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Home My WebLink About10-6932NLED-OFFIH c'uEoer't 111 --1 F?-j 1 P11 IM" ?FN yI All a IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. MARLENE HIGGINS Defendant No: IC) _ Lo CC Sa 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 08699292 C A Pit CXC a O C)aoo? .34LI (P IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No MARLENE HIGGINS 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: MARLENE HIGGINS 5525 BARBARA DR MECHANICSBURG, PA 17050 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX8170 . 4. Defendant made use of said credit card and has a current balance due of $11898.93 , as of September 08, 2010 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 13.4908 per annum on the unpaid balance from September 08, 2010 . A copy of Plaintiff's Statement is attached hereto, marked as Exhibit 111" 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 , MARLENE HIGGINS individually , in the amount of $11898.93 with interest at the rate of 13.4908 per annum from September 08, 2010 plus attorneys' fees of $125.00 , and costs. U:44 Warmbrodt,42524 WEINBERG & REIS CO., L.P.A. nth Avenue, Suite 1400 gh, PA 15219 -7955 338-7130 C A Pit CXC This law firm is a debt collector atVmpting to collect this debt for our client and any information obtai ed will be used for that purpose. DISCOVER 31 SDSN6A01 000N78 MARLENE HI86INS 5525 BARBARA DR MECHANICSBURG PA New Balance Minimum Payment Due $0.00 $2,003.00 Payment Due Date SepbnIber 26, 2010 17050-7216 Address, e-mail or telephone changsy Go to www.Dbc~.com or print change in space above. Account Number ending in 8170 Enter Amount Enclosed Below $ Ipnfffartn?e?s?tion more secure with ?pawsoord. Learn more at discove ? ? access. on?Pap cerbss. PO BOX 6103 l{Insl{uusl{un{{sl{u{ CAROL STREAM IL 60197-6103 {n{{n{{nuu{{{r{o{ur{n{{rem{{{{unr{{r{{rem{{u{u{{ 000001486458512345141000000000000000200300 Dab: August 21, 2010 - Closing Dam: August 31, 2010 Discover Mom Card Account Summary Account number ending in 8170 Previous Balance $11,898.93 Payments And Credits 11,898.93 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 0.00 Fees Charged + 000 Now balance .00 See interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit Une-Available $0.00 Cash Advance Credit Line $5,000.00 Cash Advance Credit Line Available $0.00 Payment Information New Balance Minimum Payment Due Payment Due Date loft $0.00 $2,003.00 September 26, 2010 Lob POP-* wenring: If we do rust receive your minimum payment by the dab used above, you may have to pay a krte fee of up to $35.00 and your purchase and balance transfer APRs far new transmit- may be increased up to the Penalty APR of 18.49% variable. Manage Your Account Online at www.Discaver.corn • Securely access statements and free online toab, pay bib online and track and view all transactions simply and easily • . anMake d rredm ca?skma - -find easy ways to cam • NEWI Access your account securely through your mobile phone Cos c Banue 3 Easy Ways to Contact Us Annie nary Mom 1. Access your account securely at wwwAiscwer cam June 2. CON 1-800.OISCOVER (1-800347-2683 Please have your Discovers card crio2al Opening Cashback Bonus Balance New Cashback Bonus This Period $ 0.00 000 . 3. Write to us at Discover PO Bon 30943, Salt Lake City, UT 84156 Cashbad: Bonus Balance $ 0.00 Far TDD (Telecommunications Device fix the Deaf) To Iwm mono, log in w www.Disoover mm assistance, please call 1-800347.7449. _ .r Transactions Doyle Paynwrb and Goals Aug 31 Aug 31 INTERNAL CHARGE-OFF Fees $ -11,898.93 TOTAL FEES FOR THIS PERIOD $ o oo - idwastlJrarged- - - - - - - - -- - - - - - - - - - - .- TOTAL ItiIEREST-EORTHISIERgQ -- _ _ -- -- . 2010 Totals Year-to-Date _ _ *AW TOTAL FEES CHARGED IN 2010 $ 259 00 TOTAL INTEREST CHARGED IN 2010 . 1,626.00 !Charge Ca ulation Your Annual Percentage Rate (APR) is On annual interest rate on your account. in9 Pared: 11 days Cwnm RRAATEE NUAL P ENTAGE BALANCE RA EGT TO WiEREST CffARGE eee Cash Advances 13.49% V $0 22 99% $0 V . Variable Rate . $0 $0 AddMoeal hrrportud irfannagen Impoftn' Information- g Must" 6 man dun one page a IN$ bdkng Yawmwe, no dm back of each page for oddWonal hnpadt 4ifarnadon Continued on reverse aide. DISCOVER RHIBIT SN Your Cardmensbw Agreement. Your Cwdmembw Agreement contains dl to terms of your Account Lod or stolen cards. Repast knowdkxelyl Coll 1-800-347-2683. whet 1'e a e N rev Tusk 1'aa AW A R-11 -ice as rew sream.nt N you ttnk there u an error on your statement, write to us at Discover, PO Box 30421, Sall Lake City, UT 841300421 In your faster, give m the following inlormaton • Account Wwroatst n Yom name and account number • Dollar amount: The dollar amount of the suspected error Desa0bon ai Rablem: t you shkik There k an wror on your 68, dmscrhbe what yea believe is wrong and why you believe N is a mbbb You must contact us within 60 days after she error appeared on your stowmem You must nolly us of any posed errors in writing. You may call us, but t you do we are not required to i pay the omourhd in quespan. nh' 8ote any potential errors and you may have to While we investigate whether or not share has been an error, the following are true We cannot try to collect The amount in question, as report you as delinquent on cwt amount The charge in question may remain an your sblement. and we may continue to charge you interest on that amount But. Owe determine that we made a mistake, you wry not have to pay she amount in question or any interest or alher fees refined to that amount While you do not have to pay" amount m question, you are responsible for the remainder of your balance We can apply any unpold amount against your credit limp row Rights N You Are Dhas/bRe/ with rear Credit Card Nsrdses" I you ant dissatidksd with the goods or services that you have purchased with your credit card, and you have hied in good faith to correct The problem with to merchant, you may have to right not to pay the remaining amount due an she pwchose To use this right, all of she following must be true I The purchase must have been made in yaw home state w within 100 miles of your cu art mailing address, and the purchase price must have been more than $50 (Note: Neither of these are necessary if your purchase was based on an adwmisemenl we mated to you, or if we own the company that said you die goods as services ) 2 You muss have used your credit card fur the purchase Purchases made wishcash advances from an ATM or with o check that accesses your - erects card dceounl do not qualify, - - - 3 You must not yet have hilly pad for the purchase - - - - - - - - If all of the crassia above are met and you an still dissatisfied with to purchase, commt us in writing at Discover, PO Box 30945, Sash Lake City, UT 841300945 While we Investigate, the same rules apply to the disputed amount os discussed above After we finish am Investigation, we will tell you au decision. As that pant IF we think you owe an amount and you do not pay we may report you as delinquent PaynNuft Send only your payment and the top portion of this statement in the envelope provided Do not send call by yaw check as described clack a b oc*wize us to use Ina o check on y wcche I to make an electrons : fund kansfer From yaw account at the 8rarseid insp Lion indicated an your tran When we ussee information yaw check to male an electronic and dw fur dsorh bo wig k ' to hamster as be tar to amount do fay check. your payment, and you will recent yaw chock back ham yaw financial insTNutws? Yo'r account as soon a des same day we receive The pprocessing of your poyment may be dole R you send cash, correspondence or other, items with your payment t yea send theany otar you use an be credited b your Accowa as pi tat?da? to as provided Paymena received In proper form al ourpro oulpq 64; by 5PM local "me on any day will bey il you have ur your y Payments received atom pracitPC l alter 5PM load tine will be ered'aed to you Account as of As raid • your payment to Discover. 603, Card Steam, It 60197-6103 Please allow 7.10 days (or delivery 0 your payment is returned unpaid, we reserve to right to resubmit N as an electronic debit You con pay yew minimum poymwa at a greeter amount over to teleplhane, and yyoouu can to up automatic poyaneaa Cal us of 1.806347.2683. You will need this statement and C".11 bank on count kdwmasion You must ensure tad calf a funds am available in your bank account omit asp sonsoctons met comply with U S law be asked to provide to first 5 digits of you account sbterrant ZIP code By o" those numbers as ?, you will be dgir 1this outaiisapon to allow u and your bank to deduct each YOU authorize Yaw ask, and is wi t, and h ayme dibR a payment From rive bank maccount dear creddit varies b your ? account, a applicable, b correct an error in the proms paoFyhhsuch You must W w the to Inflilow a you can mind an amount such as the Minkrum Payment Der or to New Balance an each sbtenaroYwr aanconcel a payment however we must natant at least tree business days in advance of On scheduled payment You may no* us by phone at MM347.2683 or by mail at to addms fisted in to p paragraph. I your payments vary in amount we will ten you an each mo dhfy statement when yaw payment will be mode and how much N will be. Your automatic pnymem amount may be lies than indicated on the monthly statement based on credits or payments applied during to billing cycle Credll Repwrtkrg. We may report information abed you Account to credit bureaus Late payments, missed payments, or other ddoubs on you Account map be reflected in your credit report We normally report to status said payment h sbry of yyoouur Account to credit repastng agencies each month t behave that our report is inaccurate or incomplete, tense wale us at the following address . Discover, PO Bon 15316, yyoonuu indicate your name, address, home lelophora number and Account number WTknTngron, Of 198565316 PNose Fayia0 interest: We begin to Impose kderest Charges on at transactions from to Transaction Date for to transaction dawn on your btlkns statement unless a trons«tlon is posted to yaw Account ohw she close of de billing period in which if «curs, in which calm we mggmn b fmpow interest eharom on cwt Trans«Iton from to first day of pie kung period in which it is posted to your Account We comma to interest until to dole your by entire Now "Payment Duero Dote shown on that billing ntgnh o receiving credits M Yo P tie New Salome an your previouso biing?il era wrmw , we wyhp y no impose Interest Charges on new, ppurchases, that is, purchases firZIP peaaxsg on des chwnnot lnt tail ess liash 2 statement or any portian of a new purchow, paid by to Payment Der Date on yaw current billing statement We call M'gr e period • It Agreement on 2 'days WThere Ism grace period on balance trosdws or cash advances As mare fully described in to section al yax Cordmembor APPLY PW?ds,' we garerally apply pa =166 pa your Account based an to APR applicable b the balance d each transaction category This means cwt t do not pay the New Bakince on Ihe current b RA ng statement by the Payment Due Date shown on that billing ac"mem, tan, depending on The amount at your payment and Ihe APRs an other balances, you may not get a grace period on now purchases AAfnimsem Interest Charge. We will charge you a minimum interest Charge of t 50 for arty billing period in which Interest Charges d less than t 50 would otherwise be imposed Annual Fee. t your Account has an annual fee, it will be billed at the mmng of each anniversary ywir your Account is open The amount of to fee appears on the aarernem when to tee is billed The annual fee is not refwhdable unless you notify u1 Ihat you wish to close your Account within 30 days of to I^B de6my dated to statement on which tw Fee is billed You will receive this refund even t you use your Card during tsar period Flow We Calculahe Int~ Charges • Daily Balance AAsN7od (indisding arrwN tea period To do this rteosldoeo): We figure knMmd Charges For each billing We calculate your Insisted Charges separately for each baksnce wb(ect to dtiwent terms liar example, standard purchases, sbndod,cads advances and each purchase, balance Nonsler and cash advance balance sub(ecl to promotional terms) We refer to these balances as transaction categasies We figure to •daly balance` for each transaction category To get ta'daty balonc?e' we tab the can balance for each day, add O11Y new the b o either ther ens and fees and arty knMea Ghergn «cruad ca the pevious 1 bakence W? ^? r na adjusknerts (ir>cludina terse odjudmenged in des section T '" " `any credits and payments ohd ? a8onsbafeidenee hr a man sbnatebgaokrynee' b have 6eePonyour balance an to ka sfor Rnl Wm (igun to letesea Charge on yaw Aeewmf by muitiplykg to daily baksnce fur taeh pamaeTion category by is der day N the billing pitted Ty perfodic rate, For mash The 70101 inbred CNdrgsi for the Wing poi U are this sum of the daily - Interest Chorgu - - - w billing period ' ikr ebch'Irarisaeli6ri tsgery attach day duffing Aat' - - - When win calculate dopy bola was add a new transaction as of to Transoction Date shown an yaw bill aaMan ante. tw pva«ton is posted to Yw!r Acc un dtwthe h close of to billing period in which N accurs, in which case the transaction wOl bs added b to daily balance as of the first day of to n8 4 Is posed to your Account. All Fen c to your Account we added to to standard purchase transaction category with to exception of Cash Advance Fen which on added to to opt ke cash advance transaatio category and Balance Transfer Fees which we added to tw applicable balance transfer transaction category ForSI L aL Fee: 2% of the U S dollar amount of each purchase made in a foreign currency Penally Mile: Each time you ht to make a payment when due, we may, in accordance with appbcabhs pow, (n terminate to availability of any intro /promaXond APRs on new transactions, and Ind) increase your PRs For new transactions to variable Penalty APRs which will be determined by adding up to an Nlonal 5 percentage points b to otherwise applicable APR Your Penalty APR is determined based on your creditworthiness and otter hcTws such as you cwreM APRs, and youraccounthistory If your APRs for new, transactions we increased for a late payment she Pmnaby APRs will apply Indefinitely For TDD (Telecommunications Device for the Deaf) aselelance, please call 1-800-347.7449. Discover may monibr and/or record telephone calls between you and Discover representatives For quality assurance purposes The Dficavarm cod is issued by Discover Bank, Member FDIC OITBK172 m 0 Cn Law Offices of Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 October 21, 2010 RE: DISCOVER BANK vs. MARLENE HIGGINS COURT #: TO THE SHERIFF OF CUMBERLAND COUNTY: PLEASE SERVE THE DEFENDANT(S) AT THE FOLLOWING ADDRESS(ES): MARLENE HIGGINS 5525 BARBARA DR MECHANICSBURG, PA 17050 Please confirm service by sending notice to: WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08699292 C A Pit CXC VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that she is Natasha Szc iel Account Manager of DFS Services LLC (Name) (Title) plaintiff herein, that (Company) she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and belief. WWR# 8699292 Marlene Higgins 6011002490388170 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor OFFJCE °"A i f G 5",ERIFF Discover Bank vs. Marlene M. Higgins Case Number 2010-6932 SHERIFF'S RETURN OF SERVICE 11/03/2010 10:13 AM - Gerald Worthington, Deputy Sheriff, who being duly sworn according to law, states that on November 3, 2010 at 1013 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Marlene M. Higgins, by making known unto Tony Higgins, Husband of defendant at 5525 Barbara Drive, Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $37.00 November 05, 2010 GE LD WORTHING DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF M C-D rT' :710 jo) Coun'.ySutte Shenff. Teleosoff, Inc. Marlene Higgins 5525 Barbara Drive Mechanicsburg, PA 17050 Court of Common Pleas Cumberland County, Pennsylvania Discover 6500 Albany Road New Albany, Ohio 43054 Marlene Higgins 5525 Barbara Drive Mechanicsburg, PA 17050 Case Number: 10-6932 Plaintiff Defendant Motion to Compel Arbitration Marlene Higgins (Defendant), hereby answers the complaint of Discover (Plaintiff) for its self alone as follows and moves this court to bar, stay or dismiss Plaintiffs claim based on the following: 1. Plaintiff filed a complaint against the defendant for credit card balance due. 2. Defendant moves this court to compel binding arbitration based on the credit card agreement provided by the Plaintiff. a. The parties are bound by Credit Card Agreement to settle disputes by binding arbitration, not by litigation, upon election of either parry. This motion constitutes notice of election by the undersigned to have this dispute resolved by binding arbitration, as FILED-OFFICE OF THE PROTHONOTARY 2010 NOV 18 PM 2= S I CUMBERLAND COUNTY PENNSYLVANIA provided for in the Credit Card Agreement. 3. Plaintiff has never sought to take the defendant to arbitration. 4. The Federal Arbitration Act (FAA), 9 USC, Section 1-2 provides: a. "A written provision in any maritime transaction or a contract evidencing a translation involving commerce to settle by arbitration a controversy thereafter arising out of such contract or transaction, or the refusal to perform the whole or any part thereof, or an agreement in writing to submit to arbitration an existing controversy arising out of such contract, transaction, or refusal shall be valid, irrevocable and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract." 5. Defendant requests that pending the court's ruling on this Motion this action be stayed. 6. FAA, 9 USC, Section 1-3 provides: a. ,if any suit or proceeding be brought in any of the courts of the United States upon any issue referable to arbitration under an agreement in writing for such arbitration, the court in which such suit is pending, upon being satisfied that the issue involved in such suit or proceedings is referable to arbitration under such agreement, shall on application of one of the parties stay the trial of the action until such arbitration has been had in accordance with the terms of the agreement, providing the applicant for the stay is not in default in proceeding with such arbitration." WHEREFORE, Defendant requests that: 1. The honorable court stay the Plaintiffs complaint and any and all actions rclated to this case. 2. The honorable court compels the Plaintiff to seek binding arbitration per the terms and conditions of the Credit Card Agreement. November 18, 2010 Marlene Higgins Defendant in Pro Per Marlene Higgins 5525 Barbara Drive Mechanicsburg, PA 17050 Court of Common Pleas Cumberland County, Pennsylvania Discover 6500 Albany Road New Albany, Ohio 43054 Marlene Higgins 5525 Barbara Drive Mechanicsburg, PA 17050 OF THE?PROTHONOTARY 2010 NOY 18 PM 2: 52 CUMBERLAND COUNTY PENNSYLVANIA Case Number: 10-6932 Plaintiff Defendant Response 1. Marlene Higgins (Defendant), hereby answers the complaint of Discover (Plaintiff) for it's self alone as follows and generally denies the allegations based on lack of information and belief. 2. Defendant elects to have all disputes related to the credit card agreement resolved by binding arbitration. 3. Due to serious financial crisis, defendant does not have sufficient funds to pay the full amount of the debt, if any. Over the past 9 months the defendant has undergone treatment for cancer. Treatment is intensive and chemotherapy occurs every 11 days for three days. In addition, the defendant's husband had several serious car accidents and was hospitalized for over three weeks and subsequently diagnosed with epilepsy. Both of these have created significant emotional and financial distress on the defendant and family. The Defendant is enrolled with a program with Diamond Financial to assist in getting financial matters in order. Sec attached certification. WHEREFORE, Defendant requests that: 1. Plaintiff takes nothing by way of their complaint; and 2. For Defendant's cost of the suit. Novembcr 18, 2010 Marlene Higgins Defendant in Pro Per diamond -4 FINANCIAL GROUP 11/11/2010 Client Identification Number: 276907 To Whom It May Concern: This letter serves as confirmation that Marlene Higgins enrolled in Diamond Financial Group's Debt Settlement Program on 3/19/2010. Marlene Higgins has selected a 32 month program that will settle Marlene Higgins's outstanding unsecured debts within that timeframe. Sincerely, Client Services Diamond Financial Group (800) 498.7510 P.O. Box 2640, NEWPORT BEACH, CA 92658 (800)498.7510 PHONE (800)498.8945 FAX DISCOVER, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA VS. CIVIL ACTION - LAW NO. 10-6932 CIVIL MARLENE HIGGINS, Defendant IN RE: DEFENDANT'S MOTION TO COMPEL ARBITRATION ORDER AND NOW, this 9 day of November, 2010, a rule is issued on the plaintiff to show cause why the relief requested in the within motion to compel arbitration ought not to be granted. This rule returnable twenty (20) days after service. BY THE COURT, :??6 . /? 4. Kevin A ess. P. J. co P11412S mtt (1`L C`3 rya . ;..., 7" 1 CO ? y 7D -<> CD -7 1 T' t:? ? y C4 1A PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typev*itW and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the?ne? Argument Court.) please list the within matter for the next Argument Court. CAPTION OF CASE (entire caption must be stated in full) Discover Bank V& Marlene Ili-gins ----------------------------------rn 03 =Z ? ? t C p' C'3 C) No 10-6932 Civil Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Motion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: Sarah E. Ehasz, Esquire, 1400 Koppers Building, 436 Seventh Ave., Pittsburgh, PA 15219 (Name and Address) (b) for defendants: Marlene Higgens (pro se), 5525 Barbara Dr., Mechanicsburg, PA 17050 (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: May 27, 2010 It Date: April 22, 2011 Signature Sarah E. Ehasz, Esquire Print your name Plaintiff Attorney for ?,J r C:y -s C7 r.. ?wv INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Pieff mnoMly) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shalf Ve'their briefi5 days prior to argument. 4.*09menCis continueda#ML#!jjfthest be filed with the COURT ADM1N18TRAT0R (not.thp Prothonotary) after the case is relisted. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. MARLENE HIGGINS, Defendant. Case No.: 10-6932 MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF.. Plaintiff COUNSEL OF RECORD OF THIS PARTY: trt r rn " S coy ?c Sarah E. Ehasz, Esquire PA ID# 86469 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8699292 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 10-6932 vs. MOTION FOR SUMMARY JUDGMENT MARLENE HIGGINS, 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 $11,898.93 with interest at the interest rate of 13.490% per annum from September 8, 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 March 14, 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 WWR# 8699292 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 January 15, 2010; and that $11,898.93 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 $11,898.93 with interest at the legal interest rate of 13.490% per annum from September 8, 2010 plus attorneys' fees of $125.00, and costs. Respectfully Submitted: By: i 1 I Sarah E. Ehasz, Esquire PA ID# 86469 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8699292 Supreme 01" -,R nsylvania 9Y County unaro u 08699292 C A Pit CXC For Prothonotary Use Only: Docket No: The information collected on this form is used solely for court administration purposes. This form does not r71nnivm(,nr or reniare the tainr and service of'oleadints or other pavers as reouired by law or rules of court. A Commencement of Action: C,)mplaint ? Writ of Summons ? Petition ? Notice of Appeal ? Transfer from Another Jurisdiction ? Declaration of Taking Lead Plaintiff's Name: DISCOVER BANK MARLENE HIGGINS -1 ? Check here if you are a Self-Represented (Pro Se) Litigant Name of Plaintiff/Appellant's Attorney: LeJs3itle C_._?TrtrlJS?t . 42 ?24? ~ W I^- Are money damages requested? : Yes ? No Dollar Amount Requested: within arbitration limits (Check one) ? outside arbitration limits Is this a Class Action Suit? ? Yes N No Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) ? Intentional ? Malicious Prosecution ? Motor Vehicle ? Nuisance ? Premises Liability ? Product Liability (does not include mass tort) ? Slander/Libel/ Defamation ? Other: 0 N B MASS TORT ? Asbestos ? Tobacco ? Toxic Tort - DES ? Toxic Tort - Implant ? Toxic Waste ? Other: PROFESSIONAL LIABLITY ? Dental Q Legal ? Medical ? Other Professional: CONTRACT (do not include Judgments) ? Buyer Plaintiff Debt Collection: Credit Card ? Debt Collection: Other f L ---Jl ? Employment Dispute: Discrimination ? Employment Dispute: Other ? Other: REAL PROPERTY ? Ejectment ? Eminent Domain/Condemnation ? Ground Rent p Landlord/Tenant Dispute ? Mortgage Foreclosure ? Partition ? Quiet Title ? Other: Pa RCP 7gSi CIVIL APPEALS Administrative Agencies ? Board of Assessment ? Board of Elections ? Dept of Transportation ? Zoning Board ? Statutory Appeal: Other Judicial Appeals ? MDJ - Landlord/Tenant ? MDJ - Money Judgment ? Other: ]MISCELLANEOUS ? Common Law/Statutory Arbitration ? Declaratory Judgment ? Mandamus ? Non-Domestic Relations Restraining Order ? Quo Warranto ? Replevin ? Other: I- NMI 212010 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: vs MARLENE HIGGINS 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 08699292 C A Pit CXC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Civil Action No MARLENE HIGGINS 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 RO_=tD NEW ALBANY , OH 4 3 0 5 4 2. Defendant is adult individual(s) residing at the address listed below: MARLENE HIGGINS 5525 BARBARA DR MECHANICSBURG, PA 17050 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX8170 . 