odic Rob. (See she irwnce doge atrmwyon your rwlem0 for these Mown as zero d. because of to Charges breech transaction category to got tie bid Periodic France Charges for your Arrant The averega Daly Balancew Fm penod, no Parodic Fens Chagas apply to she bat n a rasseo110nabgory We use twAwrage Doty Belaoe fndudxg nor tinneacrana) mrr11od d mla?dag the befrnce upon which we mom Pwndc Fraance C We Balance fa each trawagarh celspory by adding up at to daily balances in a billing pw W for a ransac;on calegory ad diwd g the bid by the diemn11b ? m ? ? OW coampi b to My balance Fnrra for each transaction cwpay on each day by find addnp the folimg to the pevvA days daily balance, l awectitns mule the day, f charged hewrgscarredantlw fnd so a tW? Ia aenaarLm p yourAt>? ? the dose d the Wbg period in Mich town, we wt treat to transaction dry Wisp pond m whrh t s posted b the appl' as whoa unf amim added to the MwAwd p rrhae renssol on cabegay with the excapion of Cash Advance Transaction Fee Fxhahce Charges vrfsoh we added to cc When to epsael nab exiles, we mow etoo Is ry and Bebnee Trawls, TrrwOda Fee FwuCherges which we added to to apptcade balance kw*W Vansechon category unpaid balance of the balance Inewler and the Beene Tars ie Trrnecaa Fee Finance Charges to the eler I, purchase transacbon Magory. However. f the spans! rasa has been lemrnled under to De" Rate Plan, we teen to unpaid balance of the balance rawbr and the Beim Transfer Transaction Fee Finance Charges in the Wpioeble ram asobon all" until to VeoW rate world he" muted For TDb (Toleoommuniatlaw Device for the Dos) assistance, cell 1 00.5{7-7440. Drscova rnaY mach rdicr MWd TOGA w calls between you end Dwwvw reproertaaws for qusity assurance prpcees The Dimcmers Card is issued by Discover Bank. Maribor FDIC 01TBK107 DISCOVER It pays ro HEDGE, VIRGINIA M pMOVEg. Account number ending in 649,4 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless ®2009 Ducwer Bank, Member FDIC Closing Date: January 10, 2008 page 2 of 2 Finance Charge Summary offer for current billing period: Daily Periodic Rate: 0.02164%; corresponding A Rate is subject to the terms of the offer including expiration NNUAL PERCENTAGE . Nominal Average Daily ANNUAL ANNUAL Transaction Periodic Fee a PERCENTAGE PERCENTAGE ? R l FlINANCE FINANCE R ? e current billing period: 31 days _ Purchases $9524.38 0.04655% 16.99% V 16.99% $137.45 $0 Cosh Advances $0 0.06299% 22.99% F 22.99% $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. DISCOVER New Balance Minimum Payment Due $9,719.31 $192.00 Payment Due Date March 9, 2008 10 SDSN6A010014438 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ 1 1 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.comfpaperiess. PO BOX 71084 111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lnlrllrrlnrlrll1 I III I I 1 111pill I I UII I I III I III III 11 1111 till ll above, or go to Discover.com. Print your e-mail address to receive important Account information and special oilers. 000001986458215636511097193100200000019200 Discover More Card Account Summary Closing Dab: February 10, 2008 page 1 of 2 Account number ending in 6494 Previous Balance $9,556.83 Payment Due Date March 9, 2008 Payments And Credits 200.00 Minimum Payment Due $192.00 Purchases + 231.73 Credit limit $9,90000 Cash Advances + 0.00 Credit Available $180.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 130.75 Cash Credit Available $18000 New Balance . $9,719.31 You may be able to avoid Periodic Finance Charges, us the reverse side for details. Cashback Sonuse Opening Cashbock Bonus Balance $ 55.63 New Cashbock Bonus This Period + 0.57 Cashbodc Bonus Balance $ 56.20 Coshbock Bonus® Anniversary Month: August CONGRATUL4TIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discovercard.com or call 1.8004NSCOVER (1-800.347.2683) to get your share of ;America's 01 Cash Rewards Program. your How Can We Help You? I . Visit DiseoverAwn to pay year 62 for no cod, I lot" 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 spear with a Customer Service Account Manager Please have your Discover Card available. 3 For TDD assistance for hearing impaired) fired see reverse side . Write us of Discover Cord, PO Box 30943, ( ng i f? ) Sat Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. D ata D Payments and Credits Feb 9 Feb 9 PAYMENT - THANK YOU $ •200.00 Merchandise/Rdai Jon 8 Jan 11 ONLINE GAMES POGO/EA WWW.EA.COM CA 5.99 22954980 Jan 20 Jan 20 ONLINE GAMES POGO/EA WWW.EA.COM CA 6.99 62277129 Feb 1 Feb 1 ONLINE GAMES POGO/EA WWW.EA.COM CA 12.70 23416826 85,4N" Jan 18 Jan 18 SHETRON'S TIRE SERVICE SHIPPENSBURG PA 206.05 Information for You Use your Discover(R) Card to make a $150 donation to The Statue of Liberty Ellis Island Foundation, Inc. and you can have the name of someone you care about engraved on The American Immigrant Wall of Honor(R), built to celebrate freedom and commemorate American Dreams. For more information, log on to Discovercard.com Planning a Spring Break trip? Whether it's near or for, book online and save - with 5% to 20% Cashback Bonus(R) at top retailers like Corniva(R) Cruises, MyHotelStay.com, and Thrifty car rental just link through ShopDiscover at Discoverwrd.com/shop -•" .wwarorr a wrard a more I= Oft Papa b 11111 b" Matemant, as 1n back leach papa la ad*"W ngrwtW wdonrrlion Sae Yew Cw*n-bw ApNernerrt Your Cardnmlber Vrea nnent MUM al the tame of your Mcc, L Lad or ambn arch. Report m nedrebyl coo 1400.947.2883 BMW WO flumniarlt In Call. of ErM or w *AboL You Od Hyyaauu 1mk your bd k wrap, Of If you need mar wiorme6m about a eantachm an yar bil, wro us on a npmft n wfxdr the d 9w Or d o pmblan appeared.You ken f', UT 81130.0121, n aom n Poeeble We must beer ban you nor INerthan 00 days etw wa sent you tlr kM bit O Wephorte us, but done so wT not P eemve you Vft. In you le1er, WIN us 1e JOII rp n(mr bon. Your nema and Account number The (1ofer amue of the suspected wa • Deeoribs Me error end ergiawn, a you can, wiry you believe there is an wor. I you need mss rdamIlAw describe tlr Ibm you are unsure about Yes do nil hew b M any anrotee n qunbn wok we am nvnbyeanp, but you &M ON Obbpabd b pay to park of your bl I W are no n quesbon. While we in queMim, we cannot report you as delinquent or lava any adm to odbd ow u=A you *wsam ve6lpab your Spacial RNs, for Cred1 Cad Purdwaee: I you hew a pmblernweh th quaky Of goods or services, tat You Pudweed wait a rearm cad end you have End in pool kith b cared the prablan w1s tle nrsdwe You may not hew b P11Y atreMunp emorart due on 1n pood11 a sawn You hew Me pmbchm Only when On purdwe price was more tan 150 end prwdva11e sun made in you hang stele a vdtlrr 100 mks d you riniAp addfeea (1 vvean agww the nerdrd, or ll we mated you tw adwr6wand for ft ? Outcries ero coveNd repadefa d tlnemotnt a balm d Ma psrahne.) P • Serial oily You payrrad arvd Me fop pabm d 111 atetemae n tln enve10p provirlad Oo cot rend rash By sawirp You duck as deeamed above, you aulncm us b vee rrbrnraon m you check b make'end abctraxe krrd tasebr roam your ao0are N 1e finarral etMi6rbon ndiakd on Your dwir or to Room tw payment as a de k eMcbavc w proaaad e11 en electonc kad 6arsfer. Sn 6ariaNr veil 1011 fa Me arnuN cite crick M- we use 11110mn6m train you d" to make an raahNOri rMy be wthdNwn ban you sacotre moon n 1n rime day we recerw You peyrrwrt and you will not remove your ct" bed torn you fnerlpa The ping of you payment aeyln dWgod d you card ash, owrowndena or other f- wait Yam Paymnru. If ya+ send the p"W to any Other addreae «d you use an envalape other Men 10 ON Provided Payments; received in proles farm at ow Wmese p be ft by 5PM 1001 kne on any day WJ be addlled b your Account as of Met day Paynrerb received at our proonwp te1er 5PM kxxl lime w1 be a"lod b mgAocaup n d Ma next day 1 you have mapboed you wmkn e, surd you pym m b Discover, PO Due 103, Card ..11197-6103 Pbno alow 7-10 dada br delwryr. Myou peynnM a re6aned unpaid. we raw" Me ngM to reautxat d ore an eleo6ontodebt You can pay your memun PeYIGnt Ora W-W amount over Me feleplaw, and you can ad up auorobc prpwsk. Cell us at 1400-3472643 You we now tlw Malanw and Your tln Of nfa*m. you "M e e #W "c'ed rand; are walabk n yea bads flow". end all trareaorr mat candid war U & low You war be aakad to provide 6M YOU Oyu" ftetrxnbaa re)oW abmtrawC signature, you w1 be deduct duce. YOU p M you a*- I curb bark SIMM, and b woo debit or aadd &*me b yaw bank amount, aWwbk, to mrrad star m #0 pmawap your such b de payewe, a you an aeled an amoun such as hlrom Pawwd Des a 1n Now Balance m deco aWatrent Yau an anal a PeYMt, havdwrwe must Nerve nabca all brit #m busnew days n adwrce d 1e sdndied payment Ya may radiy ud by phoneN1400)17 2883abyrirllNthe addNnfailed n hs pNVrout peragrryth.l you payrrernk cop vast nanctrewe veil M you m such rrgntliy ebbnveri when your paynwe wi 1011 mere il and how much a ve be. Your AulonvMC payranl emorrd my be lead Men tln ndraled on Me MW* MMarwg heed p aedik or psymsuk applied during to b ing cycle C OrO*mPOft re itpalbp. We may report wianiam about uyour amore b ae* W"w Lab paynraes, m. I pePner". W other deleulk an You boom maybe roI.,- Myour pbns wfb w Otte Mower ad?bn11 Dr miw, owP09aa 1s Agicnl 101985 Ili. P ma adman deco mmM Myou below Mal air report « 163 . 4ViYrwpbn. DE 19850.5318. ndede you now addnna, barn kbplrme rgnber warrber and war Amount NaMer. PERIODIC FKMCE CHMES. Pen & ft-Chaps die unposed on al bawacbpr ft" to dela 10 tanachon It Posted ID YM No Now e ?seeking any a% jaceneng as* Fbwwker,weviiprovide theMOMI g pa pdeWNyoupadfwIB@Wmo.Yaapua..bbq abN ast Were thedeass e, PDab teasentart ow you pay to New Balaxxr by ft Pam" No Oafs on Ma afeferna t we war not wpm Parbdla Firma Overges on new O#wwm pudisess. Thee a - Pap peicd an' I ' I cash advances YOU vii few" a burp settlement nod rranM MM inckrdea Peno6c Frvrca (lveye; on More new We W" YOUr Wwwubwa For pia purdweag su pd 10 s gFOUps of purdissew, pmnlokwW rak amid pwdw e, and balance 6aafere and Men l rtw eat 1n Vwmat me wilco each group by MnAmud Percentage RNe end d "O hiMp Parcel, weoatgtAaParodicF -o Pwg? abyadb al ft bar V s_rob would be Kwpmb ft Wm". WO NW ID Muss granrps n tramwlon abparnn Alt, br odr baneedan pepay. Awrpp Day Saw" x nuwd days in tl?dq DWY pr each Rnaedrm cee, a We we to M" equabon b compare Pandc The" Few= Changes for each shoran nn)zam 9. INS, bapuevs dMrMe time Dom, no POO& Frrnce t ? 101111 Paadic? F nonce Cheipn charge per AccouN. Tor averspe Defy Baton s use to 0vmpen VOY ID Me balance in a treneecfm catepayr. We We- for each D cAOn (gip new hnsscbae)med Of c8hie`ng to balance upon wh dv we wnpae Penodc Finanoa War compute a 11110 c dray b Ion h Eby adft up al the defy balanoae et a bike pace for a traWAM abpay and dmdwp the low by rxwrber of lode n t. hied pare MOWN Ih l day and Pacdc Fawn 0wpn avekgrutecam matMon each day rred on1abamwiai a p addkp ? rAcco n b ? pBVlge dada duty bdOnce, ha Mobmre mode thM day, fees dwpad as hewnp Ocarrsd on the iN day d Me bo%period owl art d e podW b yot? bAooaad. ooaad spa Me dose cite bar rp pasrd in wMdn it agars, we wiN Got M. transoam Al we added 1n p 7( vJ Yateecfm b 1n standard pudrps trM11odion ptepory web 1e axaPfon of Cash Advance Transaction Fa F+rrnca Charges; Woo we added b calegoty and Bd- Franca added tMapory" ? nese as caxpeese we mow ft uywd 6Mrna d Me bakna tnda end to Ba m T= wTTweacim Fee rr VOcabile b? Invedle. d. pragrm Comm Fee fimp , d ft apsaY we he bon rarmnded under tln DNauk Rate plan, we leave to ur pend bd- of to balance trar0ferMland Beteivoe Tunew scion Trans lea n aPdiable trareecYon atepory Irnd tln apaad reb would Inevs expwed For TDO (TNaaseniuMatlaria DMa for the D_q antaM ee, cd i_ 347.7449. Dwover may monitor aNtr Noord teMphne 01103 between you and Dna00rer represerdaivee far quek sine arse Pedos" The Dravae card is rsued by Oacowr Barrk, Member FDIC. OITBK107 DISCOVER It pays to HEDGE, VIRGINIA M DISCOVER Account number ending in 6494 Get added security with no paper trail , Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless 02009 D Kmw Bank, Member FDIC Closing Doh: February 10, 2008 page 2 of 2 Finance Charge Summary offer for current billing period: Daily Periodic Rafe: 0.02164%; corresponding ANNUAL PERCENTAGE : .9VX` Rat* is subied to the terms of the offer including ex iration p . Nominal Average Daily ANNUAL ANNUAL Transaction Periodic Fee o dic PERCENTAGE WAGE n FINANCE s Bala ce RR? CHARGES current billing period: 31 days Purchases $9781.42 0.04312% 15.74% V 15.74% $130.75 $0 Cash Advances $0 0.06299% 22 99% F 22.99% $0 $0 The rates that apply to your Account ore either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.corn or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due DISCOVER $10,004,95 s402.00 Payment Due Date Apra 9, 2008 10 SDSNSA01 0014439 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ Please make check R70: e to Di?tover Card. You are ovedimnt. sum of the monthly minimum payment plus the overlimit amount of $104.95. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover corrv"petless. PO BOX 71084 Illmllnsurllllurlslnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change; Print change in space 141111111111 rlrllnrlulr?nr(???nJnlnlullu(ulu(r?nll above, or go to Discover.com Print your e-mail address to receive important Account information and special offers. 000001986458215636511100049500000000040200 Discover More Card Account Summary Closing Date: March 10, 2008 page 1 of 2 Account number ending in 6494 Previous Balance $9,719.31 Payment Due Date April 9, 2008 Payments And Credits 0.00 Minimum Payment Due $402.00 Purchases + 90.70 Credit limit $9,90000 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,00000 Finance Charles + 194.94 Cash Credit Available $0.00 New Balance $10,004.95 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CcmhbcKk Bowe hbock Opening Cas $ 5620 h Bonus This . Now Cashbok Cashbodc Bonus Balance $ 56.23 Cashback Bonos® Anniversary Month: August How Can We Help You? p 1. Visit Discover corn to pay your bill for no co*, view yon r latest Account information, earn and redeem rewards a'nd more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Froud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Merchandise/Retail Feb 26 Feb 26 ONLINE GAMES POGO/EA WWW.EA.COM CA $ 6.35 62657958 Mar 5 Mar 5 ONLINE GAMES POGO/EA WWW EA COM CA 6 35 24088204 Ocher/Miscellaneous Mar 10 Mar 10 OVERLIMIT FEE 39.00 Mar 10 Mar 10 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. 8543904 Need some help around the house; Get 07 ized for spring with your Discover(R) Card. Get 5% to 20% Cashback Bonus(R) at top online retailers like Linens ngs Sears and Office Max on our exclusive online shopping site, ShopDiscover. Visit Discovercard com/shop todayI mpo W bsermWon keen a core than era papa io the brkg Mdwnerit, enthe beds d each peps for adii&W mponMt rdamabn Bee Your CmdAamberArrista k Yb r Crdnamber apoomort a rites d the terms o (your Acowt Lost or Wolm ardor Report anraailasebyh Cal 14MUT- O BINnp Rbhq 8uaenry. In Caen of Eirm or Ouea6aa About Your fit 9 you lack you bA is wwo «d you need more rdameYM dw a traraadpn on you bit was us on a separascorerdpaper atOecaw,PoBox30121,SakLabeCil UT8H30•W21,assoonaepossible rya muse hear from you no later gm 60dareamwesent youtoWbil on which to enar or problem appeared You can Wriphoro us, but deg so wi not preserve pr nghle. In you Mle, g w to the foloweg adonnebokh. • Your rwos andAomi d number The door amorist of the suspected error • Describe Ica am end euplan, it you an, why you below ewe a an ant. N you need mere sdorrrabbrh, dnabe to Item you am ueuw about You do not hew to pay My Maud m gnarm white we w nvestige but you an ell obligated to pay to gAWm. we ceoat report you as deiqued or tab shy adorn to coled the smont you question s o (your big the are not in dyueetion. Wile we rrwerpese you SpscW Rase Ior C" Card Puehaesa: k you hew a problem waMhe qudAy of pods or services to you purchased with a dredd card rd you have bed in good With to correct the problem with to nardwit, you nosy not hove to pay the nnairag amount due m M goods or sown You have to prom a* when to purcan pea was mom tan $50 end pedwe was made n you hone a" or wim 100 mite of your maifrg address (l we own or operate the merchad, or 8 we oared you gar Wvatesertwit for the good or services, al the pudwe are orwend repa4an of to amarrif rboa lm of to purchase) Payments. Bend ody you pgamentad tla lop porlm of to sclarrad n to orwlop pronged. Do rat send cosh By sendeg Your dads as deeabed above, YOU rrtarm us to VorisecOort use edornaaorh on your cacao make wl aleckoroc lad raraMrtam you occouM a to hwwW saMulm urudhcated an you deck or b process; to pop w as a died rpowmd es m eNcfiww bd rmdr to rarafr work bs bertha amorrit dthe dads. When war userdomurM from you cads b math M nsOlutim may be whghrtaw bate your aooohait ore soon seta same day we noerve You? peymerit and you wi not receive you dads back ken yak lrhauctal orwo1op he pros ghMylhsps? me* delayed d )vu send cost,, mrnporhdraa or other derma wilh Yak payments, if you said to payrnardb any of err address or d you use an T prwaW(P?ormssi s reoerad in proper form at ourprocesmp teck by 5PW local Imo many day wi be credited to yourAccount as d use day Werw oto Oaoaer. PO Bent 6103 Crd Skew , N 6019Ib103 Pkeee slowreddsd b yarAomuMp alga rand day If you hew rrdeplaoed your Mwlopo, acrd ypr payrraM to detromc debA days for deFarY g you permed a Iduned typed, we resew to r& to roebrM d asM You can ply Per nirwhwu pyrartora peeW amoMt over to bkpharo, and you can eel up submabo paymeNS. Cd is at 1400.3472683 You wi rased on asebmerit rd yo drat 5 sma sal minim. You muse morn Ow r dioset funds we awil" n yak bays .scope, ad d braeelaa must comply with U $. law You wail be a" to provds _ Idol dpte of you accoiat aWerrestZIP code. By anseng Vase arnbrs a you a , -a , - slgrrpw, you wail be agreeing to the oulhaixrim 10 Glow u and your bank to payment You @PAM lel u n YOU gar at Your W* aocarnt, and to Mea48M r ae6trbies to Your berdc aooouit, as apPk ", b correct error in to prooserq of such Morton Y must ses mdse recow, mi rwhda at seas terse or you = seled at mount such as Mffw m Payrrurd pea or to New Belem on each asetemad. You can cehosl a eddees . hou wn bussion days n adverse of to scodhited peynarit. You may notify in by 000 d 14003174683 or by mail at the PurAous paragraph N you psyn girds may vary n anouM we wl Id you m each mor" detemant when yar psynwt wi be made rd how much it wi be YourAubmatic peymarit eramf may be lose gem the ia6cabd on the montdy aYtameM based on orodts or permit appl ed dung the Moog cycle. Credit Repo ft Yya aey report inlormebm.bolt you KwW b redt Mom Lab peyrnerMs, mined payments, or agar delydte on you soooud may your m*raatgarbM repo rttoshiusSWr, PO Box 6 youAocarit brelitryprWpoprwesearnmo*.9youbelow #Wcarreport an urae ircrnpWs. Wdnnplm, DE 198548316. Plains rd & you now, &Wra , hone la *Ovw mmbr aidAo=W number. PERIODIC FMIANCE CNAGEB. Per Finena Chrges are imposed and rantaceons from to ddego rsasadan is posted to yasAcoasM urdi gar dale New BOO, by melag psyearMa or feorveg aedite. Ilowewr, we wi povids to foloeeup'grete Panod' N You pod to Now Belenoe m you pr yet two otown Wn ? orb bWean 'k NNtw dMmv* M, and Ycu pay the NwBaWa bythe Pays W Dus Oat ontu dMu wd wo war net herpes penadhc two sF s C hares on new Pala P appeaag an the statement Otarwss, You wil recwe a b&V atiremad rand month tw mddn Persoft France Chrges on those row pudases. Then a noBrace Prod on balerha bassets r cash adwnces. We son you rasesee cYora Mom" d pudases, ash adurase, and bow" trarmi and then balhe morns rMSader s wttm each group thavArimal ercomelp Rase. and b ft d b a MnW WW rob eel up da.n rrbyed b gndard roleword bar r pwo grouts. We ter b tar*Wupo by trrow4m eeMgaar. At to for each rh bft Prei Balance r eunbr of fof each day of the bing prod for each need. ciii We use to Ioloweg W.M. b p* Pd. am vi n ashy Avaaga sn we add cep the Peno6c Fswaa Chow mlor berdrclap a s the eft period x Daly Persodc Rds. (See to iena dirge susmey on yrr stWrmerM for lam MO) ) shown n Zero It, because dlhe grate Prod, no Per*& Fsanoe °? be gel the bed Panodre Frerhte Charges for your Aooount. The average Daly Belrsa s Charges apply b to bdana n e treraacton colepory. W e use to Average D* BalY by addhrd* o w ??) method of aladaig to baMnoe upoo which we impose peradic Fnence Charges. Average Dory Balance aampAe the dily bsana for arch ye tit d* bdanors n o 6iohp Prod for a raraacrm coleiory and diwdag the del byaurrber of 6p m On biIGg cycle otlr" M aadh dey by bit addorp to bYoweg to the pre- a OW (1111Y W Per hevogoaerredmri i? sw? on lief day lea rraKbm a mdse b wAo=" age to dose of ow i repprod nrwtw omn weews?reat fan charged tra seAm as ??oo day bigpwWnWichitapostedroMrAwDrit W* OdW b ths??v76oe rwecbn to aladrd Purchase rraactonubpay with the eaeplM of Cash Admice Traaedbn Fee Fnaha Charges which are added to When it* apeoW rase espies, we mow to wW balance of the baMnce rrabr and to BeWha Trieralor TrMSacoM Fee narice C ds was ? cMriguy Fester MIbwevr, if the VKW rose hoe been Mrtne bed under to D*W Rats Pion, we Meva to upsd beMnoa of gar hoWice trarak end the Boone TTra q? T Srrascbm Charges in to "bcobb Wnwbm asepey unit to spats nth MM haw espred For TOD (Tebsommus ages Doves for the Deal eassebna, al 1400.347-7411. Discover may mahibr amdibr record tesephorr elk iahwen you end Dscowr rapraeerMdvas for qus* assurance pupae. The Discover' card a issued by Decoy Bunk, Member FDIC. O1TOK107 DISCOVER If pays to HEDGE, VIRGINIAM DISCOVEW Account number ending in 6494 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadoble, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discover.com/papedess X 02009 Dix Bonk, Member FDIC I? Closing Date: March 10, 2008 page 2 of 2 Finance Charge Summary Msfer offer for current billing period: Daily Periodic Rate: 0.068479.; corresponding ANNUAL PERCENTAGE RA 24 99% R : . . afe is subied to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE RNANCE RNANCE 8obnces Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $9817.46 0.06847% 24.99% F 24.99% $194.94 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 The rates that apply to your Account are either fixed M or they may vory (V) as noted above. Questions? Manage your account at Discovwxom or call 1.800-DISCOVER (1-800-347-2683. DISCOVER New Balance $9 764.37 Minimum Payment Due $225 00 Account Number ending in 6494 , . Enter Amount Enclosed Below Payment Due Date $ May 9, 2008 Please make check payable to Discover Card or pay online O Discovercord.com. 10 SDSN6A01 0014440 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9646 Address, e-mail or telephone change$ Print change in space above, or go to Discowr.com. Print your e-mail address to receive important Account information and special offers. Go papedess and make your account infomlation more secure with password- praected statements only you can access. ?eam more at discover conVpaperless. PO BOX 71084 IIIrn111111114111111111111111111 CHARLOTTE NC 28272-1084 1111111111111 11111111111 1111111111111111141 11 11111 000001986458215636511097643700250000022500 Discover More Card Account Summary dosing Dante: April 10, 2008 Account number ending in 6494 Payment Due Date May 9, 2008 Minimum Payment Due $225.00 Credit Limit $9,900.00 Credit Available $135.00 Cash Credit Umit $5,000.00 Cash Credit Available S 135 00 You may be able to avoid Periodic Finance Charges, no the reverse side far details. page 1 of 1 Previous Balance $10,004.95 Payments And Credits - 450.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Fsrarce Ch°rpes + 209.42 New Balance _ $9,764.37 CaahbcK* BWIuSe Opening Cashback Bonus Balance $ 56.23 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 56.23 Coshbock Sonua Anniversary Month- August CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800•DISCOVER (1-800.347.2683) to redeem, How Can We Hel You? P I. Visit Disc~.corn to Pay year bd for no cost, view your latest Account information *a d d It's your choice - 3 ways to help , m an re eem rewards and more 2. Call 1.800•DISCOVER (347.2683) for fast eas seW m Please have your Discover Card ovaikable. , y so ce options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) we reverse side 3. Write us at Discover Card, PO Box 30943, Sak Lake City, UT 84130 i ransachons $0 Fraud Uabflify Guarantee Use your Discover Card with confidence. Trans. Pat Date Date Payments and Credits Mar 11 Mar 11 PAYMENT - THANK YOU $ .20000 Apr 6 Apr 6 PAYMENT - THANK YOU •250.00 n? Charge Summary Nominal Average Daily ANNUAL ANNUAL Daily Periodic PERCENTAGE M/?t E P Transaction F ? , ??i R9tes RATES FINANCE current billing period: 31 days Purchases $9865 94 0.06847% 24.99% F 24.99% Cash Advances $0 0 07395% 26 99% F $209.42 $0 . . 26.99% $0 $O The rates that apply to your Account are either fixed (F) or they may vory M as noted above. Visit the Discover Insurance Center to find high quality protection for your family, home and auto. use The Knowledge Builder to read wh t th Request a quote online or a e experts say about popular insurance questions. Visit Discover.com/inwrancecenter today. MWortat kdamaton If two s more Mn aw papa to to big aldemam, see to teach of each papa fa aadd&W atporbat wdarmrron Ss your Cardmanber Alinement Your Cardme bor agioemert canters d the terns of yotr Accord. Lou or colon cords. Report mmedlMaly Call 14IWM7aM BMMg Rippe llummery. In Case d Errom a OustorsAbat Your Bbl M firs you bit swrag, a d you neW more domwbm about a tawcbm m yota bdl, wnte us on a sapraae sheeld papa at Discover. PO raw 30421, San Lake City, UT 84130.0421, as won a possible Wa must hear from you no later fiall60 days aver we sent you the WWI on which to am or problem appeared You con tslsphers us, but dornp w west not preserve yar right& In yaw letter, give us do halowrhg nbrmaton • Your rams -ro Acwum ranter • The dollar amoum d to uspeded arror • Describe tar ens and a#=, d you con, why you believe tam a an ens. gym need more sdomstan, dasabe tw item you are usurer about You do not have to pay any amoud n question villa we are snsshpaYp, but you are sit obligated to pay to pave of you bat that am rat n question White we vivesligain your quesbon, we count report you as da'-xpwa or take any a,1om b collect in mnud you quenm. Special Rob for Credit Card Purohaa: M you have a problem writ is queYy of pooch or services to you puGsaed mfia ae& cod erhd you have tied in good heft to correct to problem wdh to merchant, you may not hove b pay the raneksrp man dare on is goods or sarvioss. You have to probcbon ably when the purohaso pace was mare ten $50 and is pwdteso was made in your home slab or wdm 100 miss d you mating address (M we awn or operate the rrwdwvk or M we mired you the, adrateanart for the good or services, all this ptrdsss are covered regardless; of the amoui or tocabom of to purdss.) Payments. Sorel oray you payment and the by palm of to sbtetram in to arvalop provided. Do rid send cash By • n*V you dad; as described above. you autw¢e us to use irdormatim on you duck b malty and electric kid awisk hen you somum at the teamael irsbbttm avlleued an your dad; or b pmcae tw psynhei as a did; W w lam MOs paymem A pmxtened asan -'-,laic kind lmrsbr, the teawfx will be for is aownt dfie dwdu When we use sdamdgrt mom your dwck b malts w e'-chane kid harefr, finds may bar weldrawn from your nowint s som n fie some day we recave you payment, and you vii not racave you black bad; from you tuharxxal xwk" As precenkg efyou payment maybe dMayed dyou said cash, ocnospadmoe or otwr dies whin you paynwd, if you nerd Ospernext *any e#w address or d you man envelope odw gm she one provided Paymerts received in proper form at oar process rig belay by 5PM local lime on any day will be credded to you AcooW as of that day Payawts received r ow proonerp belly soar 5PM teal hmo wit be credited to yourAooowd as d the raxt day M you have misplaced you nwMops, send you paymera to Discover. PO ft 6103, Carol Steam, L 60197.6103 Pleea stow 1-10 days for delivery M you pyart is mhmed upatd. we reserve is right toreaubnd it m an alectane debt You an pay year m m m payment or a Water arnoud over the Waphorw, erid you vin as up stdmtete psymeNs. Cell to at 1400.3472683 You wit need to stelemant and you hark aocoud wdmakon You mug enare that sulclist hide am available in you bark accord, oral all immedsn- mwt comply with U S. low You will be aslad to provide to first 5 dpb d you accord ossla em 23P code By erteag Woos aatbere as you eledow ail; el, , you vAl bar apr mV b tai & )mizr= b stow us wd your bank b deduct ar A psynara you suthmte ban you bad; socouk, and b wrote debi or txmdt arenas b you bark somtsa nappluble, b arced error nt a prooaseag d such psymwa. You mat sell us tw arrears d each payment or you an select an smart ends a Mism m Payment No or Iw Now Balerne an each alalamert. You an creel a psymera, however we noel mom rhahoe at least tree b Arwn days in advance of Iw ec adtded psymartl You may no* us by promo al 1.800.34742683 or by real at the address fisted in tw pnemis peraWisph. M your psymose may very in smart via will sell youon each mor" Wtenrrrit whim you psyawra willbe made andhaw much R will be Your knanehc psymea ameua maybe less fin to idicesed on to mor" stetenem bred on aedite or psynema applied drip to WK cycle. Croft Rsprtng. We may repay idamekm about your accoua b weds bureaus. Lela psymwas, missed payments, or other deteulteon your sccaut may be reflected in yaw auk report We normally report to -'-M and peymed hnbry of your Acaaw b a" reporbg apeds each nnrhb If you believe the err report a writ uab or watomplele. psease was, as M the followap address. Discover, PO Box 15316, Wilmirgbn, DE 198505316 Pbese mdhde your name, address, tome Wephom camber and Acoomt rui bw PERIODIC IIUNCE CNAGES. Paede Firwrwe Charges are Imposed on d taswtas from to dab if* to issicb h w posted b ymAccount u* the date you pay your ware New BaWns, by malag psyrnerns or recewirq aedds However , we will provide the fo8ownp'grace period M you pad to New Bohm on your perwow bGrhp uaerart by that Paymam Due Date shoves on OW sbterrwra, and you pay to Now Bdamce bytes Paymem Due Due on fis eblenwnt we will not npoee Perak Fnaree Charges on rww puachases, OW s, ptrdmasse fist appwlg on the desimem. Otherwise, you will receive a biq stawrom next momh that includes Periodic Fronts Charges on hose new pudtases Them a w grace period on balance sarebm or cash advances. We eat gar serwacbora woo groups of Pins, cash adwrnes, and baletee handers and tan hates ad to katndon- wdm each grail by therknnt Parcetpe Rose Far example prdwsa sabpct b a pronatoml hue end pudmm wbyect to eterderd rate would be separate grape. We refer to taws W pa s aamaatm cat Bose, As fie -rid of a" Wig period, we ampule Poi Finrhoe C brigs for each day of to t6V period for each Irwaeden;r 9M We are the tcfloweg egxbon to wn p* Peredc for each taasackon ,ahem Avemps Daily BaWtce x rearhber of days n the big paid x Daily Perntkc Rae (See the kw= Berge u nmery on yar sluortwt for tars emourds.) Than we add up to Periodic Fnree Charges for each tea unckm category b go to bW Parade Fmence Chrges br your AomW The average Daily Balrhoe a slmovm a zem it. becane of if* grace period, no Periodic Frwhce Charges apply b to balance n a hasaWon category. We use the Average Doty Bderee (idudi g near tarsecsom) method of aladetehg to balance upon which we -rpm Pend, Fkwes Ctwgs. We cortpme the Average Daily War- for each 4annc1oo category by Wft W d the daily balms P a billing period for a Yrwa,trn abpay end dr dkng the bbl by the rnmber of days in to billing cycle We oortpule to daily belree for each brteacbon atepayori each day, by first addep /ro btamsstg to to pm m *a daily belancs, tarisso ns made that day, has charged led day and Periodic Frhrx» Chips ecated on tit day No bawatltor a posted b ymMocrua affair to dose dtw Wig period in whim 40001,113, we will lieu the tarwacton as hawrhp oaaared on On id day of tw falling period in which it a posed to yorrAccornt N rw&w ea am added to iw slarnderdpurchaw bmeaciom category with to mweplion of Cash AdvanceTrarrsGon Fee Finree Cheops which am added to the applicable ash advarhos tertaasm allegory and Bolrea Tearsler Tramachm Fes Fiesta Charges which are added b to applicable biter ksrwlar buissatm category When the epechd rare expres, we mass fs upad belies of fie balaww sailer and tw Balaree Trersser T=wit m Fes Frwmce amW b the *m*d prden hmadem catapory. ltwrever, d the specW rue has been NrtnrWed Wider to Default Roe Plan, we Mn do upad barbs of the balncce tenser and the Balance Taster Traruedim Fee Firm Charges n to applicable krsacbm asegory until the special rate woW have expaed For TOD (TNsammunbotlons Dwla for the NO assistance, cat I-M347.7441. Discover may montor wWbr record Mephaw calls bebeem you and Discover repaseriativs for quality saranoe paposes The Daooowra card a iweel by Discover Be*, Mmdw FDIC. OITOK107 DISCOVER New Balance Minimum Payment Due $9,665.92 $217.00 Payment Due Date June 9, 2008 10 SDSN6A01 0014441 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercord.com. Go papedess and make your account Information more secure w0i password- protected statements only you can access. Lean more at discover.comlpaperless. PO BOX 71084 111ur11n111101 nJJn? CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1111 loll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001cl86458215636511D96659200300000021700 Discover More Card Account Summary Closing Date: May 10, 2008 page 1 of 2 Account number ending in 6494 Previous Balance $9,764.37 Payment Due Date June 9, 2008 Payments And Credits 300.00 Minimum Payment Due $217.00 Purchases + 0.00 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $234.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Cfrorges + 201.55 Cash Credit Available $234.00 New Balance = $9,665.92 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banuse Opening Cashbock Bonus Balance $ 56.23 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 56.23 Cashbock Bonus® Anniversary Month: August How Can We Help You? 1. Visit DiKVW.cem to pay your bi for no cost, view your P latest Account information, earn and redeem rewords and more It's your choke - 3 Wap to help 2. Call 1.8004DISCOVER (347-2683) for fast, easy selhservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date Payments and Credits May 6 May 6 PAYMENT • THANK YOU $ -300.00 Finance Charge Summary BeIA offer for current billing period: Doily Periodic Rate: 0.02712% ; corresponding ANNUAL PERCENTAGE R? Rate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Periodic Transaction Fee Da AGE ily R? is ? NTAGE FINANCE FNNNCE Ba RATES S CHARGES CHARGES current billing period: 30 days Purchases $9811.86 0.06847% 24.99% F 24.99% $201.55 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Impwpnt MamWion. If hire m more than one page to ha big siderris K see the back d each page br admiorw npww rdamebm see gar Cw mambas AgsrnnL Yar CraornbrApeenad mftm all to Mime d yomAmo nL Lac or am" cards. Report ambdrlelyl Cab 14"74M BitingRfyhbSimnwyr-hCame dEmmaor QwebnvAbtYour Bigt you to*your f>tMawe%adyouneed moresdormssah& Wahmmbnonyourlxl,vftsbwana separate shealdpaper atDscovar,POBox30421,Sell WoeCiy,UT81130.0421,asomaspossible Wenwlhwh myounolairhaiOdaysafiwvmsmtyoutokAbion which the wear praldem appears I You an bhephore w, but dosp w will not preson your nights. In your bier, pus us to mowwg tnlamsim. • Your name apAowrrt rMfrber • The dollar arno rt of to ampecled error • Deaabe to error and explsn, Uyou can, why you bow tare is an error. M you need more iMomehon, desorbe the hen you we ran shut You do not have to pay any wheat n cluwbn while we are mompiOrg, bW you NO W obligated b pay the parts of you by to we not n gwebo. While we bwntlp is your cluestim. we carrot report yes n dWw quid a take arty acbm b cdW to ernart you gieom. Special Rub for Cmdll Card Ptroheaes: M you how s problem wih to gwkyd goods err service tat you purchased with a mclit ord, and you low bed n good bffi b corred to pro wdh to wc; hut, you may not hew to pay the mmerarp armw due an to goods or services You have On proydan my when to purdose poom was mom ton 1150 W M purchase was made m your hate able or wdm 100 mica d your mailrp address (t we awn or operate the mardwt, or if we invited you to sdiwroeerrat for he goods or senaon, d purcaon we cowered regardless of he amsurt or location of purchase ) Payments, Send ordy your paymmtarid the top paten of this atetaratn the ormhope provdecl. Do not send cash By twdlg yaw dock as dewrtsd above. you aulthorm to to use mbm*Dn on yourrdiedk to make an ahecbomc fund baaferIr m your await at to kimicad aabbrbm ndicetad on your dock or to prooeas to ps}mart as a deck boaacbon N paprierit a processed n an ebobwb krd Vander, the healer will be for to amwrht on the dock. Whim we use nlamebm lean your dock b male an ebft w had turo(r, funds may be wthdmwn tom your amm a ae soon as to saw ay we receive your peynat and you will not mom your deck back kern your fkemxal r>sYubm. The proasanB of your p4pred maybe delayed dyou surd ash, oweepondenoe or other Mena with your Mm K O you amid the prmW to any other address ort you we en avabpe chef tat he are p onde l-Paym* eoeiwd n proper form alas procarg bolty by 5Pkl local Wits an arty day will be credited b your Amm n of Not day Papns* mmmJ star p wmirg bcdty abr 5PM teal bee wA b s «e6bd b yowAcmurtn of to r" day lryou haw misplaced yo renvelops, and yourpeynwd to Discover. PO Box 6103, Carol Sbeem, IL 60197-6(113. Pbase allow 7-10 days for dewy try= psyrrat ehatared uripeq, we mum to right b resuWW a n a ebdona debts You an pay your mnmurn psyrnerd or a gfealrarnm over he blephore, and you can eat up aubrrmc peysrieraa. Cell us at 14003/74683. You wit road on MMrnat ad your brae socouril rdomobm. You must own tot albaed km* are avaaabb n your bark aooaunl std ate tansacbro re!a oamply walh U.S law You will be ahead b provds the Brat 5 diets d your oomurt dOwsM apcods Bymfty Ian ambers n yourebcbona sgrobre, you wibe agmng to to suha¢abm to abow usand your lad to dsdud each paynheel you advorm from your bwk accouK and to Mom, debut or as& w*m b your buck ac= K a applow, to aired an amen in the prowaerg of aM payrrert You moat lets w the anaut of each pnymra, or you an seled an smarm such a the Mmmn Paynwt Die or to New Belarm an each staWasnt You can canod a prymrK however we mot rwm mba at MW tm hiss ss days n edvism of to scheduled payment You may nOYly us bypone d 1-OW347.2683 or by maf at the address hated in the previous paragraph t your paynats may wry n --K we will tell you m each mmtty stalernwrt wlhw your paperil wil be roads and how mulch it will be Yo rAubrnetc psynart smart my be Was thus rhdcabd on to umft sWernwt based on aedds or pWmrft applied dare he brbrg cycle. Credit ftlidi g. Yee may report Infarr OM 8WA Your KM" to 4as& bureaus Lao Minerva, mined psyrrorm, or other defaults on your amoral may be reloaded in your "a report We normeby report the status and payment history d yuurAomnt to credit rmpdbg agrees each meth 8 you below that err report a mccurme orncampbe, owe write w al he f WmV address- Dowver. PO Box 15316, Wihrgim. DE 19850.5316. Please ndude your ram, address, horse Wephoro mxnber and Account mrmber PERKMIC FBIANCE CHARGES, Parndc Firrerae Guergse ore rriposed m d traecbra tam the date fie bansacbm s poabd b yourAoaourd rrtb to deb you pay gar sere New Balsa, by mehue ? m* or and Due ae it you pad the New BNMhoe a your pre acus burg momma by the Payment DA Deb dam an tat stammo, and YOU pay the New Bmkvm to your ourrem b&V MMrnaK we will not npoee Penoda Fronde Chops m new pirdiam, hal a, Pad"" bat appear" an the c rrot Mdwmrd We cab his he grow period. Otherwise. you wit recOw a birg Matemem mat march hat ndudn Pemdie Fn w= Chops on toes sew purchases. There s m grooms period on bWwm barhMers or ash adwrhae. We sort your rdwpbao rMO grape of purchases. cash edwion, and belmoe taslrs red ten furtwsat to Voismosom wilhn each gray by tlor Amoral Pocerage Rate. For prdoas abed b a prorrgfahd rMe ad purdhnu abpd to a Owidard rate would be asperalm grape We raft b haee paps me iramacbm atsgaoe At the end of each Eire prod, we cor" balerhosa rat Periodic Pierre papa breach day of he bung prod breach b motion cah igay We use to fetowahg opmom to cor" Periodic Rn nee Gags for each barltacton Category Average Darby BMwa x mnber ddayv n to b kilo period x Daly Parade Rob (Yqr may rater b the karma charge army an your bang tabmadsl forthne mum) Than we add up he Pemdc Fxwae Chops breach tenawbn category ID get to bbl Pradc Fronde Chops lar your Aanurt The Average Daily BMahae a dam n zero it, become of to ram prod, no periodic Frame Chnyn apply b for I I, re in a laeacbm category Witsee the Ames p 0* 11 1 ,e frayr¢ng w# karmaboro) motad d cMalwg to bins upm much we wpm Pasco Frem9 Chops. We cor" ihammage pry Betake ter each banaecbm oil" by addirg up all to dairy belaon at a bite period for a taroacbm catsgary and &,r*V the bW by he mxrbr of 40 n to btbg ayde. We corrpw to daily bdmm for nch U«oecem categry on each day by irst edbg he followrig to he previous deys arty bsbms, bi mrmm made hat day, ten derged hat dry and Parodic Fxeme Chagas aoaued on to piwmis day's daily bdwm, amt by ton aibtscYe any aadts end psyarao that. am applied apaat to babnoe alto tsirmAm ab9ay an to day In aalmbblg to debt' balms for the brat day of the birp period, sure corwdar the'pevous day's belsnoe" to have been yaw balmos for each tamsebm cal mmy an he bat ay of your previous big period. M a tamecsm a posted to your Aocma OU the dose of the MV prod in which t ooma, we wit teal his bamacbm as tm- rg owrred on the first day of l he big pemxl n which M is posted to your Amtw. AN? ins 10 Acco srhrra rs odded to he atrdrd pad_ M_d_ category with to exoepbm of Cash Adwae Tramectm Fee Firm" Chops. which w added to the tacbon cMegay and BMaa NFWK Trar actim Fee Frances Cayes which ere added b to appioeW bsbms tooter trfaagim ?Y. Man =, wee niow the upaW bobnoe d tO bdrarr tanaler wW to Bdrae Trader TmmcW Fee Frwwe Gnrgn b to etsrWen' pedwa Mm- Noway, dto apwW rabhobabmweborder e DebutRobPbn, we lee oaped bdrod he baahos varislivaridtiaBalermyroldw-Tram- acbm Fee Frience Charges n he applicable taeaabm category and to special we would hew exMw For TOO (Uncam municallow Devoe fr do Deal) nokbnca, pane cat 1400.847.7148. Dooaer may Midor adbr record belephae Cate between you and Discover mprermtaswx for quality assurance pupae The Dscova' and a awed by Diwovr Be* Member FDIC OITBK170 DISCOVER Ching Da%: HEDGE, VIRGINIA M Mov 101 Account number ending In 6494 page 2 of 2 Cashback Bonus a Award Summary Cashback Bonus Anniversary Date: August 10 Balance Previous Cashback Bonus Award Balance $ 56.23 Purchase Award This Period + 0.00 Cas c Bonus Awar Tota 56.23 Cashback Bonus Award Balance Award Available to Redeem '8543904 56.23 $ 40.00 Restrictions apply fo th¢ Cc?shbock B DISCOVER aal?er offers visit Dinover.cam or ca411.804 (1-800 347.26831 for onus P MS. C ddetails. For program dNoi s, see the ashb.ck Bonus grogram Terms and C, nJO DISCOVER New Balance Minimum Payment Due $9,662.82 $221.00 Payment Due Date July 9, 2008 10 SDSN6A01 0014442 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ I Please make check payable to Discover Card or pay online a Discovercard.com. information more secure y with password- r otected statements only you can access. am more at discoverconYpaperiess. PO BOX 71084 11111 111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )??),14n?m)rllni?u?r?nnl???niln?n?ulln?n?nlnln?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458215636511096628200300000022100 Discover More Card Account Summary Dosing Date: June 10, 2008 page 1 of 2 Account number ending in 6494 Previous Balance $9,665.92 Payment Due Date July 9, 2008 Payments And Credits - 300.00 Minimum Payment Due $22100 Purchases + 91.23 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $237.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 205.67 Cash Credit Available $237.00 Nsw Balance $9,662.82 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bantus' Opening Cashbock Bonus Balance $ 56.23 New Cashback Bonus This Period + 0.01 Cashback Bonus Balance $ 56.24 Cashbdck Banus® Anniversary Month: August CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Dieeover.com or call 1-800-DISCOVER (1.800.347.2683) to redeem. How Can We Help You? I . Visit Discover corn to pay your NO for no cost, view r P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cod 1.800-DISCOVER (347-2683) for fast, easy self-service Plsan 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, Sal Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Tmns. Post Dais Date Payments and Gedih Jun 3 Jun 3 PAYMENT - THANK YOU $ -30000 Merchandin/Re1ad Jun 4 Jun 4 ONLINE GAMES POGO/EA WWW.EA.COM CA 5.99 63789055 Odd/Miscellaneous Jun 10 Jun 10 PAYMENT PROTECTION PPD 1-877.883-1959 85.24 8543904 Visit the Discover Insurance Center to find high quality protection for your family, home and auto. Request a quote online or use the Knowledge Builder to read what the experts say about popular insurance questions. Visit Discovercard.com/insuranceunter today. Impaasnt hdonmhatioa- N there a mare than one papa to On btig statement see to bade of each pros for adito al important nfamaaon. See yourCardmemberAgreement. YbuCerdrambsrAQsa otcanonsall toWmadyourAooant Lad or NoNm ards. Report mmediably! Call 1404347.1683 BOHM Rlyhb Summery. In Case of Error or OreskoneAbout Your Bill, If you tanlt your bill a wrong, or f you need more rdommon about a transaction on your tA, woe to us on a g wpr" sleet of paper at Daoove?, PO Box 30421, Salt Lake Ckl UT 84130.0421, a soon a paabe We must hear from you no low than 60 days after we am you to first bill on which do no or problem appeared You an Ulephone us, bat doag so will not prow" your ngf kh your father, gas to the biong odormabom. • Your now and Accord mA*w • The dollar emrrd of the suepetled error • DwWW the error and orphan, d you eon, why you believe thane a an error N you need more nbmadon, deembe the dam you are uaas about You do not hove to pay any amonrd in quaion while we am nvakpetng. but you are ad obWW to pay the parts of your bill Nat are not n question. 