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HomeMy WebLinkAbout10-6734 FILED-OFFICE CF (TpH °? C 'N0TAFd,' 2C-7122 r"111 VO "i i13 E :ZL r? 1!!' 6 Cl},e ?,!1 q y S ?,LA1' p3'i J"ay IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. REGINA M LAUFFER Defendant No: 10 _ (v73q 0,1vil term 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 08471204 C A Pit CXC G _fq0j.00 on Avy e a,soo 7q IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No REGINA M LAUFFER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, DISCOVER BANK is a corporation with offices at 6500 NEW ALBANY ROAD NEW ALBANY , OH 43054 . 2. Defendant is adult individual(s) residing at the address listed below: REGINA M LAUFFER 225 HIGH MOUNTAIN RD SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX8107 . 4. Defendant made use of said credit card and has a current balance due of $5922.14 , as of June 09, 2010 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 11.240$ per annum on the unpaid balance from June 09, 2010 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 . 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the.Plaintiff prays for Judgment in its favor and against Defendant REGINA M LAUFFER INDIVIDUALLY , in the amount of $5922.14 with interest at the rate of 11.240% per annum from June 09, 2010 plus attorneys' fees of $125.00 , and costs. fames c. WELTMAN, 436 Sev Pittsb (412) 3 FAX: 2 08471 04 This law firm is a debt collector attemp our client and any information obtained EINBERG & REIS CO., L.P.A. Avenue, Suite 1400 PA 15219 7955 38-7130 A Pit CXC to collect this debt for be used for that purpose. DISCOVER N Balance Minimum Payment Due Account Number ending in 8107 $1, 061.00 Enter Amount Enclosed Below Payment Duo Date $ June 26, 2010 31 SDSN6A01 0005303 REGINA LAUFFER 225 HIGH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 PO BOX 6103 lllhrhllrrhhellunllhllnl Addre", e-mail or telephone CAROL STREAM IL 60197-6103 Goo to www.D 'a c&w.com cem or or print charge? G to change in apace above. irilui)nuhhi)11111 )hrrih)iunriiiluhhhiiriiunhiiuinu ENV LAM 000001986458214715530000000000000000106100 A Opening Daft: May 4, 2010 - Closing Dale: May 31, Discover Motiva Card Account Summary Account number ending in 8107 Previous Balance $5,922.14 Payments And Credits 5,922.14 Purchases + 0.00 Balance Trons6z + 0.00 Cash Advances + 0.00 Finance Charges + 0.00 Other Fees t + 0.00 Now Bak" .00 See Finance Charge Summary section following transactions for detailed APR information Credit line $6,000.00 -for citt-UreAvailable -------------- ----------SOHO Cash Advance Credit Line $3,000.00 Cash Advance Credit Une Available $000 t See transaction ddad for a description of any fees charged. --q.....,w v{nrYe Anniversary Month July Opening Cashback Borne Balance S 0.00 Now Coshbock Bonus This Period + 0,00 Cashback Bums Bak,. $ 0.00 To barn more, bg in at www.Dheowr aohn and caber Rewards AA,A - . - $0.00 $1,061.00 June 26, 2010 Manage Your Account Online at www.Discovw.com Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Make your money worth more sm-find easy ways to foam amdredfofomcashrswards. ---------------------------. NEWI Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely of www.0iscaver.com 2. Coll 1-800•DISCOVER (1.800.347-2683) Please have your Discovers card availabifo 3. Write to us at Discover PO Box 30943, Salt Lake City, UT 84156 For TDD (telecommunications Device for the Deal) assistance, please cat 1.800347-7449. Transactions T04" PDuub Payrnenb and Credits May 31 May 31 INTERNAL CHARGE-OFF $ -5,92214 u roe Summa --------ry ------------------------------------------------------ tnance ------- Nominal 016 current billing period: 28 days Average Daily Ji I Periodic M. ANNUAL PERCENTAGE ANNUAL PERCENTAGE Periodic Foe S70Sl; !9 Raba RATES RATES RATES Purdhases 8dMA" $0 0.03079% 11.24% V 11.24% $0 $0 .s $0 0.06573% 23.99% V 23.99% $0 $0 V - Variable Rate See reverse side. DISCOVER w,ywrw wnYrmiWll. K nee R more elan One POP 01114 0" statement. on ne back desch pop for addNUOfaI important nfonnabon. (p aaayowCatdaMANIMAgreasat YourCardnMrmhberAgreerthetconWnsall netenredyourAccont. Loot or dol n cards. Report enhedt "! Cal 1•YO UT46Y3. BIIaq Rlgha &wwwyk in Can of Enas or Qmlon s Abed You Bit: I you tlwlk your bi Is wrap, a d you need mute damatim about a Irereaction on your bA, wree to us on a separate sheet d paper at Discover, PO Box 30421, Sal take city, UT 84130A421. as soon as possible. We must hear from you no outer lion 00 days after we am you IM fast big on 8 O mM the mar or ptoblern appeared. You an lebphone us, but doog so %Al not preserve your rights. In your lelar, gave us the fdbwang ntamatbn: • YornwmeandAcoomtnumber. • Thaddramanmdthesuspededwor • Desoriba Me arts and supien. I you an, why you believe Iwo is an anti. I you need more adartsbon . describe the lent you You do not hove to pay any amount in question Owls we are iovashga", but you are sW obigabd to Pay lie Pans of your folk Ihdrare ml in Buss • Wile Me nveeEpak your question. we cannot report you as dlingnit or War any i3on baled the amount you question. Special Aulks for P ten ? Itle Cr Cad ?Pumhaaa, f you haw a problem vM in qA* of gmub or wvm mat you pscfiased wb a credit and and you have tied in good he to correct you may not Wo to ft ren" vow due an to goods or services You how ft Folecdon only Ww to Wdme Y Y and lie pwdw a m meta in you r have OW or w 100 min of your moll g addre s. (11 w* own or operate lie medw or wed mmai7ed you advert aMm for goods scuba, M purchases are covered repardlesa d nM errant er balm d phthchase.) P ? only your Palms and the by porlw of 110 statement In lie envelops pvidel Do nol sendcash. By wrong ymurdMdc as deemed above, you aunotae w to use your dock to mate an el@Mw krW "rWw from your account w lie fwamGel nftlion indicated on your deck or to process the payment as a clock to cachet I payment `Processed as an Wecbvw MA WWw. this transfer wi be for IIe amour d lie dock. Mw we use nbnnabon from your check to make an Okironc Bond aansfar, frrWs may be wi/Wrawn bum your amount n coon a IM same day we receive you pnynwu, and you will no raciw your deck back from your tl wxw newam. The plocassing of your envelope odw tw Ina payamwd may be delayed A you send ash, caaapalden ce or odw Hems wNh your payment, If your and lie payment to any over address or d you use an presided Parma received in proper form at our processing Wity by 5PM bbl *no an any day wll he asftd to your Account a of Ilat day Payments l 19PWM A baw lro!> we fl *Aff WN ggalalW-)Altt h4 -41KI2 yar[1=um as of are next day_Iyou have gWkedy- awwgpe.w !Montt to Discover, PO eox 8103, Card Susan. IL 60197-0103. Please doe 7-10 days for debvery p your Payment is rdi ied upped we reaerw 0* ngM to raeuMW a l t i . as an e ec ronic deb t You can pay your minimum wpm or a pralar amount over the Weptwne. wit you can act up a ftneac payments Cal us at 1.8003474883 You wi need the slatennt and your bank aooard Woo abal. You mot ensure Mat w5wil fonds are available in your balk account and all benaecb t l , ora mus comp y wn U S hew You Oil be asked to Pravda ne real 5 dpb of your accent statement ZIP code By er" Mae numbers as your electronic signature, you vd be agreeing to nor authorization to allow us and you to d" each bs t y pw? ?L xWto d pk r a or oed antes b your beak accent ac appkAie, b coed an error n lie praceU1nQ wch MM. YOU asst payM IM oe anwunt d sadl payment a you can selact an amount such n ft Miriam Payment Duoor nor New Balance on each sWnMrd Y r . ou can cape a payment how w we muel reoxaw rhoeee M lent Wee basrMes days in adwr w d MB s&mkkd payment You! may nobly us by plane at 1.800-347 2883 or by moo M lie addres bored in the prevbus paragraph. payrM?vey in amount, we wil lea you an each no" statement when your payment wA be made and now much t col be Y t l our au ona c payment amount may kdcdW on nor" statement based on aedlu or Payments applied ddkg lie biting cycle Credt report . Ra eeft 6 may the Npabp and ? about your Amou t to acct bureaus. Lab payments, mssed payments, or omen ddadte on yoo Account may be releded in yon sect m o at ft payer M" your Account to aedl is" agaldae earth mono. I you behave Mal our report is nawA to or inoarpbb, please veto ldbreg address Dlsower, PO Boo 15318 Winshglon DE 19850L318 e , , . rwe rum your name, addreaa, home Wepho a marber and Account number Owe Parted on Purcnaaaa (at keel 26 Boys! We begin to avow Parodic Finance Charges on all ba eaceons tan ft Trasacaon Dab for lie transaction shown on your big slManat dress a aiaaCann is poked to your Account afar to dose of lie billing period in wllch I occurs In wt4 can we begin to Im ose Panl db F'h O . p p m w" on Mw traseclion from nor *9 dayd ft ptag peiod n WO I a posted to your Accent ft coMrsM to npove periodic Finance Clhages knit lie doe you Pay your antbe New Bow" shown an your billing sta imm by making Parma or-dwg craft, However. I you paid ft New BUWha on your previous bibs makerrent by lie Payrllfd Die Dale show) t on ut bOM stalumaK we wA not bnpoee Paw* Frwme Charges an new purdMw nw is, Ptadm% Itrn appwrag m the anent bing smwmk a any porlm d a rww Purchase. Pod by to Payrem Due Deb an your arrant bimp statement WB al On Iha Vas period.' Tore a no gwe period on balance bastes or cash advances. As more N ly deersiaatl d n lie seam a your Caodnwnbr A n t di d'H g amsn e ow wenpply Payments: wa gemafy apply payments to yorAccoum booed on neAaaal Percentage fake applicable to statement, athe balance of each aaneacom category This mesa nw I you do not pay lie New Balance on lie current bitting statement by lie Payment Due Dab shown on ft b *rg depetbng on lie amount d your payment and 1* Annual Percentage Raw on other balances t , you may no got a grace panod on new purd"M Nbtneatr FTnamCe ClMlga, qua coq amp you a mhww F'WANCE CHARGE d $.50 for any (sing pared in Mach Periodic Finance Chages d less than i_50 would otwaise be nvceW, Annual Fee. I yourAcccut has an arrnw be. I wit be pled al lie beginning d each anniversary yea yea Acmnt a open. The aroum d lie fee amens on the statement when lie bae?sbi o grad Ycuadly as3ha wMhhbrloe.yo r Accou d wdhm 30 days atlhalneWgacdeayaydab d]he slalaremaaveuch Iw b J b ve I ore illed. You vid col rererw n _ e Z _ In refund own d you use your Cam dklrYg W perpd n rloft Charges. ft sort Yates transactions boo wo of per, cash advances. and balance