4. Defendant made use of said credit card and has a current balance due of $11898.93 , as of September 08, 2010 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 13.490% per annum on the unpaid balance from September 08, 2010 . A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 3. Plain--iff a•,hers 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 , MARLENE HIGGINS individually , in the amount of $11898.93 with interest at the rate of 13.4901 per annum from September 08, 2010 plus attorneys' fees of $125.00 , and costs. Ja s Warmbrodt,42524 WE T WEINBERG & REIS CO., L.P.A. 43 Se enth Avenue, Suite 1400 P?ttsb rgh, PA 15219 X12-338-7130 FP?86/-91,292 12) 434-7955 C A Pit CXC This law firm is a debt collector at?mpting to collect this debt for our client and any information obtai ed will be used for that purpose. DISCOVER $Balance New Minimum Payment D..] Payment Due Dote September 26, 2010 31 SDSN6A010000678 MARLENE HIGGINS 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Account Number ending M 8170 Enter Amount Enclosed Below -? $ 1 Go papertess and make your account intormatbn more secure with password- ffprXI ed statements - you can access. Leam more at discovers upapedess. PO BOX 6103 Illtmilli t,rrllt,r.llrIit11 CAROL STREAM IL 60197-617t03 Address, amail or!aieohone changel Ito$11111r1/11 fill I I is Itit If# I I t if l If 11 Is I fit HIT I I I it, JA :moo `o wv .Discoversorn or print change in space above. 000001986458512395191000000000000000200300 Opening Date: August 21, 2010 - Closing Date: Augur' "' ^^ piscover More Card Account Summary Account number ending In 8170 Previous Balance $11,898.93 Payments And Credits - 11,898-93 Purchases + 0.00 Balance Transfers + 0.00 Cosh Advances + 0.00 Interest Charged + 0.00 Fees Charged + 0.00 New Ba ante -$0.00 See Interest Charge Cakviation section fallowing transactions for detailed APR information Credit line $10,000.00 Credit Unit Available - 50.00 Cash Advance Credit line $5,000.00 Cash Advance Credit Line Available $0.00 Cashback &mue Anniversary Month June Opening Cashback Bonus Balance $ 0.00 New Cashbook Bonus This Period + 000 Cashback Bonus Balance $ a.oo To barn ensue, ?g M m vuww.oiuover.com ., . t...yo .... r Payment Information New Balance $0.00 Minimum Payment Due $2,003.00 Payment Due Dote September 26, 2010 late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a kite fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penaky APR of 18.49% variable. Manage Your Account Online at www.Di=over.com • Securely occeu statements and free online tools, pay bills online and track and view all transactions simply and easily • Make your money worth morel-find easy ways to earn and redeem cash.aswards... . . • NEWT Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at www.Discow corm 2. Call 1-8004)ISCOVER (1-800.347.2683) Please have your Discoverm card available. 3. Write to us at Discover PO Box 30943, Sak Lake City, UT 841 §0 For TDD {Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. -- - Transactions Trans. Post Date Date Paynsenh and Credits Aug 31 Aug 31 INTERNAL CHARGE-OFF $ -11,898.93 Foss TOTAL FEES FOR THIS PERIOD $ 0100 bwress-Charged... - - - _ - .. - - - - - - ... _ TOTAL INTEREST.FORTHISSERIOD - - - - - . - - - . - - - - - - - - $- - - - - 0.00- - - - - - - 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 259.00 TOTAL INTEREST CHARGED IN 2010 1,626.00 6810MI Charge Calculation Your Annuoll Percentage Rate (APR) is the annual interest rate on your account. ANNUAL PERCENTAGE BALANCE SUBJECT TO Current Billing Period: 1) days RATE (APRI INTEREST RATE INTEREST CHARGE Pumhoses 13.49% V $0 $0 Cash Advances 22.99% $0 $0 V = Variable Rate Additional importaro Information Important Intorrnallon. It there Is mae Pion one page to ills W69 slat-4, see the back of each pose for oddific-1 Impod-4;.f-t1c n Continued an reverse side. C DISCOVER EXHIBIT See your Cardmember Agreement. Your Cardmembw Agr....M contain. all the arms of your Account tot or Bolan cards. Report immediaselyl Call 1.800-347-2683. Wises To De NYou Think You Find A Mistake On Yew Stalows"t If you think there a an error on your statement writ b us w Discove(, PO Box 30421, Solt take CiN• tli 841300421 Inyow 6N-, 9,.. us"lolbwin9:nbtmo8o. Account inf.rm.uore You, name and account number Oo4or amwmt: Ths ddlar omourst of +hs su,pactd en« Descr"an of Problem: 4 you think there is on error on yaw bill, dauribe what you believe is wrong and why you brg- it is is mistake You musk consort us within 60 day. afar she error appeared on your mokmant You must polity us of any "okii erron n w,". You may call ua, but 4 you do w. «e rat required to imsolgab any potential error. and you may have to pay the arnount in quess;on While we invem:gote whethn or non these has been on error, the fo4owing are vue We runnel try ho c.1fech the -m :n 9-1ion, on report you ua <.6c;-# on Iho1 amount Ths charge In oueuion .nay remain an your siarenrhem. and ,•e mcy cominhx to ch.fge you inbrnt on Ina! ama,ns 3w, 1 we delehmine tat ws mode a misb:e, you will nah love ;o pay +he amou.v 'n ?,uwli.n or any -nmu.,t or .loon Ees 4. d to that amazed W hJe Jnu do .a Ynre.e,yys•?uassion. you aye nsibie -"he remmnden of 'asst balance 'hie con apply any unpaia ainoml ogaou your cretin dmit Y.or Right. If You Are 0ls.aris8ed With Your Credit Card Purcf,axa g you ore du,wh6d with the goods or services than you hove pwchosd wth your credit card, and you lave vmd in good fosth to correct the problem w4h hh. merchant, you may 1-. his. right -11. pay th. remaining amount due on tae purchase To u» 1N. right, it d the Wkswirg must be i- 1 The purchase muss how been mode in your I-. stele w within 100 lea Of your current mailing address, and the purchase price mua hove been me,* Ilion $50 (Note: Neither of these are n«vuoryd your purchase woe based on an advenisemant we mailed to you, w if we own the company thew add you the goods or services ( have u>ed yew cud4 curd I« the pw<Msa. Persian,! mode with cads advances from an ATM 9, with a check that accesses your 2 You myal - - - . , credt c«d dccouui do nol quohly ' 3 You ,mom rsol yet huts hilly paid 61 the purchase If o4 of 1M roar:..be- are mss and you an mill Jh-k,R.d with she purchase, contact us in venting at Discover, PO Be. 30945, Soh take City, UT 841300945 O While we invealigole, the same rubs apply b use disputed amount as discussed above Aber we finish atm inve.figaeon, we will log you our z decision At the point g we think you owe on amount and you do net pay we may report you as cf.WK stem g Payments. Send only your payment and t» by portion oI tits sblemaM in rise envelope pavrded DO Ihal send <edl By s.nr8n9 your check as described Or leave, you aulhorixe us b use inlamation on your check to make on elechonk fund transfer from yaw xcauM all she Iunarhefol In>tlbfon Indicated an your o check « to grace. Ins pa menu m a cluck uonsaclfon 0 payment is pccss,ed w m elecuosuc fund nwufer, Ow Iromfer will be for 16 amount of the check o when we u» Idofmdion your check to make an alecvonic fund transfer, funds may be withdrawn from your account as soon as the some day we receive 8 your palmmrt, and you will hot yew check back 4- your financial haautlon as The processing of your payment may be delayed t you send cash, corsesponcimce « other Rem, wo h yaw payment, X ou hard the paymsm to erry other vd d P. m A received in rous in ddr ss use o enveb the, tan the r form w ow kc8i b SPM l o 9 o cal Nin d ill y g pe. v . p p s y y n any a e w y u n ens p o o ay w e our Acc t da % ,dn b<ita . 5PM I«ol Imh was b• <radit d ta nt f t rn.M. rec.i d at our d w e unt l d 6.., J6 p t . y ou a, o a y y ve e y a. a » ous . . g r w aro pr«e col Stemm,1160197b 103 Plaa» allow 7.10 days for ddwery d on mDi??or,PO x6 kpi? n 6p , y rf y a ( ?neM i n ed u paid, . w tra ighl b ro b lect sst debit you You can p.y your minhnum poym.nt or o greases .noun over the tai.phon., oral you can ant up aubmdie paym.nts. Collus d 1.8134347.2683. You wll need this std.sn.nt and yaw book accawll irdo,rahariorh You mum !serer! tat wNidew hxhds ore .v.g.Ms 6 your brisk otcnwM, and.g tran,actbn: moat comply wits U S. law You wig be asked b provide the War 5 digah al yew account maiems.l !IP cods 8y .sabring thous numben cayour elechonk you will be ogreviey to this awhorlmhon to allow w and yaw bonk to deduct each p. men you awhoriz. hon yew bank -.a,.* and to I.Owe Rcabl b correct m en« in Iho ssin our book s o oc uch o m.M You mhM" s t mM f m f MbR ar credtenuie, to h t y acc pp o. pr e g o s , a pr u » amou o eac poymws y « you con select an .-.1 such as the Minimum Payment Owe or the New Balance on each staleraeM You can cancel a payment however we must tsreive odic.. at least three Isushsew, days 6.d-o of she scheduled payment You may notBy us by phosle al 1.800-347.2683 «by molt at the address Btted In to fev"sus ill t ll state r o h If our ments var in m o each monthl nt he our d a it) b d h h i ill b t 4 pa sMp p . y pay y we w e you n y rh a oun me w n y paym r w . ma e ow muc t w P .. t d d h l b d ct l h l kos Your aubmtc payment amount may be less t an In on t e mon h ase an a in or payment, app y twtemcr4 ied during the billing cyc e Credk Reporting. We m rvp«i inlwaieskm about your Account b credo bu,eaus two payments, mkssd paymems• or usher defaults an your Account tat b nliacbd 6 t We n« , g «I th N hpta r Ac o h If dr d f ! b dR ti i h mmaayy . yew cr r.p« n a y s.p us an poym. you e s ry o c unt cre ,ap« rh8 agenc mont es eac you bellev. trot ow repot is In.ccwab « bcompleb, erase our:b us at use (ogowrg.ddres> w.r, PO Box 15316• Wghmnes.., DE 190565316 Please indicate your name, address, home leephone number and Account number - . . Payrng Iinto roct: We begin b Impose interest Chwges on erg transactions from the Tronsadion Date f« the hansaeton shown on yaw bit l?hp sbtsmeM, unless a honsoclbn b ealed b our Account afar due close of rhs bi4irh eriod to which ill o cur. in wlhich coav • M in b (m int t T 1h g p , p c p«a eres hwgas on w c y n w transaction from Ih. firm day 4 the 611m9 period in which a is posted to your Account We continue to imposer IMeaem C rgas anal the Boa you goy our y enlh. New Bola... shown on your billing slobment by moki%menn or ,ec.Fing credits II youpaid d» New Bolan. on your pavfous bikng sbbmom P b t h W D h 60i ;, ) h h ayment y ng statement, we W » e ab s own on I w t impose tnbieff Ch.fgas vn n,e w purc - aser t .l 1st pwchoses Brsl oppaorhng on tiro current bii,g stal.maM, «ony portion of o new purclww, paid by the Payment Des Daa on yew current bilBng mwemaro w. can ruler ths'gseea period' II ' -6 ss th.n 25 days Then is no grace per on bohxsce hansfsn or cosh arlvarrces As muss h'gY described M the tectbn d yyaowM Cordmember A re mhmt ti11ed'How We A l P N ; rdl F s 1h t t A d A1R lk bl nt b t b l h f 9 y s pp ayme . we 9ene ccou a y app P paymen s o our on s s b h. e opp . a ance o eac Ironsactbn ote9ary This mvara Ihol g you do rat goy to New Balance an 8se cw,eM bipuhg ,aotcmcM by the PayawM Due Dwe shown on llsol biliirsg s7oament Then, depenalrg am the amourv d yew poymeru and the APRs on wise, balance., you may not gut a groc. period on new purchase. Affinimwn Interest Charge. We will charge you a minimum bterem Charge of $ 50 (« any billing period in which truss.' Charges of less than S 50 would .tkerwiw be imposed Annual Fee, If your Account has an annual fur, R will be billed .1 the begimtng of each onnivarwryry year your A-" is open The amount d the lee o hi avin i aas on tss bbr,h n fie f is lolled Th a " f 1 fi id bl l u tif that i l h t lt In 30 d f t A pp e s na a e you no y us s w ee e n oo r. e vP you w s o c ams your ccount w h ay, i * malong « dakverydab d the stwamam on which the fee it billed You win rscewe thus whmd Ivan it you u» yew Card dwkg that period How We CoWate Interest Charges - Daily Balance Method (induding --.