0* we nvesbpab you gusatcn, we crrhd report you a dalkpusn or labs any action b collect the amount you question. Special m Rule for Crolk Cord Prrehasaa: N?how a politer wdr the quality of goods or wwoea Mat you puchand wdh a credit card, and you Ism tad in good fern b cameo to pun %th the was made n mordant, you nay rd pay remarng amount due an the Goode or services. You have the protection only Am the purchae puce was more pan $50 and the you hameseb or wdhrn 100 min of you moot/ address (N we own or operate the merchant, or d we naied you the advertisement for to goods or services, all pudases are covered regardless of to amount or boom of purchase) Payments, bead only your payment and the fop portico of the eWornent n to ernebpe provded Do not send ash. By sendop your dea a daeabed above, you w horim us to elar, use N*Mwhm an your payment a proosssad d" e10 Mae an electronic W transfer from your &GOOM brenmc badhi nd irna(er, the are*W viii be the amount on t a dradr When wause sdoms ar td" OF om o to ROOM the pfd as e t c Wtvrader, irds may be withdraw tom your account as soon as to same day we mom your payment and you will not recene ? b rn an ewus o. fun your deck hack tom your financial nci rxxel raaWan n The epnaa Mang; dfy mpaynsn maybe delayed d you send ash, oorrewdaroe or other demo with your paynad, N you send the payment to any other address or d you roue an on* prwded Payments recoved in proper format our pmossap bciMy by 5PM loos) We on arty day will be credited to yarAocount as of tat clay Paymeris rsoarml r ourpoossskrp iscilityallsor 5PM focal time wilbe aedned to yourAccourd as due raA day N you hew mnpkW your enwbpe, nerd ydr priawd b Deasy. PO Baer 6103, Card Stream. i.60197403 Please allow 7-10 deya la dslnwry N you payments returned upod, we reserve to nght fo reebmd st aan ebcriraAft You an pay your =i payaraM or a greater ahcunt over the Wephone, and you con set up aubmeso payrrards. Call us at 1-8"7-1683. You wd reed on sidenart and you bent swoird who must arms, that suEned bade re wolable n your bark account, rd all Noosed as must comply YA U.S fear. You vii be asked to provide to kd 5 dpas o (your amount statement ap code By among two minbere as your dedraw eprratre, you will be agrarrg to this a ilh r¢abon b allow us and you bent to d4a each payment you adhm a from your bank account, and to haste debd or as* arses to you Daub account. n applicable, to aural an am in to praoss" dwoh psyrrent. You must tai us to amount of each prpwK or you can salad an amount such as to Mnmum Papnerg Due or to Nw Balance on each statement You can camW a pwpvwK however are must Acese mom at Iaat three Ireness days in advance of the scheduled payment. You may nody us by ph ow a 1-000.317-2683 or by and at the address teed th to V00A paragraph N your payments my wry in rroud, we wall b8 you an each monthly aWarrnt when your payment wi be made and how much twill be YourAubrtreic payrned snow maybe less tw rdicmW a the mm ft sMwmt based m aedila or pawned epOmddung tw bb g cyde• Cm& Repo ft We may report Worrnaaon about your award b osdit tMrara. Lab peyme ts, maesd payments, or other ftWft on you ascend may be Wood in you credit report Wo norwr/y report the s m and Cm3K h "d y=Acmud b aednt mpakgagmmoa each monk N you bakes dot our mpar a rw=nb arahaanp t, pbsse wnb us at ate biowrp address: Domes, PO Box 15318. Wirrrgfon, DE 19850-5316. Please include you wine, address, harm telephone number and Aooounit ranter PERIODIC FMWE CHARGES. Pamodia Finance Chrgss are imposed all all teraacaaa from the deb the transaction a posted to your Accord until NQ data you pay your anke New Balance. by mekrg payments or rearrrg swills. However, d you pad the New Belo on your prawam bong stabmen by the P*wwd Cue Doe shown on that defamed, and you pay ate Now Balance by in Psymw Due Date an you arrant biting statement, we will not mpae Perodb Frabe Chops an now purchases, Nil is, putfiess last apperap an to current sidem ent We at to to Woos pond. Ot erwse, you will rearoe a hxiing $Wamed mud month tim includes Parodic Fame pages on those new purchases There a no wets period on balance trrafere or ash adwnees. V% am yam traneacaors into pope of purchases, ash advances. and balance tlarefere and then hinder sat the trraedmas what each group by thorMnud Pocas" Rata For exannplo, purchases ebpd b a prancional nab sad purchases sudryed to a swAW rats would be separate groups. M refer to these gaps n trreedon %top=. At the and of each birg prod. we aornfaft bounces and Perodic France Gaga breodh dy of to b&V prod breach transaction atayoy We use Na fohla erg amyusi on lDearnrrde Penodic Phones Chops IN each transaction CaWy: Average pesky Balance x amber of day in to blip prod x Daily Peak Role (You may refer to ft finance dart's summary on war Will NYnwd forgosarrards) Then we add up the Periodic Fran Cherpa foreach tereryra cd$M bye the but Puck Face Clwgss for your Aooant. The Average Daly Balance a dawn as mho d, because of to pace period, no Perak Pants Chops apply to the balance in a transaction abgay. Vft Bat use tar eta 0* A Owk*g row frovaci on s) masked of calm ebg the balance upon which we mom Peremic Finance Chops YYa ow" the hwapa poly or each ff traMciadong hp at too daily balances in a bibg period fa a transaction cab" and Gakg the bW by the number Q (days n I* bfbg cyde. We OMPA bolancii avid Pao he daily Fwna Chops sawed on the category an each day by fret addng the folbov b the prewaw day's daily belance transactions made that day, fees dwpd that day Ixowrouo Gym daily Detente, and by than abtracarg all weft and payments tat are applied sp aat to balance of In transaction caregey n Nat dry. laealantatsg the dopy beI , for the kaf day d t o brig paned, we eater I to *p wmm Gyre belnce to hone been your belance for each irgoodon ealsgay on ate bat deyd your prsvoua Ming pa od. Na traaabm a pruned b you Acmrrd aller ate due dthe kiting pen od n wtvch t occurs, we viii treat the Drascbm as hev- rg occurred on the lest day of the bbV paned in wlach I a pasted to your Account AMI Account w added b ate stardard purchase buhaedron catepony with to exception of Cash Advance Transaction Fee Force Gaga w oc h am added to to trsa burr MOM and Balance Transfer Transaction F e Fronoes CherRes which m added to the appkab balance atrader banamcbn caw" When s spscw balers lomi r nab wpm, wo mow ate npard bdrra d ate bWwm trrobr end the 8dance Transfer Transaction Fee From Chops b the standard purchase Inavascion Mason gym, d ate WKW Me has been brmrrebd wxW the Default Rate Plan, we tam the upend balance of the belrroe bander and i he Balance Trrder Tons- scam Fa Finance Chog nr in the appiib tranaecion casyony ual Iho special rate would haw expired. For TDD (Telecommunication Dowko for the OsQ seeNtarice, peas all 1400.347.7441. Discover may moMer adbr record telephone asks bower you and Deaver mph mainies for quality assurance pupae The Discover" card is awed by Discover Be* Member FDIC OITBK170 DISCOVER It pays to I HEDGE, VIRGINIA M DYER ? Account number ending in 6,494 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodoble, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. Closing Date: June 10, 2008 page 2 of 2 Finance Charge Summary 8On3fer offer for current billing period: Daily Periodic Rate: 0 02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90% Rate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Transaction Periodic Fee Da P ? is WAGE AGE ?ra AGE FINANCE FINANCE m R Balanc CHARGES CHAIM current billing period: 31 days Purchases $9689.59 0.06847% 24.99% F 24.99% $205.67 $0 Cash Advances $0 007395% 26 99% F 26.99% $0 $0 The rotes that apply to your Account are either fixed (Fl or they may vary (V) as noted above. ;Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-26831. 02009 Ditto" Bank, Member FDIC DISCOVER New Balance Minimum Payment Due $9,645.68 $213.00 Payment Due Date August 9, 2008 Account Number ending in 6494 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN6A010014443 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Go paperless and make your account InfonTWIon more secure with password. protected statements only you can access. Learn more at discover corn/paperiess. PO BOX 71084 11111111111 loll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lrrlrllnlnrlrllnrlnlrlnr?lllnrlrr?rrlnl?rrlnlnlr?nll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458215636511096456800300000021300 Discover More Card Account Summary Closing Date: July 10, 2008 pogo 1 of 1 Account number ending in 6494 Previous Balance $9,662.82 Payment Due Date August 9, 2008 Payments And Credits 300.00 Minimum Payment Due $213.00 Purchases + 85.08 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $254.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 197.78 Cash Credit Available $25400 Now Balance _ $9,645.68 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus, Opening Cashbock Bonus Balance $ 56.24 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 56.24 Coshback BonusO Anniversary Month: August CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Diacover.com or call 1-800-DISCOVER (1-800.347-2683) to redeem. How Can We Help You? 1. Veit Discover corn to pay your bill for no cost, view r latest Account information earn and redeem rewards and more It's your choice - 3 ways to help , 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Tran s. O 1 ate Payment and Credits Jun 28 Jun 28 PAYMENT - THANK YOU $ .300.00 0iber/MLaceNansous Jul 10 Jul 10 PAYMENT PROTECTION PPD 1-877-883.1959 85.08 Finance Charge Summary $ft$fsfer offer for current billing period- Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Perodic PERCENTAGE PERCENTAGE FINANCE FWANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $9628.83 0.06847% 24.99% F 24.99% $197.78 $0 Cash Advances $0 007395% 26.99% F 26.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Wish you could sort these purchases by amount, description or category? You can - re gister at Discovercord.com to view your purchases online as for back 03 12 months Loam more at Discovercord.com/purchases krtportatt btannatlott. 9#006 smure tMn ow papa b In big Ademenl see tale bade death pope br ad6Uard rnporbnt xdomsbon See your Cardmanbar Aprwtrent Your CordrnemberAWenaent contains all the tans of your Acoant Law or woW ands. Repel wnedistlyt Cal 141WUT4683 BU upwa M WgIft Swrary. In Can of Erse or rQmkm About Your BS: iyou ft* yow bit is wrong, or A you reed more m mtebon oboe a vwwaon on ym bl, w b b a on a M' is err?d paper at Dscum. PO Box 30421, Salt Lake Qty, UT 84130.0421, es soon as P? We mat hear tam you no bear tare 60 days arm we nerd the L-9 bird on • Your I* ?or woblem le cep mW You an bkphone a, MA dote so veal not pressure yow nV& In you Ww. gNe a be blawg nbrnsbm you • The dolramosd d Is wa{scbd wad • Dumbe the earn and eplen, Iyou an, why you bdw a tare is an ans. K you now mom ntamelon, describe ds awn you are seas sboW. You do not hew b pay any mrant n quedon whie we ere rMbgaag bW you are sd dAgwed b pay toe Pau of yaw bill tat are not n 9 WOW Whk we kmedpeb Y" "Sam, we carrot report you a ddr gtrontor asks any scam b od ect the amount you grsston 64 KW Runt for Celt CardPmdwew:iyouhave aprabbmwihNogAttydgoods orsenowtoyoupu haadwkhaom*card.andymhewbmdngoodbMbconed arid you may rot hws b pry the mnwwq arrest due on be pods or rescreen You haw to probe on only rMn is pechMS pro was; more Inn $50 puldless, ales made st your name dote or Whet 100 miss of your meMg address. (6 we awn or operate the mewhank or d we nailed you is admIsermnt for is ssrmn.dpurdsawreomoWmgwdmdttw.w otbea mdphacru) Q00dter Psynwnb• Send only your payment and is top portion of tss sbtemwd in is erwebpe pwAded. 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Pawl naive oboe sleeve hoe payment, btwno can select an smash such a is Matson Payment Due or the Now Bdwta an each sbWnwu You m anal a pay msK haswrwe scat, aadwtoe of the sdsWAed psymem You may nobly a by Oone at 14"7-2683 or by mad w to addraw Mod n tspems P?+ph• a Your payments at mad may wry o in we will 1@1 you on esch may be less than indicated on to nto "dm nsra based on aedt or " damment when do a wtN be made and haw mrdh twht be YourAtiomaec paysrsnt soap payments eppked drip tla Wlxhp cycle. CmA Ropwtap. We may ropoA kAameton abad your aooM b a" btrroat. Less psynsnM. messed payments, or Wwdeb t& on yow eccow may be mkcbd n yotr aedo rem us to podrtt Wb? •d Discow, PO Box W k 6 syay d yourAmM b arena repatg apatr?w eadk N" If you bakwe dM ax kepat t s scoulde a eomKaab, play Mae WkMVIDn, DE 19850.5316 Please ndude yow now, address, hone Mlaphws mrdw and AwM" rambw PE Now Balance, by making Payments RKKW FUME CHARGES. Pm Faroe Charges are imposed on d varsacons kom dw doe the bansectim m poMW b yon Accost uW Ow class you pay your ware you p e, Balance r recawp aedile. However, dyou pod do Mow Balance a your peuias birp stlrnwA by is Paysnaa Due Do shown on tat eWentertl, a d on Ia arwN w arsnt We call sy A Due Daft ansash billing statmwl we will red mpose Paodc Finance Chrpw on new prism, OW it. pudwes fret a no pea period on balance trawlers or aspica, pened h advwtossYW MOM a biletp sblsnan red month anal naiades Pertorkc Fnrta gwpes on tow new puahesss Them . We Mar two w Woup ttw hot cal P aw At Rae. 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Dwover may mails wdbr Mond tlephas oak between you and Discover ropeserbives for gkaklyr assurance pxpom The Dwwm* card s awed by Dscover Beak. Member FDIC OITSK170 DISCOVER New Balance Minimum Payment Due $9,687.64 $222.00 Payment Due Date September 9, 2008 10 SDSN6A010014444 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $I-- Please make check payable to Discover Card or pay online @ Dixovercard.com. inof paperless secure your aocount with password- protected statements only you can access. Learn more at discovercorNpaperless. PO BOX 71084 Illiisllrrrirrllllssrlrlrsl CHARLOTTE NC 28272-1084 Address, *-mail or telephone chonge8Print change inspace (n)i)Iu)ui(iOuiln)iluill(Ini)n)nIn))uIu)n(iIu)I above, or go to Discover com Print your e-mail address to receive important Account information and special offers. 000001986458215636511096876400250000022200 Discover More Card Account Summary Closing Date: August 10, 2008 page 1 of 2 Account number ending in 6494 Previous Balance $9,645.68 Payment Due Date September 9, 2008 Poyments And Credits 250.00 Minimum Payment Due $222.00 Purchases + 85 45 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $212.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance charges + 206.51 Cash Credit Available $21200 New Balance $9,667 64 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashba& Bons` Opening Cashbock Bonus Balance $ 56.24 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ $6,24 Cashbock BonusO Anniversary Month: August How Can We Help You? P I. Visit Discover com to pay year bbl for co t, view r latest Account information, eam and r.d.co rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy 343ervice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 9 Aug 9 PAYMENT - THANK YOU $ -250.00 Ober/MisceNaroous Aug 10 Aug 10 PAYMENT PROTECTION PPD 1-877-883.1959 85.45 Finance Charge Summary cohmoks rnsfer offer for current billing period: Daily Periodic Rate: 0.00795%, RA 2 90% R 01 corresponding ANNUAL PERCENTAGE . . ate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Transaction Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FIANCE FINANCE Balcince Rates RATES RATES CHAMB CHARM current billing period: 31 days Purchases $9729.25 0.06847% 24.99% F 24.99% $206.51 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $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 bank4 Shop Back-to-School sake through our exclusive online ing site ShopDiscoverl Earn 5% to 20% Cashbock Bonus(R) at your favorite online retailers like Old Navy, Sears, LoncI nd and many more. 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D=m may nbntr audios reoond kkphao adk bewnn you and Dsmvr mpeantalwa for quaky aersna prpmw. The Disa W card is seed by Dkoover Bade. Mer br FDIC OITSK170 Closing Date: HEDGE, VIRGINIA M DISCOVER Account number ending in 649,4 page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: August 10 Balance Previous Cashback Bonus Award Balance $ 56.24 Purchase Award This Period + 0.00 Cas ac Bonus Award Total 56.24 Cashback Bonus Award Balance Award Available to Redeem 8543904 56.24 40.00 eskidions apply fo Cashback Bonus Party oFfirs visit Dneewr com or call 1 800•WSCOVER (1.800.347.2683) for ils. for program ils, see the Cashback Bonus P14am Terms and Conditions. DISCOVER inimum Payment Due New Balance 11$222.00 $9,594.16 Payment Due Date October 9, 2008 Account Number ending in 6494 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card or pay online @ Discovercard.com. 10 S0SN6A01 0014445 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Go paperleas and make your account Information more secure with password- protected statements only you can access Learn more at discover corn/paperless. PO BOX 71084 1 111 loll 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. 000001986458215636511095941600300000022200 Discover More Card Account Summary Closing Dote: September 10, 2008 page 1 of 1 Account number ending in 6494 Previous Balance $9,687.64 Payment Due Date October 9, 2008 Payments And Credits 300.00 Minimum Payment Due $222.00 Purchases + 0.00 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $305.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 e Charges Fina nc + 206.52 Cash Credit Available $30500 _ _ New Balance $9,594.16 You may be able to avoid Periodic Finance Charges, no the reverse side for details. Cashbook Bonuse Opening Cashbook Bonus Balance $ 56.24 New Cashbook Bonus This Period + 0.00 Cashback Bonus Balance $ 56.24 Cashbook Bonus® Anmvorsary Month: August CONGRATULATIONSI Your Cashbook Bonus(R) is waiting for you. Visit Discover com or call 1-800-DISCOVER (1-800.347-2683) to redeem. How Can We Help You? ' visit 1Xecower cem to pay your toil ter no tea, View your latest Account information, earn and redeem rewards and more It's your choice - 3 wars 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. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) no reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. teDaPost le Paymenh and Credits Sep 5 Sep 5 PAYMENT - THANK YOU $ -30000 Information For You Let us show you how to make your money worth more at Discover.com/brighter Finance Charge Summary 83489 ansfer offer for current billing period: Daily Periodic Rate: 0.00795%; corresponding ANNUAL PERCENTAGE 'RATE: 2.90%. Rate is subject to the terms of the, offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Bol rites Rates PERCENTAGE RATES AGE CFINANCIE FINANCE MS CHARGES current billing period- 31 days Purchases $9729.62 0.068471Y. 24.99% F 24.99% $206.52 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. cmpaftnt con small . M two a more than one papa b is bYEnp sfatemert, as the back d each pop bradddnnal emportat rnoruabonh See you Card manner Agreement Your cenrnNnberAgrawnentooab:o al do terms of your Aooant Lost or dobn cads. Report rmuedialelya Cal i-M347.2683 BOW Riphb Susto ary. In Case of E=noa or QaalausAbout Your Bl fyou Monk you br7 b wrong, or d you need moss rdonnalm about a transaction on your bil, wade to us on a seperab shoat d paper at Discover, PO Box 30421, Sell tab City, UT84134W21, as scan see poealns We must hear tram you no IMar Men 80 days em we sent you Me dint baton which to saw or problem appeared. You can latepho a us, bul doing so wl nut passive your right In your Wier, give us to Mowing information • Your name and Account number • The dolaranmad of to suspected anon • Oeeofie to era and explain, it you an, why you below Mere is an area. f you need mono nonralon, deeabe lhe dam you we unsure about You do have to pay any arrow in gaNon while we are aaeaYpaleg, but you we eat oblpaled b pay lho parts of yaw NO hod are not in quatart While we nvemp io you ropes you a MnW nt or Mks any action tocofect to amount you wean. SpecW Rub for Cradle Card Pundhssc ff you have a protilan wkh to "ft of goods or samoss Del you purdosd with a aeddit card, and you have trod in good bdh to comic pnhtibm wish to mwdmK you may rot have to pay to remaining smouddue on to goads or earn... You have to proecbon only when to pidwe pice was am mid Ow services. al padesa was made in you him ebb or wdm 100 min dyer mailing addiosa. (t we own owerab Me mardanf, or t we mated you the adverossimert for the goods ? puc ans am covered regardless dMe amours or bcabcn of prdese.) Peyaert. Send any you peymsmt and In lop porkm of to alrlwat in be smo4s provded. Do not nit ash By swxbV yam cock as described above, autlorn us b use Mdamabn on you dad b main an dedmanmc prod Under lean your amour at the fewhaal rn6alon indicated on your check or b process to Papers sail dock baaacenl 0 paynwd a processed as an aI , I I ', fund tender, to t .rider wnl be for to amours on the dodo Whon we use information from your cede b male an abater lend transfer, hrde may be wO hdrawn from you amaut aesoon n to some day we mum your psynoK and you who not ine ve your dock balk lam yam Ina owl shswmlon The pooeeai g of your payment maybe delayed if you sand ash carspadwme or ofar d ems with you paymwK if you send the psyment to any other addieas or dyou use an aruvalope Over Man to ale1 ?povyrded. Payment roeavad n pupa form atou poneserg bclty by 6 M bed wee en any day wi be creAbd b your Amsun as d fur 61received 0 pCerd Season, 60197-61M Places albw dine wi crefaed to you Acmuht ae.d furs next day W you have mooned your enrobps, serf your payment b Discoday ver. P.M- 0 Bo7-10 er days for delivery I you payment is returned unpaid. we reserve to right b resubmit t as an dscrawc debit You an pay yam minimum pagan or a gresla amens am fo bb*m, and you can set up stnmas; popemb. Cal us d 1 00347-2683. You wail need this statement and your brit amoad atrmebon You mat saes lual sufficient kiss we available in you hank amooK and al taeadmM mast campy wsh U.S lam You wil be asked b pwde the first 5 Apra of your acconl shlerment ip code By anbtrhg Mon mlmlere as you aloosro a argnalaw, you wil be eupreerg to llha aftrtann to allow in and your bank b decd each payaril you attham your bank accwK ad b Mae dabdor ae wow b you bank amosK as goicalte, b oared an sma in the poomagd such pgmad. Yam may mat wo to, te r o each payment, con select an amour with as dos Mawamn Paynant Due or to New Balance on each sbbmarw You an cwcd a Payment bosom we Pu+Or?tyou?tmaywry in amotink waswowdMasdodcedp"mitYoumaynoblyhabyphoneel1.800,97-2663 or by mail dtosd*mlgsdntopawoua you on sach no" slatemoot when mar payment wl may be Was Man mluiel an to no" dolemon based weft or psy orb applied dump ft bin" cycle be maps arid pew much it wtl be Your Aubmrkeac psymrwt amqut Credt RaI ' d . We may rep0ltrbamelen abed your nomw to as& bureaus. Use psymons, eased payments, acMar delauNS on your aomus maybe rolerbd in you credd report rimmaly reW to statue and Wym rt 1"d yo rAaoou l to ors& reporting atawn each mo* f you below do au reW a nsmuab or mmmpbte, please wme blowup odbaer Docovw ,, PO Box 15316, NHnwgbn, DE 190545316. PWm w4 de you rwrw, amldrae, home blaphao mwknu?ba ors Accaumt mwmber PERKNXC 1`14ANCE CHARM Paofo Fence Charges we irpa se t om al Maaadioro fan ft dab to ramiBdbn r posted b your Accamt Ird to dMs you pay ME anare Now B aha? BWanpay tints or receiving cue t. Nboviar, t you pad Ms Now Balance an your Pincus bYg statement by the Pennon Due Dab shown on that slabmrt, and Noon to Omen Now BaWnt. by We cal Ow Paayym?tp? Due Deb an gasman your we will not mposo Pa odc Finance Chow an new prdoses, to is, pmdape fart eppem% uerwesaarordbi roans a bling is no grace period on balance trances or rah advanoea. 9lalaillemd meld mm?M dial amlhdee Periodic Franca Chaps an those new purchases These We sort o?inso anted inki groups of punobases, WO to pmrtplomd axle ems ? . OW balance bwfrs and Men further aom the trennuaiaa within each pW by for Annual Pacategs ROB. For ex ?S penod, we compute bdenoea and Periodic Fpwdmn inance *tpd be canard rob weed be eapaab groups. We refer to hone group s Vermilion abpaes Al t e end of Paafc Finance Charges for each saosscton Charges for each day of to bhing panel fa each baaacbom abgay We use to blow" equation b amps oaegay Average Daly Balance x number of days in to brTr" period x Dady Pasha Rao. (You may refer to Ins finance charge aumery orb your biig slalrrent for toes amours) Then we add up to Parndnc Fimhanca Diarges for each tramac4ah cabgay to gal the bad Periodic Finance Charges for you Account The Average Daily Bdnoe a shown a awo d, beauty of to grace period, no Periodic Finance Charges apply to to balance in a ra es c m cagory We use o fao Balance Fig newrawaaora) rtatlad Of alalYr" the balance upon Mich we erposs Pam& Finance Chagm We mmpub No Average Daly campus die deny balance brad?i lyaa khr op dl the dry balmoee me bin" pamd to a hnsacson abpay and Avifng to bW by lie umnberddeys n Ihs Lift cycle We as" on each day by fiat AdI ft to khlmo g to the pewee day's daffy, balance sarosion a made tat it bee ? ? ? cidaMori lhatclay laaampaa.aarad an toprswow deVs dsty hdawe; a,d by item ablwcYw eery awAb ss Psyamts hod nee appYad sprat fa ba . a aaa.alon any on the adlata g dos duty lrruca for l e irstday d le bllig peub, war cease fo'fowma We blame' b hew bow you balance for each Manson ink day you precis biag period to I aanbon a posted b yourAcocrdals r to dose d l e bib" penod in which tcoeus, we will bed Rio raaacmn a hav- ng oaxrmd on Ma fed dwy d Me bW%prod n wdwcn s a paled b y=A=w t u1>flir0lp bow" are added b to drdard prchas ra sadlen cwith to "oeplonn d Cade Advance Traroecim Fee France Charges which we added to to ca ssiocol Dalerhoe taruahr rein Wguy and Below Traola Transaction Far Fawnae Charges wbadu we added b the ap shosble balance laalar lraadmn atspay When a epee, we mow to unpaid balance at the babrmb tauter and to Balance Tra shr Traaacim Fee Fxusnce Charges b to s dud pudoss aneacbm cabpay However, d tai VKW raft has been Wmaftd ceder due Delauk Rate Plwu, we have due unpaid balance of to blame briefer and fa Balance Transfer Two- ac tim fee Finance 10hages in to appbW* ba socam oalegay urd Me epepd tie wcuhd haw expred For TDO (TalawmmknbWoma Darla for the Due assistance, Owe call i4lW347-7440. Domwr ray monimr ardor record lalephole calls between you and Discover representatives for quality assurance purposes The Dbaovw* and is ward by Discover Bank, Member FDIC OITBK170 DISCOVER New Balance Minimum Payment Due $9,489.47 $211.00 Payment Due Date November 9, 2008 10 SDSN6A010014446 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online 0 Discowrcard.com. Go paperless and make your account Information more secure with pawword- protected statements only you can access. Loam more at discover.comlpaperless. PO BOX 71084 llirrrlirrarrrlllirrririrr? CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space Irr?r?lu)m)r(?nr?n?r?nr?(()nr)rr?nin?irrin?nir?rrl? above, or go to Discwwr.com Print your e-mail address to receive important Account information and special offers. 000001986458215636511094894700300000021100 Discover More Card Account Summary Closing Date: October 10, 2008 page 1 of 1 Account number ending in 6494 Previous Balance $9,594.16 Payment Due Dab November 9, 2008 Payments And Credits 300.00 Minimum Payment Due $211.00 Purchases + 0.00 Credit Um it $9,900.00 Cash Advances + 0.00 Credit Available $410.00 Balance Transfers + 0.00 Cash Credit Limit $5,00000 Finances + 195.31 Cash Credit Available $410.00 New Balance = $9,489.47 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshbock Bonus Balance $ 56.24 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance $ 56.24 Cashback Bonus* Anniversary Month: August CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discover.com or cog 1.800-DISCOVER (1-804347.2683) to redeem. How Can We Help You? 1 • Visit Discowr.com to pay your 68 for no cost, view your I? latest Account information, *am and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for Fast, easy self soMce Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. T Post Date Paymenb and Credits Sep 23 Sep 23 PAYMENT - THANK YOU $ -300.00 Information For You Domestic Partners are now covered under your Discover Payment Protection Terms and Conditions. For a complete definition of Domestic Partner, please call 1.866.892-8683 for more details. ANO&Charge Summary Average Daily Nominal ANNUAL ANNUAL Transaction Periodic Daily ? P ?? is PE AGE PE CSWAGE MANCE FRANCE e3 R CHARGES CHARGES current billing period: 30 days _ Purchases $9508.96 0.06847% 24.99% V 24.99% $195.31 $0 Cosh Advances $0 0.07395% 26.99% V 26.99% s0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above impalant information. d Them is more Then on papa b to Ming statement, sae to beds of each pope for addi6anW mpaWd nfpnaYon. Sea yaw cardwa mberAgret maeL Your CardrenberAgreemerf ocela s al the teme of yourAwotrtt Loot or seclan cards. Report nmedaoyl Cal 14"74M BMbq hrittymbil Switanary. in n , a d you need more adormabon abcoA a tarnaWOn on your bl, write b a on a Coed Effore a ? # you g al net Bar 30421. SO Leks City UT 042 1, mm ee sentyouthe iM btl on n afte ? th ? ta whor or oblern appeared. You can blephae us, but ding so wi riot preserve yotr r f dt. In your letter, give in dn folowrp tionrwa which r • You mane andAcooatt number • The dollar arrant due scepeclad error • Descrln the error and expiarh, I you cen, why you balm tare a an wror. I you reed mss rdmnabm, describe to don you we own about. You do not have b pay any amoM in gneuon wills we are nestipelrq, but you are still obtpalsd to pay the parts of ymr kill #Wm red in gresbon. Whie we investigate yaw question, we carrot report you ae datinguador lake any action to collect to amid you question Special Rte for Credit Gard Pwd n: d you have a Roblern with to gwNy d goods or services that you purdowd with a credit oad, and you hue tried n good firth to oared to problem with to merchent, you may not have b pay No remaadn g arnoul duo on the goat or services. You have Yas pndectim only when to psom price was more Ian $50 and In pudaw was made n you Moon state a wdlwh 100 miss dyow meiaq address (Iwo own a operew the merchant, or two m Wed you to edvamarentforte gosh a services, all ptsohases recovered regardless tithe mount or location d prachass ) Payments. Send only yaw paynentand the top portion of tae steamiest in the envelope provided Do not sand cash. Sy sendag you dept as doso*W above, you sitoae us to up mdomhabon aryou dolt to make an election; fund transfer from your account at In frenaat raMdron ndwwkd on your deck or to prcoess to payment as a dads t er"Gliofn I paymxd a prooataed as an slecton; fuW transfer, the transfer will be for the amount on the check When we ties nlamabah from your pack b make an electron; fend tierewr, kinds may be withdrawn from yaw woount as soon as to sane dry we receive you payment, and you wi not reoave you deck NO from you lnahetel rebuUOn. The prooeearq of yaw payment may be delayed if you tend cash, oarespadence or other saris wdh yaw psynisK d you vend the payment to ny other additive or f you ties an anvskpe other Iwh In ore povdd Pspw* mmwd n proper fam star p oomwq bt* by 5PM bxol iris n ny daywi bat padded b y=Amn w dttet day Payment; received d 0u prorswry br3ty after WM local Ime wi be credited to yourAocomt as die next dry d you have nargleoad ymrwwd**, fetid you paynerht b Discover PO Box 6103, Card Saaam, L 60197-6103. Planes allow 7-10 dep to delivery I your payment is rebored unpaid, we reserve the no bnnArul it seen Wectrowdebt You can pay ycu mrwntm psyment a gnaterarrawtt over to Maptnn, and you an sat up wbnefrc payments Cal us d 14"7.2653. You wi need has sWanak and yaw bait soasN dermal m. You must emirs het a foerd lads are avia" in you bank scomnl, and all transaction mart amply with U.S few. You will be WW to pmwde the fist 5 dt7a of your soooum deeemend rq coda. By anlamg Ives narnbers a yar electronic aprtalra, you will be OWSNG to In earorvnon to slow tip and you bark to deduct each payment you Marisa from you bark swan, and to mate dabs or oredt wines to yar bank swomt, as WOA tile, to oared an am in Ice processing of much pymwd You mist fell us to amoud of each psyrnerd, or you can select an amw mstic h as flat Mnnam Payment Due of the Nme BWw=an each slahmmn. You ate evict a psynwt, however we mast nano notice at boat IV" bwemw days in adyala dlhe schadtded payrnnt. You my nc* us byphao at l4"74W a by mmi d to address WW n tiwpvmw paragraph t you paymanta my wry n waK we wd 1M you m each monthly stawnwd whn yar pyanntwi be coda and how mash t wl be Ycark"TAbc paymaM groat maybe less lam ndiealed on he montdy swtsmentbawd n aedh a payttenh eppfrW &M f obirq cyde Cradle Repordrg. We may spat atbmWatu about your amount b a" bueeas. Lets payments, maeed payments, a oberdefadle on you aware maybe reflected my= credit report 1Na renhdy sport Ie dale end paymerm history of yarAcwuht b credit repabrp agnates each month I you bsbsve vet err rpont n kmmg is a mampWa, pteaea waf us at to blowing addrao: Discover, PO Bar 15316. Wilmahptan. DE 196505316 Please include you hare, addree, hone blephao nurber and Account nmber. PEWlW FWAHCE CHARGES. Periodic Fin ence Magee we mpaod on al transactions born to date to brneolm a posted to pis Ao wutt ufi Ow data you pay your antra Now Belerwe, by mdwq payments or re0emmq c wills. However, d you pad to New Balance on yarpswns bltiq stMmont by to Payment Due Ddb shown an that ddemanl and you pay the New Balance by to Payment No Date on your anent billing aWmahl we wi not apse Periodic Fnance Cterges on new pudaaes, rat a. ptrdosaa feel appearing on Ina oument dMement We al to Be grace peaod Otherwise, you will mom a Bing slstemad next mmN 00 wAdes Pe odic France pages on those new pcheses. There is no grace period an balance brhefis or cash advances. Ws oat yots traractiao into grape d ptrdhwa, ash advances, and balance trerefars and den t~ sot to tran wbaa wtm eadhWoup by tell Ameal Peroafape Rob For exaWle, purchases w pCl to a pwmolonel We ad pudaaea su6pd to a aundud raw wowdd be sepwao groups. We refer to Use pope as transaction aiegorsm. At Ie and of each bang period, we compute belarww and Pea Fswm Charges for each day of to biting pared br each tmheaobn cob" We uw In blohwng sgntion to eatpwae Pwodie Fewhom Charges for each bansaetion odew Average Daly Bela ce x minter of days into b&tp period x Daily Pew6e Rde (You many rdu b to frwea papa aumrmmry an your birp slawmas for hew onamw.) Than war add W to Pwodo Finance Chagas for aaoih transaction category b gel to told Periodic Fence Chargestr you Acoord. The Average Defy Belaroa a dun n aaro d, boom= of to pace period, no Pardo France Ch"as apply to the balaioe in a transaction allegory We use In Average Daly Bataoce (including new transactions) metod of cohmeiq to belence span which we mnpae FwreAc Finance charges. We wmputa the mimp Day Balance la each transaction category by adding up err the daffy betanow in a bang period for a transaction category and dmdng do total by the rhumba of days in tln btinq qde. We oomptre the daily balance for each transaction category on each day by fret addeq to following b to prwrbhs dya defy bdanor banswan made Yet day, fees charged to day and Paired; Fewaoe Chwgw aoawsd ea Ye dye dandy balsa, and by Ihen wl6trachp ay mhits and geyrrwwfs Inn are applied agaaat tlha balaha of on transaction calegay an het day. in aladabq to duly belo os for the bit day of the b kV pmod we eamder to'pwne *a bdana' to hove been yar bas" for each bamedah category on to last dydyour pswas Mft period I a tra ssa on is posted to your Account alter the does of to bikq period in which it ooara, we veil led to transaction as hev. mg ocati ed on the first day of to blkV period in wtech e a pasted to ymAownnl. Al fMaLdgrg?Acooua ore added b to standard prrdaw transaction oabgary with the exapon of CaabAdvance Transaction Fee Fnwoe Charge which are added to le a ? transfer trnsscl m alegay ad Balm Traafer Traramchm Fee naano s Ch"a wlrch are added b re applable balance timer bwecsat allegory. Wton expo we move to tat wd balance of the belaws trarhef r and to B F l T T fn f (t ' . , p , a ance rans ransaction ee ance er apes to to a purdwe transaction cawgay However, d to VKW rte her been wnneotad undo to Default Rao Plan. we wave to unpaid balance of the balance transfer and the Belaroe Transfer Trans- action Fee Fmorm Qwpw in the appfrcable, ba section category trd to apricot rate would have expaed For TDO (Teboommumkplons Device for the DwA nobtuha, pews can 1404347-740. Dawver may motor ndla record WWOM o Calls between you and Discover represenwlvw for qualy assurance pAmm The Discover' cad is saved by Discover Bank, Member FDIC OITBK170 New Balance Minimum Payment Due DISCOVER $9,773.16 5471.00 Payment Due Date December 9, 2008 10 SDSN6A010014447 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ _:1 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $211.00 Go paperless and make your account information more secure with password- ted statements only you can access. Learn more at discover corNpaperless. PO BOX 71084 1??rrs??rrrrr11111111111191 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change; Print change in space 1rr1r11rl1urlr1lrarln111an11111111rr1n1n1En?ulrrlrln?? above, or go to Discover com Print your "oil address to receive important Account urformahon and special offers 000001986458215636511097731600000000047100 Discover More Card Account Summary Closing Date: November 10, 2008 page 1 of 1 Account number ending in 6494 Previous Balance $9,489.47 Payment Due Data December 9, 2008 Payments And Credits 0.00 Minimum Payment Due $471.00 Purchases + 39.00 Credit Lima $9,900.00 Cash Advances + 0.00 Credit Available $126.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 244.69 Cash Credit Avoilob6 $126.00 New Balance $9,773.16 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashbock Bonus Balance $ 56.24 New Coshbock Bonus This Period + 0.00 Cashbock Bonus® Anniversary Month: August Cashbadc Bonus Balance $ 56.24 How Can We Help You? 1. Visit Discover can to pay year bill for no cost, view your P latest Account information, earn and redeem rewards and more it's your choke - 3 ways to help 2. Call 1.800DISCOVER 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 Sap Lake City, LIT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Dcft Deb 011111er/Miaelanaws Nov 10 Nov 10 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. Finish your+xAday shopping from hom**3 year. DiscowrGift Cards come-in of variety of tlesi0ns = many with snatching - Greeting Cards. Choose any dollar amount from $20 to $500 -and shipping is FREEI Good for purchases at millions of locations. Browse and buy at DiscovwGiflCard.com/holiday 1 c Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balcinc Rates RATES RATES CHARGES S current billing period: 31 days Purchases $9607.35 0.08216% 29.99% F 29.99% $244.69 $0 Cash Advances $0 0.08216% 29.99% F 29.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Ship Freel Discover Gift Cards ship FREE and come in a variety of holiday designs Choose any dollar amount from $20 to $500 - and PERSONALIZE with a name and greeting. Good for purchases at millions of locations. Browse and buy at DiscoverGiflCord.com/holidoy Important ManMlon. t tan is more rien nor page b to brig sldems t, we to br# of each pop for ad&WW mpapM sdom"llm, Sa your Cords amber Agreehroat Your Cx6nmt6erAWameMmhlfa W M lema d yourAecount. Lost or atdsa aw&. Report anneduNlyl Cd 1400.31744 ON* Rlphb Sammy. In Cas of Eirm or Que*mAbod Yw Br If you 1wM your br is wrong, or it you nand more rdamdm about a gammon on your bill. wide to in on a g sepraleshatdpaperdDaoowr,POBox30121,Sell LaWCAUT84IN I,acoonapoeebbWsmoatheartomyounoWerthe60daysWWwssentyouthefrobillon which the Yew an Wephate to, but dory so will not press" your tights. In your labs. Ipw us to fdbwnp nbrmemn' or Ya • Now nuns oAomtnl member • The dollies amoaddthe wq*iod arts v • Describe to em and exphn, t you an, why you bdm tiers is on anon. If you need mom edommilli n, describe the dam you an nsre short You do not hew b pay any amount in gnskon while we we mabpeig, but you are all obWW to pay the parts of your bill fist are not in Weskm. 06 we nveetpele yore quesbon waaaat report yw a delnquent or Mks nysokm booted th0 smount you question SpwW Ph don: N you lave s problem wilh the *W* of goods or services tat you purdwW with a am& cord, and you hoe tad in good %M to coned llo M ' the problem you may not hoe to pay M re maft smoad due an M goods or savres You here to pmisoeon only when to pusohma price wn more the i5D end M prrdaa wen made n your hens stab or wkarh 100 min of your wehq aftne (l we am or opuses to mmolwk or if we mailed you the edmosenaM for the goods or sermoss, d purcheas are ooveed repdas of #0 anon or bcdm of purdsa ) Poymnla. Send my your paymwt and M top porton of to stebmwt in M envelope provided. Do not send ca h By sendkg your check a daeabad elbow, you sullhause us to use rdrmMei on yaw clack to male n slockow had grater rem your somw at to foment rattAbn rd oelBd an your chedl or to prapaa M payment a a deck teroBCtm. N payment a proosseed a an elemahio fund taralr, the lmrulrwi be for M amour an to chock When we use rdommon from yaw dock to mill an elcbowo had trhsfer, hide may be wMbawn tom yar socant a soon a M some day, we mosin your peymenL and you ail mot receive your dads beck tan yowkrweW tatWnah. The proosarV dyour peymard may be deheyed t you send cat, correspoixim of oiler tea wrh your psymmK if you send M payment to any other aduten or i you use an enveope afar tlan M era psarhded Payments nosved n proper bum N ar p eoaag isalAy by 5PM heal boa on try day wi beae6bd b your Aco%W n dthr day Paymhsta recared tour p oconrg bu* nets 5PAt lord Yee will be aadsed b yowAooouM a of M nerd dy t you hew mimplowd yaw w4slope, and your psymhnl so Nomr. PO Box 6 03 C 9 1 1 , od %am, L 601 7$ 03. Plena slow 7-10 days far dekwry. I your psyrram is nkrraa typed, we meow the right bnslb it t a an electomc debt You crh pay your maanum ymeN a a grater mom ow M lleWo mr, and you can a(up auamdopynww. Cd us at 14"7-M You whl road In ddemsd rd your brhk eooourt rhmubm. You neat wuure to s/lpal lade an amiable n your bank aam^ rid d kmraemors no oor" wih U.S law. You all be seked to provde M first 5 dpa d yourecoo rt aeurn ili cop code By rung than rambera a yourel, , sgrskn, you car be opung b to a wnzatm iDWow us rd your hank b da w oK h payment you sullhorme from yawbwM acco rt, and to rMSk debtor a" arena to your be* aceouK n eppkeabb, to earod an error m do proon" d such pmysrant You mat MI in M aaurd Bach psymert, or you Cum shed an smourt such a M Mrnan Psymert Me or ft New Balance on each sbbnant You con cave a payment, however we must mom "Chas at WW Im bueaws days n aawroe of the edheMiet payment You may rgay us by plhora st iAD-317.2663 or by mad at to after baed n the prewas parepnplu 1 yo r psyerae may vey in smount, vie will tell you an esdh rrantty NaWnatwhm yow peymw wi be made erd how much d willbe YowAubmdc psymert emaxt may be Ise tan rWWW on to marhttyatetemmt bored an weft or psymwge Wpked dare the Mktg cycle. Cnuil Repor". We may report NrrroWn about your aamrrht b tread WWA. Lab pelevio le, moved peymwus. or dherdefaults on your mouse may be Wood in your anal report. ft namely impart in crake and payment hlbry of your Aeowt to a KV reporYg s rrxs Inch mash If youbeiew OW our import Is esoowsis or mamhplae, plans wane co at M blowing rhtea- Dmoom. PO Box 15316. Wirsgeon, DE 19&50-5316 Pan ndude your rams, address, homy WeOw* nanibr and Aeoourt mmber PERIODIC FRONCE CbMRGES'. Pocock Frhenoe Charge an imposed on d tansmo0i tom M Us Mtrareemm a podW to yeurAcoout tnd to do you pay your entire Now Beishce, by makkg prflw s or rewaV aedts tbwaver, it you pad do New Baynes an pr premn bump stelemert by to Psymrt Da Deb sham an der staemert and , you psyM New Brace by M Psy merit Due Dots an your mart brig statement, we will not expos Perro6c Fneroe gngn an new phxdasa, tars is, purchase feet sp owN n M wrest sidemen ft ask to the Woos period Othwwma, you will reserve a bike rren erd no mach tin ndaln Periodic Fearroe Cher" on tow row purdwem. There a ro gnoe period on belwAs trarain a cesh edvanas, We mart yaw retentions do pope of purdwa, cah edwhaa, cad bWwm tra milrs and tan further sort M taneemom wish each group by tar Areal PraMepe Rue For em ple, pudaas s blid Is a promoWW refs and pueuhmsa abpd b s sYnderd fee wabi be spares grays. We rain b tea groups a kwwA 4m oebgoras At the end of sech bang prod, we aoaputo braces and Periodic Fiewrce Q*Ws fa each day d M brig pmW foreach kem cbm cwaM We nor M b" eq noon b ownp se Periodic Firma Gwpee la each ka anon cmbpary Avrep Drily Belshee x camber of days n M biig prod x Dmilyr Perak Rel (You may rdor to fie kronur dirge mummery m your birp sMenst br Senernwhs.) Them we add up to Penotkc Fnmw Cliff" breach keraactim plpayr bgot do bM Perrok Ftwms ChmrW for your Acaant The Avrege Daly Bale ice a showm as zero t, because of M grace period, w Periodic Fn mm Charges apply to M brancce in a tamechm rabgory We use at 4 YBBelaoa Owkxkg am kraem ms) meted of cWxuWWV to beknce upon which we impose panda Fkarw Chsga. We ampule onhoap Daily for ch s* p d the d* beknon n a Ldrg period for a Vivisection Gregory and d vd%M bM by the maim of days in to Wig cycle We . ompul or #w d bakerhch for triviseclim colem an emoh dry by bet adasg ft Wowing b the pnvlous day s duly balance kaneeCGaro made thr day, fee d wgW Yet day O FnrhoeClwpa eoau and Pei ed on to us Wei b , and by then subtwMg any ae6u and psymwhs Met an applied egwat to bdm of M terasmn nd a n the day b crpYYg M duly Ilel coapay n to let day d your gown lei bdm ID tl a trane Lab is blimp period, we mods fe'prawaa drys bWmw' b hew bean your brrhce for each emseckm podW euriscarM do?edMburgperiod nwhich acaws.wewitealMknsadnnnhev- b rgoccrredntoimpdeydMbftjprodnwhichtYposedb urkxo N Atfen tut re rlded to ft stands grdhaa Iona" cestoryr with it* excepbn of Cali Advnoe Trrssdim Fee Franca Chimps Mach an added to the e semen are0ay rd Brwm TraralrTunnmm Fee Fuancn Cher" which we added b M rppkoehk bWwm krrfr brmadim oststay When ex s M d b l d po , we move unpai e enom M belnoa bemfx end th SmIsnice TmWK Trarasckon Fee Fnnoe Chrgn to to drderd purdas Vareackon cMepory kbwevr, f M psaa rob hm ben twmwaMd ado the Del it Rae Plc, we bore to aped baYnos d te bels" grater cad M Basics TrrimW Tre ns- acbn Fa Franco Chaps n M appkceblatraamon as"M sus fwwecW tab waM! hays wp W For TDO (11allemmmumlg6ons Dada forth DIN) askance, plane CO 141IM347.7148. Daoover tray morkbr whNa record llephora term bd~ you cad D sookw teprearsetm for q m*V maaxwoe "poem The Dwvm* raid a rand by Discover BwM, Member FDIC OITBK170 New Balance Minimum Payment Due Account Number ending in 6494 DISCOVER $10,043.27 $427.00 Enter Amount Enclosed Below Payment Due Date $ January 9, 2009 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment Plus the overlimit amount of 10 SDSNOA01 0014448 $143.27. HEDGE, VIRGINIA M Go papertess and make your account information more secure with password- 618 WALNUT BOTTOM RD protected statements only you can access. SHIPPENSBURG PA 17257-9648 Loam more at discover.conv*periess. PO BOX 71084 Illrrslloil III III III rlrlrrl 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 Inlrlllife lrl1mlrr1r1nrl1llnrlBe lulnlln1nln1 rln1l receive important Account information and special offers. 