tresfas and Mot kurtlw sort del transactions wtpn each group by rAn uel ftwilaga Rob. For wnp , Purchases W1300 to a W=OW el rate and pureha ss subted to a standard rate would b WeI ftwaction cabporw At ft end of w e separate groups We rote to nee grails as and 1011-V agh?h b omvute Pwkx Rwrw OWge$ To a baMacNorh Caleporp Finance Chagas la each day of the tdYng perod for each basadlm category, ft as the (Average Dady ce) tines (days in We petwd) Imsa (Daly Panto Rae). Baalan f ? You w Y- rz?? 9a Wimary an your Mfr statement for Hess amens. Then was add up the Perb6c Finance Charges for each eansactbn category b gut the low Pan c lnar a erg a for your Acootel The Average Daly Balance is shown as zero if. because of the gran period, no Periodic Finance Chargo transaction category The De y Periodic Rate a IMM of lie ocnespaWkgAnnual Peme Cage Rals. apply to the balance in a We use Iw Average Daly Balance (including now arsectlma) melhod of alcuWng lie balance upon whph we hose Periodic France Chagee. Vie compute IM Avenge Defy Balance for adh aansadbn category by adding tip all nw day balances in a bibg perked for a kansactlm category and dnidng the foal by ft number of days in lie bibg period. Wa compute to daily balance for each transaction category on each day by keel adding del Mkxw rev to ft d ' d il q phs p ay s a y balance. tranaCeona con a Transaction Dab of nw day as slam on your bing wekement, unless the transaction a Poked to your Account alter to doe d the b r n bMadaybeamsas dMahstdaydliebiligperiodnwenchnisposted byour Account, fees dwgedMwdayadPerin W" 9 oo:m bdcFnance ,Charges n W*h accrued dbeeft tx OM d b I s . en y wh subn*q any awes and Payrenb that and appled aganst lie bwere a nw aesecsm on that day n cWCwwnp ns risky balm for Ow W ? Ire bang perked. tta consider to •preftn days defy balance' to have bash your balance, breach Vivisection coMcategory an lie aw day of your prewbus bung papa. AN ores dMgsd to your Acco d we added to lie standard pedw w tea sacam akegay wary the wscWti n of Cash Advance Trisection Fee Fence Ch&M WuM we added applicable cash advance kasaelpn category and Balance TrwWw Transaction Fes Finance Charges Much are added a the appbcable balance trawler transaction categr to the ForTOD (TMacommunlo8omt DaNce ftr Me Oaaf) aswarartea, ptease raI 1.106347.7148. Discover may modlor wWbr record MkOw a calls between you and Discover representahves for Wahty asswanoe purposes 02010 The Dwmw& card is issued by Dacow Bank, Mwber FDIC PA0210 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 Team Leader (Name) 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# 8471204 Regina M. Lauffer 6011002170588107 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ???sttr o1 ?umbrr?r??d ^FfiCF. 7,E ::?.cF?fF o 'R M ?M CD .c -or' rn r N Co z o x'? tv _1 i Discover Bank VS. Regina Mae Lauffer SHERIFF'S RETURN OF SERVICE Case Number 2010-6734 11/17/2010 05:07 PM - Ronald Hoover, Deputy Sheriff, who being duly swom according to law, states that on November 17, 2010 at 1707 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Regina Mae Lauffer, by making known unto herself personally, at 225 High Mountain Road, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to her personally the said true and correct copy of the same. RONALD HOOVER, DEP SHERIFF COST: $64.00 November 18, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF s COUrtySuite Sheriff, Telecsuft, Inc, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION IN RE: DISCOVER BANK Plaintiff v REGINA M. LAUFFER Defendant Case Number 10-6734 PRAECIPE FOR ENTRY OF APPEARANCE ?. - n--n rn g _ ?oryry ?/ / rr Cn C } C" • y+-1 Enter my appearance on behalf of Plaintiff/Respondent, Regina M. Lauffer. Papers may be served at the address set forth below: Michael J. Csonka, Esquire Steidl and Steinberg, PC 166 S Main Street - Kerrstown Square Chambersburg, PA 17201 (717) 977-3171 Fax: (717) 491-1639 Date: 115-111 Michael J. Csonka Attorney at Law IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiffs -vs- REGINA M. LAUFFER Defendant Civil Action - Law No. 10 - 6734 CO C- - r ? ANSWER TO CIVIL ACTION FILED ON BEHALF OF Defendant COUNSEL OF RECORD OF THIS PARTY: Michael J. Csonka, 91232 STEIDL & STEINBERG, PC 166 S Main Street Kerrstown Square Chambersburg, PA 17201 (717) 977-3171 FAX: (717) 491-1639 steidlandsteinberyninnemet.net IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Civil Action - Law Plaintiffs -vs- No. 10 - 6734 REGINA M. LAUFFER Defendant DEFENDANT'S ANSWER TO COMPLAINT AND NOW, come the Defendant, Regina M. Lauffer, by and through her attorney, Michael J. Csonka, Esquire and Steidl and Steinberg, PC and sets forth as follows: 1. Admitted. 2. Admitted. 3. Denied. Strict proof of allegation is required at hearing. By way of further response, Plaintiffs have failed to provide proof of any such alleged agreement to Defendant or counsel despite numerous requests. 4. Denied. Strict proof of allegation is required at hearing. 5. Denied. Strict proof of allegation is required at hearing. 6. Denied. Strict proof of allegation is required at hearing. 7. Denied. Strict proof of allegation is required at hearing. By way of further response, Plaintiffs have failed to provide proof of any such alleged agreement to Defendant and/or counsel despite numerous requests. 8. Denied. Strict proof of allegation is required at hearing. 9. Denied. Strict proof of allegation is required at hearing. WHEREFORE, the Defendant respectfully request that this Honorable Court dismiss the Plaintiffs' Complaint. Respectfully submitted, Michael J. Csdnka, Esquire PA ID #91232 STEIDL AND STEINBERG, PC 166 S Main St - Kerrstown Square Chambersburg, PA 17201 (717) 977-3171 CERTIFICATE OF SERVICE I hereby certify that on this _,L day of J4 (w k ti f ! , 2010, I served a F true and correct copy of the foregoing document via United States mail, first class, postage pre-paid on the following: Discover Bank c/o James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REIS CO., LPA 436 Seventh Ave., Ste 1400 Pittsburgh, PA 17201 By: &: ? Michael J. Csonka, Esquire STEIDL AND SEINBERG, PC 166 S Main St - Kerrstown Square Chambersburg, PA 17201 (717) 977-3171 VERIFICATION I hereby verify that the facts set forth in the foregoing Document are true to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated: 4/4. a ,to // . j?JauAa,, Signa : Regina . Lauffe IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. REGINA M. LAUFFER, Defendant. C-) -? m[ ,. (ZI Case No.: 10-6734 ?? ' : =-'- 7 ?) C= c) MOTION FOR SUMMARY RM S ENT r FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Sarah E. Ehasz, Esquire PA ID# 86469 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8471204 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 10-6734 VS. MOTION FOR SUMMARY JUDGMENT REGINA M. LAUFFER, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $5,922.14 with interest at the interest rate of 11.24% per annum from June 9, 2010 plus attorneys' fees of $125.00, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around February 8, 2011, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she applied for, received and made use of the W W R4 8471204 credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments and/or credits, purchases and/or balance transfers and/or cash advances, and interest rates; that she has not submitted any written disputes as to billing inaccuracies; that the account accrued interest at a variable rate; that she has made no payment on the credit card since September 28, 2009; and that $5,922.14 is a correct and accurate balance on the credit card account. 7. By way of her Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $5,922.14 with interest at the legal interest rate of 11.24% per annum from June 9, 2010 plus attorneys' fees of $125.00, and, and costs. Respectfully Submitted: By: Sarah E. hasz, Esquire PA IN 86469 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8471204 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: vs. REGINA M LAUFFER COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08471204 C A Pit CXC EXHIBIT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No REGINA M LAUFFER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, DISCOVER BANK is a corporation with offices at 6500 NEW ALBANY ROAD NEW ALBANY , OH 43054 . 2_ Defendant is adult individual(s) residing at the address listed below: REGINA M LAUFFER 225 HIGH MOUNTAIN-RD SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX8107 4. Defendant made use of said credit card and has a current balance due of $5922.14 , as of June 09, 2010 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 11.240°s per annum on the unpaid balance from June 09, 2010 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11111 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 , REGINA M LAUFFER INDIVIDUALLY , in the amount of $5922.14 with interest at the rate of 11.240- per annum from June 09, 2010 plus attorneys' fees of $125.00 , and costs. James C. WELTMAN, 436 Sev Pittsb i (412) 3 FAX: 2 08471 04 This law firm is a debt collector attemp our client and any information obtained a rmb ro ,42524 EINBERG & REIS CO., L.P.A_ h Avenue, Suite 1400 PA 15219 7955 38-7130 A Pit CXC to collect this debt for be used for that purpose. Now Balance Minimum Paymer4 Account Number ending in 8107 DiSCOVEW $0.00 $1,061.00 Enter Amount Enclosed Below Payment Due Dole $ June 26, 2010 31 SDSN6AOf 0005303 REGINA LAUFFER 225 HIGH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 PO BOX 61103 lll...ll.r.rtll..t.lhllttl CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? ,?ltullunn??l.?ulrnlrElntut?ll?roul?tl?ur+tl?nln`? Go to www.D6covw.com or print change in space above. A 000001986458214715530000000000000000106100 EXHIM vpenmg uuae: may 4, W 1 V - uasang uc . may s i, Discover Motive Card Account Summary Account number ending in 8107 Previous Balance $5,922.14 PaymerMs And Credits 5,922.14 Purchoses + 0.00 Bob nce Transfers + 0.00 Cash Advances + 0.00 Finance c ranges + 0.00 Other Fees t + 0.00 Now Balance $0.00 See Finance Charge Summary section following transactions for detailed APR inforawflon Credit Line $6,000.00 -Crsdiltinw Available- - - - - - - - - - - • - - --------- $O.W. Cash Advance Credit line $3,000.00 Cash Advance Credit Line Available $000 T See transaction decal for a description of any fees charger Cashback Bome Anniversary Manth July Opening Cashback Bonus Balance E 0.00 New Coshbock Bonus This Perlod + 0.00 cashbta& Boron flalwtce $ 0100 To town rrore, log in at wwwJXscowr oom and wbd Rewards rV I V page n OF n Payment Information New Balance $0.00 Minimum Payment Due $1,061.00 Payment D. Dote June 26, 2010 Late Payn»IA Warning: If we do not receive your minimum payment by the date fisted 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 Deloult APR of 16.24% variable Manage Your Account Online at www.Discover.corn Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Make your money worth more-W ---find easy ways to earn ----andredeern cash rewards---------------------------- NEWI Access your account severely through your mobile phone 3 Easy ways to Contact Us 1. Aces your account securely at www.Dkc~.com 2. Call 1-800-DISCOVER (1-800-347-2683) Please have your Discover® card available 3. Write to us at Discover, PO Box 30943, Sak lake Cily, UT 84130 For TDD (telecommunications Device for the Deof) assistance, please cal 1.800.347.7449. Transactions Trans. Post Dab Dab Payments end Credits May 31 May 31 INTERNAL CHARGE-OFF $ •5,92214 - ------------------------------------------------------------ - f=inance Z`feorge Summary Average Daily 1-famInat ANNUAL ANNUAL Periodic Othu Fes Daisy Periodic PERCEMAGE PERCENTAGE FW current 601ing period: 28 days Down Rates RATES RATES CHARM 9M p rchases $0 0.03079% 11.24% V 11.24% $0 $0 81deZ Badwes $0 0.06573% 23.99% V 23.99% $0 $0 V - Variable Rote See reverse side. DISCOVER saporlant blermallon. 