# Imn--ions): We 89we Interest CMrg.s far each bit:rg period To do due we cakulob yew I .rem Charge. tap«olely for mch bobn<e subj.ct b d 8a,ent teams f for example, s ondord is ho»s, sbnd«d cosh odvanws and exits purchase, bdonce rranaler and cosh advance bonne! subfKl b pomosbnol arms) We rent la that. balPMe> PS Ir.naoction c.bg«b. We Sqg ths'd.4y b.,.-. Far earth uanmscif.n cabg«y To dw'doily bale ca we bk. the b balance for ouch day, add any new honsxfi«c ofd (.es and any Interem Ghargea x<rud on 1M pr.vbus ddaasy?'s dagy bobnc. We Inn wbhau any crsdb and poyn»MS and make usher adjuum•nu tinc?bdin those atij ue.M. r i th : d i b aU m'( t d'P ht k ldp d d g b l f hu h n9 9 u. sgv r n ..ec oy on . er. o ca u yr ,. a y a ance or t e m Bo of 1h. 6446 .doA w. cofalder she' r.vious da 's dail lonc.' b have bum r l b l th loll b billi f e y 9 p y p y you w anc. on a ey o your prev ng u, perod TMs gist., ua IM dally b.lonc. nor each nanwcton category. W. fi9un 1M I nbrot Ch.rges on yew Account by m,trlphi^a rM dally Isolonce (or .ac1h Iron.aceon caegoy by is dory p.rladl< roe, f« each day b the bg*q petal " ' - - - - : ' The IdW tMs,em ChaiG. t« the bl" per i -J a e 11,4 sum,I H. daily tmi-a Chaigei foi Becht transedibhi cdegsiry lei such Boy during th l billing paled WW" user cak.kme doily bolo.ces, w• add a n.w transact- a of tae Tran,ortion Oil. shown on your bigi.9 mam.,xi, unl.. A» hm,«ticm is poised b t A t h l A l d rh l 61 d h h d hi h i d h ccoun ccun o a tar t e c ose s " p..,. in w case t e aamoctfon wi l be a t accwv, in w ic de to t» daily baance as of the first day of c t+e 4X16 period in which it 4 osed so our Account An fees char ed to ow Acc- are add d to th dard v i ta h it h 9 p y g y e e s n ose an-cs cm c.".,y w ppuwfc h t e •xc.ption.1 Cash Advance Fes. which acs added to Ih• a licable cash adwnca sronsaction cate c Twn l or wit Bal hi r f h d dd d pp g y an s a e c one a a ees w e w applicable belwnce ho.J.r tran,actl«t category FormigO ppry Fee: 2% of the U S doffor owwni of each purchase mode in a f«agn currency Ptm sty APRs: Each i m. you fat ta sake o paym.w when due, we may, in oc<orduece with applicable low, (Q teminMs *4 .volbb Poy of any wodKwy/pron,«lor»I APR. on new Roae«uam, and id) increase yaw APRs for new hon,octom b variable penalty AM which wig be delete and by adding u ban addRl" 5 irmenb e ants b the otharwis. a licable APR Your Penalt APR I re ind b s d d di hi d h f h p P g p pp a y s a e on your cre twort ness an us er actors suc as yew current APRs, oral your account history if your APR, I« new Iansacaons aaa incraoaed for a lot. payment, she I-* APRs wdl apply Irddlnh.fy For TDD (Tokcasnmarrsicofiom Device for the Deaf) assMonce, place* call 1.800-347.7449. Discover may mcmft, and/« rec«d telephone call, between you and Discover rep.,enloeves f« quatiy aswronce purpose, Th. D1-,(D card is issued by Discover Bank, Member FOtC OITSK 172 Law Offices of Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 .ctober 2010 RE: DISCOVER BANK vs. MARLENE HIGGINS COURT #: TO THE SHERIFF OF CUMBERLAND COUNTY: PLEASE SERVE THE DEFENDANT(S) AT THE FOLLOWING ADDRESS(ES): MARLENE HIGGINS 5525 BARBARA DR MECHANICSBURG, PA 17050 Please confirm service by sending notice to: WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08699292 C A Pit CXC VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. ;4904 relating to unsworn falsifications to authorities, that she is Natasha Szczyeiel (Name) Account Manager of DFS Services LLC , plaintiff herein, that (Title) (Company) she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and belief. W WR# 8699292 Marlene Higgins 6011002490388170 Marlene Higgins 5525 Barbara Drive Mechanicsburg, PA 17050 Court of Common Pleas Cumberland County, Pennsylvania Discover 6500 Albany Road New Albany, Ohio 43054 Marlene Higgins 5525 Barbara Drive Mechanicsburg, PA 17050 FILED-OFFICr n; TH 1 P R oTH ofa0)'c,R), 2010 t4GIV 18 PM 2: 52 r IBERLAND COUi?ffY Case Number: 10-6932 Plaintiff Defendant Response 1. Marlene Higgins (Defendant), hereby answers the complaint of Discover (Plaintiff) for it's self alone as follows and generally denies the allegations based on lack of info-irnation and belief. 2. Defendant elects to have all disputes related to the credit card agreement resolved by binding arbitration. 3. Due to serious financial crisis, defendant does not have sufficient funds to pay the full a*rrount of the debt, if any. Over the past 9 months the defendant has undergone treatment for cancer. Treatment is intensive and chemotherapy occurs every 11 days for three days. In addition?, the defendant's husband had several serious car accidents and was hospitalized for over three weeks and subsequently diagnosed with epilepsy. Both of these have created significant emotional and financial distress on the defendant and family. The Defendant is enrolled with a program with Diamond Financial to assist in getting financial matters in order. Sec attached certification. ExHIBIT WHEREFORE, Defendant requests that: 1. Plaintiff takes nothing by way of their complaint; and 2. For Defendant's cost of the suit. November 18, 2010 Marlene Higgins Defendant in Pro Per diamond VP FINANCIAL GROUP 11/11/2010 Client Identification Number 276907 To Whom It May Concern: This letter serves as confirmation that Marlene Higgins enrolled in Diamond Financial Group's Debt Settlement Program on 3/19/2010. Marlene Higgins has selected a 32 month program that will settle Marlene Higgins's outstanding unsecured debts within that timeframe_ Sincerely, Client Services Diamond Financial Group (800) 498.7510 l P.O. Box 2640, NEWPORTBEACH, CA 92658 (800)498.7510 PHONE (800)498.8945 FAX IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL, ACTION DISCOVER BANK, Plaintiff. ?,jo : !. 1-093 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: I. These requests are made under Pennsylvania Rules of Civil 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 required 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 as to 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 more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director 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. I IT 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; S_ The wor,_' -'document{ means all written, printed, recorded, graphic, or ilO?,ve? cT'o iuced or reproduced. ??ertllnln'Y to Inv 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) identi , each and every person(s) participating in such an act; (3) identify all other erson 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) identi 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 frilly 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 production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period- All documents identified in response 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. 1-QUtSl 'S 1Chlleld ') he 17aSIS Of am, i I aln1 or ??fl`. i? C I '"113f3r a??_ t t,i;- `h It •_I?C'1fP,C ?r '3s 3C?dr°JseC, inQl QYe"? or blind ?-+)ples, 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 Plaintiff's Complaint. ,,dm ittcd I f the answer to Request for Admissions No. I 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 August 20, 2007 through August -,1, ?010 and attached to these requests as Exhibit "1 Adm itte?l Denied If the answer to Request for Admissions No3 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 "1" are correctly identified for the underlying credit account. Admitted It the ?.:insti?cr to K quest for Admisswns is anything than an unqual i hed 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 January 15, 2010. Adm itted 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. Wmi'ted 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 "I" correctly identify the interest rates for the underlying credit account. Admitted Denied 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. \dmitted 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: $11,898.93 is a correct and accurate current balance of the credit card account in question as of September 08, 2010. \d rn i rte;l 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. J William T. Molcz , 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:8699292 DEFENDANT'S VERIFICATION 1 _ (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities er15 that the tore oin Responses are rri e -r,d correct m (he besi o my I nowledge, iniOrmation 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 i?day of Marlene Higgins 5525 Barbara Drive Mechanicsburg, PA 17050 -Z ? ? `' ?' By ?/ DISCOVER m.38 Ce 20 SDSN6A01 0012876 yy??HIGGINS, MARLENE 525 BARBARA IBI MECHANICSBURGDPA 17050-7216 Minimum Payment Due 1 i Account Number ending in 8170 $15.00 J I Enter Amount Enclosed Below Payment Due Date $ ?- September 19, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. Go paperless and make your account information more secure with password- statements only you can access. earn more at discover.comlpaperless. CSI 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 111111 16111111111,.,11111r1 CHARLOTTE NC 28272-1084 11(1 O 111111)Ill let) 11) 1)111)))(111111111111)) 11) 11111 l I i 1¦ll 000001986458512395191002433800000000001500 Discover More Card Account Summary Closing Date: August 20, 2007 page I of 2 Account number ending in 8170 Previous Balance $0.00 Payment Due Date September 19 2007 Payments And Credits 0.00 Minimum Payment Due $15.00 Purchases + 243.38 Credit Limit $15,000.00 Cash Advances + 0.00 Credit Available $14,756.00 Balance Transfers + 0.00 Cash Credit Limit $3,800.00 Finance Charges + 0.00 cca-h C.-u':: .. $3.800.00 New Boian?e - 5243.38 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 + 0.61 Cashback BonuA Anniversary Month: June Coshbock Bonus Balance S 0.61 Cashbock Bonus(R) is America's #I Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular calegortes throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? p I Visit Discover corn to pay your bil for rw `esi, viewyo ur latest Account information, earn and redeem rewards and mars It's your choice - 3 ways to help 2. Call I-800-DISCOVER (347-2683) for Post, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Writs us at Discover Card, PO Box 30943, For TDD (assistance far hewing impaired) see reverse side Sat lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dais Merchandise/Retei Aug 4 Aug 4 WAL-MART SC #1886 MECHANICSBURGPA $ 93.09 Restaurar h Jul 28 Jul 28 RED ROBIN #329 MECHANICSBURGPA 26.38 Gasoline Aug 2 - lag-2 -SUNOCO MECHANICSBUR PA - - - 13.99 - - - - - - Trevel/Entertainment Aug 5 Aug 5 BLOCKBUSTER VIDEO #42109 WINDSOR PARK PA 9.09 Supermarkets Jul 28 Jul 28 KARNS QUALITY FOOD SNQ MECHANICSBURGPA 28.18 Jul 28 Jul 28 KARNS QUALITY FOOD SNQ MECHANICSBURGPA 37.21 Aug 4 Aug 4 WEIS MARKETS #58 MECHANICSBUR PA 35.44 informa#ion For You Discover Financial Services is proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Consider donating your Cashback BonusIR) to JDRF and you can help fund research to find a cure. To further your donation, Discover(R) Card will add on additional 20%. Visit Discovercard.com Manage your budget, hack your spending and avoid fees with FREE timely e-mail reminders. Loom more about e-mail reminders and other easy ordirm account management options at Discovercard.conn/raminders inPorUnt Warmdbn. If there is sure imam pope bin bring staterned, see ft bark d dodh pope for addliurl ?i idomwion. Sex yon CadnernbwAgmmne nt You Cmdmnaber apssmed mrnam all the leans of your Accord. Lost or stolen cards. Repot iutbdai Call 1-800.347-2683_ Biting Rlghh Sunrnxy. In Cm d Enos or Quedo s Aboul Yaw 89 k you bit your bill s wag or iyou need more iiMrA6M about a' arnsecrorh anyar billwas rsom s seperab slasher paper d Discover, PQ Bat 30121. Sak LAe Cry. U1 841204421. as soon as possible. We nod hear ran you no INr tm 60 days afkrw sestyou to 69 b# on which the am or probi+a appeared. You can klepfune us, but doing so we not preserve you rQw in you rater, give us to blowing i lonsaion You ne ne andAcaonad nnber The dollar amahd d the susp®ded amor Describe Mesa and explain, t you con, why you beiave, fie s an ens. If yoe need more nbrmaborh, dtaSabe, the tae you are issue abet Ycu do -ark: `:+> pay any wand in quastcn while we areiwesigaft rut you are sill abigase W wy M gals d "x bit Mil are nc! n ?;esion. Whi.