000001986458215636511100432700300000042700 Discover More Card Account Summary Closing Date: December 10, 2008 page 1 of 2 Account number ending in 6494 Payment Due Date January 9, 2009 Minimum Payment Due $427.00 Credit Limit $9,900.00 Credit Available $000 Cash Credit Limit $5,000.00 Cash Credit Available $0.00 Previous Balance $9,773.16 Payments And Credits 300.00 Purchases + 329.57 Cash Advances + 0.00 Balance Transfers + 000 Finance Charges + 240.54 New Balance = $10,043.27 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. Cashbadc Bonuse Opening Cashback Bonus Balance $ 56.24 New Cashback Bonus This Period + 0.61 Cashbadc Bonus Balance $ 56.85 CashbackBonus® Anniversary Month: August How Can We Help You? I Visit Discover corn to pay your bill for no cost, view r P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, 'For TDD lassistance for hearing impaired) see reverse side Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. u tP o Dab Payments and Cmfits Nov 12 Nov 12 PAYMENT - THANK YOU $ -300.00 Msrdiandiss/Retail Nov 20 Nov 20 ONLINE GAMES POGO/EA WWW.EA.COM CA 27.95 27806589 Nov 22 Nov 22 WAL-MART SC - #5358 SHIPPENSBURG PA 183.63 Nov 22 Nov 22 ONLINE GAMES POGO/EA WWW.EA.COM CA 39.99 66106894 00w/Miscellaneous Dec 10 Dec 10 OVERLIMIT FEE Dec 10 Dec 10 LATE FEE 39 00 3900 Information for You "" ATTENTION •" Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 8543904 Looking for a lost minute holiday gift? Give the Discover eGih Card. No driving around for the perfect gih - send online instantly ft's good for purchases at millions of locations, online and over the phone Finish your shopping today at DiscoverGihCard.com/egift lmport+at IManallon. OMme is more lesions, peps b On big statemed, ss the bade do" papa for add Muauat npalent edarfvtasan. see yap CardaamberApmmmmd. Your cerdmemberAgremrant cadasa dthe terms of yourAccount lad or abbn crude. Report nftft yf Cd lMD347-2663 B" Moot Summary, In Case of Emcrs a Queeaons AboulYourBd' If you think your bil a wag, or gym need more sdonrualort shout a kwar cson on you bil, wiAl b us on a separate thedd paper at Dtecevar, PO Box 30421, Sak lake City, UT 64130-0421, as man s Posbb We mat hear from you no Wer Man 60 days &W we sad you Me fed biM on which to aria or problem sWeadd. You can Wephore us, but doing m will not Ream your nots. In your letter, gars as Me blowing sdameson, • Yaw name and Account nunber • The dolor amo rd of la wapecled mar • Describe the ewe and mplan, d you can, wiry you beten tare a an ems. M you need more nbmtstim describe do rem you am urmn about. You do not have b pay any amount in qusaon whir we are aneolpslag, but you are eel obigaad to pay the parts of your bit that we and in question. Whle we irvsagate yaw question, we award report you as dsleugfent or lake any archon b poled the amount you gastan. Special Rub for C Cog I Ptyoumay not achss: O?hian a problem with the qj" al goods or erwate Met you grdaaed wdh a credit card, and you have said n good loth b cared pay ramenng amoud due on the goods a services. Yam lave the protection only when the pwdaea pi ws mare then 1150 and tw pudwa sws made n yaw htanur slab a w*m 100 m ss dyer na tg sd*m (two own a operab to mmdunt, a twe mailed youths sdwrloermM fa de prude or swam, d purslane rs cemed mg, I, d the amawit a bceton d pupas ) Payments. Send onty you payment and Me lap piton of the stdnwd in the wvrebps potided. Do rat sod cash By sending your dads a described above, you adhonae us b use edormalion on your a pnaaswl n n alectariciuM trwbr, No MvWw*i be for the inert on the dock. When we use inllarm n tom or to peas Me peon s a dads t Payment walw, hinds maybe wi xhm tom yo r scant as soon we to seers day we repave your psyment, and you wit not rum yes dada to muaka on sWdrorsc lend tenoler. you deck beds ion yciurfrtaosal ruasYaon The lroaasg d your prpw maybe delayed (you send cash, canspodonoe a olhr Alms wart YW Poyment, l you sod to payrmd b any otharwJiw a dye urn an emeabope dhar than to one provided. Payments reacted in proper form at our processing fedity by %W bat sme on any day wi be aarited byotr Account as of IN day Parents awned pourproomwg bdfly elar5PM local bar wi be are&W b yourArmurd a d io mxl =' haw mleplr W your amnebpo, wil yaw pwpw to Dottier, Pb Bari 6103. Card Shawn. L SM976103. Pleas dow 7-10 days fordelivery. V your paymeed is reamed e rears to right b romtrmM d s an Woolo c debt. You an pay you mrirnun payment or a greater won am the tebphaa, and you can sat up subarea, pwpnalb Cal us at 1.600347-2683. You wit reed Ma ebbrted and you bark account rion name You must earn thd susio it kids we awieble ev your balk somrK and d taneadbits not campy with U.S law You aril be asked b parch Me bill 5 dig sd yo r som NaMm rd sip code By entering tannumbers as your decuarc sWAn, you wit be aprsag to the au0araason to dew to and you bark b deduct rrch Payment you sul grin from yaw beds acodrn, end to vow debit or credit antes to yaw bark account, as apple ebb, b owed an nor in the pmooearg of such payment Yau must tell s th* arrant of each Payment, or you can seled an ruewit such as the Minimum Payment Due a the New Biters on each N wnwit. You an uncial a Payment harrow we must rec awa notice at best thnas busmen days in olives of the sdedtdad pmymwt You may nobly in by phone at 1-000347.2663 or by mod N the address tided in la pernous Pwapaph 0 you P?Al may way in emus, we wit tell you on each moNNyr statement when your payment wil be made and law much t wM be Your AmMwWc paymmd amount may be lea Mar indicated on to no" aWeraM based an oedils or payments appled dung to ping type. Cndtt Rap th We may npad blrmwan about you accord b aedl busaua Late payments, mast payments, or otaadeb aft an your scooted may be M$Kbd n yaw dedM apart War nwn* npW tw Mesa wd popw t hm" d yourAcrbtrt b aedd tvw" ogwun each mmtt M you below that or report is nsocrms orsawupbe, pleeas wrAl us d to foloaag adbss: Dacow PO Box 15316, Wi i glen. DE 196545316 PWas include your mesa, address, ham Weph oa nnbm and Awou t mbar. PERIODIC FNIANCE CHARGES. PMmodic Fetrbs Chtrger are npaaad onant transactions fiom the deb Yabwee bm a padd b yowAooard udM I*" you Pay yon wpe New Balance, by Makerp payments or rece"credia. Hownw, dyou pad to Now Bple ics, onyar pmavous biting Usisme t by fie PwyintN Due Dab Woman l d ibmasK and you pay the Now Balance by the Payment Due Dion amid bikg NebmmL we wit not epos Periodic From Charges on raw pwdaaes, thd a. padres fast appearing on In cited daemrud. We ad Ms to grace POW Ot aneft, you wit MOOM a bitting deenerd no month that includes; Penodb Finance Clargas an thew rear pudaas Throe a no grace peed on balance travelers or cash advnos V& &A your awaecYorr No groups of purchases. cash sdvertoas, and balance transfers end then trier eat the transactions within each grump by gar Inch Percentage Rob. For wivile. purdawn rubPfd b a promotional role and pudrass ubyad to a elnderd fi would be seprNa gongs Ws rofw IDthear poops as twec4an asportas At to and of bikta Paced. we cwnpa ldvwwa end Pradtc Finance Chomps for each day d the b*o Peed forsxh transaction, ads" We use to btor g equation to cogras Praia fvwm Chnn for esdt kwmbon cebgay. Awapa Defy OsWm x mntw d days n to bike period w Daly Pant k Rah (You may ales b Me kww dwge summary on your shkned for9eu nwAl) Then" add up the Periodic Finance Charges for each Inviess bw caepay loget to bel Periodic Faanaa Charge for your Account. The Avrap Daly Balsas a sham s amo d beater of the pace period, no Periobe Fiance Charge apply to the balancer in a transaction aegary We use to Awrape Daly Balance *Iudng new twewdbe) mdtod of adculearmp da belies Wrr which we erpae Periodic Finance Chwgea We conpub toAwrage Daly Balsas fa each tamecew cdom by addnp up d fM deity balsas n a big period for s traedbn co" end dmdng the bW by le numberof days n the big cycle We ampule fie daly bdm fa each avwactionaegory an aedt day by fret addnp tha bloverg b the Memo daya defy balance Ineviscbora made tiuat dry, bas charged that day and Periodic Fkwrm Chomps accrued on to prewar We dely batwbo; wd by than ambteckg any credta and payments that are VOW spinet do bins at tla trarradan category on last day in ahateang tie defy balance for the bat day d the big peno4 we toured, ga•Prme w days halite' b hew ban yaw balance for each hivactim category on the bbl dry d yaw pronaus brflmp prod, lea twaacson is posed b your Acacia d* the dosed M bing period in which 9 ocaas, we wit bed the transaction as hav- rg acc rind on the fist day of the big period a Mitadn it is pooled to your Account. AI IDIWAcanl are added b la dandwd ptr I twoaobm ail" with the weeplon of Cal Advance Tmeadion Fee Finance Chngs whdt are added to to %IV}} transaction GOMM and Biros TfwabrTrim action Fee Fvanae Changer which we added b the applicable balance liandw arassw coleM. When a IiPll?i kanslorrate appro. we maw to tatpevl talents d the balrba sealer std the Balsa TWSW TM*od l Fee Fkwba t? b to stamudrd purdwe tw@wbm cabM Howes-, d tie spndd me has ban lmm"d udr the Didt Rae Plan. we haw the taped biros d the balance and the Balmce TwWw Trae- adton Fee Fierce Gwges n ths ap*d* transaction cai" udl 6espeaal rate would hew eVi ed. Fa TW (TNseoar mnbeOoa Owks for the Da) asleWtea, Pose eel 1.6 UT-7MM. Duacever may mauler idler record elephae ale between you nd Discover represrdasvae fa quaky aaarance purposes. The Drowse card a issued by Oaoovw Bank, Member FDIC OITBK170 DISCOVER itP°yi1o W HEDGE, VIRGINIA Account number ending in 6494 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodoble, printable statements. • See your statement as soon as it's available rather than wait for if to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discover.com/paperkss W. 02009 Discover Bank, Member FDIC Closing Dale: Demcnber 10, 2008 page 2 of 2 Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PEKMAGE PERCENTAGE FRVANa FNANCE Bold Rates RATES RATES CHAWAS CHAROES current biNing period: 30 days _ Purchases $9759.52 008216% 29.99% F 29.99% $240.54 $0 Cosh Advances $0 0.08216% 29.99% F 29.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. QU65t10nS? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683. DISCOVER New Balance Minimum Payment Due $9,745.89 $268.00 Payment Due Date February 9, 2009 10 SDSN6A010014449 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card or pay online ® Discovercard.com. Go paperless and make your account information more secure with password- Protected statements only you can access. Leam more at discover.coWpapertess. PO BOX 71084 111111111111111111111111111111 CHARLOTTE NC 28272-1084 Address, amailor telephone change? Print change in space Irr?r??rr?nr?r??rirlrr?ilrnlll?rri?nlu?irl?u?u?rrlr?rr?? above, or go to Discover.com Print your e-mail address to receive important Account information and special offers. 000001986458215636511097458900550000026800 Discover More Card Account Summary Closing Date: January 10, 2009 page 1 of 1 Account number ending in 6494 Previous Balance $10,043.27 Payment Due Date February 9, 2009 Payments And Credits 550.00 Minimum Payment Due $268.00 Purchases + 0.00 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $154.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Chores + 252.62 Cash Credit Available $154.00 New Balance $9,745.89 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 56.85 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 56.85 Coahbock 8onus8i Anniversary Month: August CONGRATULATIONSI Your Cashback Bonus(R) is wailing for you. Visit Distover.com or call 1-800-USCOVER (1-800.347-2683) to redeem. How Can We Help You? 1. Visit Discover com to pay your bil for no cost, viwv your latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Usability Guarantee Use your Discover Card with confidence. Trans. Post t Dab PayrncMs and Crediss Dec 28 Doc 28 PAYMENT • THANK YOU $ -550.00 MEMO Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily R? is PPE AGE PER AGE FINANCE FINANCE Balanc f2HAIMS current billing period: 31 days Purchases $9918.31 0.08216% 29.99% F 29.99% $252.62 $0 Cash Advances $0 0.08216% 29 99% F 29.99% s0 $0 'The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. knPc d bft 1111101 - 9 two emote ern one pope to is bAahp sWanerd, an w bode d each page for soliond uporla t m mnsbn. Sae Y- Cwdnw A- AW-nut Your CerdwrAw AW mad=am all the terms of your A m" Lost or o0las cards. Report MnedWelyl Call 1-000,147-2683 BIMrg R%O* Summary. In Case of Enaa or OunilemAbpd Your Bht # you O" your bill b mag, or O you need more wdomabon abed a benesdon on you bid, wnY b ue on a separMO shestd paper at Dmowr, PO Boa 3D421, Sell: lake Gty, UT 61130.0421, a scan a poesble We must her tram you ro bter ern 60 days of r we sea you w fsst bil on which to am or problem appeared. Yes an leleplbrm us, but doing so will not preserve your rghls In your teller. give us w blowing nformatan- • Your now and Aooou t rasrhr • The Mr amaud of tie sumpeded sir • Describe the error and emplan, d you con, why you believe we s an nor. M you need mesa rdom14bon, describe w item you are unsure abed. You do not have to pay ny amomhl in question while we os anveebylag, but you are all obligated b pay the pert of you tell to rs rot n quason. WNIe we srvsebpab your grosbm, we cannot report you as deYpuent or take as echon b called the anbun you question. Special Rub for Crodt Cod Pudwa: 9 you have a peal lrn wcM to qual yof goods or services that you purchased with a credit ord. and you hove bed in good faAh b coned the problem wdh w merdwht you my not have lo pay w a .m. amo rd due on w goods or services. You have tea proMcbmady when w picoa Picowss more ten 650 and w purchase was made in you horns pate or wwh 100 min d you o14Arg address (w we own or opens the merchant or A we mailed you to adssrMnwd for to goods or services, all purchases so covered ragrdess of to w 0A or bcabon of purchase) Parmle. Sid only your payrhwt eider by porim of trs sbumert in the envelops prowled. Do rot sad rash. By Sendig you c a& a deeaibed above, you stNbnu us to use N*mw m on you ol" to make an slaa0ne Mad Wondrkom your seoourd at On kw*W nsYhAm indicated on your duck or to process to pa yntent a a duck knacbm tpsynnodspoaesedanalecbahicfundIrandr,theInsider codbeterwarnoutmtodwdcWhenerecabrAwmmkornyawdhedubmoMneI , ,kindtensfer. kinds may be wil down ken you account as mon as w esmo day we receive you psyrron, and you will riot receive your check bade from your Mronciel mM*m The promising of your pampord may be delayed if you send oak armipandena OF 001411 dins walk yam pymed, A YOU Send the payrnwht to any OMher addoa Or if you ere n orwal ps oNer ern w one provided. Psynhterm received in proper form at our processing biddy by 5PM local rm on any day will be ahsdked to yarA=w as of that day. Paynhenb received stor process i g fly eRr SPM local lens will be cre6tad b yo rAooound a.d w next dry 9you have nvoplaed your mwdope, tend you psyrlvnt b Discover, PO Box 6103, Carat Shorn, t- 60197403 Pmm allow 7-10 days ter dekwky. It your pynwnt is rebind unpaid, we reserve w right to rsaimt d at an demon : debt You an pay liar mrhharn psynient or a grader mount over w blepthons. and you can act up abrnabc psyrrhrhts Call us d 1400347-2663. You will road to atabnwd and your bank accaud ff*mwbm You must onsre thm uA cint bids are mail e in you bent aaount all all barmaWorw must aorrply wah U.S Iaw,You will be soked b pnwrde w fist 5 dghb of your saint a4wrhonl zp ode By anrrp ties nunhbere a your slecaaso a~. you will be ayeag b ter rNhor¢ebn b abow to and your bwk b deduct each pammint you oWhorve frrn your bank scoaaa, and to rprte debt or orsdht mice to your bri,scud, as applicable, b correct an error in the pmoessrg or such paymm Yon not hill us w rhbure of each paynsnt or you an soled an erotic such a the Moorman Paymak Da or No New Bsbrss on esdh sbbnuent You an omcal a psymnt heaver we mm reaewe nobs at bast tea hionees days n schwa of the scheduled pymsnt You may no* tie by phone it 1.600.347-2663 or by mil at the address Mad in the prewau rroparagraph. y tyou indicated on the my in mxrH we will M you an each monthly statement when your psymem wA be made and how much r will be Yar Aubnhac peyhaM amid man * shimmer based on credo or psymada applied dung w billing cycle Credit Reperlkg. We may report rdarr14bon abase your ahnoun b unit hnm. Lou payrhwda, missed parrs, or over "Am an your saahxnt may be rate Gtsd n yaw acid report Ws mmviy report w sous rod paymnt history dyour Amoud to ae61 re" agencies each mmtt tyou bdm that err report a itscausb or rbornpleb, puce wile us d the Moms g addroso Dsccim, PO Bak 15316, WcLrwg, DE 198506316 Pleese ndude your rome, address, thorn telephone amber and Accent renter. Now BNrhoe, M nWuntpa?wta nOWwnt aedhle However, dyou paid mw New 8abrha ? preuias UlI g $%WrA t?w b your Awourit unlil do 60 you Paynhrd Die 08b shown On dNl gyour wars Nn14N nd you payer Now Balance by to Psyrrort Due Doe onyam wnw billing staleehed, we will not repose PefhOdc Fierce Charges on new purchases, 0141 is, purdhe fist appoarag on w awed sulaart We od In to rite period Olhrwxsa, you will reame a bilrg sedmnt new month tho includes Periodic Frwmoe CAharges an those new pudaas. Them is no Woos period on bolence kakders or ash advences. Wand your krraciohu ino yaps d prdhaes, ceWh advice. rd NIonoo bsnef rs rid tin kethraart w sanacior14 watlanh ssdh Whop by their m al Percentage Rate For exnpb. purchases mosat b s p temosahal rW and purchases egad too akrdsrd rate would b seprau groups. We relarb theme papa kanissam oslaa -, Alw end d each big period, we oce pule belmoss and Penodc Firwhoe Owges ter each day d In blip prod for each mmacton c@WM 1Ne use to bkwg **mom b cor" Parade Firm ChrWa it eedh I nwom cdopyr Average Daly Beane x nunhber ddays n w big pmW x Daly Pence Rau (You"" refer b w bwhce charge crania on yon billing oatrnerd fort14as annou tie.) Then we add up to Perodc Few" Chspss for akh barsabm adwy buret w bur Periodic Frhnce Chrges ttr your Amount. The Average Daly Balm s shown as zero d, because of to grace prod, no PerpdaCinc a Charges apply In the balance in a va n Cam Comm We roa wAveoge Ds1y Bebnhce (shcI, I Sew kwmwxxw) method d a W*V w boWm upon oK h we np0ss Parodic Fkwm C1wAn. We ampule w Average Daly Bdwmforearthtw"cbmom"byodiogtpdwddybWmmnabigpwmdforabwdwboncobgoryaddiv4gwbWbywmmtwddyonwbbecyde Wa off" w daily bolrm for each hamacim ealem on each day by fret addrg to towing b to previous days duty belerae. krhseckno made the day, lees charged the day and Perhodo Fir ncs Charge accrued on to pnwnts We duly befrm,, and by tl14n tthl14deg any cede and psyrrwhb did we sow ag m the bwmm of w kwm4m ofibm an ? led day d your promous MM d Incaloulmbg Ow daily bow= wkxgthe t Ilrot day dto big WW. we arsdr to *previous days bsbnoe• b haw ben yam balance for esch tomdw OMOM an ngocanednw*9day dwbigpenodnwhichds PcabdheliarAocaxtafter wdose derdkgpsnodinwMahdaoan,wevNssWwto14acYoneshev- posed to yarAooomt. ?dpt)<Aooard am added b the standard Purchase krhachm caupay with to sxoepkon of Cash Advance Tro ssdnn fa Frwm Charges which ere added b to Odom and 8111111011 Trander Tomackm Foe Frwhca Chryes wtrdh as added to w applicable balance sister krradim augury Win ?e ape xW bWnoeMMfkrskars raMbm e "n. coo mow w uprd bMm dw bWwm kwWw end to 8dwm Trendy Tmroxkm Fee Firhrse Chrtss to the standard pacers Hamm. It w apses kpe has been b MMW under w Ddm* Rob Plan. we save w unpaid bdmm of the balance krafar and the Balance Therefor Trans. Charges; in the applicable kmssctn abpory urd the Would rate would have expired For TM (TalecomnuNatoro Device for the Deal) mildmhca, pease call 14W 347.7449. DGWM my manor WON record ale OW oak between you and Discover represenbtves for quality assurance puipow. The Dswva* card is awed by Ducever Bari. Member FDIC OITSK170 DISCOVER New Balance Minimum Payment Due $10,075.19 $535.00 Payment Due Date March 9, 2009 10 SDSN6A01 0014450 HEDGE, VIRGINIA M 616 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ 1 7771 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $175.19. Go paperless and make your account information more seoure with password- protected statements only you can access. Loam more at discover c=paperless. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change; Print change in space pill n1n1nn1111rrAniu1rr11rr1rr1rr1r1u11 above, or go to Discover com. Print your e-mail address to receive important Account information and special offers. 000001986458215636511100751900000000053500 Discover More Card Account Summary Closing Dale: February 10, 2009 page 1 of 1 Account number ending in 0494 Previous Balance $9,745.89 Payment Due Date March 9, 2009 Payments And Credits 0.00 Minimum Payment Due $53500 Purchases + 78.00 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finarres Charles + 251.30 Cash Credit Available $0.00 Now Balance = $10,075.19 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 56.85 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 56.85 Cashback BonusSi Anniversary Month: August How Can We Help You? 1. Visit Discovercorn; to pay your bill! for no cost, vi.w your latest Account information earn and redeem rewards and more It's your cWice - 3 ways to help , 2. Call 14"SCOVER )347.2683) for lost, easy self.service options or to speak with a Customer Service Account Manager Please have Discover Cord available. your 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. Post T Daab Dcft Other/Misalaneous Feb 10 Feb 10 OVERUMIT FEE $ 39.00 Feb 10 Feb 10 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. 8 inance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dai ? is PERCEWAGE PERCENTAGE l R TES RA AATES CHARGES CHARM current billing period: 31 days Purchases $9866.96 0.08216% 29 99% F 29.99% $251.30 $0 Cash Advances $0 0.08216% 29.99% F 29.99% $0 $0 The rates Neat apply to your Account ore either fixed (F) or they may vary (V) as noted above. Planning a Spring Break tnp; Whether it's now or for, book online and save - with 5% to 20% Cashback Bonus(R) at over 100 top online retailers like Carnival(R) Cruises, MyHotelStoy com, and Thrifty car rentall Just link through ShopDiscover(SM) at Dixover.com/shop ROPOF? awanrttob. If two man fun ore pope brie bdog stwowK see the beck d each papa br sddbwd erporrnd ehbnrwen. Sea Yaw CarAwalo rAprewrNnl Yaw Cerbnwiber Apanwaanrive al to rave d yaw Acamt lost or sbre cords. Repot madwrlyt Call 1400.317.2663 Bleep ROb Swrwury: In Cm Of Etas Of Qul$W AbW You Bart Nyou tlwic Ya+bd is wag, or f you need Mae wforaaYan ahoul a ire molian on your bill, wAe b us on a ssparab shestd paper a Dboom, PO Box 90421, Sall Labe Cay. UT 81130.0121, as wares possible. We moat hear tram you no Wr Ion 60 days slier we am you do fret brl on Ouch to wror or poblwn appaered. You an t Aowe us, bd d0osg w ad not Irresenve your npl is In Your rfr, give us tb b10wewp nlormsion • Your nomv and Accent number • The dollar amours d to swapeded error • Describe the w or and explain. f you con, why you beleve ten is an arts. N you need mom wMnnsim, describe tlve gam you we wwn about. You do nail hew to pay arty NWW In grwe w wMe we as, invesYpeYg. big you we we obligated b pay to pans of your burl sal are not in pesbn. Male we Huesbpsr yaw pesim, we aaat report you as, ddapwrf or ble wry adcrw b called Me amohnt you question for Ctadt Card Ptwdraa: NYou haw a prablrn wsw ft gas * of goods orserw in fiat you pudwed wit, a credit card, wd you hew Ined n good lash to cared In9pr nRub onto to wwdmK Ind Ir pods was mats n you may not haw b pay to naming waA due an fa goods or wwroes. You hew ft prdnwton a* when to padres pane wwa moss twin $50 aavosws aI yaw horns err or wsww 100 Mies of your telrg address (e we am oropwUe to merdrrht, or of we ff*W you par edwriawnwf for far goods or PwsAaaea ore eowrad rsprdsss dt,e amawwl a khaion d pwdrse.) uY Y? 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PO Bah days for calvary N Yoh+r Palanmt a reMcad wpedd ws reaww in MM to rawdrM d man ercbas cdebf You con pay your nwwnun paymrf or tpralw smart over do rlephae, and you am aw up aubnraic payxrwaxs Cal us at 1800 3Q-2683 Yau wd reed the dowwwt and your bank accowf afamaim. You mart man that suKimm tads weawratbr nyo r bank adecuf and aI Mwaae alai amply wfh U.S law. You will be salad b pwnde Me feat 54001 yawSQMMddMWlzp0011• BYwMrlgIwoMatters uyour eMdrawWakes. youwill besprangbfeda MMhonballowaandyourbankbdo"each pa"w you au of *am ya+be * accaaht and b nibNe chits =& worm b yaw bank somwd, n sppiable, b owed an nor in fie pace" of such paymwf You anal lall us tie mow is raio oa buta bumw am send n wnwf auc ha & irwwwn Paywwf Due or to Now Baksw on each wawawl You an =noel a paynwK hceo*w we no - Nparpaynwrstmallwynw?,,aadvwbsaltos Ie4I peysrwnlYoumyroilyabyphara1-8"7.2683aby madafeaddress Yeledntoprevious mpograph be Ir=e Irrw sdiceled on Ow floor" rtwmd based weft or "??f wdhen to?f made and how much 1 wI ba YauAubnwic payment amouf PMT aDPIW dasshp to bdrg cycle. Credit Rapatap. We may report afomrYon about yaw stunt b us& bxeww. Lair payments, mssW wfmo, or ofer derma on your aooouf my be re6wled in re us d p ttV rwmaly npod h tea wd pymwt 1wy d yawAMM b aafit m" spades arh monfw N you bdow tm cu mpan is nmuar a a=mpler, pryour a" au wane Iloilo" address: Disavow, PO Box 15318. Wirwnplon. DE 19MM16 Now ndaM you awe, address, lanwsyrphar number and Aowuf mwdw New, PBellew. ERKWK F by CE CK48M. Pei paymwM rpwreg aedils, liowewrwa aid n al tragao6pas tan ahedsr pr Mwcbm a poWd b your Amourd colt to der you psyyxwr Mrs You peed tr Naw Barns n your poift s big swrrhaf by Ice Paynenl0ue Dar shown m tratsrrnerd, wd you py l e New Babas by to Paprwn Dos Dar onYou arrentbdhg srbm@K his wd not npoaa PwnoAo Fswma Owspes m new pudwues, Main, pwdwss Ire appswaq m to 0wrwa slarnwwR. We ai Is, Is, pnaa paned. tkwirwee, you Will no=va a biting slaWrwerf next nn * furl ndwdes Periodic Fiwwa is no grace period an below trerrles or cash dduw=e. Cho" on f=ee new pudrsa There We son you Mramonl cab pap of p ahem, cash advwaa, and bdwwoe Mare wd ten father am to waaaons wft each group by #w Amual P ; Rob. For P wubywFbwpnhwratwWrailadpudrsasugeatbasfardrdcarwouldbeseparrgrata.Wemawbrinegrailsartwouchmcelag esAuOwwdd Po=d= Frrrrca barn=s and Penodie Fiwha D tar sedw dy dfar hiMrhg pwbd breach Meactiorw argosy We ere the sunMwY m raw binp sadrahwf bra wrTadd up 1wPwwo30x d=ye n rr iwNswg pwad: Day Periodic vela (Yaw a" mW iii fe inshoe to WrIo" &ap =L? 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For TOO (TobwaaiarikA lava pwla for Pte D* aarlma. please call 14&UI.7119. Dveaovw my mwft mdtor record IaWww calls betwew you and Discover mpaentaives for pray ass rang pwpoas The Dnwm* card a issued by Dwoover Bak, Member FDIC OITBK170 DISCOVER New Balance Minimum Payment Due Account Number ending in 6494 $10,090.69 5478.00 Enter Amount Enclosed Below Payment Due Date $ Apra 9, 2009 Please make check payable to Discover Card. You are overhmit I ?the sum of th thl e mon y oy minimum payment plus the ovedimit amount of $190.69. 10 SDSN6A01 0014451 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover co"paperless. PO BOX 71084 111ros11nrrorr1111rro1r1no1 CHARLOTTE NC 28272-1084 11111 11fill nn1111nn1111111nr1111rnr1111111If 11r,1III It 111r,11 000001986458215636511100906900300000047800 Discover More Card Account Summary hosing Dale: March 10, 2009 page 1 of 2 Account number ending in 6494 Payment Due Date April 9, 2009 Minimum Payment Due $478.00 Credit limit $9,90000 Credit Available $0.00 Cash Credit Limit $5,000.00 Cash Credit Available $0.00 Previous Balance $10,07519 Payments And Credits 300.00 Purchases + 87.98 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 227.52 New Balance = $10,090.69 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonuse Cashbock Bonus® Anniversary Month: August Opening Coshbock Bonus Balance $ 56.85 New Cashbock Bonus This Period + 0.02 Cashback Bonus Balance $ 56.87 How Can We Help You? 1. Visit Discover corn to pay your b8 for no cost, view your P latest Account information, earn and redeem rewards and more Ctrs 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) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Uability Guaranies Use your Discover Card with confidence. Trans. P te Dab Payrnenb and Credits Feb 11 Feb 11 PAYMENT - THANK YOU $ _300.00 Merchandise/Re l Feb 20 Feb 20 ONLINE GAMES POGO/EA WWW.EA.COM CA 3.99 29250062 Feb 24 Feb 24 ONLINE GAMES POGO/EA WWW.EA.COM CA 5.99 67614098 odd/Mi"aneous Mar 10 Mar 10 OVERLIMIT FEE 39.00 Mar 10 Mar 10 LATE FEE 39.00 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 of least 25 days from the Closing Date shown on the billing statement. 8543904 * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. lei "W ktf --kilt. N t- a more ion our papa b fs bkg MalerrwA, moths back d each papa fa addihorhd arplfled nbmalm. y Sae your Cndn eardwApraaasat Yea CsdinakbxAgraensm amfem all the tame d ywAccouA Last or stolen cards. Repro irrearbeoyu Cal 1400.347 2663 Bilkhp Rlghb Swwmy. le Cao d Ems o OmOunAbaA Yoor Bf Nyoofnk you W r wrong, a Ayou need more nfomabn about a ftwebm m yw W, wkfe b w on e 8 sep rve *said papa at D"m, PO Box 30421, Sell Lake City, UT 84130-0421, as scan as poseble We mud hear lean you no Law win W days alter we am you is feat big on whack is wor or problem appeared. You can We$m us, but dap so will not p mm your nplda bh your Ietler, gnus us the blowing riommbon • You rams mdAomW nad>er • The dole amaurdd to akspecied error • Deeabe, the wa and explan, f you can, why you bake we Aare is an are. N you need more Wo n ohm dascibe to Mm you are unsum about You do not hue to pay any no(rA n queebm while we are nvissligalehg big you are all d*pkd No pay the pats of yw bile fat are not in ghsabon. Wile we nwealpals you queMxn, we camot raper you ae deMpnse t stake arty action to tailed the mvA you question. Special Rub for CmdM Curd Pudmn: If you hew a pdAwn with ft quality of goods *r services 2W you p ohmsed with a audit cad, end you has kad in good "b cared to p dbm with to mwdwK you me rot hew b pay too mm" amourd due on the goods or eawces. You have t s probckm only when to pudaee price was mac dw $50 and to purdwe wa made in yw hmsstake or wain 100 mks o(yw nsing address (If we own or opemb the merdwd, or f we moiled you the edvaMer nd for lhe goods or services, all pjdmn are wvemd regadw of to arum or kxxmn of pucase:) Popmft. Sand only your paymaf and the lap portion of fee swerrhait in do awsbpe provided. Do not sad ash. By mxkg you dark as ducrbed above, you wAhmn to to use hrdamskm an your clack b mils an alemm lead Wafer nom your accouit at the frwwxal irmMulah n6aled an yaw deck or to prooss the psyrned a a dndk lea mmo m N payment a ptooseed s n eleckaea fad kamler, fo twoW will be for the snarl on to deck. When weue nbmwbm tram your died to nmfo an slectram kid tamWr, kale may be whih6awn from yw acahrA as soon s to seem day we room your psymed, and you will nol Somme your cadk ban from your finaaxd m ilubm. The pocemig of Yom paprwA may be delayed if you send cash, oasmporderm or otw Ams watt your peynwd, If you sad to paparit to any der addras or if you use an envelope otlw ion to as provuded Paymerhle roamed m proper i m at our poceswg briny by 5PM local Was many day will be amdibd b ywAocoud a d ist day Pvpwt s mmml arw p meninp briny albr 5PM local line wilbe aedeed to yourArxnuf n of to next day gym ?aw nwpleced your envelope, mad your limpno to Dna w, PO Box 6103, Carol Stearn, k 601974103 Pleas allow 7-10 dye fa delamy. N your paned a rolamd urged, we mere is kglf b mubnW A s an electrons dept You can pay yaw nwurorrn psynwt or a p aW ammm aver the Wephas, std you can set up aubmMw mmft Call us at 141WMT-2683 You wi mead Mr ateNmenl ad yw bob account nWmolan You must awn thM sulNsed funnier we available n your balk som". and all taeecookn no eanply with U.S km You will be sated b pkwde tlo Wet 5 dgAS of yw som A ddmwt zip code. By ahbrirg too dnkbws as your eledromc sgivAn. you will be ap eig b gas a devil taxi b allow w end yaw bwk b deduct each Peymed you mulbonre kanyw beck aooQuK and b rhAWe d@M or dedit entries b your bei* amn, s appicd* barred n amam to proaasrg d Rich psym art You nmt sell us to conceit of each payrnsK or you art select n avant such a the, Mmnrnm Papent Due or in New Batiks on each animal Ybu an aroef a pymrm, hoi am we mWmuwnobsstWW#mparesdesns1, ,canesd*MWpapenLYoumyn*haby*matlAO.147-2683abyrailsttoaddressbodntogrAma peaagraph. M your pwm* may vary ih arm^ we Ad tell you on each nior" sb~ when your payment will be made and how mhdh r will be Your Aubmabc pspW amoaA may be Was ion ru6aled on to Ro-AW stebmad based on sects or ppuonts VOW durrg to bring cycle Crecy Rpatbg. Wa may mport ifamssm about yaw emM to credit bureaus. Late panwAS, wmw peyrrmAS, or o0w debutb an you aacwit my be rafadd n your moo spat. We namelly repro the sWS and pepwd hebry of your Account No aadd repaleg agencies esdh modh N you believe dhet our mpon s naaawsb a nocnhpWb, pbaea was us atfie foNowrg ahddreas: Dacova, PO Box 15316, Wfsgton, DE 19850.5316. Please ndab you rsrne, eddrees, ham teleyfhone number and Aooant ronbw. PERM IX FRANCE CHARGES. Periodic France Clwgo are knpoaad on all trasecbons from to deb in mmaceon a paled to your Aoomt until lea dab you pay you svm Now Balance, by mabig pwpmb or soawg craft. However, it you pad do Now Odom an your gems bNrg swermrit by is Psynnd Due Dole shown on fill atstamert, end you pay b New Bekrhoe by** Payment Due Dale on cured bing sWarwhl, we will n of anpose Penodle Fees Ctwgee ontow pudmn, ihst s prdmea Trot sppeeng on to cued MMwmd We d In to prone period. Oiwwse, you will mxwa boi g atdensrt mil ffam fat ncudes Fix Fnvwe Chorgs on those now prdhss There a no pas period on bdwm VwWm or ash actuates. V% sort your tasacuons nee gmkps of pudases, ash advakos, and belence tashm and Own kWwam do transactions wft aadn group by lhs Nnusl Psiommile Rile. For example, purdhasse subymd b a p umnolionsl rata and psdumem subped to a standard role would be separate greupm We reWr to Uoas grohpa as trasecim cMsg as At to end of each big period, we ampule belnaa and Perak Frwm Chagas for each dry of the Will period Wreath ka and m cebgay Wa use to follow" Owsbon b =" Periodic Finance Cherns for each varnedion alegay, Average Daily Belnoe x rmrrba of dya in is Moil penod x Daly Pw*& Rile. (You may mWr bill kwka dwge sirrerany m yourbiinp taYnwAa foriueasrahmb.) Then we add ley is Pan6c Fnvm C for each kasnim calepay b gat to Idd Parodic Faience gets for your Account The Average Deily Balance a Mown s ono d, beauas of be grow paced, m Pwb nonce Chnn apply to lea belam in a teaeacbon cmeM We use ft Avaage Only Beim (aicbudehp new kamaciorp) n MW dalciAelag ft balance kpm which we npose Parodic Frans Chugs. We co" ft Average Daily SWOM for each tennebm od" by addrg up all to daily Wiliam in e Will pmod for a transWm abpay aid d vmkV the told by the marhber of dye in is big cycle. We ow" the daily belna for each baraee(ion caleM an each day by WM addrg fs tolmw g b the proems day's daily b"m tasactim made test day, bea dwgsd fat day aid Pwhodo Fnaroe Ch ergs accrued on to prams days day balance and by inn s blracpg arl sects and paysmits that are eppked spenM the balem of tlo tsnauA n abgory on to day le aldeleup fo day beteroe for tlb fat day of to plug period. we consider to'pwmw *a belenon' b have bon your bdwm hr each varvacam coleM on to lest day of yw pwian Wasp period. M s bassahm is posted to your Ahxxxrt ally Me coo of the Will powd in which A oasis, we will beat to keroechm as hav- rgoam - ontwfastcydfnb&VpenalnwtadhAepooledbyouAocoud AN b h ud are added b to standard pudos Irmseaan eelegoy with io melosm of Cash Advmm Trwoadxrh Fee Fnnoa Clhrpes which we added b to ? rhppr kansechm ategciy and Belem TrwhdarTraraacmm Fee Fuiscaa Chaps which m added b to applicable baler bank trenaaot, category. When a spacial bdwm kenaler rob mWee, m iron the uped balance of the balance Waler and to BWwm Tweler Trahsecbn Fee Friarm ? b the sWrwierd pueheas trarmdhan cabpay Itowwva, f fs special rub has ben wmn*d wmW In Default Res Pion. we new fie uWW below d fa bdarm and the BaWm TrasWr Trans- adnm Fee Frmica Charges in On applicable lwoaclion ce" will to special nMe would have expired For TOO (TdaaronuMeatbn Oevke fa to Desq aeeNprnce, pose all 1200.347.7449. Dsawr may monbr ardor record bbphao kale bet was you ad Discover ropreserwakvea for quality asuraroe Rvpoesa The Drava" cad a amW by Discom Bw*, Mamba FDIC O1TW170 DISCOVER It pays to HEDGE, VIRGINIA M Account number ending in 6494 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at 1 Discover.com/popw6ss 02009 Dlxwer Bank, M mbx FDIC Closing Dater March 10, 2009 page 2 of 2 Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily RPor ates is RATESNTA(iE RATES AGE CHA? FIINANa CHAILGES current billing period: 28 days Purchases $9890.35 0.08216% 29.99% F 29.99% $227.52 $0 Cash Advances $0 0.08216% 29.99% F 29.99% $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 D'tscowr.com or call 1-800-DISCOVER 11-800-347-2683). DISCOVER New Balance Minimum Payment Due $9,439.34 5264.00 Payment Due Date May 9, 2009 10 SDSN6A01 0014452 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card or pay online Q D{xovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.conVpapertess. PO BOX 71084 11111115111111 CHARLOTTE NC 28272-1084 Address, e-mail ortelephone changofPrint change inspace Irrlrllrn1rrrlr1lirrlrrlrlrr41111rrrlrrlrrirrllrrlrrlrrlrlrrll above, or go to Discover com. Print your e-mail address to receive important Account information and special offers 000001986458215636511094393400500000026400 Discover More Card Account Summary Closing Dole: April 10, 2009 Page 1 of 1 Account number ending in 6494 Previous Balance $10,090.69 Payment Due Date May 9, 2009 Payments And Credits - 900.00 Minimum Payment Due $264.00 Purchases + 0.00 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $460.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Fiance Charges + 248.65 Cash Credit Available $460.00 New Balance = $9,439.34 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cwhback BonuSe Opening Cashback Bonus Balance $ 56.87 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 56.87 Cashback Bonuse Anniversary Month: August CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discover.com or call 1.800-DISCOVER (1.804347-2683) to redeem. How Can We Help You? 1. Visit Discover tarn to pay your bit for no cost, vi'w your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Safi Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. TDab mns. PDab Payments and Credits Mar 11 Mar 11 PAYMENT - THANK YOU $ -400.00 Apr 8 Apr 8 PAYMENT -THANK YOU -500.00 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 wig continue to be at least 25 days from the Closing Date shown on the billing statement. TRIAN Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNANCE Fwma Baksnces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $9762.65 0.08216% 29.99% F 29.99% $248.65 $0 Cash Advances $0 0.08216% 29.99% F 29.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. WWOrWnt WJ=mW rt. I hem s tnae rim am Paps b gas bgbg VAWwmt, as the back of each page for adMond ugwW mbwdh n. Sa your Cardlnrabar Ageaenl Yaw Cw&mmbsrAganwkt cortdro d the tams of yaw Account Lot or Naive wds Report rnredmyl Call 1400.347.2683 Bm ft W*40 Sumwy. In Come d Enm or Quesws AbatYour BA. N you tstk your bill le wO% or A you mad male mboalim about a kwmmaan on your bill, Mae to us on a d d g seperole wl paper at Deaver, PO Box 30421, Saw Lake City, UT 8413IM10. se soon a possible We met her from you no Isler then 60 days &W we sent you fro 6d bA on wh dh M mw or prohkrn appeared You an Wephone us, but ding so wA riot pseave your ry/4a. In your bgr, give es Me tlmwwq r6mom • Yoe rwm wdAoww t mr ber • The dollar wtard of twa ouapeded am ?n • Dssabe to era end explan, d you can, Miry you befsve tea s an error. N you need more nfamtabon, demixbe the tam you are uum about You do not have, b pay miry errant n W"fn whale we ere rwlabp irg, btdyou as MA abiplad b pay to pals of yots bill tot an not n gmkon. Wide we krvedgale your gmbon, we carrot report you a debgm or like any actin b called to errant you gmbm Special Rite for Cndl Card Ptrdmn: 9 you have a problem wilh the qm* of goods or services tot you pud=W wilt a aledi aid, aid you have clad ngood hint b carted de pablrn wash to nwdwt, you may not have b pay to twanng smart due an the goods or mvms. You teve In proocan arty Ow to pkadoa pia was two tort $50 rid to purdea was made n you Was stale swim 100 min of yea maig address (t we awn or aperals Ma merdwd, or t we mailed you the sdkermnwt for the goods or savwes, at pecltnes are wvred regardless o (ft mmurt or loabs of pudose) Pwpmo. Send sty Yale parmt and to top parson of is aabnad in de r moo provided. Dons send ash. By m*q pr deck as deeabed above, you Kom= nil b use tdantobon an yaw duct b mdo an deaarra kid warder Ian your Nowd $1 00 srwtcd rlarkbn indrated an yaw dock or to process to paymd a a deck rrwcson N psyr omit is processed a an Wedm* kid sander, to bade wi be for Ow wgtfd on to d" Mm we use rfomislion ran your dock b melt an aleemoc knot rrstar , krtds away be woldrawn torn yaw aooawt as son as to srne day we receive your peymd, end you will not mcaw yaw d" beds ken your fxwxW nobtbn. The pooarrq d yaf poyrnrt may bur delsyed N you send cast, owespordam or otw Mani with y m pwpwt, A you and the payrnerd b wry adw address or gym use an erkwlope of ten to one provided Peoronb received n props form at our proonrg hday by 5PM local b me on any day will be a9dlad b your Acawtt n of 9W day P&pT** rem ad of as p sum" baday claw 5M local frrim will be mdbd b your Account as of to rod day N you have, maplooed your w abpe, and yaw prywd to Osaver. PO Box 6103, Cord Sreem, L 601974103 Paw slow 7-10 days for dAvery V yaw peyarwd s retuned wqW we reserve the ngh to mabrrtt d as an sleaawcdebd . You oan pay ym m onvan paynwt or a gseMramota t over the tekplom, and you can ad up anbnwaba psytrwtb. CM us of 1.800.341.2683. You will need to dolor rt rd your beak a00ohrt rimsbom You no arrive Oat *A mm kids are aetabte n your boric amowk and all role oWm must soapy watt U.S War. You wi be naked In ponds rte bat 5 dips d your mccom salwa t zip sofa By w4wq tea nerbrs as yaw eleaama sWAn, you will be agreeaq b his sulmulm b d w us and Vote bank to deduct each IwaMw YOU euMata Irani yaw bib aoooad, ard b mom debd or sect enrw b your bank wootalt, as applicable. ID oomdan era in two pocewq d such pwpwt You mud bl us to roast of each paymnl or you can soled an amid such a to Mrwmn Paynottt Due or to Now Bolwm an east sleNmatt You an arts! a payewtt however we moat noses nobar at last ties besows days in advrm of to sdmkkW paynar t You may no* to by Ono &I 1400,9474683 or by mM at the addrw toed n to paws pr4ph N yaw psyawta my vary in amnt we wild you on each nu ft slalanlrt wlwl yaw popert wA be made and how much d wA be YawAubnmw pop wu maw may be low ton ndcmW an to marry aWamd based on areft or paymnb qOW drip to bAbq cycle Cru t Rpatnt. We my report mbamftm shout your somas b aroW baeas. Lale peymenb, rrwaed paymw, or otw dstaft on your acimxw may be nteced n your ago report We nwn* mW to auks wW peyrrwt N" d pwAomra b credo npabq spends each math If you bskaa 1W ourreport s moom is a agartpbM plow warts , us at M Iolowng address: Dsoom, PO Box 15316, Wiwrgw, BE 10850.5318. Plow mclu a ym room, asses, hams takrphae nunbar and Aaoad amber PERIODIC FRIANCE CNARC#t. Perak Fn vm Charges we hpoad on d blrtsaa m swam do dote the Mmochm w poled b yaw Aooourt mtl to doh you pay 7m van Now Bolan, by malrng pynwhle or mon ng sash. !Hawser, N you !raid rte Now Arsons an yawpomm; b*V sWmi M by to Pagmwt Due Dan alewn an Out sidrrwt and , an YOU tpou a Now Balance W as al Payroart Due Dab an your apart b*g ataumat, we will no(npon Peroda Foam Owgu on mw prdeas, Mal s. Pecans fret splow" #w ft , you rA moan a biq *Wwn d next m th Md rAides Parodic Frwm Climes an fto now p own Thos o c . no pea period an balarhce trara fera or a h red a m. We am your trarwcrorur rib grape of purdism, cash advarm. rid balsm nnsfare and ton Ww eat Ma bansaaaro vitm each group by #wArrwtol Prom pa Role For exrrpls, purdwss rbpd b a pmwWW tale and p rimes sbpd to a standard role ward be wpm* paps. We refer b ttw Drape a bsnaebrt alopm At ft end of each birq prod, was axrpub bdwm rd Petodio Fiona C3nrges for each day at to bAinp p wad breach rannchm am" We use the folowrp egebn b ax" Prods Farm Omegas for ash bummed n olegay Average Body Belwa x wrber of days n to biro Prod x Daily Pwx* Rare. (You may roller to to trwm dwpe remwy an yaw bftq slalbatert for Mw w wo) Then we add up ft Periodic Frtam C h"m for each rrsecbn caleM b get to hard Parodic Fnwa Chrgn for Ym Acomod. The Averap Ody Odom s down a zero t, bomm d No pace period, no Pero From Charges apply ro Ow bdanoe in a Vreecbn m a pay. We use the Avenge Drip Balance (rtdadng new rraaawa) mOnd of a ulabq to baWm ups drdh we rlposs Pwm* Finrm Charges. We aatptda ONAvelapa Deily BWwm tar each rarsadtak adelpry by addoq wp d MB daffy balances in a b ft powxl for a Uaneaaah atagaty and *Y*q the b(al by to mordw ddays in ge WO aide ft am" go dimily balrm for each kortaaaan cdagay an sack day by het addrq to Memo b to prmw day's daily, bolrm' raeaaats made Mot day, few domed tW clay Fram Chrpas caned onto pwmw We daily balance. wd by than suMndeq any aedb and pr#mft ft are applied agora[ to I I c d to relamm augury on get ray IncWm"q tla doily bdrm forgo lid day d #w bikq Prod, we anrdar Me'provbts dsy'a balms' b have been yaw balm faeeoh rrwo m uM n to lest day d your povias biro prrod. to ranaeon s paled b wAmm otler to dosed to bihp pored n whdh d stars wows reef Ms miambon as hev- , ngox aWntofistdsydlebiropiedto*ochtispoledbyouAocont Al cb@Wjprq Acoost are added b to dwdwd pardon rrmcbm COOMM Moth Ore exce"m of CashAdvrm Tmsaciw Fee Form Chrpa whdh an added b to Numcrw aalegay and Balance Transfer Trwadon Fee Freroaswtsdh we added b to wpk Wb bWwm rarsk trrreadlarh aotagory. Whan a rate mpres we nova tiea ed bolrm d th b l k W 8 , p e s enoe w w end to 81rm TwwW Traneaw Fes Frwm CAwgn to the drAwd Rm t n rsresaorh colom Hwmw,, A do special rob has bean brmrood under to DW&A Rob Plan, m have its Urphl bdrm d to be(rhce wafer and to Belem Tra dr Tre w adore fa Fkwh am" or to "ho" twmcbon allegory wo Ms gocW rob wow haw *WW Far TDO (Ttlecar matatlao pals for the Da) ap"wa, phase ail 1414347.7440. Dfiww my nomdm ardra record WeOuo eels belwaw you and Dmover wasrmlives for gsity essence Pupas The Dsawr' amid is sand by Diwavr Be* Mrnber FDIC OITBK170 DISCOVER New Balance Minimum Payment Due $9,279.22 $249.00 Payment Due Date Jurre 5, 2009 10 SDSN6A01 0014453 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ ) Please make check payable to Discover Card or pay online O Discovercard.com. Go paperless and make your account Information more secure with password- protected statements only you can access. Learn more at discover.conVpaperkess. PO BOX 71084 Illnrllunrrllllnslrlnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space rr?r?lu? ?nllnnlnlrlnr?ll?nrlu?nlnl?nlrr?n?r?ul? above, or go to Discover.com. Print your e-mail address to I rrn receive important Account information and special offers. 