4 tare is more Ono one page to Tors sing statement. see The bath of eadn page for addbonal mportant nbmhabn. o Sw yowr Cardnem6KAwomwe. Your laadmemberApawad conteh a si the (errs d youtAcmunt. DO z toot or dolm cords. Repel arsine WW Call 1804x7-1687. o Mg Rgyhh Strewery. 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Diamvarmay monitor endbt rend teiephoe pals between you and Discover represenTeeves torqu" aswraroe proposes. 0201O The D wove& cord is slued by Osoarer Bade, Member FDIC PA0710 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# 8471204 Regina M. Lauffer 6011002170588107 r-, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Civil Action - Law ?- Plaintiffs -vs- : No- 10 - 6734 REGINA M- LAUFFER ANSWER TO CIVIL ACTION Defendant FILED ON BEHALF OF Defendant COUNSEL OF RECORD OF THIS PARTY: Michael J. Csonka, 91232 STEIDL & STEINBERG, PC 166 S Main Street Kerrstown Square Charnbersburg, PA 17201 (717) 977-3171 FAX: (717) 491-1639 steidlandste nbern!innemet-net EXH181-1p IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BASK Plaintiffs Civil Action --Law -vs- No. 10 - 6734 REGINA M. LAUFFER Defendant DEFENDANT'S ANSWER TO COMPLAINT AND NOW, come the Defendant, Regina M. Lauffer, by and through her attorney, Michael J. Csonka, Esquire and Steidl and Steinberg, PC and sets forth as follows: 1. Admitted. 2. Admitted. 3. Denied. Strict proof of allegation is required at hearing, By way of further response, Plaintiffs have failed to provide proof of any such alleged agreement to Defendant or counsel despite numerous requests. 4. Denied. Strict proof of allegation is required at hearing. 5. Denied. Strict proof of allegation is required at hearing. 6. Denied- Strict proof of allegation is required at hearing. 7. Denied. Strict proof of allegation is required at 1rwipg- Py } of i?ler respoose; P?aintiM have tamed to provide P.ro6t, of =J) y to Defendant and/or counsel despite numerous requests. 8. Denied. Strict proof of allegation is required at hearing. 9. Denied. Strict proof of allegation is required at hearing- WHEREFORE, the Defendant respectfully request that this Honorable Court dismiss the Plaintiffs' Complaint- Respectfully submitted, it ? Michael I Cs&*a, Esquire PA ID #91232 STEIDL AND STEINBERG, PC 166 S Main St - Kerrstown Square Chambersburg, PA 17201 (717) 977-3171 VERIFICATION I hereby verify that the facts set forth in the foregoing Document are true to the best of my knowledge, information and belief- Iunderstand that Use statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated: Signa ' _ Dana A La T$ i CERTIFICATE OF SERVICE 1 1 hereby certify that on this day of J 0 j? sere;eci true and correct copy of the foregoing document via United States mail, first class, postage pre-paid on the following: Discover Bank c/o James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REIS CO_, LPA 436 Seventh Ave., Ste 1400 Pittsburgh, PA 17201 By: ?j Michael J. Cs®nka, Esquire STEIDL AND STEINBERG, PC 166 S Main St - Kerrstown Square Chambersburg, PA 17201 (717) 977-3171 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK Plaintiff, V. NO.: 10-h 1 ,4 REGINA M. LAUFFERs.A,:.--*ft-,,; Defendant. PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa_ Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of C- Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be regiAred to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or ast!=some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in npre than one capacity pr if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. EXHB I 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, perf"+Inln'_T to '111V manner to the subject matter indicated; C. The words "identity" "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity" "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every erson s participating in such an act; (3) identify all other person(s) (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for productibwof documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows. author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in the Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 2: Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 3: Defendant resides at the address listed on the monthly statements dated September 3, 2008 through May 3, 2010 and attached to these requests as Exhibit 441.11 emitted Denied If the answer to Request for Admissions No.3 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request and identify the Defendant's addresses and the dates that Defendant resided at the said address. REQUEST FOR ADMISSION NO.4 The purchases and/or balance transfers and/or cash advances listed on the monthly statements attached hereto as Exhibit "1" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 4 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 5: The payments and/or credits listed within the monthly statements attached hereto as Exhibit "I" are correctly identified for the underlying credit account. Admitted Denied lr the answer to Request for Admissions No. 5 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 6: Defendant made no payment on the credit card since September 28, 2009. Admitted Denied If the answer to Request for Admissions No. 6 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 7: The credit card account which is the subject of the underlying action accrued interest at a variable rate. Admitted 1enled If the answer to Request for Admissions No. 7 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 8: The interest rates listed within the monthly statements attached hereto as Exhibit "1" correctly identify the interest rates for the underlying credit account. Admitted Den ied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 9: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 10: $5,922.14 is a correct and accurate current balance of the credit card account in question as of June 9, 2010. A-_im;tted Denied If the answer to Request for Admissions No. 10 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE, r William T. Molczan,?quire Pa. I.D. #47437 Y Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:8471204 DEFENDANT'S VERIFICATION I, _ , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities vent; that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signature CERTIFICATE OF SERVICE A true and correct copy of Plaintiff's First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the f?` day of 4V31u2j?4 , 2011. upon the following: Michael Csonka, Esquire STEIDL & STEINBERG, P.C. 166 S. Main Street Kerrstown Square Chambersburg, Pa 17201 By: 444 William T. Moll, Esquire $5,150.00 03 SDSMA01 0014386 LAUFFE:R, REGINA M 225 HIGH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 $103.00 Enter Amount Enclosed Below Payment Due Date September 28, 2008 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.com/paperiess. PO BOX 71084 1(1r1rllrr1list IIIIIIllIt11 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. 000001986458214715530051500000000000010300 Discover Motive Card Account Summary Closing Date: September 3, 2008 page 1 of 1 Account number ending in 8107 Previous Balance $0.00 Payment Due Date September 28, 2008 Payments And Credits 0.00 Minimum Payment Due $103.00 Purchases + 0.00 Credit Limit $7,900.00 Cash Advances + 0.00 Credit Available $2,750.00 Balance Transfers + 5,000.00 Cash Credit Limit $4,000.00 Finance Charges + 150.00 Cash Credit Available $2,750.00 New Balance = $5,150.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details, Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: July It's easy to get a full month of interest back. Simply make 6 on-time payments in a row and get the next month's interest as a Pay-On-Time Bonus(SM). How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Balance Transfers Aug 27 Aug 27 BALANCE TRANSFER CHECK 0546 $ 5,000,00 APR 0.00% EXPIRES 07/2009 Aug 27 Aug 27 BAL TRANS TRANSACTION FEE FINANCE CHARGE 150.00 Finance Charge Summary Average Daily Balances current billing period: 31 days Purchases $0 Cash Advances $0 Balance Transfers $1329.02 previous billing period: 31 days Purchases $0 Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES 0.03559% 12.99% V 12.99% $0 $0 0.06299% 22.99% F 22.99% $0 $0 0.00000% 0.00% F 36.00% $0 $150.00 0.03559% 12.99% V 12.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. 55,025.00 S 101.00 Enter Amount Enclosed Below Payment Due Date $ ---? October 29, 2008 Please make check payable to Discover Card or pay online @ Discovercard.com. 03 SC St HAM 0014387 LAUFF EF , REGINA M Go paperless and make your account information more secure with password- 225 H EE H MOUNTAIN RD protected statements only you can access. SHIPPi:p SBURG PA 17257-9614 Learn more at discover.conVpaperless. PO BOX 71084 11111111111 1111111111191111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I??lill?rlirilrllliiliililii?llllliiliiliil??llii??rlirlrlr?ll above, or go to Discover.com. Print your e-mail address to receive importon Account information and special offers. 