- ee Owesfigab ym- dbfwd M anal you grrastron. q esion. we cannot regal you as deiqueria bin any acion to Special Rah for Ge4l Card Prchhses: t you here a problem with to ploy dgoods or servies the yon purchased wilh a aedt and ad you Man brad a goodbil h banned h psablan win to nwehed, you rosy cad Mve Jo prey M renhswg amaM due on h goods or services. You Mee this phobcion agyr when h padhsa pmewas now fen S50 ad M purchase was Wade in yaw horse sale orwfrih 100 mien d yo r mai0 address (r we own o opera, to mordent or two coaled you the advefsanerifa h good or services. all the purchase are eosrad regardless of on emoknt or lomion of M puclose_) Pyurene. Send orgy yar pymwi ad the lop passion of to sksaned nM envelop provided. Donal sand rash By your dark as descrbed above. yw ahlhaiae his b use ido nifim do yar cads b maim and @bckanic and k-mk tom yes acoorn at M b arnciW iarefon rnimbdrnyou eked, ar b process M paysswi s a discs Umnsclon. k M pymera s processed as n dsctahic led bander. M taster will be Oar to amount dh dock "winwa use nfomron ram yardwt b make an elecboho fund heeler, finds may be wthdmwn ern your account as soon as do sarre dry we receive you payawhl and you will not revxna you snack back tan ymr khan®I isiibm Thep!axssmof you peynenl naybs delayed i you send cash, oahapadence, or oMr Aare won ynr Peynei, i yea sand h peprwi b wry other eddies OF t you use an envelope dher Men M she provided. Paymernb nimived in proper Joan of our processing bciiy by 5PM local mean arq * aril be cradled In your Acoart as of der day Parmils wasived d our processing ecifty afar SPM beer time will be waded b your Awoui as d to next dry f you have mhiplaced you amvbpec sad ymr pwpwd b Discover. PO Bole 6103. Card Siaaq IL 60197-6103. Planes allow 7-10 days for delivery If yaw paymag s retaned upaQ ova reserve to sight to rearbasi it as as electronic debt You can pry you miinetm prpwd or a pacer aGoUn aver h kiePhorhe. end you can ad hp sdoneic papnargt Cal to d 1400..T4725M. You wi naed fns abtrrrer -ow You veil Jos asked bProwide you bank amount rnbnnebo . You muel asua rrtaAmid Inds are avefebie n your bank aomuR and al iasecioeaed mrrpywo U.S. bar to*9Sdig4dyou,mudablenre'ZIP Gods. 8y, I i gfusenumbersas youelectronic sgdua,youwill bea9 1gbhisastn®fonbelmtoadyour barb deduct each papned you a0uriietonn yaw bank acorn, and b hide debt or credit enires to your bank account as sppicabiR b caned now in to proeasaa0 d such payment You asst lei us to anal dean poflne , or you con salad an arrnorg such as Warman Pay is i Duo or to Now Balaioa an each s/abaent You can caked a payment hownar we metracahe nice at bast tleee business days in advance of M scheduled peymert You may north us by phone d 1-600347,2683 or by seal all te address [seer in M previous peragaph t Your pysenb may very in anon t we will el you an each roonMgyr alebmra awn your peyoan will be mode and hoe rnoch it will be_ Yaa Aubmdc pyrrwi moo maybe lass fin teirrdrated onto nontk sblewwn based an cradle or paymwn6 apple l during h big cycle. Crsdk Raportlng. Ws may report inbmeboh about yw amour In credit bureaus. Lae parron6, mused paynheds, or otardelans on yaw adbcun may be reloaded in yar Qad copal. We nocmaky capon to stars ad parr ail hsloy of yo rAecoui b wadi aporkg agenoes each mach M you beFara llo om repon s ioacrrde o ihmmplela. please wade us at ft timing addms: Discover, PO Bole 15316. Wkni ngion, DE 198505316. Peewa include you name, address, ham biephone arrba and Acoou i mbar. PEWDIC FIANCE CHAGES. Periods Fienee gongs are ingosed an ad transactions lean M date h baasaillan n poefed In yarAkmri uai the aft you pay your were New Balance, by mat ig papiria or receivig credit. However, we will provide to folowirp'grae perod N yaw paid to Near Balance an your pervious ping dateaedby to Paymwt Due Dale show an font dsbnwt, and you pay the New Balance by the Peynarg Due Dde an fie sfsesned war wi rd wpm Periodic Finance gages an war purchases,"is. purchases; "appeaigm fis sidernart Ofheswise. you will nowA a billing shlemed rail nonb Mont includes Panic Finance Charges on Mime new purhses. There s no grace period an balance bashers or cash atvaes. We son yar basasos ilogroups cipurdhss, csh advances. and balance harder will then krtar sat the Wmcbws wlhs each grog by t eirMnnei Peon iege Raft For exanple purchases sub ed b a parrhoiod cab and porrdrses anbjad b sWhded rah OMM ba ssprale goys We afar b Mss grays as basacion rakgorres As h end of each big period, we ampule Periodic Feints gages far each deyd M big period for each trasamoah edagry We se h Go", - equeion to conpub Pei ter each kansecion ralegny. Ave ege Day Baiahas a mraba ddys in to big period x Daily Par; anie Rat (See on - design sunewy on you swaswi nor am amaris.) Then we add up to Periods Frnnm hags for each tiahsecion malgoy to gel to ball Placers Fries= Claps to yar Amara The avaege Defy Belahre s -sham as zoo fF beiase Of to WM period. no Periodri Frenm Charges applyb fie balance, in a iarsarioih mliyay. - . We uo M Average Day Bdmca (rcbdi g rowtiarsactias) alel hod d calculating h bdrue upon which we wpm Pe?dc Foabe Chagas we map m meheuge Daily Balance Jor each transaction cdegoy by adding up all to d*, g aces a a big ParOd for a basacion CON" and dwting h bad by the nusbet ddeys in to billing gds. olowig b h previaa dayts dry betrhm, trasacias mhedefrd dayt lass dhsged V% mnrr ' M day balance for each kasactim abgay on each dry by wadding to, that day and Per iodic Finance Charges accrued on Mail day k a transaction is pasted to your Account after M dose d the big Pared n mach i axxn. IM wi beat to tramamal as having occurred on M assn dy of M bie0 period in which t is posed to you Account All- Account Weaddedbhstandard prrdresetrased-calegayrwilhherceplohdCashAdahmTraaactiohFee Finance Clageswhichaeaddedto tie aassacfancalagoryandBalrcaTwdarTrasadbnFeeFnarmCharges which areaddedatoappbcableIaelaweliesfersarsaciorheeegoay s`derdpsac?ebasatron When h apecal ale express. we move h ayeid bale ced M balance bersim ad the Belerce Trade Twwdas Fee Finance Charges b to Gals y However, if to special ab has bean terrhirreied unds h Do"Rob Plan. we eeve M u lad belahm dh balance bade and h 8danm Ti user Tnaisebn Fee Fromm Charges n M appicetls ramacim category udi h special nab wand Mme expbed F« TDO (Mecomrnu icsimo Device, far the Deal) assltdrre, call 141MUI-7449. Dmwvermy nnawbr endna reomd telep m cols between you and Dmmvw nprsanbivs for quality assurance papers The Dscover* cad is issued by Discover Bab. Member FDIC OITBK107 Lpays so SC HENS, ??endtrrg in 8170 Account number DISCOVER it Go green. Go paperless. loin the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save aver 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Pooeriess Statements today. A2010 Usca.er Bonk, Member FDIC PPRGRN.0810 ---- -------- --------- - - --------- ---- ------ ---- ------ Closing Date: August 20, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. 8699292 Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENAGE FmAwE FNANCE Baking es Rates RATES RATES OWGPS CHARGES current billing period: 31 days Purchases $0 0.03901% 14.24% V 14.24% s0 s0 Cash Advom03 $0 0.06299% 22.99% F 22.999.' s0 $O previous billing period: 30 days Purchases $0 0.03901% 14.24% V 14.24% $O none The rates that apply to your Account are either fixed (F) or they may vary M as noted above. QUesti0n5? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). Bala 1e Minimum Payment Due Account Number ending in 8170 $43944 $15.00 Enter Amount Encbsed Bokaw DISCOVER New Payment Due Date $ October 19, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. 20 SDSN6A01 0012877 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Address, -mail or telephone change? Print changa m 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.conVpaperiess. PO BOX 71084 11141111111111 aIIII12111111 CHARLOTTE NC 28272-1084 I1III 11III 111IIII 110111111u,111111J1/1Id III 1111„11,1111,11 000001986458512395191004394400075000001500 Discover More Card Account Summary Closing Date: September 20, 2007 page 1 of 2 Account number ending in 8170 Previous Balance $243.38 Payment Due Date October 19 2007 Payments And Credits 75.00 Minimum Payment Due $15.00 Purchases + 265.46 Credit Limit $15,000.00 Cash Advances + 0.00 Credit Available $14,560.00 Balance Transfers + 0.00 Cash Credit Limit $3,800.00 Few Clear?ss __ ____ {5.60 Cash Credit Available !3,800.00 "lsv: Balance _ $434`!-! You may be able to avoid Periodic Finance Charges, see the reverse side for details. COshback Bonus! Opening Cashbock Bonus Balance S 0.61 New Coshback Bonus This Period + 0.66 Cashback Bonus Balance $ 1.27 . Cashbock BorulsS Anniversary Month: June Cashback Bonus(R) is America's # 1 Cash Rewards Programl Full 5% Cashbock Bonus on Get More purchases in popular categories 'throughout the year and up to 1 % Cashbock Bonus on all your other purchases. How Can We Help You? 1 Visit Di5C*V*r.Cem to Pay your bA fer no cost, viewyou r latest Account information, earn and redeem rewarcron more It's your choice - 3 ways to help 2. CIA 1-800-DISCOVER (347-2683) for fast, easy selLaervice i A t M S anager ccoun erv ce options or to speak with a Customer Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sac Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Dab Payrents and Credits Aug 31 Aug 31 PAYMENT THANK YOU $ -75.00 Merchandise/Reby Sep 1 Sep 1 RITE AID MECHANICSBURGPA 6.14 Sep 1 Sep I CIRCUIT CITY SS #3720 MECHANICSBURGPA 39.20 - - - Sep 13 Sep 13 KMART MECHANICSBURGPA 13.48 Restaurants Sep 14 Sep 14 RED LOBSTER MECHANICSBURGPA 117.68 Gasoline Sep 1 Sep 1 SUNOCO MECHANICSBUR PA 15.04 Sep 10 Sep 10 SUNOCO MECHANICSBUR PA 6.24 X60292 Sep 1 Sep 1 W W MECHANICSBURG MECHANICSBURGPA 24.00 Supermarkets Sep 1 Sep 1 KARNS QUALITY FOOD SNO MECHANICSSURGPA 26.48 Sep 8 Sep 8 KARNS (QUALITY FOOD SNO MECHANICSBURGPA 17 15 Impodent Mamatioa. NWere is mom ihrh one page to to big stslanart, see to bad of each page for addiliond iriporbM xdmnnation. See your CamYaeaber Agmemed Your Cardmember agmemnt cordwis ad to' of your Account. Lost ar stolen cards- Report immedseyh Cal IMO-347-2683. Billing Rights Summary. b Caere d Emm a OuesbmAbod Your Bi: N ymu Wxi yow bi s weamg, w d yar road more idrnm ila abort a trahsamonm yar bi, vwie m ona sepeds shed of paper d Discover, PO Box 30421, Sall Lake Coy. Ui 811300421, as noon as passible. We mud how horn you no Wartlau 60 days Ad we sent you to tic bill on wtw h the armor or publesn appeared. You can telephone us, but doing so will not preserve you sights in you trite, give us the ldoaing iudwnMw: You name andAcoart n rnber The dollar amount of the suspected arm Describe to armor and mpfen, d you can. why you babe we these is an wor. N you need more i kirmation, describe the ieo you are issue abort rnf rio art M? tn • 7 gut in quwion while we era wisb9oft but you are sM obligated a pay the parts a1,-m fiat ari ;.x xis qu esbon- Wht^ -e mesiajah ym- yursuor% nor cannot repod you as dekrspwrt or take any adim to called due amass you quasbw Spacial Raft for Credit Cud Purchweea: 9 you have a problem with the q w1ty ago dsor srwes Wd you purchased nth a aedt card and you two trod in good lack b coned the problem wilt Nee nwdun , you may not hove In, pay Nee nn ring antwit dam the goods or services. Ym have this pcterOm sty wham to prdvm pmieewas more than SW and In prdwae was made n you hoe stab or wtih 100 miles of your mailing aadess. (11 we own or operate the merchant, or twe meshed you Be advertisement for the good or services, all ft pudhsse are covered regardless of the arnou t or locatrmn of foe purchase) Paymnsft. Send only you payment and N%a top pmrtim of I* statement n the envelop provided Do not send cash. By sending your check re described above. you amtome us b u sa rtormrEOn an yourdrea b mace and electronic lead bwdw ham your acead at the lrsndd isWulion indicated an yaw dads orb process tw pymert as a cede krsaction. M to psymarM s processed a en elec9axc lend kamfior, the hirer sitbe for the Trout dike check. When m use xdorrnakm ham you clads b make m ele runic kind knisfe. hnfs may be wtldwm from your accoud as scan as the seam day we receive your payment and you wi not receive your chef beck tons your li arvoel isMrAOn. The po g of your payment msybs delayed if you -0_cash, mneg de car pi other ibsns with yo rparrient, i you_sand .the payment