000001986458215636511092792200400000024900 Discover More Card Account Summary Closing Daft: May 10, 2009 page 1 of 2 Account number ending in 6494 Previous Balance $9,439.34 Payment Due Dote June 5, 2009 Payments And Credits 400.00 Minimum Payment Due $249.00 Purchases + 5.99 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $620.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 finance Charges + 233.89 Cash Credit Available $62000 _ New Balance $9,279.22 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonus' Opening Cashback Bonus Balance $ 56.87 New Cashback Bonus This Period + 0.01 Coshback Bonus® Anniversary Month: August Cashback Bonus Balance $ 56.88 How Can We Hel YOU? I • Visit Diawer corn to pay your bill for no cost, view ur p latest Account information, earn and redeem rwvardsd more It's your choice - 3 ways to help 2. Call 1.8000ISCOVER (347.2683) for fast, easy "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 homing impaired) see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Uability Guarantee Use your Discover Card with confidence. D to Do b Payrnsaits and Credits May 6 May 6 PAYMENT - THANK YOU $ -400.00 Merchandise/Retail Apr 24 Apr 24 ONLINE GAMES POGO/EA WWW.EA.COM CA 5.99 68670265 904 Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fes Daily Periodic PERCENTAGE PERCENTAGE FINANCE F Balances Rates RATES RATES CHA GES ?? C ,current billing period: 30 days 'Purchases $948931 0.08216% 29.99% F 29.99% $233.89 $0 Cash Advances $0 0.08216% 29.99% F 29.99% $0 $0 'The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Great summer savings are just a click away) Earn 5% to 20% Cashback Bonus(R) every day at over 100 top retailers like Sears, BestBuy.com, and Lands' End through our exclusive online shopping site, ShopDiscovsr(SM). Just visit Discover com/shop todayl knportmat fatsr mellm M there is mare tan one page b Les bibg miter em, see the bacit death papa for addi6aiel tmportam inbnmabon. w $ee your CwdmaborApearmet Your CanlnrmberAgreanenlooaim all la Mime dyamAccount tat or atoloo cards. Report krrnhedlaWyh Call 1140116W411111 Burp Nlghte braary. In Case d Emma or OuulaaAbout Your OR If you lank your bR a wag, or I you need more nbanebon about a transaction on you bR, wke b us on a h f sepessiler s ost o paper at 30421, Selt Lab you no Isler flumn OD days ally we sent you the first dl on C d ? ? g am or poblem ap which Ow a You . Y a n W epha» us, but doing so will not tmerve your rg n. In your M W. On us lhe fol lowing • You name and Aoceu t camber. • The dollar amount of to suspected anon. Deearbs the error and a plan, n you can, why you believe Dom a an error. Nyou need more nbmratlm, describe the Awn you are wan about ? You do not have to pay any amore in quatlon while we am nveslipMYg, but you are ad ahlgaled to pay toe parts of your by tom are not in question M* we nvedgm your question, we cannot report you as ddnquW a take any actin b soled to amount you question. Spew Wdee far Credit Cwd Pwehaaea: N Move a problem wth the cituRy of goods or serviaa Inal you pudmed Min a aadk card, and you how trod in good lath to correct the problem with I* mwdmK you my pay to remeraq w on the pods mMm ffm price was n al t o o or and Int purchase was made n you horns mute or MI 1 00 m your mg aften . ( o n oper for th e pa he e merd or f we ffWW y goods u idrerhse services, all pordhmes am owered regardless; of the ammua or location of pu chem,I rot send cash, sending r s B ? bnm ibm on check b mak0 a alaM "k fund Wafer korn your a Yotl bAbn kdcaMd on ched or le poass paym t as as died kastacbm N payrnra M processed non dedemt kind Motor. the tiamfer wll be for toe arum d b dads. When we nee' ib.,*M ten you dock to mace an electronic kind Wafer, funds may be Wtlrdam km your account as soon as to sore day we receive you payment, and you wil not receive your dads back from your finardai ka0wibn. The prom" of you paynwn may be delayed t you send ash, mnegmdea or dlar Isms wkh your Faymna, 0 you sand to pWnW b any otm address or N you use an mwelopolivertmantheonel: , 1 ed. Paymerb reoseved n proper Arm of our poommi g faaMy by 5PM but lane on any day will be credited b yourAocoui as d Mm day. Peyranb groom" bcAy star 5PM ball time vA be aedlted b y=Awmtm d to6 mat day N you have krrplead your envwlga, send your paynwn b Discover, PO Box 6103, Card, Seam, tt 0974103. Plem allow 7=10 days for delivery Nyour p*nW Is rakairod unpaid, we mom to rlyrt to mubat It u an elaclrarc debit You tan pay your nl ftp paymam or a grealr amaMa over toe Waphoro, and you can act up amarnatt psynwkb. Can us at 1800.317-2883 You will need Sae aabmaM and your bark ammint nfomcWon. You must ensure tat admit Ands ore evdable in your bank aoceun, and d Va sadbns mat on* wilh U.S. kw You will be asked b praft the first 5 dgaa of your account etettanera ZP code. By aaak tote ribee as your aletbornc signature, you will be ageekg b tot ant ri a0on b allow us and your bank b decd eadn paymaa you autoacze kart your bank accent, and b tiW debit or aedt eMAee b your bank exeunt u applicable, b carted m error n the prooen. of such paymaa. You must laN us to ansum cinch peymam or you can select an amount much n #wMninum Pay amot Due or the New Balance on each staMrmot You an angel a Perna nk however we mast me" malice al boa hoe business days In advara of the scheduled payment You may nobly es by plow el 1.8"7.2663 or by moll at b adtsa bbd n to pervious paragraph. N your paymrMe vary In amount we will tell you on each monthly slMarwa whan your payment will be made and how much N will be. Your ehaonatlc perwrl amtUM may be less bon indicated on the mwft sW m nt based on cleft or payewhb applied dung the bWq cycle. Ceadh Rp- m VVe may report hbmatiom about yorammW %erect buxom. Late psyrne ts, wined paymata, or odor deWft on your acaoud may be relledad In your credA repot We nomla?y report to sMtirs and paymam Mabry d yourAccou t b a** reporft agencies each month. N you blare Oct our report It inaccurate or bmonpbte, plane wee us et the fOMOYAIg alkkeu: Discover, PO Box 16316, WMni glen, DE 198546316. Pane nckde yourcam, micros, norm faphone number and AceauM camber. Grew Paled on Purchases (at knat 25 dsya? Wa begin b repose Periodic Fsarce Charges an all kaaacli m from the Trarmadon Dent for to it ncisom a shaah on your bang me wont unes a Weedlm Is paced b your Account aAer to does of to bNttig period n wench A occurs, In which an we begin b npoe PeclDtNc Pam Charges on 1* baaadbn from to bar day of to billing period in which k is paaMd b your Acmtx t lib confirm to ipose Periodic Finance On" ant the date you pay you on" Now Balance, 11 by pri- M a m sift , However, I you pad to New Bebnce on your pravbu billing malsoard by toe Papnest Due Data shown on Ohm bpkg sMMnaM and you pay t N B P la b o ew a cros y ft epr*m War Dab on your aara t billing aaMnaM, we w0 not kpae Fariodic Fiance Charges on now purchases, that M, padhnn bal apparkg on the amen falling d* mrht We ak to the grace perW Then M no grace period on balance tra stem or ash advances. k1 Frame Charge. We will charge you a mk*nun FRANCE CHARGE of $ 50 for any bpkg period in which Periodic Fiance Charges of Mu than $.50 would othermse be irmposed AawW Fm t your Account hat an anus fee, It will be billed at to begins g death milversay year your Account is open. The amen of b be appears on the sbMme t when the be is bad. The ankrl be b not refundable utme you noafy us fat you wish to dose your Aomko willm 30 days of the mailing or delivery date of the alatement on which On fee a tiled. You will noire the nkind even Iyou use your Card dung that paced. Periodic Finance Chalgn. We eon yaw Varv actions keno grape of purdnnn, ash advances, end balance Wild rs and tomb krther sort the baraatlea w+tlnn each gnoW by example, purchases su? their k b a prmmlbrai raft rut purchase x*d b a stabad nM wound be separate groups. War rofa b Mesa groups as Mp r At al and a paled tlorh lling mffpA and Perlodic Fnena assign for each day of Oo billing period for each baaadcn ategory . We use the bAowag egnakai b corrplaa Periodic Finance Charges for each kaaadmn calegory (Average Daily Balance) $mn (dogs in b*V paled) times (Daley Pandit Rate). (You may rater b to trance duals ammary on you billing sosMrram for them anoint.) Than we add up to Periodc Fiance Charges for each hnsectim calagay to get the MW Periodic Fiance Over" for yourAkxoua The Average Deyr Balance is shown as zees n, beaus of the grace period, no Periodic France Charon apply b to balance in a We?P* Balance P&mii g new tramodam) meted of caloulab g to baW" kpm afsch we repose Periodic Finance Cheryes. Wa oonpute he Average Davy Balance for each tralraclan mum by adding lip art the dally balances In a billing paled lira' III, cebm and d vbm to but by toe number d days n to WV paled We tornpte the dally bares Ace'sech tramacYam ategorym each day by Ara adding b following to to previous day's duty bdw ce* bamactlom with a Tmrd dam Date of that day as mom m yea bOV aM wnoK tanma Ina Vw4KOorn is posted b youAmM atlar b dose dtoa b*g period n W th A ocmis, n whisk ate toe baaaclm w1 be awed b the dally bolanc?e n d 1st ken day d to W g paled n wft k M poMM b yourAcowK bn dinged #M day and Periodic Finance Charges moaue l an the previous days day balance; and by than shbkac" any ore If and prymano tat are applied agmM 1o balance of to braxbm category an the day. n cola nsbrg to defy, balance for to first day of the oiling paled, we consider to •prewous daft day, bdwvW b have been your balance for each transaction category an the lea dry of your previous bhbg pedod. AN lea dwpd b youAmM are added b to standard patches kaurJlm coloQo7 win to aaotpton of Cash Advance T ramadim Fee Finance Charges wince are added to the applicable cash advance Varesecoon categoiry and Balance Tm*W Thmnsaclion Re F When rie yodelnn sxI - war rr" the unpaid balance, tad balance iamMr and l st Belrce Trander Tmnxlon Fee Fnmm I Hamm, f ft spacial raa lam been leranrlalad u1dlr to OeW Rob lettan, we lava b upend bola ne d t e bsarla kaaand the Balance Tim Trarmadim Fee Finance Charges In the applicable balance taster liars scom aMgay unt to special rate would have MOW. For TDD (TNaoomnmbaprs Dwice for Ito Date) amidumah pleas all 1414347.7149. Discover may manor endfor record telephone ass btween you and Discover representatives for gtoily aeaarme pupces. The DMomw* card M bald by Discover Bank, Member FDIC. OITBK171 DISCOVER Closing Date: HEDGE, VIRGINIA M t? ?? Account number ending in 6494 May page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: August 10 Balance Previous Cashback Bonus Award Balance $ 56.87 Purchase Award This Period + 0.01 Cas ac Bonus Award Total 56.88 Cashback Bonus Award Balance 56.88 Award Available to Redeem $ 56.88 8543904 Reshictions apply to Ih4 Coshbaek Bonus Pad r Offersvisit Diseovwxarn or call 1-800-DOCOVER (1 .800-347-2683) for =ions program 3s, we the Cashbacc Bonus rogram Terms and Conditions. New Balance Minimum Payment Due Account Number ending in 6494 DISCOVER $9,579.13 $504.00 Enter Amount Enclosed Below Payment Due Date $ July 5, 2009 Please make check payable to Discover Card. Minimum yymment dus includes a past due amount ofpS249.00. 10 SDSN6A01 0014454 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Go paperless and information more secure with passawoord- protected staternents only you can access. . am more at discover.comlpaperless. PO BOX 71084 111 11111111 CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space lulrllnlrrn1Jlunlnlelrnrllllloll rrlulnllnlnlulrlnll above, or go to Discover com. Print your e-mail address to receive important Account informaFion and special offers. 000001986458215636511095791300000000050400 Discover More Card Account Summary dosing Data: June 10, 2009 page 1 of 1 Account number ending in 6494 Previous Balance $9,279.22 Payment Duo Date July 5, 2009 Payments And Credits 0,00 Minimum Payment Due $504.00 Purchases + 60.15 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $320.00 Balance Transfers + 0 00 Cash Credit Limit $5,000.00 Fi -. Charles . + 239.76 Cash Credit Available $320.00 __ New Balance _ 59,979.13 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback SonuSe Opening Cashbock Bonus Balance $ 56.88 New Cashbock Bonus This Period + 0.05 Cashbook Bonus Balance $ 56.93 Cashback Bonus& Anniversary Month: August How Can We Hel You? p I . Visit Discover com to pay year ba for ne cost, view r latest Account information sam and rerkern rewards and more It's your choice - 3 ways to help , 2. Call 1.800-DISCOVER (347.2683) for fast eas self-service Please have your Discover Card available. , y options or to speak with a Customer Service Account Manager !For TDD (assistance for hearing impaired we reverse side ) 3. Write us of Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $o Fraud uablhy Guarattse Use your Discover Card with confidence. s. P Dab Daab Menchandae/Retanl May 14 May 14 ONLINE GAMES POGO/EA WWW EA.COM CA $ 21.15 6897008 9 01her/Mis coneous Jun 6 Jun 6 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., r`d Charge Summary Average Da Doily PP Yd Nominal ANNUAL ANNUAL Periodic Tranaacfion F B ily ic RA E AGE PQ AGE FNANCE o Rates T S ? CF1/?[CES current billing period: 31 days 'Purchases $9413.81 Cash Advances $0 0.08216% 0 29.99% F 29.99% $239.76 $0 .08216% 29.99% F 29.99% $0 $0 The rates that apply to your Account are ether fixed (F) or they may vary (V) as noted above. krportat nkrra I c . I foe is more Ow one pope b des biting atalrnerit, sou the beck of each pope ter addillorwl urpomwa nbnhakon. see your CarbmwabwAreons rt Your CadntanberApewrmsrd axhMkms aN lms leans d you Account. loot or stolen cards. Report hnme"lil Call 1•At0.34 -Ma BOM Nigh is suaarmsry. In Case of Emss or OueseaaAbout Yaw BW 0 you M yaw bill a wrong, «I you need more kiafnhetim about a Vivisection on your bl, wrier to w on a g separate dmslt of paper al Discover, PO Bar 30421, Sek lake City, UT 841300421, ore som a possible. Wa not hew hm you no War than 60 days atiw we amt you the first bill m which the on or prabbm appewad. You can Woo" w bid doirrp so will not mum your rights. In you later, give as the bbwnp hdamnelon. t Your norms and Aaourd ranrbw. The dolr mums d the scapecled *a o • Describe the error and erphin. I you con, why you bdm here a n am. I you need more krbnuft , desab the ken you arms ahwwe Moot. V You do not hoe b pay any emawa in grrwbn while we are kwaidge , but you are cal abitpeled to pay the pots of your bill Ihrt are not in question. WW we swatipole your graslim, we coact repot you a delnWW or No any rdal to soled to mint you ghmsseorw. Special Wile for Croft Cod Prrdaas: I you hove a problem wilh lms quality, d goods or services, fast you purchased wikt a credit cod, and you have bad in good W to correct to probiern wN?h the roodwl, you may not have to pay fro msmrdnkq mr4u d due m to goats a nWm You have ft p>tadm orgy who Ira pudree pine era more twh $50 erd fo prbm wa made n you hmmo sMle or wham 100 mks d yaw meting address. (I we own or op o the mwdmk a kwb coded you fie adwerblenwd ter fu goods « srvias, all puscros are oovwed repodleas of the amour or location c(purchase) Paymmuft Sid aiy yore peW&M and the lap pohlbn of his atalrrhed in the envelope provided. Do not said cash. By aerdng your dmsdr as doorDed above, you aahorQS us to use idorrnakon m your chms c b make v ebckonc lend tomb horn yea scum at the l a r W nstkAbn We" on your dmsdc or to process the payment as a died toracthon I pey airs is pooeaed as an !IlCbar ip knot karala, the kalMfw will be for the mom of Ims do&. When we use niorm,dim from your dwcir b make an akvoiv kid vansler, crude may be wifrdrawrr from you account a soon as to sere day we receive your payment, Bid you will not receive your d" bad from your kw ad kmoscai n. The proceeskq of you psyriere may be delayed Iyou and ash, oaretpoMahce or other them wlh your MnsK I you said M p loom o any other address «I you use an emwbpe other tmsn the one provided. Paynmsda reached In proper from slaw proceeekhp loft by 5PM local fine an ay dry will be credited to your Aooout a of lath day Payments reosived at err prooseelrq ?y aler SPM teal In will be «edMd b yorrAconct a d ors nod day I you hove ralepboed yaw envelope, sets your Wrism to D-. PO Box i , N /0197109 Plow slow 7-ilfdeya for calvary. Iyorr payrreihl a rsknhed urhpefd, ws receve tlhe ri?h1 b raerrbinit k a en eledraric deba 6103, Carol, Skeam You cosh pyyour rrckhknUn pyrrorf err a W*Mw anent owe ft M ophorek and you con ad up acorn k peynwas. Cal use at 1.800.3474883. You will reed dawbNrned ad your barhk accout YdorrhWim. Y o u mmarl arvan OW suakciaa bide an a w T a N e in you bank awwra, and a l l anta ", 1 mrotcornpy wlh U.S. hew. You wl beaked b provide tims first SdiplbdyawaoowaasldoneraZPoods ByaaerM Mmmanbomayorr6o*onlceowkn,ycuwibeaproiv%Dft, k im", loolowusandycurbnkodeductach paynwa you a Mon kam yw bw* ac=Nt and b Wkte dobk «aodk nobs b your bri samu , aapoi*b, b Wired an error n the pacaerrh0 dsuvh psymed. You must NO es ems anent death pryawrt «you Can setae al onaaa such as to Mrwawn Paprwi Due or lms New Baance m each s% m K You cr cendel a pMwt however we not reodve nobs at kcal Thee burner days n edwae dfo scheduled paynera. You mhry nobly ems by phom at 1800347-2683 or by mal at this address mail n fie previous Paragraph. I your papaarhb vary in amour, we will tale you on each awft sMMnrera when your payment ad be made ad how much it will be. You adon o k paymhra anhoua may be less fmsn kh I - l an lms mmWy MrerneM based an craft or pop as applied dreg lie blkq cycle. Credit Rep - 11 @ Mle may spat kdanrl on dxyA your accara to credit ixasarar. Law peynwat, crossed paynwas, or other data& an your smug nay be reAeded in your asdt' report. Wle normally spat b NOW and piyrrwe hWory of yaw AcWUd to aedk repaliq aperrJee eecfi rtoMh I you bafeve tlhr err report M rheoawaM«InoarpbM, pleas awiM as aft forowirq addrsea Di oaer, PO Box 15316, Wlntegbn, DE 198505316. Plaeese Fwlhde your nenms, address, lortms Maphhorms aanber and Accaart mambo. Greve Poled on F rdrasa (at bad 25 drye). We bags b krpose Periodic Frwhcs ChoW on all benaclahs from to Tronacbm Dote ter to tlrlaadtan a slim on you bong dalemaa uiae a tralMedon b paced b yawA«rouA alter the dose d tms bkWq period n which Kamm. in which sue we been b impose Ale Fkwoe Chops on fW karsadar loom to trot dey of too bunt prod In which I Is posted b you AacanL We olndnus to impose Polack Fnmoe Charges urd tha dew you pry gar on" New BYanoe, by mekkg p?yrmrMa a However, gym Arid gas Now Bdroe on yard pevba bllkg sMbnrerdby fms Payrnra DAN Der show on hl biig ?MMhroM od you pay the New Balance ft yaw oared b*V ewMnaha we wi not irmoes Periodk: Faeroe Charges on new purchaw chat is, purchase td apperlnp on the amass bblp sMwrwa. We Cal taa tms'gmm pwbd.' Thee b ro grace pwW on bWwco bade a rmh advahcea Mnknum Fkwm Chrge. We will doge you a mirir um FtWICE CHARGE of $.50 for any Wig period in which Periods Fnncce Choges of less tarn $.50 would otherwise be WWW. yur yo Amaart b cim. The omw d the be appesn an the daMmaa when ties Arowd FO ? arn b riot rehrhdeWe uYesc gar no* a tlw you wish b does ywHr Acooum be ie bilied. The the malrg or delivery saw of the slalemerd on which the be is wift 30 deYs d bled. You will receive sae relad even I you use your Card dwklg that period. Pabrle t4rhareoe Crates we wrt year trenesworms nbgraya d purcheaea, cashh advarhoaa ad balrhes testers and then tow tart the karaacdors wifan each group by thakAnrwd Percentage Rats F« example, Dhrhdmskse subject b a promotional rate and purchase mrkyecl b s si dard raft world be sepaale groups. Mle rater b these groups as lroreeabn caMgoria. At lms and leach blip prod, we ox" belmose ad Periodic Faroe Ciwpa for each day tithe blin g parted far each baroadlon category We use tiha MMft WA*b n b compute Periodic Faeroe On" ter each transaction category ' (Avsraga atiy Bdwoe) dines (days in binp polod) drives (Doly Periodic Rob). of tn ? the Per Faroe Chogea f« each WaroaWar calogay b got the WU (You may color to Fierce ft ? ce, chop sixisirmay Aoo The on Average Daly BaWroe down a wmu K) Tbeicouess W we add Chair" for ymff grace period, no Periodic Fkwra Omegas apply to the bebnce n a 0 oMi0 04 We tare Ow Avsmpa Daly BWm (ndudirq new banesdlorra) nmscod d calaAaMq On ba sco upon which we rnpae Polack Fiasncce Charges. llae compute toAvenge Daily Believe ter each fwasclih category by addkq up ale the dally beMnoes In a biking period la a haaaddm category arc dwdinp the Octal by the rawhilaer of days In the W" period. We ovrrpula the deg balance br each kararad' alepay m each day by (led sftq fms blbwahg b the pwhora days holey balance: kanswdione wgh a Trw adim Deb d t o day as dhow on your bikq eblsooK laiea fa krauc tim ar Palladio yourAWara akcr tlms dose d lms biirq period in which town, n whdh core to beruactim will be added b fms dally' I i as d fro trot day d the bikq palod n which k b paled b your Aovouc, loo ddrged cwt day and Pabdo FTnmcs Chrges samied m to previan days daily basics: and by then subbadahg eery credits ard paymaa cwt acs applied agarat to balance of the Mar apart cdagay on cW day. In aiccaaahp Ow deiyr tmslechce for the fad day of tms bkiq period, we vaWder the'preNaar day's it* bdwrW to have been your balerhoa breach korwaiorh category on tims hid day of your previous blkg period. AN lose charged b your Aaaura are added b to sloded prchase boaadapl category with do exaepli m of Cash Advaroe Trans cim Fa Fkwhce Chalga which are added to the r which am added ID to applicable balance Waller to Woo ratsopkes, era mowilhe andWe ragW bdarhve dims bdana lnrufa Balahvs TrarWorTrrhaeclion Fee Fko OwgniDlesbnftdpidmekwascimc#AM. However, I l he special rab has been MnwhaMd urderthe Da" Roe section, we leave ft updd balance d tims belwroa Water tmsad Bdaoe Transbr rraectm Fee Fihahce thnrges n l o oppkabls hlMlldt twdw hmactm ca%M teak dims spwW rab would have arpked. Far TDO (TMeoonvowhatlma Devbe for VW Dap assmo wee, Own oli 14"7.7448. Dhoova my naxib orator record bbplorms calls between you and Discover nprseeritsim for quality eseurencoe purposes. The DadawO acrd is issued by Discover Bank, Member FDIC. 01TBK171 DISCOVER New Balance Minimum Payment Due $8,932.79 $244.00 Payment Due Date August 5, 2009 10 SDSN6A01 0014455 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below 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 only you can access. Learn more at discover.cornlpaperless. PO BOX 71084 111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changet' Print change in space Inlillulnr?rllnilnlrlrrrllllnilnlrrlullnlrr(rrlrlrill above, or go to Discover com. Print your e-mail address to receive important Account information and special offers. 000001986458215636511089327900525000024400 Discover More Card Account Summary Closing Date: July 10, 2009 page 1 of 2 Account number ending in 6494 Previous Balance $9,579.13 Payment Due Date August 5, 2009 Payments And Credits 875.00 Minimum Payment Due $244.00 Purchases + 000 Credit limit $9,900.00 Cash Advances + 0.00 Credit Available $967.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 228.66 Cash Credit Available $967.00 New Balance $8,932.79 You may be able to avoid Periodic Finance Charges, we the reverse side for details. C*Abmk BmuSe Opening Cashback Bonus Balance $ 56.93 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance $ 56.93 Cashback Barrus® Anniversary Month: August CONGRATULATIONSI Your Cashback Bonus(R) is wailing for you. Visit Discover.com or call 1.800-DISCOVER (1.800.347.2683) to redeem. How Can We Help You? 1 Visit Discover cam to pay yarn bil for no cost, vi.w youand r latest Account information, earn and redeem rewards more It's your choice - 3 ways to help 2. Call 1-8004DISCOVER (347-2683) for fast, easy sehservice options or to speak with a Customer Service Account Manager Pleose 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 Payments and Credits Jun 19 Jun 19 PAYMENT -THANK YOU $ -350.00 Jul 2 Jul 2 PAYMENT - THANK YOU .525.00 Informafkm For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Coshbock Bonus for a $25 Bed Bath & Beyond gift card. 8543904 MWNWd inlorifteli . M there is mcra Van are page to Vii bite dMeffar t. see to bWd of each page badMmW nportanl k m bon, I Sae your Cardrno',m AWown . Yar Cardn wdWApamwt cmWm al tlo Wen d yar Acoort. Lod orebbn coda PAW humdatelyl Cal t-I00JI 4U ee ae?hWdlusaaffj? In paper dDDiwso?d BoBox33042?1 SollLaamCllr UT84It130you .0421 1a mob w?ipoaa qde or .Ykraneed hrarMomyyounoWar thenn 60 days oW we?sortyouWthe?dtlon g which la afw or problem appeared. You an btephons us, led doing so wil raw preserve your NW. In your War, gW us rib b bwrQ k*mwbm: • Yaw none and Account mwn1w • The dolor on" of to suspected are. • DaaEa the a= and upan, t you cm, why you bWkva there is an am. lye, need mac kdar aeon, desabs as Kenn you arc uaua sear. You do not heft b pay ay amount in gt"on while we n nvesYperhg, bat you are all obkpaled b pay le parts of yaw bi tat are not in qurolon. Whie we nvesegsta your pastm, we cannot report you as d*q M or take any acorn b who to amonrr you auulon. SparbdRub for Craft Cod ham appmbi nwilhlugiftdgoodsaserviceariatyouMchesedwMhaaadtcard,andyouhavetadngoodhnboomw the publion with the mwdmK you may no(haw py rsmekrig m out due n t a goods or wvicea You have Mtn proWJm sty whim rib p nth pots was mac rim $50 and to purdase won made in yaw horns stab orieft 100 mks dyarmafwg address. (Vwe own or operahe be narchort, or l we maled you do xWoorr ant for the goods or aervbu, r pudwu arecw&W mgwdbas drib wnaut or batlon d pudwe.) Paywansa. Sind only your pbynwt end rib i p portion d rib aaanaM in the walope provided. Do red sand cast By sending yaw check as descried above, you a *otm La to p kdmnolm lea prod clack ID mob aMod tonic leis tenW w! bayourbrrie urs at drib dads Wlan wb wdarryotir tpn a b goaa t a paymet se a dads towctim. kinds maybe wirdrown tram yaw somW as Boon a la same daywb realve your plyrrel, and you wi not neat a yo rcod t adk pbanncial ialYmm. The processing alyo r psymanl maybe delayed Vy ou sod cash, cweq dm or other lrfa win your psprrM, V you Bend No psymant to any other add re, orl you use m envelope olar Van ft one provided Pymwt neoded n proper brm raw p oomg b ft by 5PM teal one on any hey wilbar created b yburAaaorwtu d tat day. Pia reoslved r our prooee?g WAlly rW SPM kcal lone wilbar u"M b yawAcaoud as d rib naddw W you have mpkcad yo wanvalga, sand yaw prymwt b pNcyro Pte Bat 8103, Card. 3aeam ? 601nou 03. Mesa now 7-10 days fa delvary Ifyour popwt b rok nod rnpad, we ne arve rie right to m *d l as an sloctadc d9k, You can pay yaw mirror psynwta s WuW ~oar the telephone, end you can act up subnalc pays arts. Cal us at 1400347.2663. You wil red In rNrnot and youf bank accord irbrn eft You mat a acre the uddentMuds n aval" n you bank accent, andal tau chore must amo wilt U.S. Mw. You wl bar Wad b prodder les Gel 5 digla d your ocaadatrere - ZP cods. By anteing loan, mortars u your etecratc sigralre, you wil be agraekg b On anhoriralm to rev us and your boi b deduct each payment you aWviae tan your bo k somu t and to noble debit or credo envies b your bate acc=P u gVkW a, b comet an am n la poosaWg Bauch pwpwtt You mur W us the amount d uch payment or you can select an amount awh a the Minimum Pywwt Due a to Now Baler a n ash sMasnwOL You can cancel a prp arh however we must receive nola r bW lose naMme days n advernoe d the scheMed payment You may notlly us by pons at I-MU7-2863 a by mar r the adiels kid n la pravbus pens ph. l yaw paymana wry in entail, we wl W you an each nmft owned when yaw payment wil be made and taw mush I veil be. Your adarolc payment arnord may be Ives Van mddW an to ra" statement baud an craft or psyments gOod dung la ping cycle. Credt Rpoe ft VW may report inbmalion AW your account b credit knots. Lab payments, nksed payments. or other debuk on yaw socatn t may be traded in your pedt rpat war mmaly report as eWus and payment 6 d yaw Amonww b credit rope" agencies each modh. V you befeve IN our repel Is moccasin or ncorrpab, please wrtle us at to blowing addruw Diaaver, PO Bow 15311, Wlniglon. DE 198505316 Passe k dote yar mms, adieu. have Wsphaa ramber and Acau t mortar. Gnw Paid a Pwdh (r tar 2M *p), war bspm b nposa P*b* Fiance Chnn n d Mw4KIian torn Vs. Tmmod m Doe ter Vs. toaa 11, u shown n gar big ob erwt, uasse a toaa ., Is panted to yotr Acaad Morris dose d to Whig period in which I assn, In which cane we begin to impose Perradhe Few Chrgu n dw Moaeclon tan Is Ard day of to bli g pared In which t Is plod b your Account. We om*wer b orpoa Pabdc FYwas Cheegu ud the dab you pay gar otb New Belence, My malw+p paynwts or racahtg peak. Hmwer, t you paid rib Nw BoWa n pnvbus bong abb=ot by Va Paynwt Dus Dab sawn n Vat bang arorwt and you pay Vs. New Belrta by la Paynwt Due Doe on your awnnt burg Ronne, we wi not opus Pabdc Fkwhoe Charges on new pudeau, tat is. purchases kd appewg an the owns bubo Warrant Ws can Vu la'grsa prod.' Them is no grace period an bald nce transfers; or cash advanom hen neWbumna Chagos W owl dh age you a mnirm n FNANCE CHARGE d$.50 bray bikg period n which f+abdc flrwhoe Charges dbu #wh 5.50 wand otherwise Annual Fora. If ya Accout hoe an sear fee. I cal be bled at the beginning clench srrrtvaraa y year yourAmnt a open. The cornered d gel In appears an to sbWrard when the fee is baled. The Knoll be Is not rekendabb utus you nody us lW you wan b dose yaurAcco rd wr7rn 30 days of the nWbg or drluay deb of the sbWwt on which the In is bled. You cal receive tit mW aver t you use your Card dung lei paid. Periodic FMurna Charges. VW sort yaw taaadone nb groups d pwdasa, dash advenoea, and babrnoe taafare and rim Mrlar sort to toreadors win each group by IMNn d Paanlega Role. For ewsnphe, puchesu shod to e porhohmal rob and pudaase Mind to a da Wrd ore would be spank groups. We reler b lase pups as ansocion cabgories. At to and d each bli g period, we arnpwe balances and Periodic Finance Charges for each day of to baling period br each taraecan category We use nor blowing owelon to c mpirb Perbdc Fnm Charges ter each lea satin crsgay: (wasp Only 8slnoe) Wow (*a in bhig poled) Was (Day Periodic Rai). (You may re* %D rice fwvrrs cwga nwanery on yaw biwg s abmeM browse orouts.) Then we add p as Pabdk Finahos Charges ter each MKaadonh cawgory b gar the bell Podock Fnanoa Charges for yo rAccanl The Average Daly 6aWncb is down a zoo t, beaus of to grace period, no Periodic Finance Charges apply b la brance In* weft umam6 lp aaWnoa (ndrdi g new tanaclona) melnod of mb YmtbV the butane upon which we impose Periodic Finance Charges. Wa aonpule to Average Ddy sawn ter Saco taroec, cregay by adding up r Vs. delay bW- n a bbg peed for a hnmlon ca%M awl &ift the bW by rib amber efdays n to bilrg period. We am" Ice delay baiance br each hinuclon category an adh day by first adding the Mov ng to to p wAm day's dry boom trorooiaa with a Traaaein Dab of am day as shown n )err baWg raternow, nrius One tare acln b posted to yourAaawt aher la dace d la bthrg period n which I oo- n which due la tawclo n wi bar added b ne dry bok nce u d to ter day d rib bong period n which I b pooled b yaw Aount lea dnarged nor dy and Perbdc Finance Charges nomad an la WeWm dye dry brown and by Ian vAIa clg any weft and prpwts gat an appled against the bebnce aria tantadron category on nor day. in alaisbg la duty bdwm for too 69 del of toe blkg paid, we carder to •pwiaa day`s duly bdwW b how been yaw boom for each Irsuclon category n to het dy of you previona Whig poled. y Al Ise caged b ymwAccom we added to the ebrn I padwe twaKUm category can la owapkn dCaah Adwta Tfm=cdm Fee Ftwm Owgu Mft n smw b om w0 cable cash advance taneac m category and Boma Two* Tranedin Fee Fiwhoe Charges which we added to nor applicable balance Manow Inu aebn comm.. When to spear nab spice, we mow rib nwpeld brarna d la balance beer rid to Belmar TrorsW Tare aclm free Fiance Barges b rie slrndord puniwe to suction category. Fbwaver, I to paid fob hen ban twenated under to Do" Rob seclon, we ism la uprd Isionc.e of the balance taster and to BeIvu Transfer Trio sedim Fee Fiance Charges in to apgkabb brans border tnrwolon coMM hdi to Wecid roe wotO have wood. For 7DD (Trawmmniatlora Oavks for Vs. l1W) nskbna, playa car 14WUT•7118. Discover may nadir OmW record Wephime cak between you and D=over represetnbtlras for qua* assurance pMpos". The Discover' card 19 hued by Discover Bari, Member FDIC. OITBK171 , DISCOVER It peysto HEDGE ,VIRGINIA M Account number ending in 6494 Get added security with no paper trail Make your account information more secure with posaword•protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. (losing Dcft: July 10, 2009 page 2 of 2 Finance Charge Summary M -*ive a 1.90% APR on all purchases made at Travel Merchants through 09/10/09. 33??? Daily Periodic Rate: Average Daily Nominal ANNUAL AG Transaction F Dad E RP ENTAGE E F* FINANCE s ? TES RATES CHARM CHARGB ,current billing period: 30 days Purchases $9277.22 0.08216% 29.99% F 29.99% $228.66 $0 Cash Advances $0 0.08216% 29.99% F 29.99% $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). 02009 Dnicwer Bank, Member FDIC DISCOVER New Balance Minimum Payment Due $8,871.35 $242.00 Payment Due Date September 5, 2009 10 SDSNM01 0014456 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ L.- . Please make check payable to Discover Card or pay online 0 Discovercard.com. Go paperless and make your account information more secure with password- pprrotecfed statements only you can access. La rn more at discover catnlpaperless. rl?ssrrrrl???srs?r?rr? PO BOX 71084 1I1s1 CHARLOTTE NC 28272-1084 Address, is-mail or telephone change2Print change in space above, or go to Discowr.com. Print your *-mail address to receive important Account information and special offers. 000001986458215636511088713500300000024200 Discover More Card Account Summary Closing Dob: August 10, 2009 page 1 of 2 Account number ending in 6494 Previous Balance $8,932.79 Payment Due Date September 5, 2009 Payments And Credits 300.00 Minimum Payment Due $242.00 Purchases + 11.98 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $1,028.00 Balance Transfers + 0.00 Cash Credit Limit $5,00000 Fiance Chagas + 226.58 Cash Credit Available $1,026.00 New Balance $8,871.35 You may be able to avoid Periodic Finance Charges, see the reverse side for details. C tshback Bonuse Opening Cashbock Bonus Balance $ 56.93 New Cashbock Bonus This Period + 0.02 Cashbadr Bonus Balance $ 56.95 Cashbock Bonus® Anniversary Month: August How Can We Help You? 1 • Visit Discover corn to pay your bi for no cost, view your P latest Account information, eam and redeem rewards and Moro It's your choice - 3 ways to help 2. Call 1-8MDISCOVER (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 Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Jul 26 Jul 26 PAYMENT . THANK YOU $ _300.00 Merchandise/RetaE Jul 21 Jul 21 ONLINE GAMES POGO/EA WWW.EA.COM CA 11.98 69991295 Information For You This month, the featured Cashbock Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card. Finance Charge Summary "Ieeive a 1.90% APR on all purchases made of Travel Merchants through 09/10/09. Daily Periodic Rate: 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 $8896.15 0.08216% 29.99% F 29.99% $226.58 $0 Cash Advances $0 0.08216% 29.99% F 29.99% s0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. kWortad Mdamadw. ttherele more #= one papa b tea bi i g ablonlA, we in back of each page for adriliurel arporient kb=bn 8w yourCrdmw9wAprw wKYurCa6nemberAgr armntcadawdIreler=dyerAccount. Lod or stolen cards. Report Irwedlele yl Cal 11"T•2013. ON% RIpMs lgnaary. In Cue of Enore or Qualm About You M, M you link your bill Is wrong, or l you need more kftmd n sbout a kwwcbn on you bit, was to us on a 8 seperab avast of paper at Olaoover. PO Box 30421, Sal Lake Cy, UT 11+1304)141, a aeon a pos". We nest hoar hum you no inter ton 60 days elw vos art you to lrr bill on w11d1 to wor or prablan appmed. You can lelephom us,1xA dong so will not pressrun your NW In your tiller, give us the MOON kdomrel m: • Your mnhe aed Acm A raanber. Theddlrarm untdtonhepeciedamor. •DambetheworandepYin,dyoucon. whyyoubelieve t1!knans..HyounandmoreY woullmdaeaberigbmyouare won about. You do nottwrebpryamywantbgxaftwhile wearekwaligallig,butyouareadobipaledbpaythe prhdyoubill tutarendinWe".While weWaa tipisyour gtaum, we cmd report you u dot qmt or We amy aclon to hxlled the w aad you qualm. glacial Rule kr CPA Card Plachnn: l you have a prabtan wit the quay of pads or wrvicw that you purdarwd with a crack card, rd you have fled in good bbl to cond the proMern hwto the mwdmrht, you may not have b pay the senini ft arrqul due on the golds or wrviose. You have file prolecUn ody when the purl aw price wu mom tw $$D and lie purcheaa vaa made n )ar ham stab or wk* 100 mdse of your r al rig address. (t we awn or operate to narc han4 or t we railed you the advrownted for the gads or services, al purdtwes are ovived regardless Brie a noW or balm of purdpw.) Paymals. Set! ally your peymnt and the lop porkm d Ws dabmnt In the awebpe provided. Do not wrld cash By sanding your chhedc a dwcrbsd above, you authorize us to use idormaon on yaw do* b mane an dactadc bid Vernier from your acmurt 01 the *WXW kWAUUant Yrdcabd m your d" r b procew tr PftMV es a 0110 1rr4odim. I payment le proonsed a an sledrrlc krd brabr. the handler wil be for the wnant d 1* deck. Whn we= k mmbm Mom your dreck b malce an nbctrdc bar tamer, km& may be wtlttrawh from your scoarA as som as the am day we raarve your payrnoK and you will not remit your wreck bads from you kw*W eubbrYon. The poouakg of your paymanl may be delayed tyou sand cash, aarupor4m or odw lien YA your payment, l you send In payment b my ot1 addon or l you, u n an anvebpa old trm tb am pm* d. Peymamb mWM in phaper boo W ahr prooawag bdRy by 5PM bcal boo m wW day col be redibd b yourAomurd n d that dry. Papteds modved at our goo )city dw 5PM kcal *a will be oed led to yourAcoW as d the next day, l you have mI l laced yourowelope, sand your payment b Dlewm, PO Bar 6103. Carol, Slream, k 60197$103 Plan slow 7-10 days for d*ay. l your payrmd is rebaned crow we mum the rIgA b mu bnl it as n ellswodc debt You eon poy your Ialdaam pymerA r a graabr arwmtovar tM bAephm, end you con set up rAwd& pWnw b. Cal us d 14"7-4683. Your col need tle dilw d rid your bank ocean I ftnoft You must gnaw to aullclW bids we available in your bank sccouA, and al tarsaclom must amply wMt US Im You will be ubd b provide to Ina 5dipbdyour som AadwmtZIPcoda ByrAwbgthose rawbesesyour electron)signakrs,youWdbe bdesautadnimbdwusrdyour britbdedudeach peymntyou sudwrin Morn your bark scowK rd b Whole dell or a" wnw b you bads KwuK n=b oared an am h to prooeelp d such prprld You must td us to amaUA Basch psyraw or you can soled an arwu d such a the kidmun PsMW Out or the New Balrm on each alelem nL You con nnoel a paymrtk however we mud laceiva noftot bem lass buakwa days h advance drier t ladled pepwil You may mtlfy us by phone st 1100,M7-2663 or by and O the ad I klad in to prawns wi be made whd taw muchl wit be Your sutornallc paymrht rmad may tm Mc ded on the www" sblerrlA bead on re61s or papnnb appled during b%V cyde be las Cm& Papartn9 We may report obrmalim about your sowuA b wadi brwus L ab psymwAa, rruaad prgoft, or of debt& on your account may be reirdadd in your aedl p believe tail our reW Is bomureft or kworroft, plan wra agencies each "w& I report. We b ro g s home bsleplla nattier and Aaant ruibbm r the kh Disw w, PO B 16316 Wlmbpbn, 98%5316. Posse Irhduds lar armaddra ca wsg addresr Grua Pwlod on Pcaduue (d bad 25 days). We be& b bpaes Periodic Fbance Owgw on al barawlim Mom the Tmawim Dale for to bnucbm a shown on your blbg ablemem mleaa a barrachn is paled to your AcwtAt a11er the dose of the blip period in which It agars, in which ale we W* b hpow Periodic Fbnce C hrpw an tat tnaadbm ksm to OW day of to big period b Mich It Is polled to you Acwud. We om&w b )pow Periodic From Charges urtdl to dale you pay you uft New Balance, by payrmnta r raoaidrg aedib. However l you prod tar New Balance m par previous. big MNaneM by to Fayn" Due Deb shorn n tWbig aIMwrrM nd you pay P il F!:w Ch t N B Du d billi ) P f d d t i t D i ,, huw, ew apnrA e ab on yorc rre ng somwK we w not pose o e arges m new pu W drese q appew g m ere o Marae by I* a s,; anal big etalenbrt We all Its tr'grace period' Time is no grace period on balance tarafers rcas h advrm. tilltewwll FMwhes Charge. We all charge you a mbhfrawn FIdANCE CHARGE of $.50 for 0y blip period In which Periodic Fbertee Charges of bare rim $.50 would etlwan be rnpwed. An" Fes. t ymwAmM hu n wAW fw, l wl bo bled st tla bapbrdrg d each xw* rwy your yorAmM le open. The amount d the be eppem m rim ebalenren'when rie lee b blled, The wnW be s not rekrdable mlew you may us. Wart you wish b close yorkwurd with 30 drys d rig rmaibg r delivery dab d the staWat n which the be is blled. You wi modve rim mUW ern tyou hoe your Card dAS rim peed. Parlodle FMhnw Charyas. We art you tam *m wft Va4x of purdhawa, rash advncw, and MGM banier% and ton krtbr wd rig tartaealarb wft 0adh lap by tnirAhraW Paco dtge Rata For a pia prdhases road to a pnsr dorsal role end pudbws sutod b a staMnd We would be seprals groups. We roller b toan groups as tarmaSn c legaies. At is rd daarh Wlbg prod, va owpale balwas and Periodic Finance Chnn for each day d hie big period for each twnadim nbgory. We use rie bbwrg agwbm to MMPUb Paiodc Fiance Owgn far each truscbn wlegory (Average Dady SO-) irhee (days b big period) tlmes (Daly Periodic Rate). (YW may taller to to' torhce dw9s anmery on you big ddwm t ter these amcudaJ Then we add hp tie Periodic Fbtance Owgn br each irmsobort cats b got to btu Pwbdb FMwhoa Chrges kw yo rAwount. The Average Daly Balmoe b show aa>xro t, becaun d the grata parted, no Periodic Finace Charges appy b the balance Ina "re" M4 Ws. use tM Average Ddy Belruce (ahdudirg now Wasclom) mdbd dalmdabg the balance Wm with we arpm Periodic Fbarhoe Charges. We comprM teAverage Daly Balance for each trarsedon Magary by adding hp all the daily balances h a big prbd'fr a trudon cebgay and dividing to bbl by toe mwim d days in to btlmg period. We compAa to day balm for each kw%wA n camgay an each day by hr adding to obwrg to On praworn day& dey balance: lamacbm wb a Trarradim Date of riot dry as shhown m your Wing delwnark hatless rte trasclon a posted b yourAcom aMr l e clew d are bibg prod n which loom, b wlhidh air the trnesabn aril be added logo day bdwm a d the &st day d t» birg period In which k is poslad b yo rAomuK bet dhaped lot day aed Palodb Fkwm Charges soc ued an too parlous day's dry bd moor; wd by rim aet.abg ny cradle rid pa rnaru tom we appled qW* to bdwu of rig wrracim category on to day In cradaMg to d* balance for the hat day of toe blbhg period. we wnddw lr VwAo s doy a daily batarce to hove ban you belarm for each tarmaclon calegory m She oast dry of yaw preAM bog Pwbd Al tees dwoed b your AtcoraA are added b in W dwd pudrse trrwctlon with to waplom d Cash A&mm Thowbon Fes Pnm Ch"n Mdo h m added b the balorm "M too apeaal rale wplu, we am ft u brarm of to balance iamb rd?TTrdr Trawhich we added lo ft mdon Fes Fbence C apes mhdrd M 1 category. How m, A to special rate lea ban bm*sbd mdr to Dmaul Ram arum, we lava rig uprd bdow d he balance kra er rd the Balance Tmmw Tmsectah Fee Fbarhce Charges te In applcehle Warm beraler Wroacdm ralegay all to special rme would here expired. For TDD (TMaoorrmkalna D@Wce for dw Dam) saahlence, plan cal 1100347.7140. DkDm may mmser ardor record Wephom cab batwwn you and Dhwver reprewrall ea ter "ft awurwn purposes. The Dbwvr' card Is Iwued by Dacm Berk Mentor FDIC. OITBK171 Closing Date: HEDGE, VIRGWIA M DISCOVER A u 1 Account number ending in 6494 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: August 10 Balance Previous Cashback Bonus Award Balance $ 56.93 Purchase Award This Period + 0.02 Cas ac Bonus Award Tota 56.95 Cashback Bonus Award Balance Award Available to Redeem 8543904 56.95 $ 56.95 Restrictions apply to Cashback Bonus Partner offers visit fKscaver cam or cap I-NO-DISCOVE9R (1-800-347.2683) for details For program, ils, we the Cashback Bonus program Terms and Conditions. New Balance Minimum Payment Due DISCOVER Account Number ending in 6494 d l l $8,823.07 $242.00 ose Be ow Enter Amount Enc Payment Due Date $ 1 1 October 5, 2009 Please make check payable to Discover Card or pay online 0 Discovercord.com. 10 SDSN6A01 0014457 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Go paperless and make your account information more secure with password- protected statements only you can access. Loam more at discoveccorNpaperless. PO BOX 71084 1111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change3 Print change in space ?n?r?ln?uilr?lnr?n?rlnr????ur?n?nlri?lu?n?n?r?n?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458215636511088230700275000024200 Discover More Card Account Summary Closing Date: September 10, 2009 page 1 of 1 Account number ending in 6494 Previous Balance $8,871.35 Payment Due Date October 5, 2009 Payments And Credits 275 00 Minimum Payment Due $242.00 Purchases + 0.00 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $1,076.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance own _ + 226.72 Cash Credit Available $1,076.00 New Balance = $8,823.07 You may be able to avoid Periodic Finance Charges, no the reverse side for details. Cashbock Bonuse Opening Cashback Bonus Balance $ 56.95 New Cashbock Bonus This Period + 0.00 Cashbadc Bonus Balance $ 56.95 Cashbock BoriusS Anniversary Month: August CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-8000ISCOVER (1-800.347-2683) to redeem Can We Help You? 1. Visit Discover coin to pay your bl for no cost, view your How and more latest Account information, som and redeem rewards an 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 Pleas* have your Discover Card available. 