000001'186458214715530050250000125000010100 Discover Motiva Card Account Summary Closing Date: October 3, 2008 page 1 of 1 Account number ending in 8107 Previous Balance $5,150.00 Payment Due Date October 29, 2008 Payments And Credits 125.00 Minimum Payment Due $101.00 Purchases + 0.00 Credit Limit $7,900.00 Cash Advances + 0.00 Credit Available $2,875.00 Balance Transfers + 0.00 Cash Credit Limit $4,000.00 Finance Charges + 0.00 Cash Credit Available $2,875.00 New Balance $5,025.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0,00 Cashback Bonus® Anniversary Month: July Pay-On-Time Bonus(SM) Update: 1 on-time payment was received. Simply make 5 more on-time payments in a row to earn a Pay-On-Time Bonusl How Can We Help You? 1 • Visit Discover.com to pay your bill For no cost, view our p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) For fast, easy Self service Please have your Discover Card available, options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 18 Sep 18 PAYMENT -THANK YOU $ .125.00 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES .urrent billing period: 30 days Purchases $0 0.03559% 12.99% V 12.99% $0 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $5083.33 0.00000% 0.00% F 0.00% $0 $0 previous billing period: 31 days Purchases $0 0.03559% 12.99% V 12.99% $0 none 'rho rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Need Cash? Whether it's for an unexpected bill, an emergency car repair or your kids' school activities, Discover(R) Card cmn alwavs halo. Get cash nt ATMa -tine A..,. 6....e ..,....a,..l- .u-J J:.--I., :- ._ L __I- . .,... A ^11 R • ._.. __. _..__ .......... _... . -,... _ __ ._-_-... ._...__. _.. _...J ... _ - _. $4,900.00 $98.00 Enter Amount Enclosed Below Payment Due Date $ November 28, 2008 Please make check payable to Discover Card or pay online 0 Discovercord.com. 03 SD 3N 3A01 0014388 LAUFFE.R, REGINA M 225 HlG-1 MOUNTAIN RD SHIPPEN3BURG PA 17257-9614 Address, a-mail o- telephone change? Print change in space above, or go to Mscover,com. Print your e-mail address to -eceive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 11111111111 1111111111 1111 11 CHARLOTTE NC 28272-1084 L11?1111L?JJL1?11111111J111?11LJ11L11111L11?111L.II 000001`l86458214715530049000000125000009800 Discover Motiva Card Account Summary Closing Date; November 3, 2008 page 1 of 1 Account number ending in 8107 Previous Balance $5,025.00 'ayment Due Date November 28, 2008 Payments And Credits - 125.00 Minimum Payment Due $98.00 Purchases + 0.00 credit Limit $7,900.00 Cash Advances + 0.00 Credit Available $3,000.00 Balance Transfers + 0.00 Cash Credit Limit $4,000.00 Finance Charges + 0.00 Cash Credit Available $3,000.00 New Balance = $4,900.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: July Pay-On-Time Bonus(SM) Update: 2 on-time payments have been received. Just make ,4 more on-time payments in a row to earn a Pay-On-Time Bonus! How Can We Help You? p I • Visit Discover.com to pay your bill for no cost, view our l t A f a est ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast easy self service Please have your Discover Card available, , options or to speak with a Customer Service Account Manager For TDD assistance for hearing sea reverse side ( impaired) 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 15 Oct 15 PAYMENT -THANK YOU $ -125.00 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03285% 11.99% V 11.99% $0 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $4944.35 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above $4,800.00 S96.00 Enter Amount Enclosed Below Payment Due Date $ December 29, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. 03 SCStJ6A01 0014389 LAUFFER, REGINA M Go paperless and make your account information more secure with password- 225 HIGH MOUNTAIN RD Protected statements only you can access. SHIPPENSBURG PA 17257-9614 Learn more at discover.com/papertess. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. PO BOX 71084 111 111111111 1111111111111111111 CHARLOTTE NC 28272-1084 ?u?illu?ni)r??urln)i)nr?ll?nilnlu)n?ln?u?rr?r?nll 000001986458214715530048000000100000009600 Discover Motive Card Account Summary Closing Date: December 3, 2008 page 1 of 1 Account number ending in 8107 Previous Balance $4,900.00 Payment Due Date December 29, 2008 Payments And Credits 100,00 Minimum Payment Due $96.00 Purchases + 0.00 Credit Limit $7,900.00 Cash Advances + 0.00 Credit Available $3,100.00 Balance Transfers + 0,00 Cash Credit Limit $4,000.00 Finance Charges + 0.00 Cash Credit Available $3,100.00 New Balance = $4,800.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: July You're halfway there. Just make 3 more on-time payments in a row and you'll earn a Pay-On-Time Bonus(SM). How Can We Help You? P 1 • Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 22 Nov 22 PAYMENT - THANK YOU $ .100.00 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.03285% 11.99% V 11.99% $0 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $4860.00 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) 03 noted above $5,743.05__ $115.00 v v Enter Amount Enclosed Below v Payment Due Date $ January 29, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 03 SDSN6A01 0014390 LAUFFER, REGINA M 225 HIGH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. learn more at discover.com/papertess. PO BOX 71084 lll???llr??ll CHARLOTTE NC 28272-1084 In)i))n)u?lillni)n)i)ni)I))ni)n)nlnl)n)nln??)u)? 000001986458214715530057430500100000011500 Discover Motiva Card Account Summary Closing Date; January 3, 2009 page 1 of 1 Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available 8107 Previous Balance $4,800.00 January 29, 2009 Payments And Credits 100.00 $115,00 Purchases + 0.00 $7,900.00 Cash Advances + 1,000.00 $2,156.00 Balance Transfers + 0.00 $4,000.00 Finance Charges + 43.05 $2,156.00 New Balance = $5,743.05 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse CashbackBonus® Anniversary Month: July Pay-On-Time Bonus(SM) Update: 4 on-time payments have been received. Just make 2 more on-time payments in a row to earn a PayOn-Time Bonusl Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 0.00 + 0.00 $ 0.00 How Can We Help You? I . Visit Discover.com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, ( Salt Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Dec 1 1 Dec 1 1 PAYMENT -THANK YOU Cash Advances Dec 15 Dec 15 CASH ADVANCE CHECK #5900 Dec 15 Dec 15 CASH ADVANCE TRANS FEE FINANCE CHARGE $ .100.00 1,000.00 30.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03079% 11.24% V 11.24% $0 $0 Cash Advances $668.51 0.06299% 22.99% F 51.66% $13.05 $30.00 Balance Transfers $4722.58 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above •+' t ?, z $5,648.61 5113.00 Enter Amount Enclosed Below Payment Due Date $ ?- February 28, 2009 please make check payable to Discover Card or pay online 0 Discovercard.com. 03 S1 S14BA01 0014391 L AU F F = F; , REGINA M Go paperless and make your account 225 HIGH MOUNTAIN RD information more secure with password- protected statements only you can access. SHIPP=NSBURG PA 17257-9614 Learn more at discover.com/paperfess. PO BOX 71084 11111111111 1111111111111111 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. 000001986458214715530056486100000000011300 Discover Motiva Card Account Summary Closing Date: February 3, 2009 page 1 of 1 Account number ending in 8107 Previous Balance $5,743.05 Payment Due Date February 28, 2009 Payments And Credits 115.00 Minimum Payment Due $113.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $351.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 20.56 Cash Credit Available $351.00 New Balance $5,648.61 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0100 Cashback Bonus® Anniversary Month: July 1 on-time payment to Sol Make at least your Minimum Payment Due by the Payment Due Date and earn your next month's interest as a Pay-On-Time Bonus(SM). How Can We He) You? p 1 • Visit Discover.com to pay your bill for no cost, view our l t t A i f s a es ccount n ormation, earn and redeem reward and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for Fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 30 Jan 30 PHONE PAYMENT- THANK YOU $ .115.00 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03079% 11.24% V 11.24% $0 $0 Cash Advances $1052.97 0.06299% 22.99% F 22.99% $20.56 $0 Balance Transfers $4681.45 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Income Gap Protection gives you cash when Zou need it most- when your income is interrupted by involuntary nne-nlm.,.. m ,?If-kilih.... f.....;h, 1-- ..f .. ___ I__ - L_... ?_____ -- ._ n . . ? . „ .. . $5,517.53?? $110A0 ?? Enter Amount Enclosed Below Payment Due Date $ ?- -? March 29, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 03 SD MAW 0014392 LAUF F E:R , REGINA M Go paperless and make your account information more secure with password- 225 H I G A MOUNTAIN RD protected statements only you can access. SHIPPEN BURG PA 17257-9614 Learn more at discoveccom/paperless. 4ddre3s, a-mail or telephone change? Print change in space 3bo,/e, or go to Discover.com. Print your e-mail address to -eceive important Account information and special offers. PO BOX 71084 Illntill rllIto IIII III III CHARLOTTE NC 28272-1084 Inlrllnlnrlrllurlnlrlnrllllnrlulnlnllulnlnlrlnll 000001986458214715530055175300150000011000 Discover Motiva Card Account Summary Closing Date: March 3, 2009 page 1 of 1 Account number ending in 8107 Previous Balance $5,648.61 "ayment Due Date March 29, 2009 Payments And Credits - 150.00 Minimum Payment Due $110.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $482.00 Balance Transfers + 0.00 ,:ash Credit Limit $3,000.00 Finance Charges + 18.92 ,lash Credit Available $482.00 New Balance = $5,517.53 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period Pay-On-Time Bonus + 18.92 Everywhere Else + 0.00 Cashback Bonus$ Since Anniversary Month Cashback Bonus Balance $ 18 92 uly: $18.92 . CONGRATULATIONSI You earned $ 18.92 as a Pay-On-Time Bonus(SM). How Can We Help You? p 1 • Visit Discover.com to pay your bill for no cost, view your l t t A i f d a es ccount n ormation, earn an 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 (assistance For hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 25 Feb 25 PAYMENT -THANK YOU $ -150.