to any other address or if you_u use an arwebpe older tun tw am Provided. Psymsms received n proper toms at our paoess•g kapy by 5PM local time, on am day will be ore ded to yaaAmneul as of Mal day- Papne it received al ou processig kriMy eger SPIA local tiros will be created b yo rAmoutas Brie nod day N you have mspboed you owelope. sad you paymerd In D swve, PO I3ma 6103, Card Skeem, It 601976103. Please aloe 7-10 days for delivery N yaw payment is rehrmd upend, we reserve the right to resubmit it as an electronic debit You can pry you mnxnm permit or a grader amount ovartre ftbphme. and you ash sel up arbmatic payments . Cat us at 1 00.3472683. You viA need thissime ent a d you bark account Wriannd on. You marl rsue that aulkciat furs are avalable is yourbadc account and all tramecio s and campy win U.S.law. You nil be asked bpovide t e bat 5 dgts dyou amout staftsrr 'ZIP coda. By rtasig tore ranbes as you dxkmic sipmYae. you wi be erg tang b the afw+mtron b allow is rd your bank b deduct each parmant you a thosaa tom your bank acoont and lo istreta daily oraadtesukies b ymr beri scwuut es nppkabta, b caned error n tea pocesshg d such payment You mad bl us to mown of each payment or you can stet an amoral each n Umm m Payment Due or Wt New Balance an each statement lka an card a payment havew ova must receive no4oa at kraal tree bushes days in advroe d to scheduled payment. You may nobly us by phone at 14IW317-2683 or by m¦I d to address 5" in to previous paragraph. N your pernenb rosy vary in trout we will kill you on each mlmtly statement when yaw payment will be made and how mach t will be. Your Audormtic prymnrt amount may be lea Wen to mclicaled an M mashy statement based at craft at payments applied dreg the biting cycle Credit Reporting. We may report n nnnabon about Vow ac out to credit buea t Lab payments. missed papmwhts, at other defouts on your account may be ntaded in your cadl repot We normally repod *w stair acid parent Ihsbry d your Account to cradt mpoaig agencies each math. N you bef c" that our report is eecwate or isoenpleb. posse wide is d the Wit" address: Discover. PO Box 15316. Wilmington, DE 198505316. Please include ymr name, address. hone tdephorw number andAcsad amber. PERIODIC FMAKE CHAGES Periodic Fria car Charges are imposed m all trrremar hen the dale Ow transaction s posted b your Aaatt will tw dde you pay you entire New Batsnc?e, by making peyma is or teociharg amedts. tforwiet we vd provide Nhe blow ng'grace period N you paid the New Balance on yew prvas big dalrnetby the Pared Due Bob slhoin on tut statement and you pay In Now Balance by to Paper rt Due Dab an tits statement we will not impose Periodic Frhence Charges on new purchases. Ihd s. purchases fist appearing on the sebnrnl OWewna. you ivi receive a bitng dakena t met mordi that and des Periodic Finance Charges an terse new purchases . Thee er no grace period on balance transfers or rah advances. We sal your karseckors i to gio ps d padhases, rah advances, and' I arre ka sirs and ten tuner art to trarhssdiom within each gaup by taiAmrl Percentage Rae. fa exrnpk pudhases sbPd b a pramhotranal rile rd pumlwses subjeci b eta I nab raid be seprata gmmps. We mfw b tree gmups os karsacnn cMegmies At tw and dash bung period. vie eonptre ft Fihr , Charges for each day d to btng pried for each transaction cdogory. We unto following equation boompre Periodic kr each trsrectron edegory Average Daily Balance x rasbr all days is to bitig period x Daly Pebdc Rob. (See the lnarhce charge summary an your s?rnhet lar Were routs) Then we add up the periodic Finanhce Chshgas kr each ke secion raegory b gel to told Pehodc Finance Charges for yo rAocaat. The avero le Daily Balance s shown as zoo (, because of tw grace period. noYao& Fr+diB Charges apply In the lhalaim in a transaction category: -- - We use tr Averege Day Bdroe including new tnarrsdors) castor d ralataftg the baI upon which ae impose Periodic Finance Charges. We mnprb an Average Daly Balance kr each transaction category by adding up all to daily bdroes in a big period for a kasachm cekegory and dividing tw told by the number d drys in the big cycle. We ahmp la to daily balance for each kwasc ion calagmy an each day by fist aMM to khNoaxg b to previous days daffy balance. tramaceom media tenet day fees charged aid dry end Pawdie Fwmm C]heges oomod m tot day Ne krsacbm s pushed b yourArraut ells to dose of tw billing period in which t odors, vie wi beat the trasrflorn as having awned an the W day of the Ming psiod in which it is pasted to your Account- AM Atcaut we added b to slrndard purchase bansadon category w 0h the amore h of Cash Advrhoe Transaction Fee Foere Charges which are added b tw elsYdVame kahsection cabgay and Belroe Tsrr(arTrrnsarim Fee fresamhoe (gwrgps whdh ore added India aippirable balers trersfar tumectm nalegay. When the special rake expires. we rove the unpaid balarre of to balance 1wsbr and to Bdw= TmrJw Trasacion Fee Francs Charges to the, I aled purchase transaction category Hamm. t to seed sale has been ermined under the Deftut Raft Plan, we leave tw unpaid balance of the bdrre fresher and the Befrre Transfer Transaction feeFi in Charges n to applicable transaction cabgay nth tw special sate wand hwee>pied. For TOO (Tabconerroxilcallona Device for the Dal) assistance, call 1400.747-7440. Dscover may mailer ardbr record Weph" malls beMean you and Discover, npese ddives for quaky assurance purposes The Dsc vr• card is issued by Oscawer Brit klerrhber FDIC. OITSK107 DISCOVER It pop to HIGGINS,MARLENE Account number ending in 8170 DISCOVER I Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement R history, complete wish merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. X92010 Disc- Bank, Member FDIC 1'PRCAN.0810 i Cbsing Date: September 20, 2007 page 2 of 2 finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3-90%. Rate is subject to the terms of the offer including expiration. 8699292 Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FRIANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $307.01 0.03901% 14.24% V 14.24% $3.72 $0 Cash Advances s0 0.06299% 22.99% F 22.99% $0 $0 previous billing period: 31 days Purchases $155.38 0.03901 % 14.24% V 14.24% $1.88 none The roles that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call- -800-DISCOVER [,1-800-347.2683}. New Balance Minimum Payment Due 1 Account Number ending in 8170 d l DISCOVER $793.17 $22-00 Be ow Enter Amount Enclose Payment Due Dade $ 1 -1 November 19, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. 20 SDSN6A01 0012878 y ec HIGGINS, MARLENE withpassword- cure information moeese 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 learn more at discover.comlpaperless. PO BOX 71084 Hlnrllnnrlrlllnalrrlrl CHARLOTTE NC 282172-11j084 Address, e-mail or telephone change? Print change in space lulr)I+I(IIJAIr.all)1(111O(111.11 11111 13 1 17 1(rll.a .J11.a(1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191007931700200000002200 Discover More Card Account Summary Closing Dote: October 20, 2007 page 1 of 2 Account number ending in 8170 Previous Balance 1439.44 Payment Due Date November 19, 2007 Payments And Credits 200.00 Minimum Payment Due $22.00 Purchases + 135-69 Credit Limit $15,000.00 Cash Advances + 400.00 Credit Ayoilable $14,206.00 Balance Transfers + 0.00 Cash Credit Limit 800.00 $3 Finance Charges 18.04 :.,a . = m1; .n a?irq , 3,40G.CNi New Balance You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonus! Opening Cashback Bonus Balance $ 1.27 New Coshbock Bonus This Period + 0.33 Cashback Bonus Balance 1 1.60 Cashbock Bonus® Anniversary Month: June Cashbock Bonus(R) is America's #1 Cash Rewards ProgramI Full 5% Cashback Bonne on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? 1 Visit Account formats on ea bane- r deem 1e ds and more s to hel our choice - 3 wa It's 2. Call 1-SOODISCOVER (347-2683) for fast, easy self service p y y options or to speak with a Customer Service Accourt Manager Please have your Discover Card available. 3. Writs us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Oct 8 Oct 8 PAYMENT THANK YOU $ -200.00 Merchandise/Retail Oct 6 Oct 6 TOYS R US 8315 CAMP HILL PA 24.36 Resiauronts Oct 1 Oct 1 RED ROBIN #329 MECHANICSBURGPA 50.00 Oct 5 Oct 5 OUTBACK #3921 MECHANICSBURGPA 33.35 Gasoline Oct 1 Oct 1 SUNOCO MECHANICSBUR PA 12.94 Oct 13 Oct 13 SUNOCO MECHANICSBUR PA 15.04 Cash Advances Oct 16 Oct 16 CASH ADVANCE CHECK #5791 200.00 8699292 Oct 16 Oct 16 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.00 Oct 17 Oct 17 CASH ADVANCE CHECK #5792 200.00 Oct 17 Oct 17 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.00 Wish you could sort these purchases by amount, description or category? You can - reegg??star at Discovercard-corn to view your purchases online as for back as 12 months. leain more at Discovercard-com/pwchases Important information. 9 tare a more two one page In On big statement. we am beds of each page for additional ieporiert ilo rmoi Sea your Cardavemk er Ageament. You Cardrember agreement contains all M terms a(W Account Lest or stolen cards. Report ineadaley! Cat 1400.347-2683. glWrg Righo Suntory. In Can at Ewes or Questions Abed You Bill: I you thin ycr r bill s Wang, or l you need more iabmalm about a transaction on your bi, works us on a sepseb sheer of paper as Dirava, PO Bas 30421. Set Lake Cry UT 841340421. as soon as posable. We mud hear Iran you no Ister am 60 days allow we sent you to Sat bill on which M armor or problem apposed. You can telephone is, bug doing so will not preserve you eights. In your leper. give us M blowing idornmabo r Your name and Ac oua amber The dollar amount of the suspected wear Describe the emmr and explain, l you can. why you beieve there is an area. 9 you need more i ammobon. ebsabe M tam you are uhrrs about. ?L ,X.J y.m=::f eryuaTm rule we are investigating. hod yen we sStibigned to pay On pwts;ff you bill 1W are not in ;uestim. W3e -¢ bmv-lrn s ?-7- _ quKeon, we a vxx ra" you as delinquent or lake any scion No oiled Ira amount you Wasaw Special Rata for Grath Card Pudauac I you have a problem with M quekty dgoods or srviaa tut you putted with a aadit card and you have kid in good b& binned M problem wih a insclaw you may not hava b pay to room i g amount due onthe goods «srvices. You him tors protection only when to purchase pacomm nee tan $W a d M pudase was node ion yor Mtn ebb«withn 100 miles d your mailing address. (t we own or operde to mrdort, or live mailed you M adva some tior to good orservices, at M pacose recoven d ngerdes d the amount «beoiorh d M pudax ) Paymanla. Send only yaw payment ad the lop portion of M statement a the envelop provided. Do nil send rasa By, I g you dock as desabad above. you au twoRS us to use information on your dock In make and electronic had tamer from your account at M truerrdd instiauaore iudcaled an yaw died or to process the payment as ached transaction. If M psymet is; rooesaad wan elections: kid transfer, the trrmfer will be for to amount d to dadr_ When we use idomafon from you env I b nuke an eledron ac lud hrsler, kndc may Ira withdrawn fwnu you account as soon as the some day we receive you peynont. and youvvi not motive yox deck bed from your kennel Iswuhm The pox sung d you payment avybo delayed if you add cash, mncspondenoe a olar -wife yar PwnaK A you saw dra Psymt b.a y d- eddreess a lyou use an envelope cheer fan to one puovnded Pe n ails ascr ived in proper brat at our processing tacky by 5PY bah tae on any day will be credited to your Account as of Ord day. Payments received at out procesarglaolly atr, 5PM beat use wd be cradled b yourAccoad in d toned day t you have misplaced your envelops. said your payment to Docciuar, PO Best 6103, Cod Stara, F 60197-6103. Please allow 7-10 days for d*my- Kyou paym rd is returned anpeid, we reserve the right to marftmit gas an electronic debit. You can pay you mil i o rm psy mhrt or s gmderamavat ova to telephone, and you can ad up suiometie payments. Cat us at 14043472683. You will road ft statement and your brhk amcorut ilonrrefon Yau and a sue OW sulSoed krtds are available in yn fir" award, ad at tarmckmrs cost campy relh U.S. law. You wit be asked b provide M Est 5 digit dyou scooad statement ZIP code. B y etang lose nunbrs as your ebcaoric signature, you will b e g reesg b this rdhavatron b allow us and you bank b deduct each payment you rdom Soon you brit account, and to innate debit or cred4siies to you bat account as appkcaHs. b coned am in the pmrete<gdsuch psymevd You mud let us