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. tsPost Dam Payments and Credits Sep 2 Sep 2 PAYMENT - THANK YOU $ -275.00 Information For You Enroll in Paperless Statements for your chance to win big. Go paperless and you can win up to $15,000 cashl learn more at Dixover.com/sweepstakes. AMMCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee D aily R CE NTAGE PE RCENTAGE FIINANCE F?GE 3 Balance ates RAT ES RATE S CHARGES current billing period: 31 days Purchases $8901.45 0.08216% 29.99% F 29.99% $226.72 $0 Cash Advances $0 0.08216% 29.99% F 29.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above knhporlard b*mW m N (hero a mass ton one page to ties billing sbkmerx, as Me bads of each pope for addia" nhpwm blonnation. rn So ywr cardnawaarAgraamor. Yaw caidnetnbarAgrearnod contains all the terms of your Account Lot ormtmien ards. Report mnedkWyl Call 11-MM74IIIIIIIIIII& Billing RVft Sumarary. In Cued Enos orQusetbnsAbout Your III: II you karlk yo r bill is wrap, a fl you need more ntarneaon about e transaction on your tell , mb b a ona h f separate s m o paper at Discover. PO Box 3D421, Safi LAe Cft Ur you no War than 60 days oiler we mg you the *9 bill an 2 g which to error or problem appeared. ybu con telephone us, but doing so wBnot Psserve your dpls h n your leper, 9we us the faAOaip rhbrrtration: Y d A nt b our non en raan ccou ec •Thedollar anoundka nnisid am. • Desabe lheemrand , you can, why you baleen tam is an moc k you need mare knlomwtlon, describe to ibrn you we man about. Yar der mat love b pay m amount m question whim we we irmodgelrp, but you am ice obtigded b pey Me pea dyohw bB Met am not b question. Whle we nvestlgete ymr qusakon, we cannot report you m delehquerl ably any achm to coW the eraser you question. BpecW Rude for Credit Cad Pwdmeas: If you have a problem with to quality of plods or services that you purchased with a aelflt cad. and you have laved n good bith to can ld the problem with 9b medal, you mmy not Mrs b psy dm.m, km enbaa due an the goods or services, You have this prolecsm only when to padres price was more them $50 and the purchase was made in you horns dark or within 100 mdse of you noting address. (k we own or operate to merchant, or k we makd you the sMellsercerd for to goods or services, all purchases am wverW repertkess of the amounta batten of pudme.) Paywwb. send only your payment and the top portion of this atslernerd In the envelope provided. Do not sand with. By sending your dm;r as dumbed above, you auhaorb us to use nbnnakm on your dads b mall an slecbarb And rerater tom your mcaawd at the ilarxial institution indicated on your dad or to proem to payment n a dock tfermedan k peymer is processed as an electronic turd trashr, the rnmkrwill be for 9m amount of the dsch. Whom we hme k bmaon from you c ed b make an electronic Acrd V&*W,, We may be withdrawn km your account as soon as too sans day we receive your payment, and you will not recelm your duds back from your inermal nedukm. The proceuap of your paymeri may be d" fl you send cash, omespordnce or other keno with your payeserl, k you send the psymint b any rile address or 9 you usm an wmWe abler Mn theme prodded Pepwa reaiVed n props ixm d cur pmooo ft bc* by 5PM bat ilia m my day wl be aedi d b yourAcmud u d 0 M day Paynsnts reawnd d our processing after SPNII local will be crecillecl to your Account a of to neA day. N es?et eW your prpw to Discover, PO Box b 81 1 ,w 61 Card 19 Please allow 7 03 0 days for d*my k you psymsnt is returned unpaid reserve right to resubmit it as an electronic d d* You an pay you rnlrlrru n psymeo or a grate errlawl over the telephone, arid you can set up submatic papnnts. Cal us at 14034740 YOU will reed this AMernnt and yoW beri aocount rdomallon. You mud mm that euRded Ands we av lOble In you bank amount, and all bamecUms mat cornpkf with US. WA You will be eshld to pra+We the fist 5 d g b of you amount observant ZIP code By enterp those numbers as your aleCtrork algrmirrs, you will be -9 el No this authorization to d w us and your bark to deduct sch peynhent ycuyau you bads aowus, rd b nkida debit a aa6t era(es b yaw bet xaamt, u applwble, b osrred an era n tls prooeealrp daudn paymerl. Ybu msl a u to m Paynwi Due or the New Balarm on each sMerna i. You an meal a paymwnt however we tell us ft you can select a c out such mot receive notice hest threat, b ualr days n d or at the address killed In to previous i to by phone at le mu b m paragraph. 9 yaw paynsrrb wry in amain, we will Id you on each monthly statement wwhah your pe rantt*1 to medea and how much it will i, You r morraille payrrhademohrdey be bse than indicated on the mhntiiy fteBenleN based on credits or paymeds applied! drrep to tetra cycle. Cmdk Reporting. kW may sport nlom bm about your amount to m& bureau t b paaymrhk, maseed poynsrhb, or other ddaft on your soooud may be reflected n your aedk mporL Vft ro p the and Account to credit Iresocummle 1 ? ? ? ? us d ft bbwp ad. Discover, PO 6 WRmngson, DE 1911%.6316. Pill. Faide y iourmme addres horn teleplays merdw eat Accent ram Grace Paled at Pudwn (et bad 25 days), Ws begin to impoa Periods From Chw9s on all remwbas from the Transaction Date for the ramackm a dawn on you bikg ebbrnsK ur" a tantack, b posed b yotwAoxud stw the dome dMa b&V parted n which k o0aaa, n which ale we beds b knpose Periodic Finance gages on that kaaadm from the 69 dry of the billing period in which k b paled b your AccourN, ft wniare to knpon Persdc France Charges udfl the We you pay your scan Nov Bdna, Bier Now BWroe this p aeftk (you pad the Now Belelhoe on prevbns blkg ebkrsrd by the Paymsrl Due Deb drown on Mat bft Wo llnllrrt and you pay on yaw awroM Willin staimm4 we will not n Peri i Fin ds a c th by this 1301 e Du g " o ; aroe m" on now pur hases, at s, pudhaam id appearing on the thwart Ni e l eD' billing sb grace period' There Is no grace period on balance Mom or ash advances. Mb*nm Nnna Charge. We will charge you a mk*num FflhANCE CHARGE of $.50 for any billing period In which Pwbdc France Cho" of Imes than i 50 Wald otherwise be rryaad. Annuef Fee. I your Accord has an annual fee, it Will be biked at the begiring of each anniversary year yo rAooount is open. The amount of the tie appme, on the alder mli when the be s bled. The *nW be is not rokrdit Mesa you noisy us to you wah to dose yourAawrwd wft 30 days of the mailing or dalivay date of the sidwad on which the fee b bled You will noeNe thIm mW even Ifyou use your Cad dudnp that period. Perbdk Fkmnce Charges. Wm amt you transactions nb groups of p chasea, ash advnou, and balance users and then father sort the transactions within each group by #*AlnUd Percenkpe Rate For sxanlple, purdlesea cabled to a prwwlional rate and Purchases; subject to a standard rate weld be separate grape. We refs to there groups as karmactim atmpoiss. At the and of each bill period, we corpus Mences and Perak Finance Charges for each day of the bitting period far each transedon category. V% Lm the blowkg MOM to compute Persdsc Fiance Charges; fa each transaction category. (Average Daly Balance) rill (days In blig paled) times (Dally Perbdie Rat). (You may rate b the imnce cage surrnary on your bWip ekkrnert for these wwj*,) Than we add up the Periodic Finance Charges; for each transaction category b gal the tow Periodk Fiance Owgu br your Amount. The Average Delp Balance is am as zero X beans of the grace period, no Periodic Finance Charges apply to the balance In a We use 6s 1?vaaga Oaiy Bdnoa (ndu4rg mew raraertlahs) method of calculating km bderce upon which we nhpces Periodic Fimrhw Clwfpa yN aahp a the Avarape Daly Balance for each transaction category by adding up all Me dally balmose in a billing period for a Wadm allegory and dbdrp to WW by the member of dsys n the blip period. We;awpme that ddb balm for each ramdon category on each day by firm adding the blowing to to p rAm days duty balance rarm*m with a Troraadm DW of that day n shown on your billing deferment unless the ranamcton s pasted to youAaxxnt titer 9m dose of to bait pebd in which A o=n, n which case to transaction wY be added to the daily balarm u of ft *9 day of to billing and mm any ? period In which it is posted to your Account, lees charged that day end Periods Finance Charges accrued on M previous tky?s dally balance. end paYmb that are applied apsest to balms of the ramaam category on led day. In alolmkg the alb balarh;a for the id day of the billing pabd, we consider to Vr ious al's dally balm' b have been your belna ter each transaction wlagory an 9le led day of your previous billing period. Ali bee charged b your Accornt an added b the standard purchase Va sactim caslaM %M the exception of Cash Advence Tronea;don Fee Finance Chaps Ylih am added b the tiw special rate srhpiros vw agetd bWnce bled bdaha bomb and is A' a m w T Fee F Ch"m to the ? slaindard pu rrchm In csectim When category. However, I ft spacial rate has been terminated ulderthe Delkrk Rob section, we Isw to unpaid balarhoe d the balance ra end the BBalnce TrerrobTrorsadon eeF Fkwoce Gages In to applicable, balm raskr tramadsn aaegory see) the special rate weld have expired. For TDO (TMeam nudeadora Device for the Dad) awbence, pleas call 1499.347.7449. Dbwm may mmaor ardor record belephas aka bekmen you and Dsoavx repremblim for quality, assurance pupas. The DscoW and is issued by Discover Hari, Member FDIC. OITBK171 New Balance DISCOVER $8 778 11 mum Payment Due D Account Number ending in 6494 , . ,2 3.00 Enter Amount Enclosed Below Payment Due Date $ November 5, 2009 Please make check payable to Discover Card or pay online m Dixovercard.com. 10 SDSN6A010014458 HEDGE, VIRGINIA M GO WPerk=111ndMake your account 618 WALNUT BOTTOM RD information more secure with Password- SHIPPENSBURG PA 17257-9648 Lin more tdovecoffVap paperkss. Address, e-mail or telephone change2 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 Illrrrllwnrllllurlslnl CHARLOTTE NC 28272-1084 11111 1111 if 111111111 111111111111111111 000001986458215636511087781100300000023300 Discover More Card Account Summary Closing Dale: October 10, 2009 page 1 of 2 Account number ending in 6494 Payment Duo Date November 5, 2009 Previous Balance $8,823.07 Payments And Credits Minimum Payment Due $233.00 300.00 Purchases Credit Limo $9,900.00 Credit Available $1,121.00 + 37.40 Cash Advances + 0.00 Balance Transfers Cash Credit Limit $5,000.00 Cash Credo Available $1 121 00 + 0.00 Finance Ch : - +- 217.64 , . New Balonco You may be able to avoid Periodic Finance Charges, we the reverse side For details. Cashback BonuSe Opening Cashback Bonus Balance $ 56 95 . New Cashbock Bonus This Period + 009 Cashba& Bonus Balance $ 57 04 Coshbock Bonus® Anniversary . - Month: August How Can We Hel You? P 1 • Visit Discewr corns to Pay rear bill for ore cost, v;.w r n It's your choice - 3 ways to help and more latest Account information, corn- and redeem rewarda 2. Call 1.800-DISCOVER (347.2683) for fast eas self-se i Please have your Discover Card available, , y rv ce options or to speak with a Customer Service Account Monger For TDO (assistance for hearing impaired) we reverse side 3. Write us at Discover Card, PO Box 30943, Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use our Disco C d h s. Post T? y ver ar wit confidence. teDa Paynwmh and C+edile Sep 30 Sep 30 PAYMENT • THANK YOU $ 3000 Merchandise/Retail Sep 30 Sep 30 - 0 ONLINE GAMES POGO/EA WWW EA COM CA . . 71163921 12.71 Sep 30 Sep 30 ONLINE GAMES POGO/EA WWW.EA.COM CA 12 71 . 71163935 Oct 6 Oct 6 ONLINE GAMES POGO/EA WWW.EA.COM CA 11 98 . 71286164 "Aft Charge Summary Daily 8e PKi?rc Nominal P RCENTTAGE PE I?TAGE F ? ? C Tranaoetion Fee Balances Rates RATES A R JA N E F*jANa current billing period: 30 days Purchases $8829.90 Cash Advances $o 008216% 29.99% F 2999% $217.64 0.08216% 29.99% F 29.99% $o o $0 The rafts that apply to your Account are either fixed (F) or they may vary M as noted above. kr wW kdxm*m t tare is more than one pope b to big aalement we la bade of each paps baddi6onal important wmxmnm Sur your CadnwnbsrAgr wt Your Codmaiber Agreement contains ON the terns of your Acoohwd tact ordoien ardor. Raw Vinve dew cop 14 W4T•2i/3. O W4 W06 Swroneryw. In Case of Errors orUua§ans About Your BS: I you fink your bill Is wrap, or I you need more nfomalbn about a trion on your bill, wrpe to us on a aperele aeon of papa a Oreoover, PO Sox 30421, Sep take Cly, UT 841304421, as soon a possible. We A s you no Wr than 0d after we sent you the Iret bill on us the blowirg which the am or problem appeared. You can telephone is, but done s0 will not mean ve your rights, In your 19W • Your noneale Adwtun number. • The dda smourt of the suwpecled errs. • Describe to ardor ad a pisn, I you can, why you belove has Is an era. If you need mom kdorms ion, daaWe to A m you are unsure about You do not have to pay any aenau n,WWM vuie we as inalpatrg, but you are all obiposd to pay the parts of your bill that are not in quesla Wtils we nvalgate your qualan, we cannot report you a ddnWW or lake any scion b wiled the arrhOwn you quesdon. SpecW Rule ter Credit Card Arehawes: p you have a problem wilh to pally of goods or lamca ftl you pwdread have a oe6l cad, and you have kied in good talth to cared the problern wph to madam, you may not have b pay to remaining arwA due on to goods or services ft two this pi n - r - n only when the phadale.pge was more than $50 ad the pxchas wesmada In your ham alas or w*rn 100 mks of your no" address. Of we own or operas the mardhark or I we meded you tte adverMara t for the goods or aneoee, d purdaas are covered regardless of ft amount or bcaloh of pxdvm ) Paymsna Sad any Your Wyrwt and the by pollen d the allefrlarl in 1h0 ewalOpe prTlfded DO not esfd cash. By werhdkg your dhecfk a deenWed above, you a d home us to kanacbm. ugo' . on your d" In m@M an kind tm ahoua of pa dace. Mon we use Wom?h from your dads No rraoi an eledroniccWM kaafa, peymad a Proaaad man abcroac kind karts, the taheta wll be for tsowA o at We may be wpdrawi from your avant as wan as the am dry we receive your payment, and you will net mom your lock back km your farandal i slubon. The poawag of your payment may be delayed If you sad calk, owreWdenoe or otffi lama wpm your pwyrnerd, I you and to payment to any other address or I you use an ewalope otter than the one pumdsd Psymants received In pope l mn at our passing fsciily by 5PM local she on any day wA be Brad ad to your Account a dthat day. PeynorAs reo" a our poceeeig facility aRa 5PM local lime will be =&Ad byoha Account a of the na l day: p you haw misplaced yovavabioe, sad your peysaM to Discover, PO Box 6103, Carol, Seam, IL 80187810.9. Please slow 7-10 days for delvery. I your payment is retmed unpaid, we reserve the no to rewbrhir it as an electronic debt. You con pay your miniam payment or a paler aqua over to Weplgrne, and you can at up avbmaic payments. Cep us at 1800-347-21110. You will need to same t and your bank sCeearn Ydonahon. You must own tvidwpdau funds we owl" In your bank accouaht, and d tracadlaha mast cornply Wl h U.S. I= You will be eked to provide the first 5Jgkadyawaccountaasmet21Pcode. By gtoonmbesas your aleckonic*10".You wlbeagreeingbtesadadxaimballowusadyoubank bdeduct each Want you wulhoras kin yea barhk swou k and to inatas debt orasdl skies b gar bank scant a a pplr*b. to aced ano mr n the proaukg d arch isymnu. Yon mot b1 w fh arouhtof adh psysnsit or you can aced anamount such aft Miinxm Payment Due a the New Balance on each aaamem. You an anal a paywant however we mhat recel nnlce a saes taw lameness days In advance dthe scheduled paymao. You may holly Ue by phao at 1800.347.2883 or by mall al the address WW in to pr4ous paragraph. V your pwyn arils vary in amount we will tell you an each mdrhtny aatanaru wlan your peMant will be made and how much l will be. Your euomdc payment amount may be lea Wan khdhcalad an the mO"snlawnt bead an credits or payments appled during to billing cycle. Credit Rwpageg We may report infaaalon sboayour account to acct bars. Lab pe n erts, noeswd psymaa, or ones dealt on your aooaau may be retlded in your credit to at to Iotowi g ad ac Oiecover, PO Box 1?531hi8,Wimnof your gbn, DE t n9A54to credit repordng agencies each moo. 5318. Include rams address has talsove nu nber and Account renber• Grass Poled on Pwchaa (at beat 25 dq* Won bap In krhpaee Palladio Francs Charges an all bansoclahsfrom go Transaction Date for the kaaa ion a shown an your MV Moment u las a Musclon is pasted b your Account ales to does of the big priori in which It oddaa, nwhich as we begm to Impose Pwk die Fiance Charges on that kaaacla from to lira day, of to dpng paled in wish k is peed to your Accohnt ft QaNn e b Wpm Periodic Fauna Charges udl the dab you pay your antra New Balance. by melding pwymwrhle or rsoaivkg oedYa. Hamm, l you pald to Naw Balance an your previous dalenent by be Paymwn Ow Oats shown on to bleep steenext and you pay to New Banos by to P"ffmt Due Oars onyouraara8 WM sMwmK ws bamhkaPawbks or R m onnew pur, tata,padmn Wet appew" onthe dame big -.-It Won rid tors In *Woar paled' These a no grace period on cash advBnm& itnnsi a h mm Chagw. We will doge you a minimum FINANCE CHARGE of 550 for any big period in which Palo* Fiance Charges of lea than $.50 would atorv+ise be irmosed. Annual Fa. I your Aomu t ha an amwl be, l hap be billed at line beginning of each avll/eleery yaw your Account is open. The smart of the tae appars on to statement when the in is baled. The arced is* is nor mWebb urea you nobly us pal you wish to does your Account wphin 30 days of the reading or dekvery dab of don OAternerd on which to be is billed You will receive taw raW wan n you we your Cad dung tort period. Park* Rance Charges. We soft your kaaactaa into groups of purdhaes, coo advances, and balance Verifiers and ton Aalar and One kasaNaa wbhn each /soup by tWrA&W Percentage Ras. For ew n0e, p rdaas snbpd to a prarwita roe and p char es su6pd b s awxwd ralewould be apwrala gaps. We weer b twee groups as fraaacyon alepodea At the end deedh big pnb4 ws cwM a boWm and Pa ok Finance Chagas for seen day d to b&V paled fa each hremom alagoy. We use the blowing "ON to compete Paneekd Fnage QW991 ter arch krhsad W asgory• (Awrape Deily Balance) loos (days In bilg per4Ima pally Pabdlc sub) chugs erarwnery on your big saWmrufor tfow amours.) Then we add up line Periods Fauna Charges breach earrww . sappy b gar to tow pas for yauAooodan. The Average Daily Balance is sham a zero t because of the grace period, no Partorlc Fiance Charges a" to to bdace in a Muse die Average Day Balance (raring new ka esctlaa) mad hod d aidMtig the balance upon which we nhpose Paiodc Finance Charges. M compute theAvrage Daly Balance for asc h kaawWon caegay by addkg up d to day balances in a big period for a iraraaclon cafegay and dividing the 1oW by the number of deya in the bong period. ft empb tte day balance br each kanadlon cabpay on each day by hst adding to blowing to the p ewous days day balm- tmaeckne wMh a Tra secean Doe of too day a slmerh on your dint stalwast. man to karacioh a posted b your Acoaru after to does of to b ft period in which If oasis, In wlhhdh ass the transaction will be added b the day balance as of tte tka day of the big period in which k is posted in your Aaarn, laas chatged to day and Periodic Fiance Chwgea accrued on the p wAous day's ddy balance; and by than abeedlrg any pads and poyrnab thel are appked agwal lu belence of the kanaceon caagay on OW day. in calauaWg ne day bsience ior to firs day of the bWng period, we consider the Vmvioue We dally, b elara b have bees your balance for each treneacbm caegay on the test day of your Wefts tiling pricod• N fees charged b your AccoM am added to ft standard purchase kaacbn celegay with to aKowlon of Cah Advance TranteCta Fes Fauna Charges which are added to the Wpkcst c ah advance i amcbm category xW Beanie T rerala Trwsdon Fur Fiance Chaga when ads added b the appbnde balance trader irmadgn category. When the special We apires, we men the unpaid balance of to balance banes and do Beano Traasr Tmoeclm Fee Finance Charges to line stsnda l purdras transaction category. However, l the lpscal dab hes been Wanated under to Default Rely noon, sus lave ft unpaid balance of the bela ce kamler and to Belem Trrffiier 7rahnsecOon Fee France Charges in the spplable bstance ea shi kaaadion alepay var to spatial roe wale have expired. ForTDD RaMeonnhurdoodom Devaa ter tN Dad) awslavINN , please cd 1804.347.7446. Discover may manor ardor record Mtephans calls between you and Daoover repre at Ives for quality aesraance pupose. The 0iscove sad to aeued by Discover Be* Member FDIC. 01TBK171 S DISCOVER Closing Date: HEDGE, VIRGINIA M October 10 2009 Account number ending in 6494 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: August 10 Balance Previous Cashback Bonus Award Balance $ 56.95 Purchase Award This Period + 0.09 Cas ac Bonus Award Total 57.04 Cashback Bonus Award Balance 57.04 Award Available to Redeem $ 57.04 ,8543904 Restrictions apply to the Cashback Bonus Pat offers visit D scarer comor ea I-111"SCOVER (1.800.347-2683) for details. For program details, see the Cashbac crBonus am Terms and Conditions. DISCOVER New Balance Minimum Payment Due $8,678.12 $241.00 Payment Due Date December 5, 2009 10 S0SN6A01 0014459 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Address, e-mail or telephone change? Print change in space above, or go to Dixover.com Print your e-mail address to receive important Account information and special offers. Account Number ending in 6494 Enter Amount Enclosed Below $I Please make check payable to Discover Card or pay online 4 Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access Learn more at discover comlpaperless. PO BOX 71084 Illrrrllrrssrrllllrsrlrlssl CHARLOTTE NC 28272-1084 1111111111 11111 11111111 1111111111lu11111111611111 111 lrllll' 000001986458215636511086781200325000024100 Discover More Card Account Summary Closing Date: November 10, 2009 Account number ending in 6494 Payment Due Date December 5, 2009 Minimum Payment Due $241.00 Credit Lim" $9,100.00 Credit Available $421.00 Cash Credit Limit $4,600.00 Cash Credit Available $421.00 Page 1 of 1 Previous Balance $8,778.11 Payments And Credits 325.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Fir-!( w s 225.01 New Baance $8,678.12 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bones Opening Cashback Bonus Bolame $ 57.04 New Cashbook Bonus This Period + 0.00 Cashbook Bonus Balance $ 57.04 Coshback Bonu3WAnniver3ary Month August CONGRATULATIONSI Your Cashbook Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-804347.2683) to redeem. How Can We Hel You? I . Visit Diecavwxonr to pay your bill for no cod, view your p blest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD 3. Write us at y, UT 8Card, PO Box 30943, (assistance for hearing impaired) no reverse side Salt Lake City, UT 84130 Transactions $0 Frwd Liability Guarantee Use your Discover Card with confidence. Oo nbF Paste Payments and Credits Nov 6 Nov 6 PAYMENT - THANK YOU $ -325.00 ?W leg Charge Summary Average Daily Nominal ANNUAL ANNUAL en Transaction F Daily Periodic PERCENTAGE P CBdTAGE ER E F E B914QS43 Rates RATES RATES ?Q1S current billing period: 31 days ;Purcha3e3 $8834.65 0.08216% 29.99% F 29.99% $225 01 $0 Cash Advances $0 0.08216% 29.99% F 29.99% . $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Discover(R) gift carols make easy holiday gifts. Now saw $2 on the purchase fee of each gift card - plus FREE shipping. Personalize gift cards with names and messages. Many have matching greeting cardsl Saw through 12 31/09 -enter GIFT4 at DixoverGiflCard.com krpsrtrht hfo mw- k there is mom than ore pegs to tithe big atebnbnt, see the back of dada pays lor addoahM hVortard ihlorn ation. o Se grew Card -A-Ayra«nant Your CudekerrlrerAynanwkl contains all the tend of you Account Lad or down cards. RVorl r heddelyl CaB i4O.71748A3. 0 W4 RWb Srmnry. in Case of Ems r WeslonsAbow Yaw BM• k you j** your bM is wm%a ti yWU need more fMommGon abaR a transaction an your bk, wake b us on a S sepraw Om d pow at Discom, PO Box 30421, Sat Leke City, UT 841304121, as soon as poesbw. We mat her faro you no later than W days elver we sent YOU the kd bM an which the mor or problem appdred. You con Wephom us, but doing so will not preserve yourrighaa. In your *W pva us the blowing khbnmtm. g Your none and Acoowt m n tiv The dollar amWM of the suspected error. Describe ter mor and rpteth, h you wan wiry you believe two r an am. k you need more kAomation, desabe the bm you am wan about. ?4 Yalu do not have to pay wry WDA In Wedon while wok are ihveetpatrg, but you ere sMl obligated b pay the pert of your bill the am not in quostah. Mile we kaveetgete you question, we wand report you s ddnWW stake any adios b aid the *YP A you question. or mvlou that you pxd=W willh a cied card, and you have Vied in good Imilh io coffect ? problem with merde taus b pay Illa mnali ft aroknt due goods or unties. You him t pp ma chi only when the pxc ase price was mom than $50 end to pucas was made in your home eme or w(thn 100 Was of your mailing addrees. (t we own or operate W nwdhant or ti we mded you the aMertisemet for to goods or aevicee, all pkrdmn ate covered mgwdae alhe mvA or toalbn of padase.) Paymmw. Sad only your peymml and ft lop portion d tits aldrned h the envelope prwxtd. Do not send ash. By sexing yow dodo ae desaibed atim, you aA vtm to to use iMon atm on your dock to maim an eleckonle kind trotter nom yon a cod at the konaa rallbtion Indicated on yon dock or to p nose the payma t as a deck transaction k paymaA t prooesed ere m ewetrorAc And trsrefw, the tranelw wit ha liar tie amourw d do dock. Wlhan we tine sdarmtbn from gar dock b mdse an ewt#anre Nand transfer, Aids may be wilhdrevm hen your accaaA ae soon as the same day we moelve you prpmo, and you will not receive yowdock beck Aom your Saida kdOkAah The processing d yow payment may be dMaysd I You sad ash, mrospo deem or other kern with your payment, tyou send the peysnd b any oft adders or k you use an envelope other tan the om pkovded Payment reavad n pmper berm dour paew*V bc* by 5PM bast the m ery dry with be , 1 1 b yourAccountas d thal dy Payment mosived at our p oo" facility whir 5PM local tons will be aedked to yaw Acomt as d to nail day k you have misplaad Yaw enywbpa, send yore peynwrd to Discover, PO Box 6163, Card, Stream, i 601976109. Pease allow 7-10 days for deh q. N you pernant is rMwned wpkl, we save the right b msubmk it as an electronic debt. You an pry your minim imperil or a TuW rrbud over to telo*m, and you con set up aulonatic prflnw t. Cal us at 1-BOa317,2683. You will read In staternhed and your bw* ecoohrt k*xnudon You mum azure let ROdW hinds we weWbw in your bank account, and all transaction mat om* with U.S tea You wM ba aeiad b provide the Sat 5dykedyawsmutsltlsawntZIPcode. Byes igtossmenbenssyourewctroac*ftn,youwill beagMNbtosAVIZatianballowusadgasbe*bdeduct each RMW you adhom kern yaw he* MUM and to WOW debk or aedit anted b your berth aaoM, a epplrabte, b coned an am In the prooedg d PA Pop" You mat tell a to email of each payment or you corn select an anent ask as the MWmum Payment Due or the New Balance on each aMenktd. You an cancel a payhnenC havnvw we mat We nos d leasttlwse bums days n advance dtio scheduled pay nivit You may ndly s by Phan a 1.800317.2883 r by mall 0 do sddrse died n the pevom in woK we will ld you an each no" stawnwit Ow ym ? will be made and how a" It wW be Yaw awarratc peynwA mount may wary iarh m * stlermt based on asst or prpwb applled dmy Mab be was fm indiatd on the Cwdt Re wft We may report nbmksYar dW Your aosM to relit Wea is. tat pymeds, rested myeont, or Wier dealt on yow account may be roWcled in your mW report. We nomdy hopokd the *W and payment N" dyarAmmW b ctedt mpwWq dyrrndea each month, W you balm thalow mW t eacawaw r khoo root, please mft us at to btiowing address Disom. PO Box 15316, YNkanglon, DE 198505318. Pleas ndude your name, addret, home Wq*ae number and Aocamt=fter. Brice Paled on Pnrshaes (at tad 25 dsps We begin b hVm Periodic France Chrgs on all tra imick a torn the Tmn$Kllon Dew for the transaction s sham on your dig smen ent, Mess a tranedlon le posted to yowAcmW der the doe d to billing period in which it sass, in which one we begin to npose Pert* Fnma Chagas on that trsroaction km tas Set day dto b*V period in which It Is pasted b your AcocA INS cedkna to knhpoe Peniodc Finance Charge unil the doe you pay gar eke New Balaoe, by " paFwb or renewing aedt. Homm,, t you paid the Now Beence on you previous billing dd n W by the PWnnt Due Oat shown on tali Mig *Wm t and you pay Me New Bstrha by the Parmit DA Date on your awrod WbV doWm , we wW not knpse Periodic Finance Chiapas; on new pmtmn, that is, prdhses Sal Wpee ing on the cured bikg slelrment. We cal to to Um paled' Thee is no pas period on bdm trarekre or ask advances. il Wmm Mom Charge. We will dwga you a n* m FINANCE CHARGE of $.50 for dry AV plod in which Periodic Fnrha Cargs of was than $.50 w oA *mwwa be hposed. Am" Fee. K you Ahsadt has an amua fee, it will be billed at the beginning of each amivareary• Yaw yourAaaad is open. The amaws of the be appws on the stebnhed when the lee has blW. The wa* be t not reki dable miles you n*yr s the you wish lo dose ymAcaM witch 30 days of the mailing or ddvery date of the stelement on Mich the tee is bilwd. You will reoswe to reknd even If you use yow Cad dwwg that period Pwwdo Flaraa Chrgo. We art your trw 1-11, a halo papa of pwdhmem cash advenoa, and baWhos tra aim and than Arthw Sort the tmucMat w ift sash gmW by than MnW FWarhtepe Rae For exakpw, Fiches KMW to a p mW&A rate and pwdhre &OW b a sWX M MM wads be separate groups We refer to tame groups as tiaasaction abgonin. At the and of each big period, we cepwe beWhss and Periodic Finance Chapel lr each day of do billing Paled nor each tansacdah awgay We use the Milo" egaton to Wanpwd Pabdc Fines Changes for each kadaion abpory: (Average Day Balance) knme (dye in bang miod) limas (Daly Pwbk Rat) (you my relive to do kenos barge suWnNY on yoke bMeg AMTw t for tore amoMs.) Than we add w the Petodie Finance Charge for each transaction miam to get the tow Pvnodic Fihrha ChmvW for yowAoccA. The Average Day BWwu Is shown aszero t, bhcaus d the grace period, no Pmakc Fkanhos Cage V* b the blanos in a °° 5904 We use doAvrage Daily Balance (i ckiding new trma bona) aathod d celahatirg the bd ance upon which we rhpoe Peck Fiance Cargo We omv* the Amage Dahy Balance for each transaction ca eM by adding up al the dally belncm in a billing pafod for is tranaw,lbn m*M and W&V to bbl by the number ddays in the bkkg period. Wok oonVO the daly baWrca for each trrreaC11 category on each dy by kst adds g the Mang b the pwmm days daily bdmnor kadeckorr with a Tra sacve Dee d that day as gown on Your billing Wlanhana, takes tins kanaadbrh a posted to WxAowak of tit don d the big period in which k occin, In which can the hirma tian will be added b the " balance as d No *M day d the bMkp period h which it b pooled b ywrA=uK tae charged ttt day and PeniWdfe Finance Chego soured an to pevios days daily balm; and by than aubkacing any ciedks and pynonb to as WpWd opera the balance of the Inumc bin cawgey on Mal day, In alahtg the daily balance for to Nrd day of the biMng PWA we conakW ft Vrw w *a daily balms' b have berm your balance for each Wissolm allegory an to last day of yore pman blig period. Al bas surged b yaaAco int are added b the a- I pusdae tramaaatianl co%M with tie easpte of Cdh Advance Transaction Fee R arm Chrgn aft h we added in, the the spade now ahpees, we mow ?theh hcNeM val Balance Thisaller Tfuescilm Fee Finance, Ching" which m added No this apocabb r balance trd bsWha kmebr and In BaI Tnrwsdwn Fee Fhhrra balance trmswr mdm ucbon Ybg Howwvar, I the spacial raw hiss bas Wmw*d under to D@W Rob sarlm, we wave ft wV W balance of MB balance I ansilaM the Balance Tnsrob?TrenssoWn Fee Finance Charges in the appk *a barhoe tidrliwr trunsaaion =WM wall the special wan woad have e0ed. For TDD (teWoommnnicdbm DOWN for IM Deaf) aadana, Pwae eat 14111"7.7410. DaWww may nodbr aadbr recrd W WON aW between you and DWwvar mpasetlve for quality sewance pupses, The Otomov* lard is lead by Dhscom Bank. Member FDIC. 01 TBK171 DISCOVER New Balance Minimum Payment Due $8,980.24 $474.00 Payment Due Date January 5, 2010 10 S0SN6A01 0014460 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $1 - - - Please make check payable to Discover Card. Minimum payment due includes a post due amount of $241.00 Go paperless and make your account Infomlation more secure with password- protected statements only you can access Learn more at discover.corstlpaperless. PO BOX 71084 11111111111 loll CHARLOTTE NC 28272-1084 Address, e-mail or telephone changal Print change in space lulrllnl IIIII It rIII II lot rllIII r1lrrlr.lrnllr111rlrrlrlrrll above, or go to Discover.com Print your e-mail address to receive important Account information and special offers. 000001986458215636511089802400000000047400 Discover More Card Account Summary Closing Date: December 10, 2009 page 1 of 1 Account number ending in 6494 Previous Balance $8,678.12 Payment Due Date January 5, 2010 Payments And Credits 0.00 Minimum Payment Due $474.00 Purchases + 84.98 Credit Limit $9,100.00 Cash Advances + 0.00 Credit Available $119.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges + 217.14 Cash Credit Available $119.00 New Balance $8,980.24 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 57.04 New Cashback Bonus This Period + 0.11 Cashbodc Bonus Balance $ 57.15 Cashback-Banus® Anniversary Month: August How Can We Help You? p 1. Visit Discover cem to pay your bill for no cost, vi.w latest Account information, loam and redeem reWOWE a rnd more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy WIL3ervice 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. rms. Post T Dais Merchandalo/Retal Nov 22 Nov 22 ONLINE GAMES POGO/EA WWW.EA.COM CA $ 39.99 33735851 Dec 1 Dec 1 ONLINE GAMES POGO/EA WWW.EA.COM CA 5 99 33871076 other/Misceilaneeus Dec 6 Doc 6 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. AfAcial RCharge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE JBoldnc3 Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $880982 0.08216% 29.99% F 2999% $217.14 $0 Cash Advances $0 0.08216% 29.99% F 29.99% $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 saw $2 on the purchase fee of each gift card - plus gM FREE shipping Personalize gift cards with names and messages. Many have matching greeting cardsl Save through 12/31 /09 -enter GIFT4 at Discov+rGiflCard.com a ipo lr?t idornhasorh. H here k coos hhn me pope b tins biiq sklerrhen4 sea tie Dads deadh page ter additorrai irriportra nt0nhaionh. t? SayowCrdnwabvAgrwesN Your CrdmemberAgieaaentcon16rsalltotonedyarAco"I 2 Lan orelokn cards. Repot inedbWy! Cal 1-111W 47-M. g BSWq Rbphb Smwwy. In Case d Ernrs a OuatiabAboul Your Bilk K you tidy your bS k efoap, a l you need more Mormdm about a triascln on yourbilk wile b us n e g sWsmb sleet of paper at Discover, PO BOK 30421, Sell Laic CIy, UT 841300421, as som n pxrebb. We mast hear from you no kbr halm OD days ewer we sent you that AM bill on which to error or pioblam appeared. You can Weirtnne us, butdoirg so will not preserve your rights. In your bier, on us the following fdormlln: Yarname and Aaxura number. The dollar smort of the erprAed era. • Dssabe the nor and egrlan, l you an, why you believe here Is an era. Hyou need nano idomolion, dasabe the lrn you are unm about. 94 You do not have b pay any amend in "" wine we we inveatlpeirg. but you am all MOM to pay to park of your b1 Met am not in question. Wine we Invedpele your casein, ore caahd report you n dskghsd a Wm arty acim b oiled the wnwnl you gwesim. SpocW Rub for Credit Card Prachease: H you hove a problem wuhh to qualify d goods or services that you prrc hosed wllh a credit cod, and you have OW in good kMh b =veil ho problem vrlh l e nsachis you mayrot hove b pay to renheiog amara due on tit goods orsavk=. You hue the pmbdnn oily when ho purdum price ass mass ton 3,50 and to prime wa nede in your hero tkk orvdtm 100 miles d yor maing addm. (Hwe own a opwO the medhent a d w e mailed you to a&mftanad fa tw goods a servtooa, d pxc eses are oovared mph 11, d to rnow orhocrin d prchese.) Payments. Send only your psymiat and to by portion d this sblanert in the amwbpe padded Do not send ash. By sending your dock as deeorbed abare, you aule¢a in to use Hamaian on yardredr b mains n aiectaric fund iacekr ion your acaunt at io ihehhdel ihaitidiorh khdreabd on your dock a b process ho payrrwd a a ileac tahsa tem. l pyindt ts poassW as n eleciaac ird tranaie, to Yarebr wdi he ter tie amour d the deck. VNon we hue tdorrroin wan gran dodo b make n elecfaarc Nil taller, (undo may be wYdrwm from your accred a soon as the sane day we recehe your payment, and you will not welve your dock beds from your kwxm InWirin. The procw*gdyour Wynwd may bedeleyad lyou sand ash, anespomdenaaother lend with your Payment, lyou said to payment loony cow address or lyou man a ""o diner them to one provided. Payments modwed in pW Brim at our pooeaaag kcity by 5PM loaf We on any dry will be aadibd b yourAcco ut a of that day. Payments received d or poosss" left ass 5PM teal time will be aided b your Account as alto net day. h you hqw nucpbaed yar erwalope, sad your Payment ID Diecwe, PO Boni 6103, Carol, Siesm, L 60197.6103. Pleas allow 7-10 days for ddvay l your payment k reined apekl, we resew to right to reribrriHH a an ekcaadc debi You con pay your minimum payment or a gaoler errbrrd aver the bleporo, and you can se up aularisk payments. Cal us at 1-000.347.2683. Ybu wil reed the statement and your bo* soaurd uansin. You mst snare to w Adera Wrds ere avaie6b n yorr bark mwo, ad d kwmubork mrai amply wIM U S kw You edi bsasbd b prevfde tie Aral 5 digits o (your aaart statement 2P code By so" those numbers n your electronic signature. you will be arvaing b Its autlbdrein b allow in and your be* so deduct each e wit ou whom iom our beak acc nt ad to kill d bt dt ok * t b i d t p p y y , e s e of ae e w o w , n app ce amoun e. to erred an am in the poaesig d such psymea. You must hill rs to sm ow0 d each psymeraa you an wed n s ics0 such ss M W nWm= Due orhaw Flew Belnos oneach skbnint. You an cancel a payrrornt howewr we met reaeiva nntce at leer haw buansss days In advamoe dthe sledded payment. You may noty w by phoneat 1-000347-2663 or by and r to address ileted n to pmvias . parepaph. t yar Wymnk very n wo^ ww wig 1611you n each maWly 1 -1, ant who yourwail be made and how much l vdil be. Youra somdc payment Brood may be loss than india16d on the mashy dalwoont based an credits or payments soled! dung the b? . Credit Rspor ft We may mW Morrnahon about yar am" b credit bursas. Lab psymarb, oared payments, or ate defeue on you account may be retailed in your aedlt copal. We romoty copal to skis and wfw t Notary d yarPmo b audit mpalig agendas each rnw& H yes b&w eW cur m* k k mnlo a kwro*, Ome write us at to Man addma: Discover. PO Bic 15316, yMingbn, DE 19850.6316. Phan Include you name. edtress,, home Weoww nurnbw and Aooant number. Grace Period on Prechesn (at beat n deya), We begin b hies Pm* Finance Charges on all transactions from to Transaction Dab tar to bahwcim a shown on your billing Moment, unless a ianeadion is posted b WAcooaa der to dose dine big period in which it mare, In which awe we been b hpoee Pal Faeroe Charges m that Orwaclorr ism the wet day of the bung period In 40 It k paled to ymAoaonL We cattroe b impose Pr16dic Fkwu t2nrges onW the dab you pay your snore New Baiace, by mdarg payrnbnk err recohil g aide However. K you pald t e New Belem on your pevlous big statement by to Paymet Due Oeb ahowrn on hhr hog sidement and you pay t N B b D D l P o ew ers a a y this ayment ue ab on your acent bft stslnea, we will mat Mpse Palo* Finance Charges on new pudows, tat k, pmhsm ist sWerhp on the area billag aiatenrhet We all to Ihe'gracs period.• Thee is no grace period on balance bnslen or ash advances. 0 rh1 w Firerhce Charge, ft wail dirge you a niinum Ft1ANCE CHARGE of $.50 for any bilirg period in which Pwkx k France Chhagn doss fm 550 wand otherwise be hposed. AmhW Fur. H yourAccou t has an annual be. kvdt be billed at the beginning of each anniversary year your Account Is open The anourd d the lee appears an the staernis vden the leek bled. The alas) tee k rot rafndebb urdas you nc* us that yes wish b dace yomAo=W witm 30 days d the maig a ddhey dale d the gmwwd onwhich to fee b bled You shat rooepe this mhud evan lyou use your Card dreg that period. Perlodk Fimhce Charges. Wes 006 your W%Kbro kto groups of Wch ses, ash advances, and behince I andent and than l rl er sort to taroeclim within each group by thekAcomai Peroenbge Roe For example, prchasw abject to a ptimotanal We and purchases subject to a sterdrd rate would be separaae groups. We rd r b Mse gap as transaction categories At to and of each big period, we compute balance and Pebdc Fihrroe Charges ter each day of to billing period for each banaadbn category We use the bib*y OW@bw to comps Pe sift Finance Charges to each tameless abpay: (A-age Orly Branca) Imes (days in billing paled) times (Dally Peiodic Rob) (You may refer b the Anna dirge summary on your biting statement for these emoads.) Than we add up the Periodic Finance Charges ter each taeschoo cMeM to gel the Octal Periodic Flnanhce Charges ter your Aco m it. The Average Oily Balance k shown a zero t, because of the Vase period, no Periodic Finance Charges apply to to balm n a tans Balance for each transaction (Y g row transactions) method of cdanbthg to bairwe upon which we epose Periodic Finance l hargea. We compute toAVeage Daily We ace for e each da* y balance cWAM for each by adding up all to daily, bbalances; In a billing peed fa a iemadon category and dividing he blot by the number d*9 in to billing peed. co shown on y billing etfM whL crIrvissidon ies to son each a bsl adding to Wowing to the prawoue days ddy, baina• babadow with a Transaction fate of real is pwW day to l he daily balance a of the ling day of the billing prbd'n which h It k passed b charged d da vid Pei Mhlah FIt occurs, inance Charges accrued case to Ins on i role will be daisy balenod, and by than tubtradhp any Credits and payments that we sppted agab your Ao=jK bas inst to beI of ft trrrtsed?on a? ? ry on on to lei elricefor p hdvias daoflat ys daily thebSkgpebd,weoahaldrlhe'pwtosWsd*balance'bhave beanyax Deirhce for each trrsacton cabgony on ft 1st day dgran hymppnevgias Wi period to dally peday of ay Alba charged b yalrAcco utave added b the standard pid" Wansaetltle abpory with toexcaptm d Cah Advaha Trerracton Fee Finance Chagas which we added b the tlo apedai cots apYa, we unDdd bdnoSeleottnceie loTmnslasr Tionseclim Fee Finance lanrce trerhebr T?which am added ki go qVicaloW balance kanaadrwbm 0516oryNon and toBelmTmaier Traroeam Fee Fkwa Charges b th to realer T mct Trarsectlk Fe k tiowowr, hho special nMe has been lenhanaied huhdrhe Debit Rork tecbn, vas leare ho unpaid babrhoeof the balarhce tramfer and ant the Balance lanea Tr analer orh Fee Fke" nce Cherw n tie applicable balahoe 91d1r t- --Iarh eMoM trot is spKW cob Wald hews expkw. Fir TDD (TMadntrualatlne Desks ter tlo DeeQ aabkrhca pew ed 1108347.7441. Dbwm may noWor ardor record telephone calls bewen you and Discover rapeekdallm for Welty assurance prposw. The Okcam'i card Is akcbd by Dkaowa B&* Member FDIC• OITBK171 New Balance Minimum Payment Due DISCOVER $9,281.99 $713.00 Payment Due Date February 5, 2010 10 SDSN6A01 0014461 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Account Number ending in 6494 Enter Amount Enclosed Below $ (I P6oss make check payable to Di over Cord. You are owrlimit. Pay the sum ohe monthly minimum payment plus the ovedimit amount of $181.99. Go paperless and make your account information more secure vAh password- protected statements only you can access. Learn more at discover camlpaperless. PO BOX 71084 III++rll++nullllnrlrlnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeli Print change in space Inlillnlrnlrllurlnlrlnrll?lnrlnlnlullulnlnlrlull above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458215636511092819900000000071300 Discover More Card Account Summary dosing Data: January 10, 2010 page 1 of 1 Account number ending in 6494 Previous Balance $8,980.24 Payment Due Date February 5, 2010 Payments And Credit 0,00 Minimum Payment Due $71300 Purchases + 78.00 Credit Umif $9,100.00 Cosh Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $4,600 00 Finance_ -Char ems + 223.75 Cash Credit Available $0.00 New Balance _$9,281.99 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Boras Balance $ 57.15 Now Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 57.15 Cashback BonusO Anniversary - - - - -- - - - - - - . Month: August How Can We Help You? p I • Visit Discovor.cem to pay your bin for no cost, view your latest Account information, earn and redeem re"=. and more It's your choice - 3 ways to help 2. Call 1-8004XSCOVER (347-2683) for fast easy self-service Please have your Discover Cord available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us of Discover Card, PO Box 30943, Sat Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trons' post Dab Olber/Mieallerreous Jan 6 Jan 6 LATE FEE $ 39.00 Jan 10 Jan 10 OVERUMIT FEE 39.00 Information For You * * * ATTENTION * * * We previously requested the past duo amount on your account. We have no record of receiving payment. The amount due should be paid at once. a Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction F Daily Periodic PERCT:lRAGE PERCENTAGE FINANCE E Baldric Rates RATES RATES Q%MS URGES current billing period: 31 days _ Purchases $9088.05 007942% 28.99% F 28.99% $223 75 $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. lmpmw M mimai . If there is more Im are page b IN brig sbdenwht we M bads of each page for addwnW krpatern nkvmefon. Sae yaw CadawrbsrAWOMMS ri. Your Caidmar berAgmament coreekad the torm of your Account Loot or dWm cads. Report irmisd iddyl Cali 14WU74M g BMM9 Righfe likes sy: In Cate d E Tm or OuestaaAbcW Yorr Bft t yahl tank yam bi a wrap. o r# you need more Merriam about a transaction on Yckr b1, mite bus on a g we sent you the first br on separate shems of paper at Dbwm. PO Bm 3D421. Sak LAO City, UT S413MQ1. a a= as posaft. ft mes! hour from you no hior lim 60 days abler which to nor or proMm appeared. You can Mapthma us, bud doing w wB not pasave yaw do. In you *W. give to to faNowsp nbrmstim; Your name sad Acomit nu fiber. The dolor amount of the suspected ems. b i be to Mom you are uhsu s a out • Describe the era and an#*. d you an. why you bdm liars is an voor. 9you need more iMamnaton, descr You do not three b pay any amouhtln gh adm *6 we we kNesllpai g, but you are all oblpsled to pay the pads d your b1 to are not in queslon Whle we investigate your maim, we cannot report you a aihquert or lab any skim b coked the amorwht you gralm. Spacial Pita for Cod Card Pudhaot: I you hors a problem wth to qually of goods or services tat you purchased with a am* card, and you have ked in goad frith b coned the problar worth theme ahsK you may rot have b pry the mahkg arra n due on the goods a services. You have Ws proactm shy when the purchom price vas more than $50 end Mh padre, was made in your have ebb orwBtn 100 dales d your maft address. (M we own a oparab the merchant, or Iwo mailed you the adveraernord br the goods or services, d phadrta ore covered tegerde of ft arrout or'-fi, d pudhs.) Poisoma ts. Send any you psHnerd and the lop porlm of Ihb dB*mM In rite envelope provided. Do net sad cart By sending your check as deecrlbed above, you slnhorQe us to use sibmalm on your clock to make an eleckon is fhnd trailer from your account at the tkwwcal istlubm vicli ad on your check or to procebs the payment a a deck bonsomm 1 psynwht r pm>caaed m on elm , ie kind kansim to tarter WB be brines arrows of M drdL When we use Nmrhetm from your dhertk b make an sleclum fund Vonater, bids may be vAhftm from yaw account as soon as M same day we remm your psyroars, and you wil not moeive you dock beck from you finarhdal iatllufon. The procwaeg d your psyrrwt may be dd"W Myou sand ash, amsporderoe or oler faro wBh you psynwM,1 you send to psyment b any oft address or l you use an analops (Ow two tr am provided. PsynrMS rewired in proper bmh d ourpmoesskp bdBy by 513M bd we on any deg wB be creel ed to yo rAooout a d tot day Poymena readnd at our prooe?khp bcky crier 5PM bail lms wil be aedled byovAmou t es of ft nod day_. M? you haw rn splaoed your envolap, sad yourpaymant b Discover, PO Box - * to rooubhrhlt k as an elackahk debts. 