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $0 0.03079% 11.24% V 11.24% $0 $0 Cash Advances $1072.70 0.06299% 22.99% F 22.99% $18.92 $0 Balance Transfers $4547.50 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above $5,388.87 $108.00 Enter Amount Enclosed 3elow Payment Due Date $ April 28, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 03 SC SMA01 0014393 LAUFF ER , REGINA M Go paperless and make your account 225 225 HIGH MOUNTAIN RD information more secure with password- statements only you can access. N SHIPPENSBURG PA 17257-9614 arnmoreatdiscover.com/paperiess. Address, e-mail or telephone change? Print change in space above, or go to Discover,com, Print your e-mail address to receive important Account information and special offers. PO BOX 71084 11illl"111'I11111"II111?) CHARLOTTE NC 28272-1084 IIIIII?IIIIIIII?IIII?IIIIIIIIIII?IIIIIIIIIIIIIIIIIIIIIIIIIIIII 000001986458214715530053888700150000010800 Discover Motiva Card Account Summary Closing Date: April 3, 2009 page 1 of 1 Account number ending in 8107 Previous Balance $5,517.53 Payment Due Date April 28, 2009 Payments And Credits 150.00 Minimum Payment Due $108.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $611.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 21.34 Cash Credit Available $611.00 New Balance $5,388.87 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 18.92 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 18,92 Cashback Bonus® Since Anniversary Month July: $18.92 Pay-On-Time Bonus(SM) Update: 1 on-time payment was received. Simply make 5 more on-time payments in a row to earn a Pay-On-Time Bonusl How Can We Hel You? p I • Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem reward4 and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Mar 23 Mar 23 PAYMENT -THANK YOU $ .150.00 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03079% 11.24% V 1 1.24% $0 $0 Cash Advances $1092.82 0.06299% 22.99% F 22.99% $21.34 $0 Balance Transfers $4376.93 0.00000% 0.00% F 0.00% $0 $0 "he rates that apply to your Account are either fixed (F) or they may vary (V) as noted above $106.00 Enter Amount Enclosed Below Payment Due Date $ May 29, 2009 Please make check payable to Discover Card or pay online @ Discovercard.com. $5,299.92 03 SDSN 3A01 0014394 LAUFFER, REGINA M 225 HIGH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 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 III... III III III IIII III IIIII 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 eceive important Account information and special offers. 000001986458214715530052999200110000010600 Discover Motive Card Account Summary Closing Date: May 3, 2009 page 1 of 1 Account number ending in 8107 Previous Balance $5,388.87 Payment Due Date May 29, 2009 Payments And Credits 110.00 Minimum Payment Due $106.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $700.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 21.05 Cash Credit Available $700.00 New Balance = $5,299.92 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 18.92 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 18.92 Cashback Bonus® Since Anniversary Month July: $18.92 Pay-On-Time Bonus(SM) Update: 2 on-time payments have been received. Just make 4 more on-time payments in a row to earn a Pay-On-Time Bonus! How Can We Help You? P 1 • Visit Discover.com to pay your 691 for no cost, view our l t A f a est ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Apr 20 Apr 20 PAYMENT -THANK YOU $ .110.00 Information For You * *ATTENTION* * Your March 2009 billing statement contained a message that your Payment Due Date would be changing. This notice was provided to you in error. Please continue to refer to the date printed at the top of your remittance coupon for your Payment Due Date. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.03079% 11.24% V 11.24% $0 $0 Cash Advances $1114.01 0.06299% 22.99% F 22.99% $21.05 $0 Balance Transfers $4233.66 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above S5,212.09 03 SCS1`16A01 0014395 LAUFFEF, REGINA M 225 HICH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 $104.00 Enter Amount Enclosed Below Payment Due Date $ June 28, 2009 Please make check payable to Discover Card or pay online @ Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.corrdpaperiess. PO BOX 71084 I11 ,rr11r111111111111111111 CHARLOTTE NC 28272-1084 000001986458214715530052120900110000010400 Discover Motiva Card Account Summary Closing Date: June 3, 2009 page 1 of 1 Account number ending in 8107 Previous Balance $5,299.92 Payment Due Date June 28, 2009 Payments And Credits - 110.00 Minimum Payment Due $104,00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $787.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 22.17 Cash Credit Available $787.00 New Balance $5,212.09 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 18.92 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 18.92 Cashback Bonus® Since Anniversary Month July: $18.92 You're halfway there. Just make 3 more on-time payments in a row and you'll earn a Pay-On-Time Bonus(SM). p ?/ou? How Can We Hel I 1 Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 13 May 13 PAYMENT - THANK YOU $ .110.00 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Purchases $0 0.03079% 11.24% V 11.24% $0 $0 Cash Advances $1135.61 0.06299% 22.99% F 22.99% $22.17 $0 Balance Transfers $4096.93 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. ?.' ? hm!'l $5,123.97 03 SD iN 3A01 0014396 LAUFFER, REGINA M 225 HIGH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 ,.,,,,,,,,.,,,, , .,7...0,„ ,.,,,- $103.00 . .,?••, - ..,,, -, - ., .. Enter Amount Enclosed Below Payment Due Date $ July 29, 2009 Please make check payable to Discover Card or pay online @ Discovercard com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperfess. Address, e-mail or telephone change? Print change in space sbove, or go to Discover.com. Print your e-mail address to •eceive importcnt Account information and special offers. PO BOX 71084 lllrr.IIIIIIIIIIIfill lrrrlf CHARLOTTE NC 28272-1084 000001986458214715530051239700110000010300 Discover Motiva Card Account Summary Closing Date: July 3, 2009 page 1 of 1 Account number ending in 8107 Previous Balance $5,212.09 Payment Due Date July 29, 2009 Payments And Credits 110.00 Minimum Payment Due $103.00 Purchases + 0.00 Credit Limit $6,000,00 Cash Advances + 0.00 Credit Available $876.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 21.88 Cash Credit Available $876.00 New Balance = $5,123.97 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 18.92 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 18.92 Cashback Bonus®-Since Anniversary Month July: $18.92 Pay-On-Time Bonus(SM) Update: 4 on-time payments have been received. Just make 2 more on-time payments in a row to earn a Pay-On-Time Bonusl How Can We Help You? P 1 • Visit Discover.com to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast easy 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• Santa us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 12 Jun 12 PAYMENT - THANK YOU $ .110.00 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.03079% 11.24% V 11.24% $0 $0 Cash Advances $1157.63 0.06299% 22.99% F 22.99% $21.88 $0 Balance Transfers $3984.33 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) 03 noted above ??' yps? ',qp in„s Enter Amount Enclosed below $ 1 - I Please make check payable to Discover Card or pay online 0 Discovercard.com. $5,081.59 $101.00 Payment Due Date August 29, 2009 03 SC St 16A01 0014397 LAUFFER, REGINA M 225 HIGH MOUNTAIN RD SHIPPI-NSBURG PA 17257-9614 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 1111111111111111111111111111 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. 000001986458214715530050815900103000010100 Discover Motiva Card Account Summary Closing Date: August 3, 2009 page 1 of 1 Account number ending in 8107 Previous Balance $5,123.97 Payment Due Date August 29, 2009 Payments And Credits 103.00 Minimum Payment Due $101.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $918.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 60.62 Cash Credit Available $918.00 New Balance $5,081.59 You may be able to.ovoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 18.92 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 18.92 Cashback Bonus® Anniversary Month: July 1 on-time payment to Sol Make at least your Minimum Payment Due by the Payment Due Date and earn your next month's interest as a Pay-On-Time Bonus(SM). How Can We Hel You? p 1 • Visit Discover.com to pay your bdl for no cost, view ur latest Account information, earn and redeem rewardrand more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance For hearing impaired) see reverse side 3. Write us of Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dais Payments and Credits Jul 24 Jul 24 PAYMEN T • THANK YOU $ .103.00 Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates . PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3936.72 0.03079% 11.2.4% V 11.24% $37.58 $0 Cash Advances $1180.08 0.06299% 22.99% F 22.99% $23.04 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. IJ l.? a, Lid. $5,041.17 $100.00 Enter Amount Enclosed Below Payment Due Date $ -? September 28, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 03 SD 3N 3A01 0014398 LAUF'FI.R, REGINA M Go paperless and make your account 225 HIGH MOUNTAIN RD information more secure with password- protected statements only you can access. SHIPPEN'3BURG PA 17257-9614 Learn more at discover.com/paperiess. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. PO BOX 71084 111111111 111111 CHARLOTTE NC 28272-1084 ?u?r?ln)ni)i)?ni(n)i)n?)?)Ini)ulu(n)In)n)nl?(nO 000001986458214715530050411700000000010000 Discover Motiva Card Account Summary Closing Date: September 3, 2009 page 1 of 1 Account number ending in 8107 Previous Balance $5,081.59 Payment Due Date September 28, 2009 Payments And Credits - 101.00 Minimum Payment Due $100.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $958.