M rrhaN d each Payment or you an soled an smoud such as kGwmoxn Payment Due a e New 8elrva on each statement You an crhrxa a payment however we must receiveraw at heal tlree bhsiess days Or advanced M scheduled penyment You may notify us by phae at 1-604347 2683or by naafi at M address listed in to previous pragraph R yuJr peyronb may very, n award we will let you on each me" statene t Am your pgword will be made and how.. rdh t of be Your Aclmakc payment anti miry be less ton h indcaaed on the monthly Malignant breed an cradle «Payments applied dunhg the big cycle. Credit Reporting. V% may report ilarweaon about you account b credd bureaus. Lear payouts, m6sed psymaft, or due deb lls on you eeroud may he relbdad NNW credit report We normally report M son and payment habry d yar AccarN to ands mepm*q agerudes each morwtt I you beirwe tW out mpam s imcaratear imhplale, please write us at the following address: Dscarer. PO Bat 15316, Wilmington. DE 196565316. Posse ndude you now, address, home telephone comber and Aocaxt amber. PEFWIX FINANCE CHAGES. Paints: Fahrhca Charges are imposed on all transactions bum to dale to transaction is pasted to you Acea+d udi to dab you pay you sass Now Balance, by noting papnoo or anauaq credits. However, we will provide do blowirg'grsoe period t you paid to New Balance on you proms billing da envd by to Payment Due Due shown an Mt s ateram and you pay the New Balance bye Payment Due Dab onthis stalaned we will net impose Periodic Finance Charges onnew pure asas, tot is. purchases Ina apposing on ft statement Messina. you will receive a billing sbtemet nevi month Are includes Periods Norm Charges on rinse new purchases. Them s ro pace period an' I rnoe Irarsbrs or cash advances. We scat yaw armadas fib gaps of purchases, ash trances, and balance trhsfrs and Con krtwt sat to Msedbors witkn each group by foil Aonud Percentage Rate. For example purchases subjad to a pnasha.. a% ad purposes subjedto store 1 nle w xM be seprab gmugc. Yfe mW b tm a paps as twmcton ategonw AI e end of each big permit. we co Auto Pant Finance Charges bosh day of to b1lirq prod Tar auto Yraammabgay We use M blows g squdnns b compute Periodic low each transaction collages Avmgp DWy BaWm x amber d days o M big pwid x Oily Pbim& Rate. (Sea M Gana dwp mn mory onyou stebwhart Sz these amounts.) Then we add up to Periodic Frhrce Charges breach transaction cabgory to get go bbl Perak Fees Changes for your Account. The average Daly Balance is shown as zero it, became oe grace period, no periods Finance Charges apply to tie belina in a transaction allegory. We hue M Average Daily Balance (awarding new trrmrAas) method of calculating the balance utponwhhich we impose Periodic Finance Cargos. We mnptde tre h rage Daly Balance for each arsadicn aleguy by adding up all ft daily balerces in a biiq toned for a trareschm category and dwilarg to bis by the number of days a the bigcycie. We corthpute to day belrloe for each terse lon orlepy on each day by Gst ad&V M fotowrg b to prawns dsy's daily below tra secbas made tat day, its charged that day and Periode Finance Charges scatted on fail day t a transaction is pasted to your Account filer M dose of tlo big period in whin a occurs, we will neat the aarsactioh as having occurred an to fist day of to bang period a which it in posted to yaw Aemuhl At Arad we added to to stadrd purchase transaction alegay witlh M exI" on d Cash Advrra Transaction Fee Finance Changes wlidh re added to M roe bi wham category end Balace Transfer Transaction Fee FiwhaChrgn who are adult b le appbmbb balaha twslet ramsadm cm&M When the spend rab expies, war mow M uprd balenhoe of e balance, Yrmkr and to Beisee Taruste Trrsedaon Fee Finance Charges to a standard puduese am secim category. However. Of e special no has beam terminated whom to Defrdl Rob Man, we bane 9o upeid balance of the balance traarsie and fe Barra Tra str Tmnsedim Fee Fauna Chrges n to appiable tranc(im cmeWy u to M special nb weld have expied For Tab (Tdsoommrniotlra Dnkafar do Daisy) anlehnce, cal 1204347-7449. Oacawr nay ncrhaor arhdkr ramd ldephone cats between you and Discover npnesengives for queRy osaarce purposes The Discover` card is issued by Discover Brut. Mrnber FDIC- O1TBK701 DISCOVER R Pays HIGGINS, MARLENE CDISCME Account number ending in 8170 Go green. Go paperless. Join the effort to save bees and dean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Staternents today. 4,2010 D:xwer Bank. Member HNC 0V4 a F?"N.081O - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - Cilosing Date: October 20, 2007 page 2 of 2 FM&W Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Per Periodic PERCEWAGE PERCENTAGE FNANCE FNANCE Balances Rates RATES RATES CHARGES CHARGES _ current billing period: 30 days Purchases $431 16 0.03764% 13.74% V 13.74% $4.87 $0 Cash Advances $61.87 0.06299% 22.99% F 39.51% $1 17 $12.00 The rates that apply to your Account are either fixed IF) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1.800-347-2683. DISCOVER New Balance Minimum Payment Due Account Number ending in 8170 $49.35 $15.00 Ender Amount Enclosed Below Payment Due Dab $ 777:71 December 19, 2007 Please make check payable to Discover Card or pay online @ Discovercard.com. 20 SDSN6A01 0012879 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 ;address, -moil or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access- Leam more at discover comlpapedess. PO BOX 71084 111 4 4 6 11 111 aIIIIIIrrrlerIII CHARLOTTE NC 28272-1084 1911111111111111)111 aloof ,fiatJill 1.41111 to I a 1111.1, If 111 111111 000001986458512395191000493500040000001500 Discover More Card Account Summary Closing Dade: November 20, 2007 page 1 of 2 Account number ending in 8170 Payment Due Date December 19, 2007 Minimum Payment Due $15.00 Credit Limit $15,000.00 Credit Available $IA,911.00 Cash Credit limit $3,800.00 r•,sh. 7e iO e... !able $3,800.00 Cashback Bonus! Cashback BorwsS Anniversary- Month: June Cash6ack Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categone throughout the year and up to I% Ck Bonus on all your other purchases. Previous Balance $793.17 Payments And Credits 83117 Purchases + 89.35 Cash Advances + 0-00 Balance Transfers + 0.00 France Charges + 0.00 flew Balance -- .ems^.35 You may be able to avoid Periodic Finance Charges, see fhe reverse side for details. Opening Cashbock Bonus Balance $ 1.60 New Cashbock Bonus This Period + 0.22 Cashback Bonus Balance $ 1.82 How Can We Help You? 1 Visit Discevw.com to pay your bi for no cod. view ks? Account information, eam and redeem =and more It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (3d7-2683) for fast, easy sellLservice options or to speak with a Customer Service Account Manager Please have your Discover Card available- 3. Write us of Discavsr Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Dale Payments and Credits Oct 23 Oct 23 PHONE PAYMENT THANK YOU Nov 19 Nov 19 PAYMENT THANK YOU Traovel/Enlsrla nest Nov10 Nov 10 BLOCKBUSTER VIDEO#d2261 ME-C-HANICSBURGRA Sup wmarfrsts Oct 22 Oct 22 KARNS QUALITY FOOD SNQ MECHANICSBURGPA Nov 6 Nov 6 KARNS QUALITY FOOD SNQ MECHANiCSBURGPA 8699292 $ -793.17 -.40.00 ----12.73 --- - 47.39 29.23 Wish you could sort these purchases by amount, description or category? You can - registerat Discovercard.com to view your purchases online as for back as 12 months- Learn more at Discovercord.con/purchases W*w Wd Yderrma crh. N Mee is Mara rim one pope b is big stalanen , see Me bad Of each page bar addfwne "apo i idomabon. See you CanUeem er Agreen arrt Yam crdnembe agredterd contains al Ioe hems d yow Acaood. Lost or r4olwh cards. Repaf imae6aldyl- Cal 14)0-347-2663. Bldg tilglta Sumrayr in Can or Enos or awAasAboul Yaw Bit N you Mira ynr bill is wrong. or d you road no idanrroefoa about a rarsechon on your bill, vords to an a separate shed of paper at 0ircovet, PO Bus 30421. Sell Lake Cy LIT 84130-0121, as son as; " sW@ NWd hBW bum yea no later rim 60 days dle we sad y the tend bill Ym cant ialephote ms, but doing so will nd preserve yaw ngMs. in you War, give us MebNowtng idoNOaaa on void the armor or problem aDDaamW. • Yam roahe andAmoud rawrobw The dollar anoout of Noe snpeaed error Describe 4fe error and eglen. d you can, why you believe rhde is an enoc M you need more ihbrrmaforh; describe to item you are unwire abont You do nt have to pay sew smo ni in gwsli v ;-!hie we are ireslgeoft but you are still obtgded b pay Me parts,+yamrbi era N" ^ -W" WW- we ineslople ys Waskin We rand report you as deliquena We any anon b doled ft atrrd you quesfon- SpeeiY Rde forCreck Card Pwdwes: l you have a pnabierh vWhthe quality d goods or series Md you pudmed woo aaedl cad end you rove rigid in good LeiM bated to poblean wdh to mendad, y may rd leave, to pay toe mamas ng emard due an Me goods or services. You have t6 pmYCI mdy when to padaase proe was Mae Mrs $50 end Nro pnrduse was mode in yam hanr saute OF Whin 1100 nodes of yanr mailing address. (N we own oroperab to meadent. or d we traded you to adverfisament is In god or services, dl to pore are we oovwad regardlessd Ow amour or loeatan of is purchase.) Pwpw ne. Said only yamr prymad and am top pinion of to smlmerd in to envelop pmovidad. Do rd send cask By sending ymr dud die described above. ym wAoias m to use inneaoon an your duck b web and abciaie bud bander fan yaw woad at Me bwrid nsilnean ordiaMd an yea cad a b process Ow paymerd as a check barosecion. Nte pvyrnrd s ptoeesse . as an ..". ethic bad mrow. Me rwsfe will be for to amod of the chop When we use inar aim loan yardosch to take an elecuum lend twsbr, knds may be ydldaan k an yaw aocoad as soon as to same day we aereive you parnent and ym nor not receive you duck beds fora yr fraodd iatik"M Thepoeessng d your peynbnt maybe delayed of yr send cash. co espaaiaroe a od- hers wth y- payoaeot, d you said the payment b airy odvec address or (you rae an envelope cow than the as pmvded Payments received in pwpn born at me processing kiatiy by 5PM local lime m any day will be aedded to your Account as of Null day Payments received at our proomig badly aier 5PM teal tame wi be credded b yarAccow as of to ned? . uy4? asu endnd lees pay lo Discover. PO Bak 6103. Carol Simian, It 60197-6103. Pam allow 7-10 days for delivery. N you peymend A an aleoYane debit. You can pay par mfimra peymrda a Voider rained ova Ow telephone. and you an sal up adanaia payenergs Callsx d 1-6043171663. You hvi reed 1hx sMle ant ad yaw tank eocaud nbmakoa You mat amore ti sadiurd kndsam available in yaw bank accent. and al tranooeciorna most wngAy with U.S.low. You wi beasked b provide to fist 5(to dy eamud ddeaai M aDde. By ardadng Mole arrhbrs as you efectordc siQakss. you wi beagreeing b Nix adha¢akas b allow as and yaw bank to dodos each payee i you audiew boa you brdk aoooanL and borehole debil a cm& amiss to your bate account a appicai b mrnd>sror o the praoesa;p d suds payment Youmoist Melustoarmwddeach payeet•aycansalad ana ordsuch asWwwrornPaymrdDueor feNear BdanoeoneachddwmentYonancracka paynanL however we mast eodve noboe of had Nees business, days in advanoe of ft sdaddod payment You may no* nos by phone at 14g0.'i474M or by now d to address bed in to pnevias paragraph, t yaw peymais may vary a anowd wewi sell you on each montny drem¦d when you payment wi be made and how much d wi be. Yaw Aabmatc peymerd emoori may be less then to idrabd an the rnori ty stalaomd based an aed6 of payments applied doing the billing vide. Credo Reporting. We may repal ido n ufan abod you award In credit harem. Late paynaMS, massed psynan s, or net ddwlb an your aaaud may be mefeded in yam credt ropot- We rcmaNy rtport to sake sock psymhanl habry d par Acoad b oedR teporkg agencies each mordh. Ny before foal as report is raoarsde or incomplete, please write us at the kloag address Oosoow. PO Boa 15316. Wikrrglan, DE 19850-5316. Please iheude yam coo, address, boom tekmhoone artier andA=mW nrube. PEMW FMANCE CHAGES. Partook Franca Charges are imposed an all barrackons from th doe to rrariion s posted b ymAcaud wild the ddeyou pay your anare New Balance, by making prymerts or waiving cradb- How aver, we wil provide Me Job" 'grace p stock N you paid to Now Belrm on yam penvias big sldenerdby do Paymerol Due Dole shown an Mel solenend• and y pay do New Ba roe by the Payton! Due Drs an to staftmeld we will nod impose Porn I Fnanae Chagos on new purchases. Nat is. prdeses Tilt appee ig an tors sMlemet. Otorwise. you wil remove a belling Aaomend neck momaln rid irddes Periodc France Chagnon tone new pac ases. There