6103, Canal, Sewm, IL 601978103: Pbaee aiwr 7-10 days for delfvey M yourpayvnerd is iekaiied upaW, ve reserve the You an pay yaw ntnlmarh popmentor a gmror amount over do telephone, and you can setup aUbmeta prymwde. Call use at 1.800347.2683 You wil need tlwt SlafenneM and your bank account kdametlm. You met one re tot suBdaa kinds are ovelable In your bank mcou t, and d tarachme mkt on* with U.S. Vow. You wil be asked to p wide the fist 5 dglb of yaw account issamnhan 23P code By a" Mora nun be s as your *dmfvc signature, you wil be egrealng b In siahorta" to slow us and your thnk to deduct each pa oM you adhaKe ken your bank skoawhd, and b ilia d" or aids won to your bank account, a apple", to oared an mar in to pmaxng d such psyrnert You m d bbl us th grout desch peyrrwn a you can Wooten anon aldl a the ktnbsan PaprM Due o% Nov Norm on each stManan. You can canal a paprwp however we mud mosho role, at IoM tea business days in advance of the tdhdted tayrnent You honey noty us by phone at 14003h7.2683 or by and at the address lead in the previous paaW*. I your ps) n+ah! wary In arauM, ww wB td you an each ffa ty alarnent whah your payment wll be mode and how much it w1 be. Yak al*mw& psyrrwn acount may be Was thn kdfated on M rmondty ablarmlM based on croft or paymhmb appled ding to brig cycle. Credit Ropes ft ft may report iibimob abo styes accard b a" bureaus. Lab psyrth n n 1, , pspranb, or other dekft on your smut may be reflecied in your cred report. ft namely rapist ft steku and Mmient Wory of your Account b a" reporting agenda each mono. I you balm Mkt our report is areatafe or ncomprb, plan roar us at M blowing addea• Discover, PO Box 15316, Wlrnrgbn. OE 188506316. Place iobda your arm, address, have lelgtwr nllllber andAccount number. Grace Period on Purchases (d 1ao125 days). Wo begin to nghose Payodc Finance Charges on d ba seclbns Ain the Trarrclorn Dab for M tra seclm a sham on your Ming ettlarrnt union a twrclhon to posed b your Account after to dome of M tlrig period in w hM it own in whkdn as we be& b krpose PerlOdr Faroe Charges on that saran, , torn the sal day ci bring period in Woc h kit pond to your Acco nt yfe love b npose Period : Fkwhom Gags unil M der you pay yaw sere New BaNnce, hbw wr l aid M New Balms an re MPa ment Due Deb stwwno tw bo b ake l r cM dib ou ow beb* dMm rt b dd t ad o l g poy smi , y y y y m s a o as . , p p v m y n o w y u p y V the New Balance by the Peyrrwt Due Ode on your current bili g sbimnsai , wewil not krpos Periodic Fivince Doges on new purchases, tot is, pcwchase fret appearing on the anent thllm sfakrrwd We al to te'gna perked.' There a no Face period on bWmm Versions or cash advances. WrM m Fiwha Charge. We wB dhlge you a mhnknum FINANCE CHARGE of $.50 for any W g period in witch Periodic Finance Charges of lea ton $ 50 woWd otherwise be nposed. Annual Fee.1 yo rAccout has an a=A in, b wB be bled at the beginning loch a nivasay yak ymAacoad Is open. The snout of the fee appars on the atelilat when the fee is bpd. The anuat to is rot nkekebb u im you notify us that you wish to dos yourAmount wNhn 30 days of the making or denary date of the ablanat on which the fee is biked. You wits receive this rolad even If you are your Card ding that period. Periodic Fivaa Charges. W sat you konsctlar fake gimps of purchase, cub adwanos, and Mom iaetas and then NOW sat fire transactions wft each group by theirAnivel PormtW Rote For ommA, pmdom subpar, b a pronsido ial ride ant punchsa alb),d b a standard raw would be sepaate groups. We refer to these groups as I erraton aoegodes. At the and of each brig paled, we emp a bWwm and Pei Fiance Charges for eedh day of the big period for each transaction ategory. We use to blowing equation b con" Periods Finance Charges for each barrcdon abbr.. (Avaaga Defy ik I ) rims (days in Wig poked) tlrrs (Defy Periodic Rae). (You rosy refer to the krona shape aorrhay on yaw big stdanaM for love snouts) Than we add up to Pwmxk Fir irce Chugs br each transaction category to gas the WW Poibilc Finance Charles for yo rAcoo nt The Average Dsiy Boom is shown a ono 1, because at the Face period, no Periodic Finance charges appy to the beams in a X904 Wo nee f hmsga Defy Beim (nendnp new karacfor) mrled dcdmftV the',boom upon which we knpoma Pablo Fkharhae Chsga We ampAt t oAvaage Dally Balsas br srdh,arsdim eMoM by mddip uP d the daily bdmn n a bbq pabd fors karhad , cft" and dlvidrp tr IDW ty temunberd days n M Wag perked Ws oornhpMe Mh ddy bairns breach kaw 11, cob" an each day by tat sddrg la blowing to the prevow dWa dely bAerm- transactions wits s Transaction Doe d fro day as dawn ash your big anbm@K uses the tmwadiom a pabd b yourAcaaun dler to does d fie big period in with k occ rs, In which ores the Yaraddal rob be added b toe d* balarhoa n d Mr drat day d tr Wag pooled n w hidh k b posted b yowAow^ bn charged tot dry and Perlada Finance Charges accrued on the previous day's dely tlalaroa; and by than abrscMp any asdno and pry w b Mw m applied agairtt the balonce of the Vormcim Magary, on fro day In ablialrhg the daily Names for Me Aral ay of to blip period, we caeida to V wAm deft ddy behince to have bun your bona for each karacrm cebM on the lest ay of your prevlow tiling period. AM fees charged b your Accou t are added b to ewtlyd prd?oes taroadi i Q,Y Wlh fh exoepim d Cats Adwmm Tnneedbn Fa FkwhaCharges Wft ore added b M M special to apoopkes, plimabloceshadvance we nv%* le unpldy hal*w bomb a bomb and f e Finance a Tr Trahadbadded Fee Finance bdaha Msta tra coca m cuss". Wtwh bdm of lie lbwsm. l11h spodal rose has been lam mM under this Ddald Rai sodim, we Nave the mpad balance of to babnce Numb OWgU mid Qo Bsisncs to dandard purchase Transfer Tivinissolon Fee Finance Charges in fho appk*Me tideroe his Was kerrClan esfepay rrrB tlr spacial undo would hove expired. For TDD (faoannualatlmt Device for No Dad) UmMm a, Oman ad 14"T-7449. Discover may hnmilor ahder record lalapim cols between you and DNmver repraterimm for qualtyr aswance purposes. The Mmover` card N issued by Discover Bank, Marta FDIC. OITBK171 New Balance Minimum Payment Due Account Number ending in 6494 DISCOVER $9,552.26 $960.00 Enter Amount Enclosed Below Payment Due Date $ 1 1 March 5, 2010 Please make check payable to Discover Card. You are overltmit. Pay the sum of the monthly minimum payment plus the overlimit amount of 10 SDSN6AO1 0014462 $452.26. HEDGE, VIRGINIA M Go paperless and make your account intonnation more secure with password- 618 WALNUT BOTTOM RD protected statements only you can access. SHIPPENSBURG PA 17257-9648 Learn more at discovercornlpaperless. PO BOX 71084 1111111111111 CHARLOTTE NC 28272-1084 Address, *-mail or telephone change? I 1111111 dill 111lnnlnln unllllnnlnn?nlnlln?ulnlnlnll Go to www.Discmw.com or print change in space above I 000001986458215636511095522600000000096000 sy 10, 2010 page 1 of 2 Opening Date: Jonuory 11, 2010 - Cloaing Date: Feb Discover Moro Card Account Summary Account number ending in 6494 Previous Balance $9,281.99 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 231.27 Other Fees t + 39.00 New Balance $9,552.26 See Finance Charge Summary section following transactions for detailed APR information Credit Line $9,100.00 Credit Line Available $0.00 Cash Advance Credit Line $0.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, we the reverse side for details. t See transaction detail for a description of any fees charged warswuc uvrsu' Anniversary Month August Opening Cashbock Bonus Balance $ 57 15 New Cashback Bonus This Period + 0.00 Redeemed This Period 57.15 Cashbadc Bows Balance - $---0.00 To learn mwe, 4 in at www.Discover.com and (elect Rewards 3 Easy Ways to Contact Us 1. Access your account securely of www.Discaver com 2. Call 1-800-DISCOVER (1.800.347.2683) Please have your Discover® card available 3. Write to in at Discover, PO Box 30943, Saft Lake City, UT 84130 For TDD (Telecommunications Device for the Deal) $>fjiellf$ 419ose call 1-804347.7449. Payment InFormation New Balance Minimum Payment Due* Payment Due Date 'Includes past due amount of $713.00 $9,552.26 $960.00 March 5, 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% variable. Minimurn Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: "It'00A " Ysxt; pay ili Ar ywsilo ,. cltai>?+ai t 3 d bafart?e >? ? ? ,?, tm? ta go : tlsia?t,?rnwl? n sst tatulof. , Ir irroi>tyn,w }ate . ?tbtitif,.. Only the minimum 44 years $42,528 payment If you would like information about credit counseling services, call 1.800.347-1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to down your balance, securely access statements, pay bills online dnd easily track all transactona Make your money worth moresm -find easy ways to earn and redeem cash rewards NEW[ Access your account securely through your mobile photo Transactions Trans. Post Date Dab Odor/Miscelloreous Feb 5 Fob 5 LATE FEE 39.00 See reverse side. DISCOVER knp& Wt' F,, etl, N Mhereb more then one pope b tlwa b7hp atalement see to back deeds page for addnmal inportant inknetion o So your CardnaaabarAgra se nt Your CerdmernberAgreamenl contains all fur *=of your Acaant Z Lad or dolm cantle. Report krsnedale yl Call 1.1110.3{7 2613. a BNNng Righb Samwyc in Case of Errors or Questions About Your IA: N you N* your bill is wrap, or 1 you need more information about a trans"c n on your bill, w1Ne to as on a S separate sheet d paper at Discover, PO Box 3D421, Sall take Cky, UT 841364411, as soon at posalbb. We must hear from you no Iaber than 60 days other we sent you to het bill on which the error or problem appeared, You can telephone us, but doing so will not preserve your rights. In your IeW give us it* following Worniallon: Your rena and Amount rwmbar. • The dolor amnmt of to suspected am • Deeatie the amok and span, N you can, why you believe lets is an error. N you reed more kdmradori, dementia to Kam you are unsure abed You do not have to pay any amount in questim while via are nveslpatng. W you are all obligated to pay ft parts of your bit that are not in ques*m 1M* we kwestigate your qiesbon, we carnet report you as delinquent or take any action to wMed The amount you question. SWW Ruls for Credit Card Purchases; If you have a problem with the Wally of goods or servion tat you purchased with a credit card, and you have led in good (silt b correct to problem %M the rnerdha t, you may not have to pay to remeiag amount due on the goods or services. YOU have ties prosecion lady when tle purchase price was more than $50 and the purchase was made in your horns stele or witn 100 rrdes of your rising address. (If we own or operate to merchant, or of we Haled you to adverbensrK for the goods or services, d purchases are covered regerdeas o (ft ~ or bcalorn of purchase.) Papmros. Sad only your pnpnent red the top portion of to sialernnt in to envelope provided. Do not send cash. By sending your deal as described above, you auAharae us to use inf ornow m your cif" to make an ateM* lend Insakr from your account at the franc ial natation indicated on your lack or in prose the papnent w a deck tian sackon. t peynent a prooaased w n elecborsc krd tanner, the bander wA be for the arount d the deck. YiNerh we use nbmm?m ken yea deck b macs n ebctrarxc krd ender, leads may be withdraw from your account as elm as the same day we receive your payment, and you cal not receive your deck back from your financial Institution. your paymert may be delayed if you sod cash, carespo dane or other lam with your paynarK, N you sand to payment to any other address or N you use an The prociaskill of envelope other than pnwklad Papnnb received in proper lam at our processing be ft by 5PM beg ate on any day will be credited to your Account as of Mat day. Payments k d r 5PM l l fi ill b d d 9 h l f li t f t l received at our prooees p o next day. oca e cra le a o you ow mrp a0ed your enve ope, send your payment b Dkwwer, PO Six aci ty a rm w to your Amoun 6103, Card Stream, S 80107-0103. Paaae allow 1-10 days for delivery N yak payrrsrK s rekrrsd uapad, ws reeene Mtn right so resubml k as n eacsoMc debt You can pay your minknum paymient or a greater amount over the kaphwne, and you can set up autornekc payments Cal us at 1-000.3474883. You will rood On aabmanl and your bank ammet khfarmeMm. YOU must ensure to su lkiard toads are awalabb in your bank eomirt, and al trnwdbra mist comply with U.S. it* You wit be asl ed to provide the lust 5 d^ of your account slaterrhent ZIP code. By entering those rnmibers a your atedrorsc sip siburc you will be agreeing to ttt authorization to allow us and yon bask to deduct each payment you atnraa tan your batik account, and to tftb debit or us & entries; to your nrtk amount. as appYratia, barred an amor In to prooepap of such payment. You cost bl us the eneurd of sash papasit or you can select an amount such as to Mi Ow Payvnad DA or the New Balance on each statement. You can coal a payment; however we mist mown notice at bast Mva buwhws days In advance d to sledded payment You may notify hs by phmm at 1 800.347-2683 or by mall 0 the address Insist In the pievicitia paragraph. N your paysreMS vary in arrhounk we will tent you on each monthly atabmant when your payment will be made and how nich it wYl be. Your subnatc peyinent anaot may be ass tan indicated on to modMy statement based on credite or psymnls applied long to bgig cycb. Credit Rpafnp V% my report informalim about your Aocounl to acct bureaus. Late payrranis, rinsed pw#nwb, or other deadly on your Account may be mulled in your audit report. your Amount to a" reporting agencies l g d 1 r fo wi a 6 Merv l on, D 850.5316. Pbns dreu- Discover, PO B 153 u de your name, oft hats Wepfnne nu nber Account mentisr. Grace Partod an Wrc aura (at lead 26 days(. Vie begs b knpose Periodic Finance Charges on ON Irensactram from to Transecton Deb for the transaction shout on your billing saknie t, elan a trarracilon is posted to your Aci murt alerte dose of to Mfr period in which it mourn, in whkh can we begin to knpose Perbrle Finance Charges an the tram cbm from to hen day of to tilling period In which it Is posted to yourAomwt Yye mntsure to repose Padodk Fnanhce Charges uns to date you pay you see New Balance 0- on your bing statement by mektrg peysnahb or receiving -ft. However, of you pail to New Briars on your previous biting swernent by the Payrtant Due Ours Mom an tW billing statement, we will rid knposa Periodic Finance Charges on new purchases, tlat Is, pudnres fired appeosq an to ouriard hang saterne t, or any portion of a now purchase, pad by the Paymand Qua Des on your arrant Ming Sbterent We cal tlts to Voice period.' Thera a w grace period on balance tamare or ash etharcm. As more fury dwmbed n to se - , dyor CadnaMaAgrownntt Neel NOW NbApply Paymats,' via generaly apply payment b yo rAowut based m to Amuel Panenlge Rata applicable b to beiance of each transaction cabgcry This mans tat N you do not pay the New Balm on to aaerK big satenwt by the Pays ant Due Dab shown on tat biting statement, then, depending on this snout of you paynrwd and to Annual Percentage Rake on other beartces. you may not get a grace patod on new punchwss. Mialnen Firahn Charge, ft will chaps you a main a FIANCE CNAROE of $.50 Jor my bang period in which Periodic Finance Charges of lees than 550 would otherwise be WP*Qd Annual Feel. N your Account has an annual fee, it will be bled at l he beginning of each anniversary yea your Amount is open. The arrant of to fee appears on the ahKentent when the lee is bled. The annual fore is not refund" unless you notlyr us that you wish to dose you Account wmn 30 days d the mating or delivery dab of tle sabrte it an which the fee is billed You will receive has mW even N you use your Cad ckukg that period Porbdb Finance Charges. We sat your transactions WWM Pe of purchases. cash advances, and balance MMM and then lather sort the irensalham w ft each pop by , purchases nlbjel to a prmpbaal rile and purchaew augeet to a sahdad rate wolm be IOPWO groups. rte refer to Mass grape as a e kaaedh Ca1g N to end e Flnanca Chagas for each ley dMa being period br each transaction category We use to equation to oarpule periodic A(Charge ; f each transaction category lo" (Avnapep Daly B eearhoa) tones (dm in ding Period) Ocoee (Deily Periodic Rsa). / o You 04aanoe Charge Suamry an yaw berg stabmard for these arnoures. Then we add up the Periodic France Chagas br each transaction category to gel the trial Periodic Fnaroe Ch"m for your AOMML The Average Daily Balance a shown as zero N, because of to grace period, no Psnodc Finance Charges apply to to balance in a transaction aabgcry. The Daly Periodic Ras Is 1/98511 of ft cmaspadng Annual Feroatge Ras Yee use to Average Daly Balance (nduudig row tasachons) method d calculating ft Worn upon vltdl we kryoa Pnodic Finance Cages. IW mrrpuse, Me Average Osiy BOO for each bi nsacim cafe" by adding up al roe d* balances in a biting period for a traaaclicn category and dnidirg me IoW by ft relater of days n to b ft pagd. ft cornpde to daily balance for each trisection cate or on each da b Arel addin r to followin viou d ' bd to the d l b b f T D g y y y g p e s ay arios: g s ai y raac ma with a eb o ransaction tat y berhg a aenhmnh?w roe twm cbm a prided b yowAOmunt afW to dour d the bdig period n ouchk soars,nwith cure#w kamactmcallbe added h arrs n d dday tiling pored n which K Is Posbd b yMMM K, few charged that day and Pabdc Fna ce Charges a mnaf on to previous day s deny this daily bel to I red by t hen s ubtra cting any, - II balance, and es am applied againsit ft balance d the tremaci m cabgay, m ft day, in alaKatI g to day beleraa for the is day d ? ? to bung period, we s a clody bat have boa, you Wance for each transaction catgary on ft oust day of your previous bang period. N Jess charged b your Amount we added to to standard purchase trsamm ceapay with to viceptim of Cash Advance Transaction Fee Finance 0aeges which are added to the appicabia cash advance tremactm category and Balance Tramar Traaactim Fee Rance Charyw which are added to this appku:abb Wince transfer, kamactim category, For TM (TMarsmmrnkadoa Date for the Deaf) as alaanee, pawa call 1400.38.7141. Dsmwr may mortlor wdor record hispho a cab between you and Dsmter reprwahalm for qualy assurance purposes 02010 The Dsmver' cad Is issued by Discover Bank, Member FDIC PA0210 DISCOVER itpey+b ?] HEDGE, VIRGINIA M OV F Account number ending in 6494 page 2 of 2 Finance Charge Summary Average Daly Nominal ANNUAL ANNUAL Periodic CMMr Fee current billing n9 Period: 31 days B9ly Per Periodic Rates PERCENTAGE PERCENTAGE RATES RATES ? FINANCE Pumbaws $9,393.42 0.07942% 28.99% 28.99% $231.27 $0 Cash Advances $0 0.07942% 2899% 28.99% $0 $0 V - Variable Rate Information For You Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing statement. * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. 8543904 :Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683. DISCOVER DISCOVER New Balance Minimum Payment Due $9,805.98 $1,190.00 Payment Due Date April 5, 2010 10 SDSN6A01 0014463 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 rch 10, 2010 PO BOX 71084 111.1111111111111111111 loll CHARLOTTE NC 28272-1084 Address, *-mail or telephone change? 111 111111 111111 11111 111I111111111111I I t I111111I1111111111111I l Go to www.D6covor.com or print change in space above 000001986458215636511098059800000000119000 Opening Dale: February 11, 2010 - Closing Dole: Ma Discover More Card Account Summary Account number ending in 6494 Previous Balance $9,552.26 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Own" + 214.72 Other Fees t + 39.00 New Balance 9,805.98 See Finance Charge Summary section Following transactions for detailed APR information Credit Line $9,10000 Credit Line Available $0.00 Cash Advance Credit Line $000 Cash Advance Credit Line Available $0,00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transodion detail for a description of any fees charged WStIDacK 00rtu5- Anniversary Month August Opening Cashbock Bonus Balance $ 000 New Cashbock Bonus This Period + 0.00 Cashback sows Bulance $ 0.00 To learn more, log In at www.Discover.com and select Rewards Account Number ending in 6494 Enter Amount Enclosed Below $ Pleose make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $705.98. Go paperless and make your account information more secure with Password- protected statements only you can access. Learn more at discovercornlpaperiess. page 1 of 2 Payment Information New Balance $9,805.98 Minimum Payment Due` $1,190.00 Payment Due Date April 5, 2010 *Includes past due amount of $960.00 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 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 0 will take you longer to pay off your balance. For example: 1n? no Yew w pair a1F the : yov wdwww Cw" }adlarlcA sftoltl t1a- i?? }lpytt tN1 , ` %+1s +d ow U skowriirf in 401 tan6trl Aaw of `'!nstrdE' ; Pr+l' • abovl:..• Only the minimum payment 62 years $76,774 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.D'omer.com 1. Access your account securely at www.Discovercom Access free online tools like Paydown Planner to create a plan 2. Call-1.800-DISCOVER (1-804347.2683) to pay down yaw balance, securely access statements, fay Please have your Discovers card available bills online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Make your money worth more sm-find easy ways to earn Salt Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deal) NEWI Access your account securely through your auistance, please call 1-804347-7449. mobile phone Transactions Trans. Post Dab Other/Miscellaneous Mar 10 Mar 10 LATE FEE 39.00 See reverse side. DISCOVER Yrportrd himseatlm. b there Is moo tree one pogo to In billing afalement, see the back of each page fa additional bmportant information. 9 So yaw Cardminber Agrewnet. Your CaidmemberAgieerneid ocnWrr d to lama of your Account. or Lost or section cards. Report emredsislyl Cal 1480,UT IM i BMeg RWft Sure ry. in Case of Evros or Questions Abed Your Bill: l you think your bill is wrong, or f you need more infomatim about a tranamlon on your bill, wle b us on a se arate efwm r a D f PO B 30421 S ll L C T k p o pape reova, ore , Iry, U e a e 841M.0421, as am as posebe We mat hear from you no later ben 60 days albr we sent you the find bill on g which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your lele, gyve us the Mowing kdortnsum. ? Your new and Amount nuttier. • Tlo doter amount d tlw aspecled time $ • Desabe this error and wpten, It you can, why you beleve here le an enor, l you need more sdumatm, describe be On you are unsure about You do not love to pay any amount in grwston while we are nveelpaing, but you are sd oblgsed to pay this Perin of your bill test are rd in pre30bn.140hile we nveslgels you queslm, we cannot report you as deynquad or take any action to called the artaunl you quesum, Special Rule for Chip Card Pumleapa If you have a prablern with the Wally d goods or services that you pie c hsse0 with a credit cad, aid you two lied in good lem to correct the pvMm with the merchant, you may tat have to pay tw re uW%amen due on the goods or services. You have ties protection mty when the purchase price was more tan $50 and the purchase was made in your home stela or within 100 mks of your ririli g address. (t we own oropene tw marched, or If we mailed you tr adverYSemat for to goods or serybes, al prrdwees ore covered regadlase d the amount a baton d phrcheea) Paymrnas. Send only you papa ad and the by pardon d tk stalanent in to Walope povided. Do not send cash. By sending you check as' 11, d above, you aAhdtm us b use information on your dhek to nWw an electronic tend taste ban your accaud at to fanahcvel mMubm adicated an you died or to process the p m t as a check transaction. I payment is processad n an skctow bid WWw, tw sranallr will be for the mound of the dwck. When we ties nfonretion from your dwdd b mala an ekgrahie funs tnarrier, funds may be wld iven from your account as soon as tie sane day we reserve your paynad, and you will not receive your check back from your Nenciel institution. The pacesskg of your paym e t may be delayed f you sad cash, oaresponderae or other lams with you payment l you send the payment to arty other address or t you use an envelope other than Doom provided PWnm* recerved n proper form alca processing edify by 5PM locallerwon any day will be credlsd b yourAccaM as dtat day Paym nla recesved of err prooasskg fadky ale 5PM local leres will be aedled to yourAccount as oft* mart day t you have misplaced your envelope, sand your payment to Dlecova, PO Box 6103. Carol Streem, L 60197.6103. Please slow 7-10 days lo delivery It your payment is retuned unpaid, we reserve the"b nesudhmit it as an electrorsm debit. You can pay you nnimm paymtad or a grealer ahead over to telephone, and you can am up atbnwlc paynanb. Cal us at 1.800.347.2683. You will need to staMard and you bank account niomnatm. YOU mat arise that sufficient Gads are avalable In your bank account, end all transactions mast coney with U S. kw. You will be asked to provide the trot 5 &^ d you amount sUMmM 2lv cods. By sMlrfrg thca nuMrrs as you electronic, spnalure, you will be agreeing b ties eutar4don b slow us and your bank b deduct each paymerd ym adhaae from your bank amount, and b nilsk debit oraedd erWiee b yourbank somu nt, ae applcabk, town an error n the procemg Bauch pWrdm. You nisi tell us the annourd leach payment or you an select an emorrd nedh n the, Minnamn Pwflnw Due tube Now &Mu on ant sweened. You can Cancel a papient however we aW none notice al Must tree bushes days in advance dthe sdheduleA payment. You may noty us by phone st 1400347-2683 or by mail al tw address listed in the pravpus paragraph. N you paymnm very in a nou t, wrwl tell you an each rtartdy statement when your payment will be made ad haw much it will be. Your aAomelc payment amount may be less ten radiated on the nanny stWemad based an cedes or psymsnb applied dung the billing cycle. Cre t Repoe tta We may repad information about your Amount to credit hesitate. Lab papmrnb, relseed paymerns, or other defauls on your Aamu t may be reflected In you credit ' repro. Vila nomWy report lw sebr and psyrnad he" d your Account b mM raportrg agendas each Mori, l you belen that our report is inaccurate or inconplek, please write us at t e mowing i ldnas: Discover, PO Bon 15316, Wbriagton. DE 19850.5318 Pow Include you rnmo, address lame telepltar msrba ad Accoml number. Greece PwW an Pwdtws (at heat 2l dsyaG We begin In repose Periodic Finance Charge on al transactions from the Transaction, Della for the transaction shown on your Wing slelenrrd, unless a In nsaclon is posed b your Account ale the does of the biting period In which l occurs, in vdlch case we begin b knpose Pariodic Finance Chagas on tW Weachm nom fir Iso day of this billing period in Much it is posed b your AccounL We cenfl nts to impose Palo* Finance Cheryae unit the deb you pay your aft New, Balance shown onyar bfty sewrrwd by making pay - M a mc"v each. Huvveer, t you paid the New Balance on your previous WN satinet by tis Peyrrrd caw Dab thmYn on that biting steamek we will not ktpose Periodic Fi u ice Charges on new, padom, bat is, purduases lretappaasng onto arrant billing Wismerd, orany portion o le new purchase. paid by tw Payrnan Oise Dee on your current bON si latrnt. We cal In the grace period.' There s no pontes period on balm I anent or ash advaaes. As more f* dem bed in the section of your Cw&narbaAweemwd OW *How We Apply Payrnenb' we generally apply pop" to your Account based on the, Anael Percentage Retie applicable to be balance death baracfion allegory. This near that f you do not pay the New Balance on tlw canard Will sWemeM by the Payment Due Dan shown on the billing sWenrnt, than, depending on the rnount of your payment and the Annual Percentage Raga on other bdaaas, you may not gel a grace peiod on raw purdweee. Mkdmum Finrtoa Chaege. We will chaps you a m i ni nrn FRANCE CHARGE of S.SO Ior any W" period in winch Pwb& From C hm" of k3ea than $.50 would otherwise be kowei Annual Fee. l yourACCard has an annual fee, d wit be bled ef the beginning of each anniversary year yourAmount is apart The amount d the tie appeae onthe stele non when the fee is pled The annual fee Is nit tef nde6e unless you notify us tout you wleh to dose your Account wtldn 30 days of the mating or delivery dre of the statement on which tr tee le bled. You vW receive this retuod even 8 you two your Card dump that period Prbi k Fbom Chagas. We sort your tarexitor rib poups of purchases, cash advances, and balance Wallets and then Wear sod the tra seclim weln each grail by tlhetrAorwel Percentage Rae. For a to nple, purchases adljed to a promalonel rare and prrd am subyed to a standard rate would be separate grasps ft her so basegmps as transaction categories. At she snd leach bung pencil, we cmpu le beta ces and Parodic From Chapea bradk day d the bung period for ash tareclm cassM. We use t e following eyuabm to corn" Peadic Finance Gorges for each trarac Ion cdWy. (Avamp ) trees (days in billing period) lmee (Deily Periodic Rae). Ll You nwptea rice Charge S rmrry on your biting statement ter t es e a n uds. Then we add up Me Periodic Finance Charges for each transaction Wegory to get the Mal Peadic Finance QYwrges ter your Accont. TheAverege Daly Balance b shows as taro t, because d the grace period, no Poodic Finance Charges apply to tw balerha n a transaction category. The Daly Periodic Rate is MA511h of the corresponding Annual fticantgpe Rae ft use theAverage Deily Balace (including new transactions) nwtcd of kalanatng the balance upon which we impose Perak Fnasa Chagos ft ample t eAverage Dally Balance fa each keroactm caagay by adding up all the daily balances in a being period for a transaction caegay and dividing the told by the number of days In this being period . We mnp ile the daily balance for salt transaction category on each day by find adding On tolowing to the previous deft daily belania transactions with a transaction Dale of that day as shown on your Mlrg sbelemnt, u lees fas transaction Is posed to your Amount Aw the dose of the bnikg penbd in which d own. In whim case to Wassicleh will be added b the daily beleras as of the lest day of the blMg pebd in which it Is posed to your Amou t. fees charged toss day and Periodic Fint nos Charges accrued on the prevbw days daily balsa; and by ten aftactrg any cradle; and payments that am applied ag" to balance of the tramadon catsM on tut day In calculatin to dail balance for the Mst d f . g y ay o the bing period, we consider she Vnivious days daily balance' to low been your balsa for each tanssctlen algory on to test day d your previous billing period. Ali bas crash ad60 h p tAccount see ar alb n awed to to standard pudhase twadgn category *0 be eaaptm of Cash Advance Traradon Fee Fkwhce Charges winch we added to the caegay and Balance Tracer Tmsaclon Fee Fnna Charges which am added to tw Wpicable Wlaos Carer taaacbm category. For TOO Refscerenuntcalahs Dwla for tlw Dal) aralstrtce, please sal 1400.947.7441. Discover may matlor adlor record talebnarw ab between you and Discover representatives for gttely assurance purposes 02010 The D60NO card is issued by Dnave Bank, Member FDIC PA0210 DISCOVER trpaysro HEDGE, VIRGINIA M Account number ending in 6494 pane 2 of 2 finance Charge Summary Average currant billin eriod: 28 d Balc Daily Pudic Nominal ANNUAL CSNTAGf ANNUAL NTAGE Periodic FINANCE Other FINA g p ays nces RATE tATES NCE CHARGES Purchases $9,655.39 Cash Advances $0 0.07942% 28.99X, 28.99% $214.72 $0 - 0.07942% 28.99% 28.99% $0 $0 V . Variable Rate Information For You Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by the Payment Due Data shown on that biking statement, we will not impose Periodic Finance Charges on new purchases first appearing on this biking statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing statement. * * * ATTENTION * * * Your account is seriously post due. Payment of the amount due and arrangements for future payments should be mods immediately, 'Go Paperless and make your account information more secure with Password-Protsctsd statements only you can access. Loom more at discover.com/popedess. 8543904 QUeAWS? Visit www,Di cww.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVEK New Balance Minimum Payment Due Account Number ending in 6494 DISCOVER $10,089.31 $1,450.00 Enter Amount Enclosed Below Payment Due Date $ 1 May 5, 2010 Please make check payable to Discover Card. Minimum yment dw includes o post due amount of $1,190.00. Ph.. and Internet payments must be made by 5:00pm ET for some toSDSrta Go?andmakeyouraccount HEDGE, VIRGINIA M information more sealrewith password- 618 WALNUT BOTTOM RD pprotected statements only you can access. SHIPPENSBURG PA 17257-9648 Learn more atdiscovercoMpaperless. PO BOX 71084 Illurllrrrnnnllllrrrlrlssl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? 1111111111111I111IIllrllll111ll11r111111loll IIIloll nllllllllll Go to www.Discovw.com or print change in space above. 000001986458215636511100893100000000145000 , Opening Dale: Anc rch 11, 2010 - Cloatng um: Apnl I Discover More Card Account Summary Account number ending in 6494 Previous Balance $9,805.98 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 000 Finance Charge: + 244.33 Other Fees t + 39 00 New Balance 10,089.31 See Finance Charge Summary section following transactions for dolaiked APR information v, Lv r v page I or x Payment Information New Balance $10,089.31 Minimum Payment Due* $1,450.00 Payment Due Date May 5, 2010 * Includes post due amount of $1,190.00 Late Payment Warning: If we do not receive your minimum payment by the data listed above, you may have to pay a Iota, 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 will take you longer to pay off your balance. For example: If you would like information about credit counseling services, call 1-800.347.1121. Credit Una $9,100.00 Credit Una Available $000- Cash Advance Credit Line $0.00 Cash Advance Credit Line Available $0.00 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. t See transaction detail for a description of any fees wanucnrc uunua Anniversary Month August Opening Cashbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cushismlc bonus balance $ 0.00 To learn more, lop in al www.Dhw~.com and releet Rewards `. r .. rto +?u ?rlA pdg ?iT! lhlx i4t.: yoia ?+i f *n? _ _ ' bdlancr tr?wtn ?ws . i? ' trite z?+d talvd dlttrt>kAem+artf &t e,?ftttr,IteCf of,, antwrlA Rr+l? . cibpul.. Only the minimum 63 years $77,352 payment assistance, please call 1-800.347.7449. mobile phone Trans. Post Dale 3 Easy Ways to Contact Us Manage Your Account Online at www.Disoover.wm 1. Access your account securely at www.Discovercom Access free online fools like Paydown Planner to create a plan 2. Call 1.800•DISCOVER (100.347.2683) to y down your balance, securely access statements, pay Please have your Discover* card available bills online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 Make your money worth morel-find easy ways to earn and redeem cash rewards For TM (Telecommunications Device for the Deaf) NEWT Access your account securely through your 41v?d'1QAd Transactions CMher/Misnbanaous Apr S Apr 5 LATE FEE $ 39.00 See reverse side. DID AVER bportird Irdonmfiom t there is more bun one page b to tilling slabnre t, as the bad of each page to additional Important information 8 Sae yaw CarbMnbMAgrarnNN. Ycof CanimanberAgreemerd contains of In lerm s of yourAmoont CO Lose or eblem ands. Report immediately! Cad 1100347.2613. BUM Ridhta Summary, In Case of Errors or Questions About Your IN. I you fWtk your bi b wrong, or it you need more information about a transaction on your bill, crib to us on a g separate sheet of paper of Discover, PO Bw 30421, Sall Lake Cily, UT 6413D0421, as soon as possible. We must hew from you no Ider than 60 days alter we sent you the fiat bill on which to error or problem appeared. You can Wephone us, but doing so will not Mum your rights. in your blew, give us the following information. Your name and Account number. • The dollar ~ of the suspected wor Describe to error and w0an, t you can, why you befere there b an error. it you need mom information, describe token you are urn about You do not have to pay any ~ in question while we are nvestgiWg, bud you are ad oblgded to pay the parts of you bill that are not in question While we Investigate youir quesYau, we carrot repot you as dewquara or take wry action to collect to amount you question, Special Web for Credit Card Pamcuees: it you have a problem with the pra* of goods or services that you pudaased with a credit card, end you have tried in good bb to coed fa problem with to merchant, you may not have b pay the remekdrg ammrn due on the good or services. You have this prolemah only when the purchase pme wee more than $M and the prnchase was made in your home at* or within 100 mks of your mailing address. (If era own or opiate the me chant, or d we mated you to advertisement to to goods or servces, at purchases are covered mgardess of the amrourrt or bcdm of purchase.) Pwpwdo. Send only your payvnaa and the tap portion of ft statement in the anvebpe provided. Do rot send cash. By fending your cedt as described above, you suf alze us to use indonniab on you check to mailman der Wk kind livelier them you amount at ttw Inencial netWYon tihdic I on your duds orb process to payment ore a dwd trweacbm. If payment Is processed as an ebetioac lend taint, the tranefw wM be ter Ow aoont of the deck. Whit we use i donation from your check to make an aledrow fund transfer, funks may be withdrawn from your amount as soon a the same day we receive you paynrnl, and you will not receive your duck beck from you inancal WOluticn. The processing of you payment may be dsayed d you fend cask, oareepondaos or other Mme with your payment f you sand tw payment to any other ad I or If you use an envelope other then the one provided Payments mo*W in proper term at our process" lecky by %W bbl One on any day will be cradted to your Amount a of tit day. Payments received d our praxaskg fealty attar 5PM kuxl lime will be raadMd b yourAoooun asot tlw she d they, ti you nave ntispleced your envel, mend your payment to Discover, PO Sox ope 6103, Card Seem, IL 6D101.6163 Pleas allow 7-10 days for delivery If your payment is returned unpaid, we mum the right to resubmit k a an electronic debt. You can pay your mown rn payment or a grader amount over the telephone, and you can art up automatic psyma s. Cat us at 1400.317-2683. You will need the sldement and your balk account nforma0on. You must ensue that O M*M lends are available n yaw bark avant, and all transactions must comply with U.S law. You will be a" to provide the fiat 5 digits of your aaaan italenenI ZIP ads. By soft those n rNura a your electronic sgnsbra, you will be Missing to ft euthomiraion to allow us aif your be* bddud each paymen you authoras ham your bank acownt, and o titillate debit a aedit males b yam bank account, as applicable, low. ed an aror n ter puce s" d such peymerd. You must tell us the ~ of each payment or you can aced an amount such as the, Wiimum Payment Due or the New Balance on each statement. You can cancel a payment; hom w we must receive notice at Woad tree business days in advance of the scheduled paymet You may nobly us by phone at 14 47.2683 or by mail d the address listed In the previous paragraph. V your payments very in amount we aril lot you on each monthly statement Wm your lwym ent will be made and how much it will be. Your automate payment am0an may be tea than inndiceled on the on" statement based on aedib or payments applied during be billing cycle. Crsutt Whpor ft We may reporl nbrmation abed your Account to aed i bureaus. lsla payments. missed paymanK or other dehulb on your Account may be - A ,' in your credit normally report, ft history your Account to credit reporting agencies each monlh. I you believe fhal our m us at ter k>Nowo g address Ohcover, PO Box 16, Wiriglon, DE 1 lIB50.6316 Pi nd your name address, ome telephone nu ber and Amount number. Once Puled on purchases (at bat 21 days). We begin to impure Periodic Finance Charges on sit trvracMns from to Transaction Date for the bvaadm down on your AV sbtenent carless a traaidlon b paled b yow Acmwd alter the does of the b$N period n whtch it omm n which caawe begs b kmpose Parodic Finance Owga onled tremwadlauh from ter fistdayd to buYnp purlod n which k b paled o yourA;ooun. We oantius b nupas Parodic Fihwoe Charges until fedi es you aNre Now Dom shown onyour biBkg mtslared by wAWg papwti a modvag aadM. Nowmer, f you pdd ter New Bdsnes onyou W Aus bditig sWmriW by InayouDui Dob down on OW billing Moment we will not (pose Pabde Fnwha Charges an new puchasee, tai is, purdean Wat appearing on On current billing statement, or raw PAM of a new purdua, by #w PWmt Da Ode on yourcumard bft sbbrnent ft cat tub fe "gran pwlod' Then s n0 gnus penal onbalance raskrra or ash alvences. As more Inter of our CendnlamlbetA raerthea Wed Now WeA d Pa ments l ' M A t t n b d A th kit y Q pp y y , y paymen OWN* app o your ccou s ase nnual Paaldaga Rabe on e Y applicable to the bdaw of each avnaclim catagory. The mewr tit it you do not pay ter New Bohm on ter anent bBkg ddame t by to Payment Due Ddb shown on Bat billing eminent, then, depending on this amount of your payment and to Annual Percentage Rata an ate bulahas, you may not got a grow period on now purchases. Muhhmmn Fires Charge. We will doge you a minimum FNANCE CNAROE of 550 for any billing periods With Periodic Fiance Charges of has then 5.50 would otherse be npaed. Annual Fee. I your Account has an annual lee, It wi be billed at the begiarg of acv anniversary your your Aaarnt r open. The smamt of the feu appears on to statement when to lee m bled. The annual fee is not refadable unless you notify us the you wish to close per Amount within 30 days of the maitng or delmay deb of the statement on which the la s billed You Ad rewae has reknit even it you use your Card dung that period. Puiodk Ftignce Charges. We fart Your avracrar into groups of purchases, cash advances. and balance aarlere and titian further sat the transactions within each group by their Annual e flints, roample purchases h a s es fubded to a promotional rate ad purchases rdijed b a standard isle would be separate gmaps WO Peter to #M grails es e r o billing p neap the and transaction each we compa baiences and Panic* transaction Finance Charges for each day of the billing pied to each transaction wbpay. We use the uston toCOF Pwkxk eg M Rh Mowing Chaim for each transaction category, : (A A) lk- (days in bUM penod) fiawm (Daily Pemodic Rae). You fithmrhn Charge Summary an your billing statement fa these arroonb. Then we add tip the Periodic Finace, Charge for each transaction calego y to got the out Poodle Finance Charges for your Amount. The Average Dally Balance is shown as zero t, because of the grace palod, w Poradc Fnarhw Charges apply b ft baance In a transaction category. The Day Periodic Rate Is 1td65n of the corresponding Annual Percentage Rote We use ter Av-P Day Balace (ndodng maw transactions) method d calodali g the balance upon which we Wpm Periodic Fnarhw Charges. Wit compuis, theAverege Daly Blow lor each aaasctad category by addkg up a0 the daily balances in a biting pe od for a transaction category and dividing the otel by the number of days in to Wig period. We ampule fhe daily bdance for each transaction category on each day by Ws adding fur following to to previous day's daily baance, transactions won a Transaction Dab of IM day a sawn on you biting statement, etas the transaction is posted to your Amount Am the dome of the bSirg MW In which It scars, in which case to transaction era be added to the dally balance a of to irst day of fur btig prod in which it Is pasted to your Amout, feu charged 1W day and Periodic Finance Charges am mW on the previous days daily balance, and by tan eubtreeWg any credits and payanb that am applied Wasist the balance of to transaction category on that day. in calculating tie deity balance for the first day of fur billing period, we oadde, the 'prevbus deo daily been' to have been you balance la each transaction category on are lad day of your previous b&V period. Ali tea caged to your Account are added to fur standard purchase transaction category with the excepaah of Cash Advance Transaction Fee Finance, Cha" which are added to fur appkdb cash advance transaction calegay and Balance Tnrrler Transaction Fee Finance, Charges which we added to to applicable balance tra sar transaction category For TOD (Tdirgmrarn kidorw Dwke for the Dnq eselmdarm, phsse eat 14M.147.7440. Dlewvea may montbr adlor record telephone cats between you and Discover repaaletlva khr quality assurance piumpwes. 00010 The O mw-and is issued by Discover Bak, Wrnber FDIC PA0210 DISCOVER HEDGE , VIRGINIA M Account unt numbe e di i 6494 DISCOV ER r e en r ng n page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee billing period: 31 days Daily current n8 PK Balances Periodic Rates PERCEMAGE PERCENTAGE RATES RATES FN/drCE FINANCE CHARGES Purchases $9,923.70 0.07942% 28.99% 28.99% $244.33 $0 cash Advances $0 0 07942% 2899% 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. 