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 60.58 Cash Credit Available $958.00 New Balance $5,041.17 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus` Opening Cashback Bonus Balance $ 18.92 New Cashback Bonus This Period Pay-On-Time Bonus + 60.58 Everywhere Else + 0.00 Cashback Bonus® Since Anniversary Month Cashback Bonus Balance $ 79 50 July: $60.58 . CONGRATULATIONS[ You earned $ 60.58 as a Pay-On-Time Bonus(SM). Visit Discovercard.com or call 1.800-DISCOVER (I-800-347-2683) to redeem your rewardI How Can We Help You? P I • Visit Discover.com to pay your bill for no cost, view our l t A f s a est ccount in ormation, earn and redeem reward and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance For hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 28 Aug 28 PHONE PAYMENT -THANK YOU $ -101.00 Information For You Enroll in Paperless Statements for your chance to win big. Go paperless and you can win up to $15,000 cash) Learn more at Discover.com/sweepstakes. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3884.77 0.03079% 11.24% V 11.24% $37.08 $0 Cash Advances $1203.34 0.06299% 22.99% F 22.99% $23.50 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above $5,157.36 $102.00 Enter Amount Enclosed Below Payment Due Date $ -? October 29, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 03 SDSN6A01 0014399 LAUFFER, REGINA M Go paperless and make your account 225 HIGH MOUNTAIN RD information more secure with password- protected statements only you can access. SHIPPENSBURG PA 17257-9614 Learn more at discover.corn/paperless. PO BOX 71084 Illrrrllrr.llr???rll?l??rll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )i?(((?i)i??li(I??i(??(?I???(I(Ir??(?r(??(??((??(11(?I(r(??I( above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458214715530051573600000000010200 Discover Motiva Card Account Summary Closing Date: October 3, 2009 page 1 of 1 Account number ending in 8107 Previous Balance $5,041.17 Payment Due Date October 29, 2009 Payments And Credits 100.00 Minimum Payment Due $102.00 Purchases + 156.49 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $842.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 59.70 Cash Credit Available $842.00 New Balance $5,157.36 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 79.50 New Cashback Bonus This Period + 0.39 Cashback Bonus Balance $ 79.89 Cashback Bonus® Since Anniversary Month July: $60.97 Pay-On-Time Bonus(SM) Update: 1 on-time payment was received. Simply make 5 more on-time payments in a row to earn a Pay-On-Time Bonusl How Can We Help You? p 1. Visit Discovencom to pay your bill for no cost, view our latest Account information, earn and redeom 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 (assistance For hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 28 Sep 28 INTERNET PAYMENT -THANK YOU $ .100.00 Merchandise/Retail Sep 9 Sep 9 WAL-MART SC - #5358 SHIPPENSBURG PA 156.49 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 30 days Purchases $3953.66 0.03079% 11.24% V 11.24% $36.52 $0 Cash Advances $1226.68 0.06299% 22.99% F 22.99% $23.18 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. I Ar ./ IYI1k, >W* IV ? "\ $5,293.40yV $206.00 1 vr1 1 y111 vV v Payment Due Date November 28, 2009 03 31:N iA01 0014400 LAUFFER, REGINA M 225 HIGH MOUNTAIN RD SHIPPEN'SBURG PA 17257-9614 Enter Amount Enclosed below v Please make check payable to Discover Card. Minimum payment due includes a past due amount of $102.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458214715530052934000000000020600 Discover Motiva Card Account Summary Closing Date: November 3, 2009 page 1 of 2 Account number ending in 8107 Previous Balance $5,157.36 Payment Due Date November 28, 2009 Payments And Credits 0.00 Minimum Payment Due $206.00 Purchases + 7400 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $706.00 Balance Transfers + 0.00 Cash Credit limit $3,000.00 Finance Charges + 62.04 Cash Credit Available $706.00 New Balance = $5,293.40 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 79.89 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 79.89 Cashback Bonus® Since Anniversary Month July: $60.97 It's easy to get a Full month of interest back. Simply make 6 on-time payments in a row and get the next month's interest as a Pay-On-Time Bonus(SM). How Can We Help You? 1 . Visit Discover.com to pay your bill for no cost, view your I? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 28 Oct 28 INTERNET PAYMENT - THANK YOU $ -102.00 Oct 30 Oct 28 RETURNED INTERNET PMT 102.00 Other/Miscellaneous Oct 30 Oct 30 FEE FOR RETURNED ACH PAYMENT 35.00 Oct 30 Oct 30 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. Discover(R) gift cards are easy to give to friends and family. And now you can save $2 on the purchase fee of each gift card - plus you'll get FREE shipping. Personalize the gift card with a name and message. Many come with matching greeting cards. Offer available through 12/31/09. Just enter promo code GIFT3 at DiscoverGiffCard.com to save) Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card - plus get FREE shipping • a•.?r tr DISCOVER Account number ending in 8107 Get added security with no paper trail Make your account information more secure with passwo+d-protected statements that only you can access. • Access up to 2A 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 a Dlscover.com/paperless i Closing Date: November 3, 2009 page 2 of 2 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Purchases $3942.46 0.03079% 11.24% V 11.2,1% $37.62 $0 Cash Advances $1250.47 0.06299% 22.99% F 22.99% $24.42 $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.com or __II i onn nicnnven ii nnn n j-7 n z nni 02009 Discover Bank, Member FDIC $5,393.87 $312.00 Enter Amount Enclosed Below Payment Due Date $ 1_-? December 29, 2009 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $206.00, 03 SD3N6A01 0014401 LAUFFE:R, REGINA M Go paperless and make your account information more secure with password- 225 HIGH MOUNTAIN RD protectedstatementsonlyyoucanaccess. SHIPPENSBURG PA 17257-9614 Learn more at discover.corrVpaperless. PO BOX 71084 111111111111111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I I 1 I1 1111 I if I If I I I if II I I I III I 11111111 11 If I it s l 111111111if f I Ill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458214715530053938700000000031200 Discover Motiva Card Account Summary Closing Date. December 3, 2009 page 1 of 1 Account number ending in 8107 Previous Balance $5,293.40 Payment Due Date December 29, 2009 Payments And Credits 0.00 Minimum Payment Due $312.00 Purchases + 39.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $606.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 61.47 Cash Credit Available $606.00 New Balance $5,393.87 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 79.89 New Cashback Bonus This Period + 0.00 Cashback Bonuse Since Anniversary Month July: $60.97 Cashback Bonus Balance $ 79.89 It's easy to get a full month of interest back Simply make 6 on-time payments in a row and get the next month's interest as a Pay-On-Time Bonus(SM). How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Nov 29 Nov 29 LATE FEE $ 39.00 Information For You * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 30 days Purchases $4048.32 0.03079% 11.24% V 11.24% $37.38 $0 Cash Advances $127471 0.06299% 22.99% F 22.99% $24.09 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase Fee of each gift card - plus get FREE shipping. J . 0 `?"' y" $5,498.73 0: SDSHEiA01 0014402 LAUFFEE, REGINA M 225 HIGH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 $437.00 Enter Amount Enclosed Below Payment Due Date $ February 1, 2010 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $312.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.corr/paperless. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I?il?Ili?I??iI?Il?rili?Irli??Illlii?li?I??I??II11Ir?I?rl?l?ill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458214715530054987300000000043700 Discover Motiva Card Account Summary Closing Date: January 3, 2010 page 1 of 1 Account number ending in 8107 Previous Balance $5,393.87 Payment Due Date February 1, 2010 Payments And Credits 0.00 Minimum Payment Due $437.00 Purchases + 39.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $501.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 65.86 Cash Credit Available $501.00 New Balance $5,498.73 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 79.89 New Cashback Bonus This Period + 0.00 Redeemed This Period 79.89 Cashback BonusO Since Anniversary Month Cashback Bonus Balance $ 0.00 July: $60.97 It's easy to get a full month of interest back. Simply make 6 on-time payments in a row and get the next month's interest as a Pay-On-Time Bonus(SM). How Can We Help You? P 1 • Visit Discover.com to pay your bill for no cost, view our l t t A f a es ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast easy self service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Dec 30 Dec 30 LATE FEE $ 39.00 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Purchases $4125.68 0.03079% 11.24% V 11.24`Yo $39.37 $0 Cash Advances $1299.97 0.06573% 23.99% V 23.99% $26.49 $0 the rates that apply to your Account are either fixed (F) or they may vary (V) as noted above 55,604.88 03 SDSN 3A01 0014403 LAUFFER, REGINA M 225 HIGH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 $564.00 Enter Amount Enclosed Below Payment Due Date $ March 1, 2010 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $437.00. Add-e33, e-mail of telephone change? Go to www.Discaver.com or print change in space above. It's easy to get a full month of interest back. Simply make 6 on-time payments in a row and get the next month's interest as a Pay-On-Time Bonus(SM). PO BOX 71084 Illr??llrr?ll?????llrl???ll CHARLOTTE NC 28272-1084 I1111111111111IIn1111111111111111ILrif III I111111111rlrlr111 000001986458214715530056048800000000056400 Uate: January4, 2010 - Closing Date: Febri Discover Motiva Card Account Summary Account number ending in 8107 Previous Balance $5,498.73 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 67.15 Other Fees t + 39.00 New Balance 5,604.88 See Finance Charge Summary section following transactions for detailed APR information Credit Line $6,000.00 Credit Line Available $395.00 Cash Advance Credit Line $3,000.00 Cash Advance Credit Line Available $395.00 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. Cash ack Bonuse Anniversary Month July Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log In at www.Discover.com and select Rewards 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2...Call- 1.-800,DJS.COVER (1-800-347268.3.... Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Dean assistance, please call 1.800-347-7449. ary 3, 2010 page 1 of 2 Payment Information New Balance Minimum Payment Due* Payment Due Date *Includes past due amount of $437.00 $5,604.88 $564.00 March 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late Fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 16.24% 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: I tau lttdke rid' Yau vrtff pbyaFf the; Ant ... slid 401'.0hwrge5 dcf?10 balance shown on up pang on y g4.6g rr?{S card and this atatement in estimat6d fotpl;?#, , ; ch mantJl yqu pay ,. about„ ; Only the minimum 8 years $8,947 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 Poydown Planner to create a plan to p_ cy_down_ your balance, securely access statements, pay . bills online and easify track all transactions Make your money worth moresm-find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Other/Miscellaneous Feb 1 Feb 1 LATE FEE Fees TOTAL FEES FOR THIS PERIOD Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 39.00 39.00 40.12 27.03 0.00 67.15 °f "? "ti, y A Account number enaing in 2'07 DISC OVEK page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily current billing period: 31 days Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES ?_ FINANCE CHARGES Purchases $4,204.42 0.03079% 11.24% V 11.24% $40.12 $0 Cash Advances $1,326.72 0.06573% 23.99% V 23.99% $27.03 $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. Questions? Visit www.Discover.com or .._li 1 Onn r11Cr /1\/[D 11 Onn O A7 r9LO01 wow ???. AA R ^p a 03 SD iNBA01 0014404 LAUFFER, REGINA M 225 HIGH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 55,705.68 $685.00 Payment Due Date April 1, 2010 PO BOX 71084 111111111111111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIItl ll ll -3o to www.Discover.com or print change in space above. 000001986458214715530057056800000000068500 Date: February 4, 2010 - Closing Date: Mar Discover Motiva Card Account Summary Account number ending in 8107 Previous Balance $5,604.88 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 61.80 Other Fees t + 39.00 New-Ba[ance 5,705.68 See Finance Charge Summary section following transactions for detailed APR information Credit line $6,000.00 Credit Line Available $0.00 Cash Advance Credit line $3,000.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. tSee transaction detail for a description of any fees charged. uuallwuLR 1ju11u4 Anniversary Month July Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in at www.Discover.corn and select Rewards 3 Easy Ways to Contact Us 1, Access your account securely at www.Discover.com 27 _Call J.8=ISCOWR41,8=U7 2683` Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deal) assistance, please call 1.800-347.7449. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay. don your. balance, securely aceess_stataments,_pgy _ bills online' and easily track all transactions Make your money worth moreSM-Find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Other/Miscellaneous Mar 3 Mar 3 LATE FEE $ 39.00 Fees TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged INTEREST CHARGE ON PURCHASES 36.90 INTEREST CHARGE ON CASH ADVANCES 24.90 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 61.80 :h 3, 2010 Enter Amount Enclosed Below - 1 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $564.00. It's easy to get a full month of interest back. Simply make 6 on-time payments in a row and get the next month's interest as a Pay-On-Time Bonus(SM). page of 2 Payment Information New Balance $5,705.68 Minimum Payment Due* $685.00 Payment Due Date April 1, 2010 "Includes past due amount of $564.00 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 16.24% 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: !f V make no Yrru will';pay 6ff the Artd yts>* vrtt! end pddiironpt Charges balance shown err up<poyi+t9 on usinti..this card and thil statement in @9timgted iQlgi Qt,>-, epch month you pay ,, ttl?G1Wt,. Only the minimum 19 years $16,303 payment If you would like information about credit counseling services, call 1.800-347-112 1. _D(SC VER.Account number ending in 8107 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily con ent billi 1g period: 28 days Balance s Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES Purchases $4,281.92 0.03079% 11.24% V 11.24% $36.90 $0 Cash Advances $1,352.68 0.06573% 23.99% V 23.99% $24.90 $0 V = Variable Rate Information For You No,withstanding 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. 'Questions? visit www.Discover.com or - -.11 1 onn r11C/ t-N%irn I1 nnn n 17 nt nnl $5,814.38 $814.00 - Payment Due Date May 1, 2010 03 SD!,WA01 0014405 LAUFFER, REGINA M 225 HIGH MOUNTAIN RD SHIPPENSBURG PA 17257-9614 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card. Minimum payment due includes a past due amount oF$685.00. Phone and internet payments must be made by 5:00pm ET for same day posting. It's easy to get a full month of interest back. Simply make 6 on-time payments in a row and get the next month's interest as a Pay-On-Time Bonus(SM). PO BOX 71084 Ill1rtll1t1lltr1rrll1l1s1ll CHARLOTTE NC 28272-1084 ,address, e-mail or telephone change? Inltlluln?ll(Inllnltlu?(I?InI(nluln(Inlu?nlt(ull Go to www.Discover.com or print change in space above. 000001986458214715530058143800000000081400 7penfng Date: March 4, 2010 - Closing Date: April 3 Discover Motiva Card Account Summary Account number ending in 8107 Previous Balance $5,705.68 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 69.70 Other Fees t + 39.00 New-al nce 5,814.38 See Finance Charge Summary section following transactions for detailed APR information Credit Line $6,000.00 Credit Line Available $0.00 Cash Advance Credit Line $3,000.00 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 ?uo31uua.n uvnua Anniversary Month July Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in at www.Discover.com and select Rewards 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2- _CalL.1.800-DISCOVER (1-800.3A72683) Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 8,4130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. ,2010 page 1 of 2 Payment Information New Balance $5,814.38 Minimum Payment Due* $814.00 Payment Due Date May 1, 2010 *Includes past due amount of $685.00 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 16.24% 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 yAu ntc, W no ' You volt pay?affthe 1?n ys ".l end Iional charges U balance shown on uppaylitg an usitsg this hard and this statement in estttrirateiltotal of•'. rk month lrau pay Only the minimum 19 years $16,410 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 t o o y down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more SM-find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Other/Miscellaneous Apr 1 Apr 1 LATE FEE Fees TOTAL FEES FOR THIS PERIOD Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 39.00 39.00 41.60 28.10 0.00 69.70 . J,-y ^ "• t DISCOVER Account number ending in 8107 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee current billing oeriod: 31 days Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES Purchases $4,360.15 0.03079% 11.24% V 11.24% $41.60 $0 Cash Advances $1,379.17 0.06573% 23.99% V 23.99% $28.10 $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. Questions? visit wwwAiscover.com or ._11 1 onn mice-^%icn 11 n^^ n 17 nt nnl $5,922.14 $942.00 Payment Due Date June 1, 2010 03 SD 3N 3A01 0014406 LAUFFER, REGINA M 225 HIG-1 MOUNTAIN RD SHIPPEN3BURG PA 17257-9614 4dcres3, a-rnail o- telephone change? 3o o www.Discover.com or print change in space above. Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card. Minimum ayyment due includes a past due amount Y$814.00. Phone and internst payments must be made by 5:00pm ET for same day posting. It's easy to get a full month of interest back. Simply make 6 on-time payments in a row and get the next month's interest as a Pay-On-Time Bonus(SM). PO BOX 71084 CHARLOTTE NC 28272-1084 00000:bel86458214715530059221400000000094200 Opening Date: April 4, 2010 - Closing Date: May 3, 2010 Discover Metiva Card Account Summary Account number ending in 8107 i Previous Balance $5,814.38 Pavments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 68.76 Other Fees t + 39.00 New Balance 5,922.14 See Finance Charge Summary secti on following transactions j for detailed APR information page 1 of 2 Payment Information New Balance $5,922.14 Minimum Payment Due* $942.00 Payment Due Date June 1, 2010 *Includes past due amount of $814.00 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 16.24% 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 Line $6,000.00 Credit Line Available $0.00 Cash Advance Credit Line $3,000.00 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. i asnDOCK tsonus° Anniversary Month July Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in at www.Discover.com and select Rewards 3 Easy Ways to Contact Us 1. Access your account securely of www.Discover.com 2, Call 1.800-DISCOVER-(1-8000.3,47--2683) - Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. f#?j!cat? rrtaka na ;Yau ill puctff tfae y Anti ye uI sn pd?itEttnal CCtgrgey balarrce;?Tlcxvrn on u? pq 04 tti! itsltg this card fend this ataf>yiYer'44 in esttmctted fatal o#: .. month each you pay.,.; abbt/t. , Only the minimum 19 years $16,526 payment Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to day-down your..balanse, 3esuroly_occss3_statements,.pay_ bills online and easily track all transactions Make your money worth more SM-find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Fees TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged INTEREST CHARGE ON PURCHASES 41.01 'Transactions Trans. Post Date Date Other/Miscellaneous May 1 May 1 LATE FEE $ 39.00 INTEREST CHARGE ON CASH ADVANCES 27.75 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 68.76 -DISCOVE R.. Account number ending in 8107 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee cur r-ent billing oe, iod: 30 days Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES Purchases $4,440.44 0.03079% 11.24% V 11.24% $41.01 $0 Co::h Advances $1,407.09 0.06573`Yo 23.99% V 23.99% $27.75 $0 V = Variable Fate Questions? Visit www.Discover.com or III nnn nie, r.itrn ii nnn n j- nt nnn w?w? • •--. $0.00 $1,061.00 v Enter Amount Enclosed Below Payment Due Date $+? June 26, 2010 31 SD i1\13A01 0014407 LAUFFI R, REGINA M 225 H]G1 MOUNTAIN RD SHIPPENSBURG PA 17257-9614 Address, e-mail or telephone change? 