8543904 Questions? Visit WWW.Discovw.com or call 1-800-DISCOVER (1-800.347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 6494 DISCOVER $10,371.49 1$11709.00 Enter Amount Enclosed Below Payment Due Date $ 1 June 5, 2010 Please make check payable to Discover Card. Minimum payment due includes a past due amount oFi1,450.00. Phone and internet payments must bs made by 5.00pm ET for same 10 SDSN6AO1 0014465 Go and make your aocou 1t HEDGE, VIRGINIA M information more secure with password- 618 WALNUT BOTTOM RD protected statements only you can access. SHIPPENSBURG PA 17257-9648 Learn more at discover.conlpaperiess. PO BOX 7 1 084 (IIr11II1r1rrrllllrrrlrlrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? I I Ilnlnrlrllnllnllllnllllnrinlrrllrllninlrrlrlllll Go to www.Discavw.cam or print change in space above. r I r 000001986458215636511103714900000000170900 Opening Date: April 11, 2010 - dosing Date: May 10, 2010 Discover More Card Account Summary Account number ending in 6494 Previous Balance $10,089.31 Payments And Credits 0.00 Purchases + 0.00 Balance Tronsfen + 0.00 Cash Advances + 0.00 Finance Charges + 243.18 Other Fees t + 39.00 New Balance 10,371.49 See Finance Charge Summary section following transactions for detailed APR information Credit Line $9,100.00 Credit Line Available $0.00 Cash Advance Credit Line $0.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side For details. t See transaction detail for a description of any fees charged. war-wac wnw Anniversary Month August Opening Cashbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashb«k Bows Balance $ 0.00 To learn more, log in al www.Discowr.com and select Rewards page of 2 Payment Information New Balance $10,371.49 Minimum Payment Due* $1,709.00 Payment Due Date June 5, 2010 *Includes past due amount of $1,450.00 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may how 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% variable. Minirrum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example: no YBfll Y.!.. Ii And * Only the minimum 63 yeah $78,168 if you would like information about credit counseling services, call 1.800.347-1121. btu a i cllatgw I?tirtd+ s4tavm ? ?Ip ? ? , ,. lliis acrd ngrl tl?Fa,#aleta 1rr 1?athnatee#to?l: ttl'„, '"rxafl'.!r'? «, ' payment Please have your Discovers card available. bills online and cosily track all transactions 3 Easy Ways to Contact Us Manage Your Account Online at www.f>hacovsr.com 1. Access your account securely of www.Discovercom Access free online toots like Paydown Pkmner to credo a plan 2. Call 1 A04DISCOVER (1-8006347-268;) to down your bakmes, securely access statements, pay 3. Write to us at Discover, PO Box 30943, Make your money worth moron-find easy ways to cam Sale Lake City, UT 84130 and redeem cash awards For TDD (Telecommunications Device for the Deaf) NEWT Access your account securely through your assistance, please call 1.804347.7449, mobile phone Trans. Post Transactions CMher/Misalloneous May 5 May 5 LATE FEE 39.00 See reverse side. DISCOVER Invortant kwwmsaon. if two is more than one page to the Wing statement, on the back of each page fa addbbnal niportsa nbmalim. r? sea your Cardmsrbsr Awasiment Your cardmbnwerAorearnem cmtalma all the Wm Of Your ACCOLML Lost or sblen cards. Report imrdaleyl Call 14W UT-2M Bong Rights Bursary, In Can of Errors or Ouesbns About Your Bill: i you twrk your bill is wrap. or t you need more infamreion about a trap sadw on your bill was to us on a 8 separate street of paper at Dboover, PO Bork 30421, Sea Lake fly, UT 841304421, as soon as possible. l4le must hear from you no Mar than 00 days a* we send you the Mat bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rho, in your War, on Us the following mlormbon: • Your name and Accent rarnber. • The dollar anount of the suspected error If you need more nfamaeon • Describe the error and woo Y you can why you believe two, is on error describe the fern you are unsure about . . , , . You do not trews No pay any anent in question while we are investigating, but you am alb othigabd b pay the pats of your bill that are not In question W vk we nvalgatv your question, we cannot report you as ddrgusnt or We any action to collect the amount you question. SpwW Rub for Cro& Card Purchases: if you have a problem with the quaNy of goods or services that you purchased wilh a credit card, and you have feted in good both b correct the problem with to merchant, you may not have to pay the renism' trout due on the goods a services. You have this protection only when the purchase prios was mare than S50 and rie puchass was made m your tame stab orwvthin 100 mks ot your makng address. (t we own or operate the merchant or i we mailed you the adverbenea for the goods or services, all phrdiaaes are covered regardless of the armed or location of purchase) Payments. Sand only your payehent and the top portion ofthis ualemnem in the envelope provided. Do not send ®h. By sending your check a described above, you authorize us to use m(amaon on your diedc to rnske an decborec fund transfer tern your account at the finands! r sWxn indicated on you check or to process the peyrrwt a; a chedd traeaction. t payment b pnoceewd n an elecbaic fund transfer, the transferwYa be for the arum of the Bieck. V4= we caw ktonnabon from your check to asks an ebcbmc land transfer, kinds may be withdrawn from your acoount as soon as the serne day we receive your peymat, and you will not mcalve your check back from your Ilmra d nstkttm. paprient may be delayed d you send cash, Cmesporici a or other Bann with your payment i you sad the payment b any other address or H you use an The your proces n o e i n e provided. Payment: received in proper lam at our processing facility by 5PM local am on any day will be credited b yourAaout as of that day. Payments received at our processing tacky after 5PM local tare will be cradled b your Account as of the next day t you have nil spla ad your envelope, sad you payment to Discover, PO Boa 6103, Card Stream, k 60197$103. Pleas allow 7-10 days for delivery, t your payment is returned unpaid, we reserve the right to resubrit It as an electronic debit. You can pay your rnktnv rn paprie t or a grader arno nt over ft Mrphne, and you can ad up sutanreac pay=*. Call is at 1 00347-2663. You will mead On stawnert and your bate account inhomhalon. You not aaure that sdiciemt lends am avat" In your bank aMWK and all tansaetime must comply WIh U S. few. You will be a" to provide the bat 5 dgk of your award alaterheht2P Cods By waving those numbers as your electronic shgnsare, you will be agreeing b the authaifeiim to dowus and your ball b decd each payment you authorise corn your bats soomra, and b kdaale debt or meta males to your bank accent, as sppicabb boor, ect an am in tiro proca•a g of such payrnart. You must 1W us the anaut of each paywnW or you can setae an amour such as the Mrhiuam Psymrnt Due or the New Balers on each strrMemt You can cnod a psymnenk however we mat rocerve notice at kart tree haneasdays in advance of the schadated paynot You may notify us by phone at IaO-34T•2683 or by Mai at ths address listed in the previous paragraph. t your payawits vary In amoral, we will tea you on each monthly stabmet win your payment will be made and taw n icn twit be. Ur aularheae paym n! wont my be less thn kdialed on the morahy statement bawd on craft or psymmmb applied durig the Wig cyde. Credo Rqm tthg. Vie may repot atomWm about you Account to crew dresue. Los pwno*, mind psyrrwrnb, or other detaWb on yourAooant may be rd cted in your uedht to cred reporting each monk 0 e ? 1 t ?? Discover. PO r 8 . DE 1 g8 16. Weave " hdude your nertieaddress us at as following address, , home blsphahe number and Account nimibar, Grace Pwbd on ParChans (at Meat 25 dayeN We begin to inpow Periodic Francs Charges an all tanwcb s from the Transaction Dab for the tnsacam Am on your billing srrment unless a tanseoton M posted to yourAcWUnt vier ft dose of the Wing period n which it comes, n which can we begin to Meow Periodic Finance Charges on that tansacam tom the Mat day of the biting WW in which orb paled to your Accotnt Vh comire b Impose Periodic Foam Charges until the dale you My your van New Balance shown on your Idig srleranad by making payments or recel ft credits. Nawam,, t you paid the New Balance on your previous. biting slaMmerht by ris Pesaro Due Dab Wow on that WMg AMenhet, we will nor inpose Pebdho Frarnce Charges an maw ptudnews, that a, purchases Mat appea.ng on the Arrant billing stelamnt or any portion or a new purchase, pad by the Psyoarnt Die Dar on your ourrenl billing stew eM we call thM the pear park d.• Them a no grace period on blocs tareMm or cash advahose. As more fully dartl0ed m to seam of your CadmnberAgreaneM tAed'Howr ft Apply Paymahls.• we generally apply paymnr to your Amount based on the Moral f cartage Rob applicable b the balance of each taueaoton eslegoyr. This mans that t you do not pay the New Barra on the omeot felling statement by the Payanaht Due Dar dawn on that Ming stalerhnt, than, dspendlrg on the ~of your payment and the Am W Percentage Rata on other bate im, you may not get a grace period on raw padhaea. Minimums Finance Charge. We will charge you a minimurn FINANCE CHARGE of 5.50 br any bung period in which Periodic Franca Charges of less thn $.50 would Cthewiee be kA-W. Annual In If yokrAeon# has an araaal lee, 6 will be billed at the begrmN of each anniversary, year your Account is open. The arnowl of the fse appear on the dabmnt whin the be is billed. The annual re is not relndable unless you natty us than you wish to dose your Account witch 30 days of the mailing or delivery date of the stallaMarnt on which the tea is billed You will receive this refund even d you use your Card dung that period PwW* Fkwhee Chargw. We sat your transactions into groups of purchases, cash advances, and balance Vendare and then lrther sot the tr91 weliens w*m each group by their Annual Percentage Ran. For esarrple, purdwsa subject b a promotional rate and purdhawe subject to a standard rte would be aeperab groups War refar to than groups as transaction alegorks At the and of each tilling period, we conip{tB balances and Parodic Finance Charges br each day of the bung padod for each transaction compy We use the lolbwng walon b corrpuls Perlock Fnnoe Charges for each transaction categcry (A gl?oss) Mmes (days in billing period) W- (Daly Periodic Rant). ?hwhcs Charge B PyM an your Wlrg statana t for than wrrhomr. Then we add hp the Periodic Firm Cnryse for each Cara ctim category to got the Octal Psnodle Firiance Charges tensor category The Daly for yo r Rant n 1The AA ? Balance Is clown a zero t, because of the gets period, no Penodc Finance Charges apply to the balance in a Mth of On corresponding Arend Percentage Rao We cos toAverags Doty Balance (coding new transactions) metlhod of talcuMtrg the balance upon which we npose Periodic Finance Charge. YYb oo pule the Average Daily Balance for each Waaadon COMM by adding up all the daily, bdwm in a billing period br a transaction c*M and &**q the brl by the number of days in the bbq pond. YYO corrpate the daily balance for each tnaactlm cabpay on each day by first adding No lok wag to the prems deft daffy baance; transactions with a Trarm bon Data of that day as sham n your tiring etatarsent unless the tar c1lon b posted loyourA eco rt agar she clow alire Wang period n whim t oce rs, In which care rie l aeeoim will be added to N*d* d On de t» I> deri der balance. as nythensar>? m and pay°? na? Matt area applied ed ? ao taiaey'a` ria balance of the and an that day. In ahIn fyrrgaa on the billing period, we cor lder ft •gevous days daily balance' to have been you balance for each tratrarmaellon nsaction cacategory t tut d cdmtlaMg On belly balance for the Met day of category on the hat day of your previous billing period. All fees charged to yourAtoount are added b the strdard purchase taneaLeGn eft" %M the a ceptimn of Cal Advance Tmnsedbn Fee Finance Charges With are added to the applicable cash advance ttarsacion ca" and BeMna TrnsMr Transaction Fee mane Charges With are added to the apptCabls balance transfer transact who category. For TDD (Tel cnsaarnbatlons Dwla far the Goo awlstana, Owned 14W W.7449. Discover may nankf adlor record letephome ale between you and Dbowa represahrtva for qualiy assurance purpose C2010 The Dlecovas card is issued by DMwver Bank, Member FDIC PA0210 u pays ro HEDGE, VIRGINIA M DISCOVER Eff Account number ending in 6494 page 2 of 2 Finance Charge Summary Nominal Other Average Daly ANNUAL ANNUAL Periodic Fee Daily Per. c PERCENTAGE E F MANICIE current billing period 30 days ? ).v3 Rates atss RATES ATES R RATES ONGES CHARGES Purchases $10,206.36 0.07942% 28.99% 28.99% $243.18 $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. 8543904 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER New Balance Minimum Payment Due Account Number ending in 6494 $10,668190 51,983.00 Enter Amount Enclosed Below Payment Due Date July 5, 2010 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum ent plus the overlimit amount of $1,568.9 10 S0SN6A01 0014466 HEDGE, VIRGINIA M 618 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-9648 Address, e-mail or telephone changel Go to www.Discover corn or print change in space above. Go paperless and make your account information more secure with password- protected statements only you can access Learn more at discover corrdpapedess. PO BOX 71084 I?IurI{nnn????nn?r?nnl CHARLOTTE NC 28272-1084 1rr1ri111111n1rilu1111rBill 11n1rr1rrIf IuII 000001986458215636511106689000000000198300 Opening Date: May 11, 2010 - Closing Dale: June 10 Discover More Card Account Summary Account number ending in 6494 Previous Balance $10,371.49 Payments And Credits 000 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 258.41 Cither Fee: t + 3900 New B e 10,668.90 See Finance Charge Summary section following transactions for detailed APR information Credit Line $9,100.00 Credit Line Availoblee- $0.00 Cash Advance Credit Line $0.00 Cash Advance Credit Line Available $000 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transaction detail for a description of arty fens charged COS ac t: BonuSe Anniversary Month August Opening Cashb«k Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Carlrhack Bonus Balance $ 0.00 To learn more, log in co www.Discovor.com and slat, Rewards Lu IV page t or z Payment Information New Balance $10,668.90 Minimum Payment Due" $1,983.00 Payment Due Dale July 5, 2010 'Includes past due amount of $1,709.00 Late Paymerrt Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a kite his 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 will take you longer to pay off your balance. For example. payment , If you would like information about credit counseling services call 1.800.347.1121. yaaiiri t? .. c4ell?egi l?rpv?v p? htAdaftc4 #1i6vV4:lirr ;}xxi up 10" gtlr . . Irlg &fttel: and tbie ?di?m?t in nniinwteef festal af'.>.. etrtrdkn y+ouysesy., wlaot#;,: Only the minimum 63 years $76,761 assistance, please call 1-804347-7449. mobile phone 3 Easy Ways to Contact Us Manage Your Account Online at vwvw.Discovsr.com 1. Access your account securely at www.Discovercom Access free online lolls like Paydown Planner to create a phi 2. Call 1-800-DISCOVER {1.804347-2683) ro pay down your balance, securely access statements, pay Please have your Dixowr®card available bills online and easily track all transactions 3. Writs to us at Discover, PO Box 30943, teaks your money worth morel-find easy ways to earn Sale Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deaf) NEWT Acura your account securely through your Transactions Trans. Post Dale Dole Oilier/Miscellaneous Jun 5 Jun 5 LATE FEE 39 00 See reverse side. DISCOVER Yupoiihe kdonnalbn. 0 Jere is more than one pegs Was burp statament, see to back d each pope la additional Important information. Sea yourCardmeerber AWawnod. Your CardnernberAgrennsn contains all fe terms of your Aoco nt. Lost rsbhn card.. Report I mediala yl Call I-M-347-2M. BfWq Mob 8rarnwli In Case of Eno or Ouestors About Your Bill. t you fink your bill is wrong, or t you need more information about a smuclim on se your nt, wile b hs on a arate ON d a er at Di PO B 30421 S t k r p p p ak , scover, La a e Cfy, In 81130.0421, as soon as PMW We most hear from you no oar than 60 days afar we seal you to Will bill on vthndn the errs or problem appeared. You can tehplnae as, but doing so will not preserve your rights. In your . 9h'e u9 the folbwvg nfonnesorh: r Your name and Arxuwt rurnber. The doter arount d fe supected ertor Describe the error and capon, t you can, why you believe taro is an error. I you need mac inlonnwm, describe to cram you are unsure above. You do not have to pay any arno nt in gnedori while via are nveatpallng. but you we stfi dAgeW to pay the pat of your bbl fiat are not in question. While we kwastgass your question, was can. report you as delinquent or We any action to collect fe amount you question. tipsdk Ruh for Credit Card Pu diven: 9 you have a problem with the quality of goods or services that you purchased with a credit cad. and you have bled In good Is* b coned the problem with to nerdhat• you may not have to pay the rareiwag amowit due on to goods or services. You have live prolacton only when to pichase price in more tan $50 ail tae purchase wee made in your hone stile or willm 100 min of your meting address. (If we own or operate 1e morchasl or t we maned you to advertsanad for to goods or savior, all purchases are Cowered nigardless of the anourt or location of pcrchase.) Pay mill. Send only your payment and to top portion of fns shamed in tle envelope provided. Do not sad rash By sending your deck an described above, you aNncrae as to use nfon aeon an your dedc b make an eledioNC bind kanstr ion your account at the financial vi t "n kAbd on your deck or b process the payinad as a deck karead'ion. I payment is proonse4 ae an aleriravc And transfer, to trmebr will be for the amount ate tack When we use Information from your deck ID maim an oil P ,rnc fund transfer , funds may be windrawn Aom your account as som as to same day we receive your payment, and you will not receive your dad back from your financial i slaAbn. The processing of your payment may be delayed t you mid cash, odrespcndahce or other items wife your payment, if you send Me payment to any other address or f you use an ernebpe clear turn to one provided. Peyrn" Moored n props Aron at our proceesvp facility by 5PM Mal time on any day will ba cradled b yourAccourht asa fat day. Payments received at our prooesWV adky after 5PM local !rte vet be as" b your Account as of the next day. f you have Misplaced you eevelo)e, send yw payment o Discover, PO Box 6103. Carol Stream. IL 6WfI-SM Phase allow 1-10 rays for delivery t your payment is returned unpaid, was reserve to right to resubmit it as an eledragc debit. You can pay your nealmm peymerd or a gMNx amount over to WWow, end you can $al up aulonisk payrmrhb. Cal us at 1-347-2883. You will need the stearne t and your bank sow" nbma0on. You must own to sultdaM Mils we avaable in your bank account, and all transactions must comply with U.S. low. You will be a" to provde to fiat 5 d 9fs of your account statement ZIP code. By witaft tioee numbers as your ahciarla signabro, you will be agreeing to this a ilhorketim b stow us and your bank b deduct each payment you a llgeuae kom yaw baalc account and b nNiele debll a sect entries b your bank account, as applicable, boon an worm to proceeskg a audn pay merd. You mint let us ft mount of each payment or you can select an amount such as the Mnimum Payment Due or this Now Balance on eedh statement. You can cancel a payment however we met receive notice at least tree buelnees days in edonoe d to scheduled psynerl You may niody as by Owe at 1.80!1.347.2883 or by and d fe address killed in the reVraus p paragraph. f your payment vary in erliorshl we will at you on each madly stia rnal Ow your payment will be made and how much a veil be. your subnatlc psyment smDen may be less tlan ndbsled on to monthly, sale mad based on aednb or payments applied duke to killing cycle. C" Rspwft the aay report rddmWm about yorAccouq b o:aea bream. Late prp mrht, rtnesed payment, orother deaWle on yo rAcc urnt maybe mkcM in your sea reps nary report le #M and pwW htlory of pxA=urA b sea Mpa1Yg Mutt each nxrfn. f you believe that our report is na c rate or IwroNe, please wills lofowkg address' Dieoom PO Burk 15316 Wialngton DE 198505318 Pe kn kd dd , . . . . c e your name, a ress, ham telephone nrrber ad Account nunhber. Duce Pedod an Purchaan (k leek 25 days). We bepn to wpm periodic Film Charges on all Waroaetam km the Transaction Oars for go tramaclon dv m on your burp salami. runs a cars arbn Is posted b your Account aker Ye dose of to billing period in which it occurs. In which case we been b impose Periodic Fiance Chagas on to traeaclbn fio n to first day of the billing period In which k is postd to your Account. We corttnue b impose Periodic: Finance Car" Inks ft die you pay yaw oft New Balance ShOM on your bdip aaterrera by Mdung Pey'roas a Mosi ft aadt Hrsve, t you paid to New BWw-on your prevbas Wig salenerdby 1e payment Due Doh shown on ink bdkp sfalerrmant, we veil rho inlpo9e Periadio Frnahce Chagas m new purohesea, fat a pcrchasee tvel appeaip on the anent hNrig aalanav, a any palm d a new Wrdaoe, pad by to PAyinad Due DOW on your arras biting satamenl We calf to to Voce period.' Thee s no pace period on balance transfers or cash advances As mor . e fully de o*M n the section a your Cwdn beAo mm tits Nor WeApply Pay.,o .' we gwo*"payment b yon Amo based on1e kaw Peramap Rea applabie to to belance of each kamactm category. This means that f you do not pay the New Balance on to current billing saianeml by Me Payment Due Date shown on tut billing statement, fen, depending on to amount of your payment and the Annual Percentage Rates on other balances, you may not gN a grace period on raw purchases. 0th earn Faaice Charge. WB will charge you a mvilm rn FNANCE CHARGE of $.50 for any bang period in which Penodc Finance awlies of leas than $.50 would dha was be imposed. Annual Fa. It your Account has an areal ore, it will be billed at the begirvap of each arv*msay year yorAcoourt a open. The annwt of fe be appears on ft salemad when to ore is billed The annual fee is rd rid ndeble uniess you nobly us that you wish b dose yarAccount wift 30 days of to madi g or delivery date d the stalanmt on Much the fee a liked. You will receive to refund even if you use your Cad during that penod. Pebdk Biome Chagas. We sort your ka secbaro inbgroups of purchases, cash advances, and balance kans(as and ten Artw and the lonsectias wdiwi each pap by dwkvx el Percentage Rate. Foram", Wrchases sub)edto a ptomollonal fate and purchases subject b a saedad rate would be, ipeab groups We retie b 1eee as At the and each biling bd, we compta balances ad Periodic Finance Cho" for each day of the bft period for each trensadon pteppy We use the foilowig equatiorh to o epee fe each transaction caeppy: (Average Dally Sells-)tree (days in bAvp period) tees (pally Periodic Rat). YOU r11 rice Chanpa Surrsnary on your bang efatenhant kr these amounts. Then we did up this Periodic Film Cba es for each tra cti t t g nsa on me fort' o got to halal Perodic Finance Charges for yarAocaml The Average Day Balance is shown as zem t, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction caagory. The Daily Periodic Rob is 1y3ft d thecowaspondirg Annual Percentage Rota We use the Average Day Balance (including now hmackms), efhod d c*WmWp to bWwm upon wtkh we npkse Pwkxk Fbance Chagee. We cw" to Aw per prey Balance breach Ifaeaetior colegory by ad" Wall t e may balances in a bdr panel bra lransadion category and dnndng t a trial by l he numberof days n Ow billing Cmple the day balance for tech trance on rat or h d b f- d i ? p y on eac ay y a d ng the following b the previous daft daily balance. transecio s with a Traeactim of that day as Mom on yaw bung ealnneK unless to karsaclim Is posted to your Account afar the cove of Me billing period n which f occurs, in which case tle transaction will be added to the day balance as of the kV day of to billing period in which it is posted b your Acoaan, bee longed that day and Periodic Finance Charges accrued an the previous day's daily b l a srce; tied by tern subtracting any credit and payment tat are applied against the balance of the transaction Ctegory on toil day, In calculating the day balance for to first day of to Wiling period, to consider the 'previous days day balance' to have been your balance for each ka sectim category on I he last day of your preAous Will period. AN liess d Account added b fo standard purchase traroacom caapay with to o cepfon of Cash Advance Transaction Fee Finance Charles which am added to the applicuble cash admm transaction category and Balance Trainor Transaction Fee Finance Charges which are added b Me applicable balance transfer transaction category. FrTDO(TNeow munAd mDwbefortheDeaf)eeNatnee,plewcall 1400-W-7419. Discover may morfor aodlor record blephae cote between you and Discover representatives for quality assurance Reposes. 62010 The Dbmm$ card is issued by Diamver Balk, Member FDIC PA0210 It Pays b HEDGE, VIRGINIA M DISCOVER Account number ending in 6,494 page 2 of 2 Finance Charge Summary Nominal other Average Daily s Balances 31 da eriod t billi Daily Periodic Rohs ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RATES Periodic Fee FINANCE FINANCE CHARGES _ CAGES y . ng p curren Purchases $10,496.00 Cash Advancer $0 0.07942% 007942% 28.99% 28.99% 28.99% 28.99% $258.41 $0 $0 $0 V . Variable Rah 8543904 QUeStiOnS? Visit www.Discov*r.com or call 1-800-DISCOVER (1-800-347-2683). DISC*VER CERTIFICATE OF SERVICE I, James C Warmbrodt, hereby certify that a true and correct copy of the Amended Complaint was served on Defendant by regular U. S. Mail, postage prepaid, this day of ,- 2011, addressed as follows: Stephen Portko, Esquire Bratic & Portko 101 South Route 15 Dillsburg, PA 17019 4' FILED-OFFICE OF THE PROTHONO ARC( 1011 APR -5 PM 12: 11 CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff V. VIRGINIA M. HEDGE, Defendant : CIVIL ACTION - LAW NO. 10-5682 CIVIL TERM For Plaintiff James C. Warmbrodt, Esquire I.D. No. 42524 WELTMAN, WEINBERG & REISS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone 412-434-7955 For Defendant Stephen K. Portko, Esquire I.D. No. 34538 BRATIC & PORTKO 101 South U.S. Route 15 Dillsburg, PA 17019 Phone 717-432-9706 Defendant's Preliminarv Objections to Plaintiff's Amended Complaint Submitted by Stephen K. Portko, Esq., counsel for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff : CIVIL ACTION - LAW V. VIRGINIA M. HEDGE, Defendant TO: : NO. 10-5682 CIVIL TERM NOTICE TO PLEAD James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REISS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Attorneys for Plaintiff You are hereby notified to file a written response to the enclosed DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT within twenty (20) days from service hereof or a judgment may be entered against you. Dated: S I $L2o Stephen K. Portko, Esquire BRATIC & PORTKO 101 South U.S. Route 15 Dillsburg, PA 17019 (717) 432-9706 Attorneys for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff V. VIRGINIA M. HEDGE, Defendant CIVIL ACTION - LAW NO. 10-5682 CIVIL TERM DEFENDANT'S PRELIMINARY OBJECTIONS And now comes the Defendant, Virginia M. Hedge, by her attorneys and files the within Preliminarily Objections in accordance with Pa.R.C.P. 1028 to the Amended Complaint filed by Plaintiff Discover Bank, as follows: 1. On September 2, 2010, Plaintiff filed its original complaint in this action to collect on a purported credit card account. Except for a June 2010 statement consisting of two pages, Plaintiff failed to attach any of the written documents such as the original application, signed agreement, credit terms and charge slips. 2. Defendant timely filed preliminary objections to the complaint and, also on October 5, 2010 served Plaintiff with Defendant's First Set of Interrogatories and Defendants Request for Production of Documents. 3. On or about March 29, 2011, Plaintiff mailed its Amended Complaint to Defendant but failed to respond to or provide any answers to Defendant's discovery requests served back in October of 2010. 4. Contrary to the preliminary objections raised by Defendant to Plaintiff's initial complaint, the Amended Complaint filed by Plaintiff does not correct the major deficiencies of its previous pleading nor does the amended pleading comply with Rule 1019(1). 5. In the initial complaint, Plaintiff identifies itself in paragraph 1 as a corporation with offices at 6500 New Albany Road, New Albany, OH 43054. Plaintiff now alleges in paragraph 1 of the amended pleading that it "is a 2 corporation with offices C/O DB Servicing Corporation, 6500 New Albany Road, New Albany, OH 43054". DB Servicing Corporation is not identified in the body of the Amended Complaint and Plaintiff does not allege the relationship with this other corporation. 6. In the initial complaint, only one "Exhibit" is attached -- the account statement for June of 2010. In its Amended Complaint, Plaintiff now attaches the following documents: Exhibit "1" -- the purported application (dated 8/19/04); Exhibit "2" -- the purported "card agreement"; and Exhibit "3" -- the purported billing statements from April 10, 2007 through June 10, 2010. However, upon closer inspection, these exhibits fail to address the objections previously raised by Defendant. 7. More specifically, Plaintiff alleges in paragraph 4 of the Amended Complaint that Defendant was issued a credit card by Plaintiff on or about August 19, 2004 and that a copy of the application bearing Defendant's signature is attached as Exhibit "1". However, Exhibit "1" is not complete. Underneath the signature line on Exhibit "1" contains the following disclosure: "I have read and agree to the Important Information on the back of the letter." (emphasis added) The back of Exhibit "1" is missing so it is not clear what Defendant is supposed to have read and agreed to or what is contained in the "Important Information" and whether it included the interest rates, fees and charges. 8. In addition, Plaintiff alleges in paragraph 5 that the alleged "account is subject to the terms and provisions of a written customer agreement that has been revised from time to time." Plaintiff does not allege how many times the customer agreement has been revised or what revisions were made. Instead, Plaintiff claims that Exhibit "2" attached to the Amended Complaint is a copy of the "written customer agreement in effect on the date of Plaintiffs cause of action arose". Plaintiff does not allege when its "cause of action arose"; however, Exhibit "2" contains two dates -- "©2010 Discover Bank, Member FDIC" and "12115109 1:37:03 PM"- that are printed on the form. According to Plaintiff's allegation in paragraph 9 of the Amended Complaint, Defendant's last payment on the account was November 6, 2009, more than one month before Exhibit "2" 3 was printed. Plaintiff does not attach any of the written customer agreements "revised from time to time" that were in effect prior to November 6, 2009, when Defendant allegedly was using the account. 9. Furthermore, Plaintiff alleges in paragraph 12 of the Amended Complaint that: "Pursuant to the aforesaid customer agreement, unpaid balances on Defendant's account are subject to the addition of finance charge at the rate of 28.99% per annum." Nowhere in the customer agreement, Exhibit "2", does it specify that Defendant's account balances are subject to a 28.99% finance charge. In fact, the customer agreement contains a list of "Definitions" that includes the following: "Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rates that apply to your Account. (See page 2 of Exhibit "2", the card agreement) This document that was supposed to accompany the card and list the "Finance Charge rates" is not attached to Plaintiffs Amended Complaint and is missing from Plaintiffs Exhibit "1", the purported application signed on 8/19/04. 10. Finally, in the initial complaint the verification is signed by "James Ball" who is identified as a "Team Leader" of "DFS Services LLC". However, in Plaintiff's Amended Complaint a different person and entity is used. The latest verification is signed by "Natasha Szczygiel" who is identified as a "Legal Placement Account Manager" of "DB Servicing Corporation". Although the verification suggests that "DB Servicing Corporation" is now the "servicing affiliate for Discovery Bank, "DB Servicing Corporation" is not named or its capacity identified in the Amended Complaint filed by "Discover Bank". I• PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 11. Paragraphs one through ten are incorporated by reference as if set forth at length herein. 12. Rule 1019(1) of the Pennsylvania Rules of Civil Procedure requires that 4 where a claim or defense is based upon a writing, the pleader shall attach a copy of the writing, or the material part thereof, but if the writing or copy is not accessible to the pleader, it is sufficient so to state, together with the reason, and to set forth the substance in writing. 13. Plaintiff alleges in paragraph 4 of the Amended Complaint that: "A copy of the credit application dated 8/19/04 and bearing the Defendant's signature is attached and marked Exhibit 1 "". 14. Plaintiffs Exhibit "1" contains only the front side instructing Defendant to sign and return it. Nowhere does this form identify the Plaintiff or give any information about who is issuing the credit card, the terms and conditions of credit or the address for mailing. This document also indicates that there is more information on the back; however, Plaintiff fails to attach the "back" as part of Exhibit "1 ". At the bottom of Exhibit "1" and underneath the signature line, the following disclaimer is printed: "I understand that my credit line will be set after you have reviewed my financial information. I have read and agree to the Important Information on the back of the letter." (See Plaintiff's Exhibit "V) 15. Plaintiff's Exhibit "1" does not include this "Important Information". Instead, Plaintiff attaches an unsigned document printed more than five years later (see Exhibit "2", which contains the following identifying mark: ©2010 Discover Bank, Member FDIC). Plaintiff's Exhibit "2" does not contain the above mentioned "Important Information" but refers to a separate document known as a "Pricing Schedule" that is supposed to accompany the card. It is the "Pricing Schedule" that lists the Finance Charge rates that apply to the purported account. There is no such schedule or rates attached to Plaintiff's Amended Complaint. 16. Plaintiff fails to produce the actual and full agreement and initial statement of account that is the alleged basis for Plaintiff's cause of action. 17. Plaintiffs Amended Complaint is silent about the substance of these writings and whether each writing is accessible. 18. Plaintiff fails to include any writing or substantive documentation regarding 5 the alleged account defendant applied for on 8/19/04, the date appearing on Plaintiff's Exhibit "1" and it is impossible for Defendant to determine the "rates, fees and other costs" of the alleged account or, indeed, whether Plaintiff properly charged the agreed upon rates and fees that it billed. 19. The lack of the actual and full contract or other writing makes it impossible for Defendant to determine whether correct or allowable interest, late fees, over limit fees and other charges were being assessed. 20. Defendant cannot determine whether the claim at issue would be barred for lack of standing or failure to state a cause of action because Plaintiff attaches an ambiguous and incomplete "application" form that does not disclose the "rates, fees and other costs" and Plaintiff attaches a verification made by an entity that is not identified in the pleading. 21. Plaintiff's pleading is insufficient and should be dismissed. WHEREFORE, defendant respectfully requests that this Court dismiss Plaintiff's Amended Complaint. ll. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 22. Paragraphs 1 through 21 are incorporated by reference as if set forth at length herein. 23. The verification to Plaintiffs Amended Complaint was not made by one or more of the parties filing the complaint, but rather was made by an individual named "Natasha Szczygiel" who identifies herself as a "Legal Placement Account Manager" of "DB Servicing Corporation". DB Servicing Corporation is not a party because the Complaint identifies "Discover Bank" as the plaintiff and the verification states that: "Both DB servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services". 24. DB Servicing Corporation appears to be a separate entity collecting the alleged debt for plaintiff because the verification signed by Natasha Szczygiel also claims that: "The collection of delinquent accounts includes the right to forward the same to attorneys and/or collection agencies for collection and to file 6 suit on Discover Bank's behalf." If that is the case, then Plaintiffs Amended Complaint is deficient because it fails to plead in what capacity DB Servicing Corporation is filing the suit on Discover Bank's behalf. 25. In addition, Pa. R.C.P. 1024(c) requires that: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his information as to matters not stated upon his own knowledge and the reason why the verification is not made by a party. 26. When Plaintiff filed it initial complaint, Plaintiff attached a verification signed by "James Ball" who identified himself as a "Team Leader" of "DFS Services LLC". Defendant filed an objection to this verification because "DFS Services LLC" was not included in the caption or identified in the complaint. In the Amended Complaint, Plaintiff attaches a verification signed by yet another person and entity -- "Natasha Szczygiels" of "DB Servicing Corporation". Likewise, DB Servicing Corporation is not included in the caption or identified in the Amended Complaint. Further, the verification to plaintiffs amended complaint does not set forth the source of "Natasha Szczygiel's" information as to the matters contained in the amended complaint. Moreover, it suggests that it is DB Servicing Corporation who is filing on behalf of Discover Bank. 27. Further, there is no reason given why the verification could not be taken by the Plaintiff, Discover Bank, in light of the fact that Plaintiffs counsel had sufficient time to obtain the purported application, card agreement and statements. 28. The verification to Plaintiffs Amended Complaint is defective under Rule 1024(c). 29. The verification being defective, Plaintiffs Amended Complaint is not properly verified in violation of Rule 1024(a), and must be stricken. WHEREFORE, Defendant respectfully requests that plaintiffs' complaint be stricken. 7 Ill. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 30. Paragraphs 1 through 29 are incorporated by reference as if set forth at length herein. 31. Plaintiffs Amended Complaint fails to set forth sufficient facts as to time, place and items of special damages with specificity, as required by Pa. R.C.P. 1019(f). 32. Plaintiff alleges in paragraph 6 of its amended complaint the following: "Defendant used the aforementioned credit card to make balance transfers and to purchase goods, merchandise and services." (emphasis added) Plaintiff attaches copies of monthly statements dated April 10, 2007 through June 10, 2010. On the April 10, 2007 statement it shows that the account had a "previous balance of $0" and that on March 25, 2007 there was a "transfer of balance from 6011 0028 8076 9427" in the sum of $ 7,865.23. Plaintiff does not indicate whether this transfer was from the account that Defendant applied for on 8/19/04 (Plaintiffs Exhibit 1") or if this was another account. Plaintiffs pleading is vague and Plaintiffs exhibits contradict those allegations if, in fact, the account was opened in March of 2007 as indicated by the balance transfer of $ 7,865.23 into the account, which had a $0 balance prior thereto. 33. Furthermore, in paragraph 12 of the amended complaint, Plaintiff makes claim for interest at the usurious rate of 28.990%. However, neither the application (Exhibit 1) nor the card agreement (Exhibit "2") includes the "Pricing Schedule" for an interest rate of 28.99%. Nor does Plaintiff attach any writing prior to 2010 that indicates Defendant agreed to pay attorneys fees. 34. The Complaint does not comply with Pa. R.C.P. 1019(a), which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form". 35. As a result, Plaintiffs Amended Complaint is vague and general and does not specifically state the debt incurred or what, if any, payments are due and the nature of the charges included as part of the amount Plaintiff claims to be owed. 8 36. Under Pa. R.C.P. No. 1028(a)(2), a party may preliminarily object by way of motion to strike off a pleading due to lack of conformity to law or rule of court. 37. The substance of Plaintiff's Amended Complaint violates the Pennsylvania Rules of Civil Procedure and must be dismissed. WHEREFORE, Defendant respectfully requests that Plaintiff's Amended Complaint against them be dismissed for lack of conformity to the Pennsylvania Rules of Civil Procedure. IV. INSUFFICIENT SPECIFICITY OF A PLEADING. 38. Paragraphs 1 through 37 are incorporated by reference as if set forth at length herein. 39. Plaintiffs Amended Complaint claims the existence of a credit account and balance due thereon without alleging sufficient facts as to time, place and items of special damages with specificity, as required by Pa. R.C.P. 1019(f). 40. Plaintiffs Amended Complaint lacks sufficient specificity to apprise Defendant of the issues to be litigated and it does no allow her to adequately prepare and assert defenses to plaintiffs allegations. 41. Additionally, Defendant is entitled to more specific information to be able to answer intelligently and determine if she is even obligated for such credit card and what items she can admit and what she must contest. 42. The Amended Complaint generally asserts a breach of contract and other failures of performance against Defendant, contrary to Rule 1019(f). 43. The Amended Complaint fails to state any facts upon which the amount of damages and attorney fees may be calculated, in violation of Pennsylvania Rule of Civil Procedure 1019(a), which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form." WHEREFORE, Defendant respectfully requests this Court to dismiss Plaintiffs Amended Complaint or, in the alternative, require that Plaintiff plead 9 more specifically the averments of its complaint relating to the purported credit account, amounts claimed and the nature of the default. Respectfully submitted Dated: Stephen K. Portko, Esquire BRATIC & PORTKO 101 South U.S. Route 15 Dillsburg, PA 17019 (717) 432-9706 Attorneys for Defendant CERTIFICATE OF SERVICE HEREBY CERTIFY that a true and correct copy of the foregoing Preliminary Objections to Plaintiffs Amended Complaint was furnished by U.S. Mail, first class, postage prepaid on the dated indicated below, to: James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REISS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated: (( Stephen K. Portko, Esquire BRATIC & PORTKO 101 South U.S. Route 15 Dillsburg, PA 17019 Attorneys for Defendant 10 4 FILED-OFFICE OF THE PROTHONOTARY 2611 jUN 17 PM 2: 4 4 CUMBERLAND COUNTY IN THE COURT OF COMM(5I4*§AS' &BERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No. 10-5682 CIVIL TERM vs. AFFIDAVIT OF SERVICE OF PLAINTIFF'S ANSWERS TO DEFENDANT'S INTERROGATORIES VIRIGINIA M. HEDGE AND REQUEST FOR PRODUCTION OF DOCUMENTS Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire PA. I.D. #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#8543904 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. No. 10-5682 CIVIL TERM VIRGINIA M. HEDGE Defendant AFFIDAVIT OF SERVICE OF PLAINTIFF'S ANSWERS TO DEFENDANT'S DISCOVERY REQUESTS BEFORE ME, the undersigned authority, personally appeared James C. Warmbrodt, Esquire, who according to law deposes and says that a copy of the Plaintiff's Answers to Defendant's lnterrogator'es and Request for Production of Documents were mailed to the counsel of record listed below on Z-( day of rat- 12011: Stephen K. Portko, Esquire 101 South U.S. Route 15 Dillsburg, PA 17019 WELTMAN, WEINBERG & REIS, CO., L.P.A. Sworn to and subscri ed before e this / day of Ole- , 2011. OTARY PUBLIC COMMONWEALfh OF P61NNaYLVANIA Notarial Seal Sheila G. Bevan, Notary Public Ross Twp., Allegheny County My Commission E)phw Nov. 15, 2014 MEMBER, PENNSYLVANIA ASSOCIATION OF NOTARIES James . Warmbrodt, Esgiuutre PA I.D # 2524 WEL M N, WEINBERG & REIS CO., L.P.A. 1400 op ers Building 43 Sev th Avenue Pi sbur h, PA 15219 12) 4034-7955 CA JAL. PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) ?-j - CAPTION OF CASE (entire caption must be stated in full) vs. I/ ry , /M - }le dj e ------------------------------------------ -z. Cr, rl CD NJ No. ?6 Z C i 0 1 erm ? ` 5. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to rmjptaint, etc.): /?I l VCtCnl?r JJ' ?/ ' M i??r? (/D1Cj'V -_1 ?? ????n•n?t 1 Men P? ?l?"??l(n./?? 2. Identify all counsel who will argue cases: (a) for plaintiffs: S,wk ?f Wellman, Weinbwg & Rely Co. 1400 Koppers Bldg. (Name and AMMISkirgh, PA 15219 (412) 434-7955 I/(b) for defendants: Ste Ae,t ?,D4 ko, fly' (Name and Address) iL c) l SoA, U.S. R."k is- 3. 1 will notify all parties in writing within two days that this case has been listed for argument a oZ01A peA. kq4J AeC . GtXJU 4. Argument Court Date: A Date: 0 Z a 1 Z SUri?? C AS4, c,S1s u Print your name ?r D,j c.i've r Attorney for, A-:41 INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. +IQ.15 PA ATr-1 CERTIFICATE OF SERVICE A true and correct copy of the within Praecipe for Listing rJ been served by U.S. Mail, Postage Pre-Paid, on 3 ' of 20 1 L- upon the following: STEPHEN PORTKO, ESQUIRE BRATIC & PORTKO 101 SOUTH US ROUTE 15 DILLSBURG, PA 17019 By: DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF PLAINTIFF CUMBERLAND COUNTY, PENNSYLVANIA V. VIRGINIA M. HEDGE, DEFENDANT 10-5682 CIVIL TERM IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE GUIDO, J., MASLAND, J., AND PLACEY, J. ORDER OF COURT 01 AND NOW, this day of February, 2012, following briefing by the parties and argument en banc, we conclude that Plaintiff's Amended Complaint has satisfied all pleading requirements detailed in Atlantic Credit and Finance, Inc. v. Giuliana, 829 A.2d 340 (Pa. Super. 2003), and therefore we OVERRULE all preliminary objections. Defendant shall file an Answer within twenty (20) days of this order. By the Court, f Albert H. Maslan , J. ? James C. Warmbrodt, Esquire -?? ;z For Plaintiff ' ' y Stephen K. Portko, Esquire ter' c For Defendant :saa e5 ma,?f??( ollak?l a C= co ;?+ GO ' R IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff V. VIRGINIA M. HEDGE, Defendant TO: CIVIL ACTION - LAW c °- Y- N cn ?, NO. 10-5682 CIVIL TERM cr• ? Tr' C) a Ce% -E 5 r NOTICE TO PLEAD James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REISS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Attorneys for Plaintiff You are hereby notified to file a written response to the enclosed DEFENDANT'S ANSWER WITH NEW MATTER AND COUNTERCLAIMS TO PLAINTIFF'S AMENDED COMPLAINT within twenty (20) days from service hereof or a judgment may be entered against you. Dated: (5 Zs?C? Stephen K. Portko, Esquire BRATIC & PORTKO 101 South U.S. Route 15 Dillsburg, PA 17019 (717) 432-9706 Attorneys for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff CIVIL ACTION - LAW V. VIRGINIA M. HEDGE, : NO. 10-5682-CV Defendant DEFENDANT'S ANSWER WITH NEW MATTER & COUNTERCLAIMS TO PLAINTIFF'S AMENDED COMPLAINT 1. Denied as after reasonable investigation Defendant is without knowledge or information sufficient to form a belief as to the truth of this averment. 2. Admitted. 3. Denied as after reasonable investigation Defendant is without knowledge or information sufficient to form a belief as to the truth of this averment. 4. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in paragraph 4 of Plaintiff's Amended Complaint and therefore denies the allegations thereof. Plaintiff attaches what it purports to be a credit card application by Defendant dated August 19, 2004 but fails to attach the entire document or any other identifying documentation that demonstrates it to be the application for the account in question. Further, the account number listed by Plaintiff does not show anywhere on Plaintiff's exhibits attached to the Amended Complaint. 5. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in paragraph 5 of Plaintiff's Complaint and therefore denies the allegations thereof. Plaintiff attaches what purports to be a cardmember agreement dated 12/15/09 but fails to attach any other identifying documentation that demonstrates it to be the agreement for the account in question. Plaintiff refers to terms and provisions of a written customer agreement revised from time to time but Plaintiff fails to attach such writings and strict proof thereof is demanded at trial. 6. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in paragraph 6 of Plaintiff's Complaint and therefore denies the allegations thereof. Plaintiff fails to attach any writing that identifies an account number "xxxxxxxxxxxx8447" and Plaintiff attaches no proof that Defendant used the credit card to make balance transfers or purchases. 7. Denied. On the contrary, Plaintiff fails to attach any statement or writing indicating whether Defendant had a credit card bearing the account number "xxxxxxxxxxxx8447". Furthermore, the attached statements are for a totally different account number and do not provide any information prior to or at the opening of this new account and balance transfer in March of 2007. 8. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in paragraph 8 of Plaintiff's Complaint and therefore denies the allegations thereof. Plaintiff's allegation is vague and inconsistent because the allegation conflicts with the attachments in Exhibit 3 that show a balance transfer between two accounts neither of which have a number ending in "8447". 9. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in paragraph 9 of Plaintiff's Complaint and therefore denies the allegations thereof. Plaintiff fails to attach any writing that identifies an account number "xxxxxxxxxxxx8447". 10. Denied. Plaintiff fails to indicate the date or manner in which the purported credit card was delivered or agreed upon. On the contrary, Plaintiff failed to disclose "[t]he conditions under which a finance charge may be imposed," "[t]he method of determining the amount of the finance charge," and, "[w]here one or more periodic rates may be used to compute the finance charge, each such rate ... and the corresponding nominal annual percentage rate." 15 U.S.C. § 1637(a)(1), (a)(3) & (a)(4). 11. Denied. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in paragraph 11 of Plaintiff's Complaint and therefore denies the allegations thereof. Plaintiff fails to attach any writing that identifies an account number "xxxxxxxxxxxx8447". 12. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in paragraph 12 of Plaintiff's Complaint and therefore denies the allegations thereof. Plaintiff fails to attach any writing that identifies an account number "xxxxxxxxxxxx8447". 13. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in paragraph 13 of Plaintiff's Complaint and therefore denies the allegations thereof. Plaintiff fails to attach any writing that identifies an account number "xxxxxxxxxxxx8447". 14. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in paragraph 14 of Plaintiff's Complaint and therefore denies the allegations thereof. Plaintiff fails to attach any writing that identifies an account number "xxxxxxxxxxxx8447". 15. Denied. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in paragraph 9 of Plaintiffs Complaint and therefore denies the allegations thereof. Plaintiff fails to attach any writing that identifies an account number "xxxxxxxxxxxx8447". WHEREFORE, Defendant respectfully requests that Plaintiffs claim be dismissed, and that judgment be entered in favor of Defendant with costs and against Plaintiff. COUNT II 16. The answers contained in Paragraphs 1 - 15 are incorporated herein by reference thereto as though set forth at length herein. 17. Denied. This allegation is a legal conclusion to which no response is required. To the extent an answer may be appropriate, the allegation is denied. By way of further answer, it is denied that any valid contract exists or default thereof for the reasons set forth above and in Defendant's New Matter, which averments are incorporated by reference as if set forth at length herein; and, accordingly, Plaintiff is not entitled to the relief requested. 18. Denied. This allegation is a legal conclusion to which no response is required. To the extent an answer may be appropriate, the allegation is denied. By way of further answer, it is denied that any valid contract exists or default thereof for the reasons set forth above and in Defendant's New Matter, which averments are incorporated by reference as if set forth at length herein; and, accordingly, Plaintiff is not entitled to the relief requested. WHEREFORE, Defendant respectfully requests that Plaintiffs claim be dismissed, and that judgment be entered in favor of Defendant with costs and against Plaintiff. NEW MATTER 19. The complaint fails to state a claim upon which relief may be granted. 20. Plaintiff alleges that its claim arises out of the use of a credit card with an account number "xxxxxxxxxxxx8447"; however, Plaintiff fails to attach any writing or document that identifies this purported account. 21. Plaintiff does not state the date the account was opened or attach a complete and accurate copy of the credit card agreement; however, Defendant believes and therefore that the statements attached to Plaintiff's Amended Complaint deal with different accounts that involved a "pre-approved" credit card solicitation offering "low introductory" interest rates and no annual fees that promised a savings when compared to Defendant's existing credit accounts and offers by competitors. 22. Plaintiff Discover's promotional rate offer did not disclose material terms and limitations of the card, such as time limits on the promotional rate, circumstances that could shorten the period the rate was to be in effect or cause the rate to increase, and limits on the types of charges or balances to which the rate would apply. 23. Plaintiff Discover did not disclose fully and prominently in the promotional materials the circumstances under which the credit card agreement permitted Discover to increase Defendant's APR or fees, or take other action to increase the cost of credit. 24. Plaintiffs mailbox offer was actually a "bait and switch" or "shark in the mailbox" tactic that was designed to trick Defendant, an unwary consumer. 25. Relying upon Plaintiff's mailbox solicitation and to take advantage of the promised savings represented by Plaintiff in their "low introductory" interest rate and no annual fee account, Defendant transferred her other credit account balances only to discover thereafter that Plaintiff was actually charging interest in excess of the advertised rate and assessing additional fees that were not disclosed or authorized when the account was opened. 26. When Defendant discovered the ruse, she notified Plaintiff and canceled the account after repeated phone calls were made to Plaintiff's customer service to dispute the repeat overcharges and unauthorized fees and after being told that the charges would be reviewed and adjusted but to no avail. 27. In disregard of Defendant's verbal requests to close the account and provide an accounting, Plaintiff continued to keep the account open and continued to bill Plaintiff at a higher interest, added fees and past due penalties, contrary to what was disclosed or agreed to by Defendant. 28. More than a year after Defendant verbally canceled the account, Plaintiff filed its complaint based on a bogus account number and failed to attach any documents that would show a complete and accurate copy of the credit card application and credit card disclosures, which would have revealed the "teaser rate" and aggressive and deceptive marketing employed by Discover. AFFIRMATIVE DEFENSES Failure to State a Cause of Action 29. For a valid credit card account to exist there must be disclosure of the credit card terms in writing and integrated into the account opening process regardless of how the account is opened 30. Where there is no such disclosure and written agreement between the parties, there can be no recovery by Plaintiff for the interest and charges that were not disclosed and agreed upon. 31. The Plaintiff has not attached the disclosure of credit terms or any agreement between the Plaintiff and Defendant establishing the correctness of the account being sought in the complaint. 32. Discover fails to establish that it delivered all the "material" disclosures required by applicable law to Defendant in connection with this purported account. Failure to Provide Mandated TILA Disclosures 33. Plaintiff fails to provide the written disclosures and agreement to pay interest and other charges or fees appearing on the account. 34. Using an incomplete application form and then attaching post dated card member agreement forms to imply an agreement to pay the interest and fees provided for on a credit card issuer's statements would relieve Plaintiff from establishing the amount of interest and fees that are required to be disclosed under federal law and that are required to be included in the terms of its express agreement, potentially permitting it an unjustified windfall. 35. Plaintiff alleges that it is a corporation transacting business in interstate commerce and that it furnished consumer credit to Defendant by means of a credit card, thus, Discover admits that it is a creditor in this transaction. 36. Congress enacted TILA "to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices." 15 U.S.C. § 1601. 37. In general, the Act regulates credit card disclosures at numerous points in the commercial arrangement between creditor and consumer: at the point of solicitation and application, at the point the consumer and the creditor consummate the deal, at each billing cycle, and at the point the parties renew their arrangement. 15 U.S.C. § 1637(a)-(d). 38. Specifically, a creditor such as Discover must disclose "[t]he conditions under which a finance charge may be imposed," "[t]he method of determining the amount of the finance charge," and, "[w]here one or more periodic rates may be used to compute the finance charge, each such rate ... and the corresponding nominal annual percentage rate." Id. § 1637(a)(1), (a)(3) & (a) (4). 39. To effectuate TILA's purpose, the Act's provisions must be construed liberally in favor of the consumer and require absolute compliance by creditors. 40. TILA entrusts the Federal Reserve Board with implementation of the Act, and the agency has imposed "even more precise" disclosure requirements via Regulation Z. 41. Regulation Z required that Discover's disclosures "reflect the terms of the legal obligation between the parties." 12 C.F.R. § 226.5(c) See Official Staff Comm., 12 C.F.R. § 226, Supp. I, § 226.5(c) cmt. 1 ("The disclosures should reflect the credit terms to which the parties are legally bound at the time of giving the disclosures. The legal obligation is determined by applicable state or other law ... [and] normally is presumed to be contained in the contract that evidences the agreement."). 42. Among other things, Plaintiff Discover must make the required disclosures "clearly and conspicuously in writing." 12 C.F.R. § 226.5(a)(1).5 And, again, any disclosures must "reflect the terms of the legal obligation between the parties." Id. § 226.5(c). 43. Additional disclosures are required in monthly statements, 12 C.F.R. 226.7, when certain terms of the account agreement are changed, 12 C.F.R. 226.9(c), and before the card renewal date, 12 C.F.R. 226.9(e). 44. Because these disclosures are required to be in writing and integrated into the account opening process regardless of how the account is opened, the disclosed terms become the defacto terms of the credit card agreement that Plaintiff Discover claims it furnished to Defendant. 45. Furthermore, § 1642 prohibits the gratuitious issuance of a credit card and, instead, permits a credit card to be issued only in response to an application or request.; therefore, any such application or request is governed by the disclosure provisions of § 1637. 15 U.S.C. §§ 1637 and 1642. 46. Accordingly, it is impossible for Plaintiff to claim that it lawfully "furnished credit by means of a credit card account to Defendant" without also demonstrating that it provided to Defendant a comprehensive written document setting forth virtually all of the material terms of the account. 47. Plaintiffs claim based on breach of contract and/or unjust enrichment fails to indicate whether the original credit provider disclosed the material terms and limitations of the card, such as time limits on the promotional rate, circumstances that could shorten the period the rate was to be in effect or cause the rate to increase, and limits on the types of charges or balances to which the rate would apply. 48. Plaintiff's claim based on breach of contract and/or unjust enrichment fails to indicate whether the original credit provider disclosed fully and prominently in the promotional materials the circumstances under which the credit card agreement permitted it to increase the APR or fees, or take other action to increase the cost of credit. 49. Plaintiff Discover fails to establish that it delivered all the "material" disclosures required by applicable law to Defendant in connection with this purported account. 50. The Plaintiff, in requesting relief, claims a loss and requests judgment against the Defendant by utilizing unsubstantiated claims of accounts and losses and without showing proof to the court of the terms that reflect the legal obligation between the Defendant and Discover. Failure to Provide FDCPA Validation Notice 51. Plaintiff did not regularly attempt to verify the legitimacy of charges made on this credit card account. 52. The Plaintiff admittedly relies upon the Defendant to dispute any charge on this account, hence this affirmative defense. 53. However, the plain language of the Fair Debt Collection Practices Act ("FDCPA) 15 U.S.C. 1692g (c) states, "(c) Admission of liability. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer." 54. Defendant herein is a "consumer' within the meaning of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq., (herein FDCPA) and the Fair Credit Extension Uniformity Act, 73 P.S. § 2270.1, et seq. (herein "FCEUA). 55. The law firm of WELTMEN, WEINBERG & REIS CO., L.P.A., is a "debt collector' within the meaning of the FDCPA , and has acted at the direction of and on behalf of Plaintiff bank in the collection of an alleged debt. 56. The FDCPA obligates a debt collector, upon solicitation of payment on a consumer debt or within five days thereof, to provide a detailed validation notice to the consumer. Litigation activities by debt collectors are covered by the FDCPA. Consumer Credit Protection Act, § 809, 15 U.S.C.A. § 1692g. 57. Under the FDCPA, a debt collector is obligated to cease collection efforts until information requested by a consumer is provided. Effective notice has not been conveyed under the FDCPA to Defendant in this case, thus depriving him of the protections of the FDCPA and defeating its purpose. Consumer Credit Protection Act, § 809, 15 U.S.C.A. § 1692g. 58. Plaintiffs action should be dismissed for failure to provide a validation notice. At a minimum, Plaintiffs collection law firm was required to provide notice of the following: "Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (1977), Defendant(s) may dispute the validity of the debt or any portion thereof. If Defendant(s) do so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant(s) with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send to Defendant(s) the name and address of the original creditor if different from above." 59. Instead, Plaintiffs complaint contains a notice that if defendant wishes to defend, he "must take action within twenty (20) days after this complaint and notice are served..."; otherwise, "a judgment may be entered against you by the court without further notice...." 60. Although the FDCPA only applies to "debt collectors", the United States Supreme Court has ruled that attorneys who regularly "engage in consumer-debt-collection activity" fall within the scope of this definition. Heintz v. Jenkins, 514 U.S. 291, 115 S.Ct. 1149, 131 L.Ed.2d 395 (1995). 61. As such, the Fair Debt Collection Practices Act (FDCPA) obligates a debt collector, Plaintiffs attorneys, upon solicitation of payment on a consumer debt or within five days thereof, to provide a detailed validation notice to the consumer. Consumer Credit Protection Act, § 809, 15 U.S.C.A. § 16928. 62. The FDCPA was enacted to eliminate unscrupulous debt collection practices of consumer debts. See 15 U.S.C. § 1692. Consistent with this goal, § 1692g obligates a debt collector, upon solicitation of payment on a consumer debt or within five days thereof, to provide a detailed validation notice ("Validation Notice") to the consumer. See 15 U.S.C. § 1692g. 63. The Validation Notice must include, inter alia, an offer by the debt collector to provide information regarding the details and verification of the debt. The ease of obtaining this information allows a consumer to arm himself to challenge the claimed amount or entirety of the debt prior to making payment. Plaintiff Lacks Standing to Sue 64. Plaintiff also has not provided necessary evidence of any right to ownership of the purported account which is the basis of this claim. 65. Plaintiff does not verify its own complaint - instead, an employee of DB Servicing Corporation, a separate entity from Discover, verifies the pleading and states that she is signing as "Legal Placement Manager of DB Servicing Corporation, servicing affiliate for Discover Bank". 66. The billing statements attached to Plaintiff's Complaint as Exhibit "Y are for a totally different credit card account and do not reference Plaintiff's name "Discover Bank" but use "DISCOVER CARD", its website Discovercard.com and an address in Charlotte NC, instead of Plaintiff's address listed as New Albany, Ohio. 67. On its website, Plaintiff reveals that it participates in the issuing of securitized credit card receivables through its Discover Card Asset Backed Securitization Program. 68. The process of securitizing credit card receivables takes place when the card issuer, in this case Plaintiff Discover, sells a group of credit card receivables, such as Defendant's account, to a trust and the trust then issues securities backed by those receivables. 69. Defendant believes and therefore avers that the card balance Plaintiff claims Defendant is liable for, was previously grouped together with other customers' card balances or receivables, sold to a trust structure and packaged as an "Asset Backed Security" ("credit card ABS") that was sold to Investors. 70. In virtually all cases, a credit card ABS issuer structures its securitization to achieve a sale of the underlying receivables for accounting purposes and, in this way, the issuer can remove the assets it places in the trust from its balance sheets. 71. Accordingly, Defendant's account has gone through the securitization process and is no longer owned by Plaintiff 72. Plaintiff is not the true owner of the claim sued upon, is not the real party in interest and is not shown to be authorized to bring this collection action. 73. Upon information and belief, the credit account has been paid in whole or in part by one or more undisclosed third party(ies) who, prior to or contemporaneously with the opening of the credit account, paid the originating lender (Plaintiff Discover Bank) in exchange for certain unrecorded rights to the revenues or receivables arising out of the credit card accounts. 74. Upon information and belief and in connection with the matters the subject of paragraphs "66-73" above, Plaintiff Discover has no financial interest in the credit card account or receivables. 75. Upon information and belief, the credit card account application or agreement that Plaintiff failed to attach to its complaint was transferred to a structured investment vehicle and the revenue stream deriving from the account was eviscerated upon one or more assignments of the credit card balance to third parties and parsing of obligations as part of the securitization process. 76. To the extent that Plaintiff Discover has been paid on the underlying obligation or has no legal interest therein or in the credit card or balance, or does not have lawful possession of the credit card account, Plaintiff's allegations of possession and capacity to institute a collection action constitute a fraud upon the court. 77. The Plaintiff named in the caption lacks standing to sue because it is no longer the owner or holder of the contract, account, debt obligation or other instrument that is purportedly the basis of this cause of action. 78. The named Plaintiff has sold, assigned, forwarded, subrogated, entered into a novation of the purported contract or otherwise relinquished ownership and/or control of the account, contract, debt obligation or other instrument upon which this action is based, and has transferred the asset(s) off of its books for accounting purposes. 79. Based upon one or more of the affirmative defenses set forth herein, Defendant is entitled to a release and satisfaction of the account and dismissal of the Plaintiffs claim with prejudice. DEFENDANT'S COUNTERCLAIMS Count 1 (Violations of the FCEUA) 80. Plaintiff incorporates by reference paragraphs 1 through 79 of her Answer with New Matter as if set forth herein in full. 81. Plaintiff Discover is a "Creditor" and Defendant is a "Consumer" as defined by the Fair Credit Extension Uniformity Act, 2000, March 28, P.L. 23, No. 7; 73 P.S. § 2270.1, et seq. (herein "FCEUA). 82. The FCEUA specifically states: "With respect to debt collection activities of creditors in this Commonwealth, it shall constitute an unfair or deceptive debt collection act or practice under this act if a creditor violates any of enumerated provisions set forth in 73 P.S. § 2270.1, et seq. 83. Plaintiff violated the provisions of the FCEUA as follows: a. They have falsely represented the character, amount, and legal status of Defendant's debt, contrary to73 P.S. § 2270.4(b)(5)(ii); b. They have attempted to collect amounts that were not expressly authorized by the agreement or permitted by law, contrary to 73 P.S. § 2270.4(b)(6)(i); c. They have engaged in abusive, deceptive, and unfair debt collection practices, contrary to 73 P.S. § 2270.4(b)(5)(x); 84. Moreover, Plaintiff through its debt collector law firm have violated the FDCPA in their course of conduct with the Defendant. Plaintiff's violations include, but are not limited to, the following: a. Plaintiff directly and/or through its agents and employees, violated 73 P.S. § 2270.4(b)(5)(x) and 15 U.S.C. § 1692e by making or causing to be made false, deceptive and misleading representations to defendant in connection with plaintiffs debt collection efforts including: i. false representations as to the character, amount and/or legal status of alleged debt; ii. false representations as to the compensation which may be lawfully received by said plaintiff for the collection of alleged debt; iii. false representations and implications that defendant had committed conduct that disgraced defendant or would disgrace defendant; b. Plaintiff directly and/or through its agents and employees violated 15 U.S.C. § 1692f and 73 P.S. § 2270.4(b)(5) and (6) in their conduct with defendant by using unfair and unconscionable means to collect and/or attempt to collect debt allegedly owed by plaintiff, including: i. collection of interest, collection costs and other unidentified expenses not expressly authorized by the agreement creating the debt or otherwise permitted by law. ii. Plaintiff directly and/or through its agents and employees violated 73 P.S. § 2270.4(b)(5) and (6) and 15 U.S.C. § 1692g by failing to provide adequate notice of the plaintiff's right to challenge the validity of the alleged debt. iii. As a result of the above violations of the FCEUA and FDCPA, Plaintiff is liable to Defendant for his actual damages, including out of pocket losses and emotional distress, statutory damages of $1000.00, and costs and attorneys fees. 85. The foregoing acts and omissions of Plaintiff constitute violations of the FCEUA, including but not limited to 73 P.S. § 2270.4(b)(5) and (6) and the FDCPA, including, but not limited to, 15 U.S.C. §§ 1692c, 1692d, 1692e, 1692f and 1692g. 86. Defendant is entitled to recover statutory damages, actual damages, reasonable attorney's fees and costs. WHEREFORE, Defendant respectfully requests that Judgment be entered against the Plaintiff in the amount of: (a) Defendant's actual damages; (b) $1,000.00 statutory damages; (c) costs and reasonable attorney's fees; (d) such other and further relief as the court deems just and equitable. Count 2 (Violation of the CPL) 87. Defendant incorporates by reference paragraphs 1 through 83 above as if set forth herein in full. 88. The FCEUA provides in pertinent part: (a) By debt collectors.--It shall constitute an unfair or deceptive debt collection act or practice under this act if a debt collector violates any of the provisions of the Fair Debt Collection Practices Act (Public Law 95- 109, 15 U.S.C. § 1692 et seq.). (b) By creditors.--With respect to debt collection activities of creditors in this Commonwealth, it shall constitute an unfair or deceptive debt collection act or practice under this act if a creditor violates any of the following provisions .... 89. At all times relevant hereto, Plaintiff Discover was a "person" as defined in Section 201-2(2) of the Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73. P.S. Section 201-1 et seq. (hereinafter "CPL") 90. Plaintiff has violated the provisions of the Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73 P.S. § 201-1, et seq., by falsely representing the character, extent, and amount of Defendant's debt and the fee related to that debt, contrary to FCEUA, 73 P.S. § 2270.4(b)(5) and (6). 91. In its course of conduct set forth above, the Plaintiff directly and through his agents and /or employees violated the FCEAU concerning debt collection including but not limited to a. making or causing to be made false representations regarding the nature of the contact or communication to the Defendant; b. making or causing to be made false representations regarding the amount of the debt and/or fees legally allowed to be imposed on debt allegedly owed by Defendant; c. making or causing to be made false representations regarding the source, authorization or approval of acceleration of the debt; d. representing, directly or by implication, that certain action will be taken when such action cannot legally be taken or such action is not intended to be taken; e. causing expense to Defendant for contact or communication before the true purpose of the contact or communication is known to Plaintiff or by concealment or misrepresentation of the true purpose of the contact or communication; f. use of language and threats the natural consequence of which is to abuse, g. conveying credit information which is known or should be known to be false; and h. failure to comply with the validation provisions of the FDCPA; 92. The foregoing acts and omissions constitute unfair or deceptive and/or unconscionable trade practices made unlawful pursuant to Pennsylvania FCEAU. 93. The Plaintiff Discover has violated the provisions of the CPL with respect to Defendant by engaging in consumer-oriented acts and practices which were deceptive or misleading in a material way, and which were unfair, deceptive, and contrary to public policy and generally recognized standards of business, including but not limited to the following acts at the time it furnished credit: (a) Misrepresenting to Defendant -- or failing to inform Defendant about - - the terms of the credit account, and the nature and details of the transaction she was entering into, including but not limited to: the amount of credit, the finance charge and the costs and fees associated with the credit account ; (b) Misrepresenting to Defendant that the credit card had benefits that it did not have, or failing to inform Defendant that said transaction had little or no benefits, which did not merit entering into the transaction given the low limit, padded costs and interest rates; (c) Unlawfully assessing charges and interest that was not based on contract or permitted by law; (d) Failing to provide Defendant with the appropriate and/or accurate disclosures and notices, including but not limited to credit disclosures required by law; (e) Preventing Defendant from obtaining a copy of the application and her account history and balance; (f) Misrepresenting to Defendant that the costs and fees included each month were bona fide and reasonable and necessary for the extension of credit, or failing to inform Defendant that they were not; (g) Requiring Defendant to execute inaccurate or incomplete documents in order to open the account; (h) Effectively negating Defendant's statutory rights to rescind by failing to provide the appropriate disclosures, and/or by inducing Defendant to incur overcharges and other added fees; (i) Violating the provisions of the CPL, which requires certain disclosures in connection with open end credit transactions; and (j) Engaging in misleading sales tactics to induce Defendant to transfer his accounts without benefit and subject to increased charges. 94. Defendant reasonably relied on Discover's above-identified deceptive acts and practices, and entered into the credit card transaction that the Defendant otherwise would not have entered into but for those deceptive acts and practices. 95. Discover utilized artifice and deception to take advantage of Defendant's confusion and lack of sophistication. 96. More specifically, Discover knew or should have known that Defendant was unaware of the various charges imposed on her in the transactions and the fact that some of those charges were excessive in comparison to the introductory rate and TILA disclosures made by Plaintiff. 97. Discover engaged in questionable marketing practices when soliciting Defendant and then deliberately instituted practices that resulted in the imposition of higher fees and the addition of late fees and padded charges not disclosed. 98. While representing to Defendant that a credit card account with Discover would be advantageous, Discover omitted the material fact that it would charge substantially higher interest rates and padded fees for the credit card than what Defendant was already paying. 99. Defendant suffered loss and damages as the proximate result of Discover's above-described deceptive and unfair practices, including but not limited to excessive credit card fees and costs. 100. The Plaintiff's conduct in relation to Defendant asset forth above also constitutes deceptive conduct creating a likelihood of confusion or misunderstanding. 101. As a result of the Plaintiff's actions set forth above, Defendant has sustained ascertainable financial losses including the imposition of illegal and unwarranted charges for "interest" and collection cost on the debts, and expenses in seeking counsel. 102. Defendant is entitled to recover her actual damages, her actual damages trebled, plus reasonable attorney's fees and costs. WHEREFORE Defendant asks this Honorable Court to (a) enter judgment in favor of Defendant against Plaintiff Collector in the amount of her actual damages, plus $1,000.00 statutory damages for Plaintiffs FCEAU violations and through its agents or employees for FDCPA violations; (b) enter judgment against the Plaintiff for three times the defendant's actual damages pursuant to the Pa. UTPCPL; (c) award counsel for defendant reasonable attorneys fees and costs; and (d) grant such other relief as is just and proper. Count 3 (Fraud and Misrepresentation) 103. Defendant incorporates by reference paragraphs 1 through 102 above as if set forth herein in full. 104. The actions of Plaintiff as alleged herein were done intentionally and with the intent of Plaintiff to deceive Defendant. Plaintiff's specific statements and actions in claiming entitlement to unauthorized fees, appearing in court and requesting unauthorized interest, collection costs and fees constitute acts of fraud and misrepresentation committed by Plaintiff. Hence, Defendant is entitled to recover his actual as well as punitive damages in an amount to be proven at trial. 105. Plaintiff knowingly and intentionally concealed material information from Defendant which is required by Federal Statutes to be disclosed to the Defendant at the point of solicitation and application. 106. Plaintiff also materially misrepresented material information to the Defendant with full knowledge by Plaintiff that their affirmative representations were false, fraudulent, and misrepresented the truth at the time said representations were made. Under the circumstances, the material omissions and material misrepresentations of the Plaintiff were malicious. 107. Had Defendant known of the falsity of Plaintiff's representations, Defendant would not have entered into the transactions the subject of this action. WHEREFORE, Defendant prays that this Honorable Court grant the following relief: (a) Award her actual damages; (b) Award her punitive damages; (c) Award her compensatory damages for mental and emotional distress, humiliation and embarrassment; (d) Award her reasonable attorney's fees and costs; (e) Grant such other and further relief as it deems just and proper. V. Demand for Jury Trial 108. Defendant respectfully demands trial by jury on all Counts to which she is so entitled. Dated: 31(5 ? Z.r0 (z- Respectfully submitted, Step eh n K. Portko, Esq. BRATIC & PORTKO 101 South U.S. Route 15 Dillsburg, PA 17019 Attorney for Defendant VERIFICATION I, Virginia M. Hedge, hereby acknowledge that I am Defendant in the foregoing pleading, that I have read the foregoing, and the facts stated therein are true and correct to the best of my knowledge, information and belief. I understand that any false statements herein are made subject to penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. DATE: -`S ` )C-?- o.. ,. Virgini M. Hedge loe CERTIFICATE OF SERVICE 1 HEREBY CERTIFY that a true and correct copy of the foregoing Defendant's Answer with New Matter and Counterclaims to Plaintiffs Amended Complaint was furnished by U.S. Mail, first class, postage prepaid on the date set forth below, to: James C. Warmbrodt, Esquire Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated: 31l(Of W( Step en K. Porkto, Esq. Attorney for Defendant p IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA - .rJ DISCOVER BANK, CIVIL DIVISION Plaintiff, NO: 10-5682-CV V. VIRGINIA M. HEDGE, PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER Defendant. 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# 8543904 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, CIVIL DIVISION Plaintiff, V. VIRGINIA M. HEDGE, Defendant. NO: 10-5682-CV 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 19. Paragraphs 19 of Defendant's New Matter is a conclusions 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. 20. Admitted in part and denied in part. Paragraph 20 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. It is admitted that Plaintiff, due to typographical error, listed 8447 as the last four digits of the Defendant's account. These are, in fact, the last four digits of the Defendant's social security number as listed on his application. The last four digits of the credit card account at issue are 6494. It is strictly denied that this in any way precludes the Plaintiff from proceeding with this cause of action. Plaintiff has attached appropriate documentation to identify the account at issue. 21. Paragraph 21 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, copies of both the Defendant's dated application and the Defendant's cardmember agreement are attached as exhibits to Plaintiffs Amended Complaint. 22-23. Paragraphs 22-23 of Defendant's New Matter are conclusions 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. 24-28. Paragraphs 24-28 of Defendant's New Matter are conclusions of law to which no response is required. To the extent that a response is required, after reasonable investigation, Plaintiff is without knowledge or information sufficient to determine the truth or falsity of Defendant's averments, as matters averred are within the exclusive knowledge of parties other than this Plaintiff, and those averments are therefore denied. By way of further response, any allegations or insinuations of wrongdoing on the part of the Plaintiff are strictly denied. 29-30. Paragraphs 29-30 of Defendant's New Matter are conclusions 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. 31. Paragraph 31 of Defendant's New Matter is conclusions 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, see the cardmember agreement attached to Plaintiffs Amended Complaint. 32. Paragraphs 32 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. 33-50. Paragraphs 33-50 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. 51-63. Paragraphs 51-63 of Defendant's New Matter are conclusions 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 allegations or insinuations of wrongdoing on the part of the Plaintiff are strictly denied. 64-79. Paragraphs 64-79 of Defendant's New Matter are conclusions 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, Plaintiff objects to the Defendant raising the issue of lack of capacity to sue in New Matter. Rule 1028 requires that "lack of capacity to sue" be raised in Preliminary Objections. WHEREFORE, Plaintiff respectfully requests that this Honorable Court find in favor of the Plaintiff and against the Defendant. Respectfully Submitted, i Sarah E. Ehasz, Esquire Pa. I.D. # 86469 WELTMAN, WEINB G REIS CO., L.P.A. 436 Seventh Avenue, e 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 8543904 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 44 '2012, as follows: Stephen K. Portko, Esquire Bratic & Portko 101 South U.S. Route 15 Dillsburg, PA 17019 Sarah E. Ehasz, Esq 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# 8543904 iilE F71,10 011° iBERLA' ND COUNT'?` IN THE COURT dM&y6 1WAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, No. 10-5682 CIVIL TERM TYPE OF PLEADING: VS. PLAINTIFF'S PRELIMINARY OBJECTIONS TO DEFENDANT'S COUNTERCLAIMS VIRGINIA M. HEDGE, FILED ON BEHALF OF: Plaintiff Defendant. COUNSEL OF RECORD OF THIS PARTY: Sarah E. Ehasz, Esquire PA I.D.# 86469 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 8543904 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. VIRGINIA M. HEDGE, Defendant. No. 10-5682 CIVIL TERM PLAINTIFF'S PRELIMINARY OBJECTIONS TO DEFENDANT'S COUNTERCLAIMS AND NOW, comes the Plaintiff, by and through its counsel, Sarah E. Ehasz, Esquire and Weltman, Weinberg & Reis, CO., L.P.A., and files the following Preliminary Objections to Defendant's Amended Counterclaims: 1. Plaintiff initiated the within action on September 2, 2010 by the filing of a Complaint against the above-named Defendant seeking to recover the unpaid balance owed on a credit card account. 2. After a series of Preliminary Objections and the filing of an Amended Complaint, Defendant filed an answer containing counterclaims, to which Plaintiff is now filing preliminary objections. 3. Defendant's counterclaims assert causes of action pursuant to the Pennsylvania Fair Credit Extension Uniformity Act ("FCEUA"), the Pennsylvania Unfair Trade Practices and Consumer Protection Law ("UTPCPL"), and based upon fraud and misrepresentation. 4. Defendant's counterclaims seek actual damages, statutory damages, punitive damages and attorney's fees. 1. - FAILURE OF A PLEADING TO CONFORM TO LAW OR RULE OF COURT (PA.R.C.P. 1028(a)(2)) 5. The averments contained in Paragraphs 1 through 4, above, are incorporated herein by reference thereto as though herein set forth at length. 6. Defendant's counterclaims are based in part on allegations of conduct of third parties, including Plaintiffs counsel (See, Paragraphs 84, 91, 104), who are not parties to the within action and who have not been served pursuant to the rules of civil procedure. 7. Defendant's amended counterclaims fail to conform to law or rule of court. Pa.R.C.P. 1028(2). II. - INSUFFICIENT SPECIFICITY IN A PLEADING (PA.R.C.P. 1028(a)(3)) 8. The averments contained in Paragraphs 1 through 7, above, are incorporated herein by reference thereto as though herein set forth at length. 9. Defendant's counterclaims set forth only conclusory allegations in support of her various theories of recovery. 10. Defendant fails to set forth with specificity any facts that would establish that the statutes on which his claims are based are applicable to the relationship between the Plaintiff and the Defendant. 11. Defendant fails to set forth with specificity the manner in which Plaintiff has allegedly violated the various statutes. 12. Defendant has failed to identify specific dates, documents or actions on which his claims are based. 13. Defendant has failed to set forth a factual basis to support a recovery under any of the theories of recovery alleged in his amended counterclaims. 14. Defendant has demanded payment of her actual damages in each count of his counterclaim, but he has failed to set forth with specificity the nature and extent of any such actual damages. 15. Defendant's counterclaims lack sufficient specificity. Pa. R.C.P. 1028(a)(3). III -LEGAL INSUFFICIENCY OF A PLEADING (DEMURRER) 16. The averments contained in Paragraphs 1 through 15, above, are incorporated herein by reference thereto as though herein set forth at length. 17. Defendant has failed to state a legal or factual basis to support a separate cause of action against this Plaintiff under the FCEUA. 18. Defendant has failed to state a legal or factual basis to support a separate cause of action against this Plaintiff under the UTPCPL. 19. Defendant has failed to state a legal or factual basis to support a separate cause of action against this Plaintiff for fraud or misrepresentation. 20. Defendant has failed to set forth a legal or factual basis to support any of the damages demanded. 21. Defendant's counterclaims fail to state a cause of action. Pa. R.C.P. 1028(a)(4). WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an order sustaining its Preliminary Objections and dismissing Defendant's counterclaims with prejudice. Respectfully Submitted: WELTMAN, WEINBERG & REIS CO., L.P.A. By: v- Sarah E. Ehasz, Esquire PA I.D.# 86469 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 8543904 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, No. 10-5682 CIVIL TERM VS. VIRGINIA M. HEDGE, Defendant. ORDER OF COURT AND NOW, this day of , 2012, it is ORDERED, ADJUDGED and DECREED that the Plaintiff's Preliminary Objections filed herein be and hereby are sustained, and it is further ORDERED, ADJUDGED and DECREED that Defendant's Counterclaims be and hereby are dismissed with prejudice. By the Court, J. CERTIFICATE OF SERVICE I certify that I served a true and correct copy of Plaintiff s Preliminary Objections Mto Defendant's Counterclaims by First Class Mail, Postage Pre-Paid, on the day of [ °` rG , 2012, upon the following: Stephen K. Portko, Esquire Bratic & Portko 101 South U.S. Route 15 Dillsburg, PA 17019 By: /„ k--, " Sarah E. Ehasz, Esquire cl? J? 0??-q 3 4 0 PRAECIPE FOR LISTING CASE FOR ARGUMENT ; L; 1-4 (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within m?-iiir $61" th6Zhe " I (t ?' Argument court.)- plaintiffs Preliminary Objections to Deft's-Counterclaalm 2 ; ; Ul IT' CAPTION OF CASE (entire caption must be stated in full) DISCOVER BANK vs. VIRGINIA M. HEDGE No 10-5682 Civil Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Plaintiff's Preliminary Objections to Defendant's Counterclaims 2. Identify all counsel who will argue cases: Weltman, Weinberg & Reis Co. (a) for plaintiffs: 1400 Koppers Bldg. A,e Sarah E. Ehasz, Esquire 4 V-3-6 PTTTr' 7 1h A.1 (Name and AdV rgh, PA 15219 f1T(SAD1U2434 -74v y5 (b) for defendants: Stephen K. Portko, Esquire (Name and Address) Bratic & Portko, 101 South Route 15, Dillsburg, PA 17019 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: / July 13, 2012 Date: 05, T-A /)101 Z Print your name Plaintiff Attorney for INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. N ? 00 ??? IbSs»4? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA DISCOVER BANK, Plaintiff CIVIL ACTION - LAW C") V. VIRGINIA M. HEDGE, : NO. 10-5682-CV t3 Defendant 27 C' } —� . mc:) 711 f! . JOINT PRAECIPE TO SETTLE DISCONTINUE AND END WITH PRE"WE TO THE PROTHONOTARY OF CUMBERLAND COUNTY: By joint request of the Plaintiff and Defendant, kindly Settle, Discontinue and End with prejudice both the original action and the counterclaim in the above-captioned matter upon the records of the Court and mark the costs paid. Sarah E. Ehasz, Esquire Da Stephen K. Portko, Esquire Date Attorney for Plaintiff, Attorney for Defendant, Discover Bank Virginia M. Hedge