30 'o www.Discover.com or print change in space above. PO BOX 6103 Ill trsllrrttrllrrrrll 1111111 CAROL STREAM IL 60197-6103 LILJItnttttlllnLJtttltllttttJllltttnnllnlLttnnlLtLnll 00000:1986458214715530000000000000000106100 2010 page 1 of 1 Date: May 4, 2010 - Closing Date: May 31, Discover Motiva Card Account Summary Account number ending in 8107 Previous Balance $5,922.14 Payments And Credits 5,922.14 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 0.00 Other Fees t + 0.00 New Balance 0.00 See Finance Charge Summary section following transactions for detailed APR information Credit Line $6,000.00 Credit Line-Available $0.00 Cash Advance Credit Line $3,000.00 Cash Advance Credit Line Available $0.00 t See transaction detail for a description of any fees Cashback Bonuse Anniversary Month July Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in at www.Discover.com and select Rewards Payment Information New Balance $0.00 Minimum Payment Due $1,061.00 Payment Due Date June 26, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 16.24% variable. Manage Your Account Online at www.Discover.com Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Make your money worth more5M-find easy ways to earn - and redeem cash rewards NEWI Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1.800.347.2683) Please have your Discover(& card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347-7449. Transactions Trans. Post Date Date Payments and Credits May 31 May 31 INTERNAL CHARGE-OFF $ -5,922.14 Fees- _ TOTAL FEES_FOR THIS PERIOD 0.00. Interest Charged TOTAL INTEREST FOR THIS PERIOD 0.00 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 28 days Balances Rates RATES RATES CHARGES CHARGES Purchases $0 0.03079% 11.24% V 11.24% $0 $0 Cash Advances $0 0.06573% 23.99% V 23.99% $0 $0 V = Variable Rate CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment and Brief in Support has been served by U.S. Mail, Postage Pre-Paid, on Q{ day of _, 2011 upon the following: Michael J. Csonka Steidl and Steinberg, PC 166 S. Main St. - Kerrstown Square Chambersburg, Pa 17201 By. K Sarah E. Ehasz, Esqui PA ID# 86469 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8471204 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, VS. REGINA M. LAUFFER, Defendant. Case No.: 10-6734 ORDER OF COURT AND NOW, to-wit, this day of , 2011, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $5,922.14 with interest at the rate of 11.24% per annum from June 9, 2010 plus attorneys' fees of $125.00, and costs. BY THE COURT J. WWR# 8471204 colp PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter force rgd r- Argument Court.) C = T= ----------------------------------------------------------------------------------------------------------------- _ CAPTION OF CASE =rn --t rrn- (entire caption must be stated in full) rv Discover Bank i C C- ? Co A 'd vs. Q Regina M. Lauffer No. 10-6734 Civil Term 1. State matter to be argued (i.e., plaintiffs motion for new trial defendant's demurrer to , complaint, etc.): Plaintiffs Motion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: Sarah E. Ehasz, Esq., 1400 Koppers Building, 436 Seventh Ave., Pittsburgh, PA 15219 (Name and Address) (b) for defendants: Michael J. Csonka, Esq., 166 S. Main St. - Kerrstown Square, Chambersburg, PA 17201 (Name and Address) 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: July 15, 2011 ?c ?- -?F -e Signature Sarah E. Ehasz Print your name Plaintiff - Discover Bank 6/15/2011 Attorney for Date: 0 INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. #26. DISCOVER BANK, Plaintiff V. REGINA M. LAUFFER, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 2010 - 6734 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER, GUIDO, JJ. ORDER OF COURT AND NOW, this 25TH day of JULY, 2011, it appearing that Plaintiff's brief was not timely filed the case is STRICKEN from the argument court list. It may be relisted by any party. B e Court, ? Sarah E. Ehasz, Esquire 1400 Koppers Building 436 Seventh Ave. Pittsburgh, Pa. 15219 r Michael J. Csonka, Esquire 166 S. Main Street Kerrstown Square Chambersburg, Pa. 17201 Court Administrator - in bile Edward E. Guido, J. c ^; - ') bz = r a C= rn 4. DAVID D. BUELL PROTHONOTARY OFFICE OF THE PROTHONOTARY CUMBERLAND COUNTY Michael J. Csonka, Esq. 166 S. Main St. - Kerrstown Square Ave., Pittsburgh, PA 15219 DATE: June 27, 2011 TO Mr. Csonka: THIS IS TO NOTIFY YOU THAT CASE NUMBER 2010-6734 Discover Bank VS. Regina M. Lauffer HAS BEEN LISTED FOR ARGUMENT ON July 15, 2011 Cumberland C^unty Argument Court Rules 1028(c), +urthouse Square >d D. Buell, Prothonotary s 100 sle, PA 17013 4 ' I~NN ,,y ` ,??f ?? QM 3? 00 MED-OFFICE r got "ONOTAP\ ?l o ?F hi e--"4L PIi?JiV Rf)tNfS $ 00.44° ' 000463?598 JUt-J'28 201' MAILED FROM ZIP CODE '- 71 3 Michael J. Csonka, Esq. E 166 S. Main St. - Kerrstown Square Ave., Pittsburgh, - - NZXXE i-52 DC: 1 00 07/26/11 RETURN To SENDER NO SUCH STREET UNADLE To F'oRwARo S PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) (.,, TO THE PROTHONOTARY OF CUMBERLAND COUNTY Argument Court.) CAPTION OF CASE (entire caption must be stated in full) Discover Bank Regina M. Lauffer (List the within matter for travxt- rat --- .-D w ?-CJ No. 10-6734 Civil Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Plaintiff's Motion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: Sarah E. Ehasz, Esquire, 1400 Koppers Bldg., 436 Seventh Avenue, Pittsburgh, PA. 15219 (Name and Address) (b) for defendants: Michael J. Csonka, Esquire, 166 S. Main St., Kerrstown Square, Chambersburg, PA. 17201 (Name and Address) 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: August 26, 2011 Signature Sarah E. Ehasz Print your name Plaintiff- Discover Bank Date: 08/01/2011 vs. Attorney for ZL: , O f_ ?M INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. Ilk CERTIFICATE OF SERVICE A true and correct copy of the within Praecipe for Listing Case for Argument, has been served by U.S. Mail, Postage Pre-Paid, on ! _ of +?/ 20 11 upon the following: Michael J. Csonka, Esquire 166 S. Main Street, Kerrstown Square, Chambersburg, PA. 17201 By: DISCOVER BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA VS. CIVIL ACTION - LAW ' -a NO. 10-6734 CIVIL --? REGINA M. LAUFFER, rnrn r*i rn-- Defendant ? -a IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT ?6 BEFORE HESS P.J. AND OLER, J. ° 1- +°w v ORDER / ? J AND NOW, this `Y ' day of September, 2011, the motion of the plaintiff for Summary Judgment is GRANTED and judgment is entered in favor of the plaintiff and against the defendant in the amount of $5,922.14, together with interest at the legal rate from June 9, 2010, attorneys' fees of $125.00, and costs. BY THE COURT, Hess, P. J. ? Sarah E. Ehasz, Esquire 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 For the Plaintiff Michael J. Csonka, Esquire 166 S. Main Street Kerrstown Square Chambersburg, PA 17201 For the Defendant Regina M. Lauffer 255 High Mountain Road Shippensburg, PA 17257 ??pies Ma?e? q?q?i? N "('FIE COUR'T' OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCON, 'fIR BANK f taintiff vs. REGIN_j. M LAUFFER Defendant. c `-' - M, c rn - 7 -1 ' Qr - t Case No.: 10-6734 CIVIL TERM C?o TYPE OF PLEADING -- r" PRAECIPE FOR JUDGMENT PER ORDER OF COURT FT, LED ON BEHALF OF: P;._intiff COUNSEL OF RECORD OF THIS PAR"1'Y: William T Molczan, Esquire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 08471204 $6522.21 IN rHE ('-,-)URT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. REGINA M LAUFFER Defendant. Case No.: 10-6734 CIVIL TERM PRAECIPE FOR JUDGMENT PER ORDER OF COURT TO T(4E PROTHONOTARY: Kindly enter Judgment against the Defendant, REGINA M LAUFFER, in the amount of $6522.21 computed as follows: r- r -)vnI Awarded: $5922.14-1 ! Merest at ..he interest rate of 6% $475.07 From Jone 9, 2010 to October 10, 2011 Attorneys Fet $125.00 'T'OTAL: $6522.21 Attached is ? copy of the Court Order in favor of Plaintiff for Judgment. WELTMAN, WEINBERG & REIS, CO., L.P.A. ? /_ Lam' By: _ ? William T Molczan, Es ire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, FA 15219 (412) 434-7955 Plain!i•'f address V. c/c, Weltnan, Weinberg & Reis, Co., L.P.A., 1400 Koppers Building, 436 7`h Avenue, Pitt.,Urgh. PA 5219 A;A Defendant's eddress is 225 HIGH MO .NTAiN ROAD, SHIPPENSBURG, PA 17257 414.0c) on jk" e lo( 891 l pto VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that the parties against whom Judgment is to be entered according to the Praecipe attached are not members of the Armed Forces of the United States or any other military or non-military service covered by the Soldiers and Sailors Civil Relief Act of 1940. The undersigned further states that the information is true and correct to the best of the undersigned's knowledge and belief and upon information received from others. NkELTMAN, WEINBERG & RFIS CO., L.P.A. By: - k'?? - William T Molczan, uire PA I.O.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08471204 DISCOVER BANK, Plaintiff vs. REGINA M. LAUFFER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 10-6734 CIVIL IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE HESS, P.J. AND OLER J. ORDER AND NOW, this cJ' day of September, 2011, the motion of the plaintiff for Summary Judgment is GRANTED and judgment is entered in favor of the plaintiff and against the defendant in the amount of $5,922.14, together with interest at the legal rate from June 9, 2010, attorneys' fees of $125.00, and costs. BY THE COURT, Hess, P. J. Sarah E. Ehasz, Esquire 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 For the Plaintiff Michael J. C'sonka, Esquire 166 S. Main Street Kerrstown Square Chambersburg, PA 17201 For the Defendant Regina M. Lauffer 255 High Mountain Road Shippensburg, PA 17257 0ky7I2a? P"IX IN CHE COURT OF COMMON PLEAS OF,-UMBERLANDCOUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff Case No.: 10-6734 CIVIL TERM vs. REGINA M LAUFFER Defendant. NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendants ( ) Garnishee You are hereby notified that e f (lowing Order or Judgment was entered against you on O ?xx) Assurropsit Judgment in the amount of $6522.21, plus interest at 6% per annum, plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Traysportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of (xx) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( } Verdict ( ) Arbitration Award ( ) By Consent Prothon REGINA M LAUFFER. 225 HIGH MOUNTAIN ROAD SHIPPENSBURG, PA 17257 PROTHONOTARY (OR DEPUTY)