s no graceperiod an balance ha sfers or cash advances. i Arnd P Rae We sass yow brsectias ib groups of pwdwaes, cash advances, and balance Mentors and Men Weir 9011 to rreacims wiMih each pw by the ercrdaga For ereMpb padrses A402 b a prornoI Vale and prdoses object to Warded RAD WMM be seprafs groups. We War b two grarpc as ka sacYmtabgaies At le and of each bong period. we compute Pis Fierce Charges brerfo dayd to big pried breach tanacim cdegay. Wa use to kiowrg agnr6oh b mrnpis penoric for each Iianeaabon category AveratrDady Balance x noxid ar d days in to biig period x Daly Pwxdre Ri. (See to Irowhca logs awnary an par rtdenerdbar Nose amours) Then we add up #* Periodic Friona Charges for each rasamon aogary b gel On bad Prude Fiona Chagas for ymrAccaat The average Dane Bloke is shown as zero f because of to grace puiod. no Poklodic France Charges apply b to balance in a lramsecton akgory. We use to Average Dewy Balms (nd+davg near rarreadpa? neNhod of ataddng to balance upon which we impneo Periodic Frans Charges. We compute tx Average Daly Balance for each ransacom categayby addig dip at the daily heaviness in a big period for a raneacion category, acid dividvg ft bW by to amber of days in doe billing vide. We compere tw dewy bdmw br each awsac9m caogay an exh day by.kW aMM dw bNm" b to previous days dady bldrhce,_ ra sadas made rod day, be i caged. eves day and Predc Frame Charges smued an to day. N e lrarxachm is paled b yaVr Accourd ator the dose of I fie biirg period in which R oo rs• wot will bear door transaction, as having awned an to list dry of the big paid in which it a posed No your Account N Acmrt we added b in sisird purchase twsar m cdegony wah No a eplon d Cash Advabe Trwesactan Fee Firo w Charges whchchh we added b the ha sackwh allegory and Bins Tanster Tmsecoon Fee Fi erhCa Charges ud ich are ended b t e appkablebelerm rwslr loarsec . ca"i When, 1M special orb capon, we mere the unpaid balance of Me Mtrce realer and do Behi ce Trarostr Tsasecion Fox FrlMma Gorges b to Sts I pu huse rensectim aragan7r. However. if to speed tab fees been Im on elad under to Wait Rae Plan, we leave the unpaid balance of to balance bander and to Balance Transfer Trwsadon Fee Fiance Charges in to ep1 1 ce61 asnsaeiam cdagmy and to special sera ward have expired. For TOD (Telecararnudcaaorhs Davkefer ft Deny MOWN". CON 14I04347-7449. Discover may manta andfor racco taleplocrer calls bat~ you and Discover kepresroofives for quddy entrance pooposon The Discover' card is issued by Discover Barak, liember FDIC. OITBK107 DISCOVER It pays to HIGGINS, MARLENE Account number ending in 8170 Go green. Go paperless. Join the effort to save trees and dean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up 'or Paperless Statements today. 10 Do- Bank, .14-h r FDIC [16 1 R s PPRGRN.0810 - - - dosing Date: November 20, 2007 page 2 of 2 Finance Charge Summary for offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE Rate is subjed to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCEWAGE FINANCE FINANCE Bolarrces Rat RATES RATES CHARGES CHARM current billing period: 31 days Purchases $0 0.03764% 1374% V 1374% $0 s0 Cash Advances s0 0.06299% 22.99% F 22.99% s0 s0 The rates that apply to your Account are either fixed IF) or they may wry M as noted above- Questions? Manage your account at Discover.com or call 1.800-DISCOYfR 11 -800-347-2683). New Balance MniAccount Number ending in 8170 losed Below DISCOVER $445.70 .Ender Amount Enc Payment Due Date $ January 19, 2008 Please make check payable to Discover Card or pay online @ Discovercard.com. 20 SDSNW1 0012800 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Address, amafl or telephone change? Print charge n 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 discovercomlpeperiess. PO BOX 71084 1118211141 Bill 1111241 1*1111 CHARLOTTE NC 28272-1084 000001986458512395191004457000225000001500 - ----------------- - - --- --------- Discover More Card Account Summary ------- -- - -- Closing Date: December 20, 2007 Page i of 2 Account number ending in 8170 Previous Balance 64935 Payment Due Date January 19. 2008 Payments And Credits 225.00 Minimum Payment Due $15.00 Purchases + 205.83 Credit Limit $15,000.00 Cash Advances + 400.00 Credit Available $14,554.00 Balance Transfers + 0.00 Cash Credit Limit $3,800.00 Finance Charges + 15.52 :x3,400.00 1 Jew Baloo- - $ ,153Ct You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonuse Opening Coshbock Bows Balance $ 1.82 New Cashback Bonus This Period + 0.51 Cashback Bonus Balance $ 2.33 Cashback Bonus® Anniversary Month: June Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cosl,back Bonus on all your other purchases. How Can We Help You? 1 Visit Discover corn to pay your lea for no cost "i°'" your latest Account information, eam and redeem rewords and more It's your choice - 3 ways to help 2. Cog 1-8004)ISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please hove your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDO (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence. T D D ate Paynw ft and Credits Dec 15 Dec 15 PAYMENT THANK YOU $ -225.00 Merchandise/Retei{ Nov 24 Nov 24 TARGET MECHANICSBURGPA 36.12 Gasoline Nov 25 Nov 25 HESS 38285 CAME HILL PA 15.13 Nov 30 Nov 30 SUNOCO MECHANICSBUR PA 10.00 Cash Advances Dec 4 Dec 4 CASH ADVANCE CHECK #5793 200.00 Dec 4 Dec 4 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.00 Dec 1 1 Dec 11 CASH ADVANCE CHECK #5794 200-00 8699292 Dec 11 Dec 11 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.00 Supem,arkets Nov 19 Nov 21 KARNS QUALITY FOOD SNQ MECHANICSBURGPA 39.54 Nov 23 Nov 23 KARNS QUALITY FOOD SNQ MECHANICSBURGPA 14.44 Nov 26 Nov 26 KARNS QUALITY FOOD SNQ MECHANICSBURGPA 68.67 Nov 26 Nov 26 WEGMANS #45 SE 1 MECHANCMURGPA 21.93 ktwn dbm- t tam is mere tai one page to On bang statemi am to bads of each page ter additional important Sionnation See yam Cardreembec Agreement Yw Ca6nernbat agreement contains all to terms of your Ac a Lod or stolen c:i. Report imediawy! Car 1200.347-2663. BMbg Rights &aamry. in Case of Errors a puestiorsAbod You Bit: t you tier yo or 6i a wrong, a it you reed more i liomokan si a trearimn ON par bit, write is an a ..pods shade peps at Diw,wer. PO Bier 30121. Sell Late Cy. UT 84130.0121. as soon as possbia. We must hear from you no lister than 60de s alter we sent you the Ld bill on which M aror or pnhhtern appeared. You can Wephonne us, but doing s0 Will net preserve YOLK rights. In 7w letter. giro Us M foloweg itmretiah: Yom raw entlAacad number The dollar ari of the suspected armor Descrbe to am and explain- it you can. why you believe them a an error. 9yom reed note irthin nakorn• describe the item you we uwwe abort ?v;1!vi° M fv ;• *r-) ema" it rioo_vthie we r i verjoeffig. bid you = sti!,.. reed b pay to peas d yw lei lent era, Fait n uposkm. Whale vra- .. +,voh, h. , , en - - - questitn we cannot report ym as deiquerd or take any action to cored to amount you yuesson. - J SpaW Rate for Credit Card Pumhum: 0 you have a prablen wall the gnsYy, of goods or services Yet yam pure ased %A a c" card and you bare NO in goad lain booed tha problem with the "mount yam any no hate ton pay the remaining onwM it= an to goods or services. You have this protection only, when the purchase price was more Mh $50 and to piscose wear made in yam hoe side or w" 100 miles of yw malehp address. (t we own or operate the meK and or t we malted you the ededfesnardfor the good or services, al the purchase are covered negardess of the amount or location of the padasa-) Paymaa4. Send only your payment ad to top portion d to srelemert in to envelop provided Do not send cash. By serhdng your died as dmsorbad ebo a. you auYrorae to to use idamakan on yam dads to mdca and electronic And transfer tram yw acoinrd at the 6aosal na kcon ideated on your c adt or b process she pal - as a dark transaction. t the payment is processed as an electronic kind testa, M Warder will be for the amount d to dmecit. When we use etamekar Ain your dsdt b reeks, an electronic Aso trarsler, kinds may be withdrawn from yw aooart as soon as the same day we racteve yw paymaA, ad you will riot rewire yus deck bads ham yaw tiwad 111511111111011 Theprocsswngd Your pony heal maybe delsYed d Y- send rash. "respond-or der items with You payment, d You sad the payment b MV otheraddrass a fyou use an envelope char tarn M our pmvda Payments received in proper hum d w promo g (sally by 5PM bW fine on dry ley wit be nailed b y.Aflmant as d /rl day. Payments received alw processing Artily sow 5PM local one will be credited b ywA wta t as o f#* rated dry- t you have misplaced yaw-en envelope. send ? payed to oimrer, PO Bat 6103. Caul Stern, LL 601978103. Please alOw 7-10 days for delivery- Nya+pwpwd is retuned ur" d. we msem M d* b restbn* t as an electroic debil- You can Pay )our nmum payment or a greater anal over M telephone. and you can set up subrm9c paymdtc Cat us d 1800.3472683. Yatwil head the smlmentand your bait a ioDwo e4amatorm. You not anoue tat ardficierd Ands are evaiebk w yw belt smart. arid all bussrkas wad camhply wO U.S. law. You will be silted b prance the first 5 digits of you account sldamat ZIP code. By ending lose nrrbas as W eiaiaic sgrohn, you will be agreeing to to atlraizaAoF so eba us and your bank b deduct each payment yam a1illaRe *m Yaw bwdc aawd and to ipde deli oraedt eMies to yon bank ac=JK as mPPicebls, b mrad aril nYa pmmassng d aKh payment. You must tell in to anent of each payment or you can select an anent such as Itrirraln Paymerd Due or to New Betas an each statement You con usoat a paymherhk however we neat receive naB at least tree business days in adverce of the sdodied paymnot You may mody to by phis d 1800.'i/7-2683 or by mail at the address fisted n M previous paragraph- t yw paymmsnte may, vary ion amaret we will tell you an each monthly statement when your payment will be made and how mamdn a will be. Yw Aubnotc payment anoant maybe less Mm M im&ated ate to nentif stdw*M based on credits a tayieNS applied dams to billing cycle. CredY Reporting. We may report ttamatan about yw account In credit daeaa late permits. missed polmars4. or other dahR& on yw soooud may be relented n yam credit report. We normally report to A" eat peyrnerd he" d your Account b aedt repo" agencies each month. t you believe td w repota wv maae or ihaongieie. phase wrib us elM toAoweg , " : Discover. PO Bm 15316. Witrrgbn. DE 198SOM16. Plewa indrste yw nano, address, home Weplone nnba andAaoud mobet. PERIODIC FRANCE CHAGE5. Parlad: Finance Champs am imposed on all transactions from to date the aasec4m a posted b your Accord until Ye data you pay your entire New Belem, by rnm irg peymarMs a reoeivng OldIR. However. we wit provide to bbwirg 'pece pokid't you )aid to New Belamson yam pervims big statement by the Payrnew Doe Ode shown on Yea store eel and you pay to New Balance by M Payment Duo Doe on to statement we will not impose Parbdc Frahm Chops an new pudases, dial is, purchases first appearing on Yas slelenant. Otherwise, you war receive a billing statement next month that includes Periodic Rionce Maras on Yume now purchases. There is no grace period on balance tasters or cash advances. We sat yw tan8Ltiors ito groups dpurc ases. rash advances. and balance baslo and den kwbw sod the basarbms w*m aadh gaup by tmAm dPercanaga Rate- For example pudaaes YAOU to a l: , 'oral rate and puadoses subject to standard no waid be separate gnai We order Its Mora Voumps as tasaeton osapries At the and of each big period. we omhptib Periodic Finance Charges ter each day of M biting perbdfo each taseabon category. We use to Wits tg O"bon lemnPub Parade for each transaction category Average 0e4 Schnee x number of days a to his period x Daly Perndc Rate. (See the rrnare daga surnmary(il your sh a ord fit toss a"anb.) Thm we add tip the Periodic Fears, Chases for each taseckm category to get to bW Periodic Finance Chases AX your Acco rt The average Deily Balance a shown es Zero t• becat dM gad period. no Periodic Finance Charges apply b the balance a a basidion category. We Leis M Average Daily Balance (icluding now trasar9aa) me" of cWmhdg M balance Wori whin we impose Periodic Fiance Charges, We compae taAvetage Deily Balancefaeadh basaceon category by eddrg tV all the daily belarnms in ¦ birg period for a YaeaC- cdegoy ad dmidng M ltd by to mamba ddays m to bav c"cle. W ,couple the duly betahce ter each Aasstim category on each day by fist adding M lobw.g b M previous days daily belemce, tasx0aa made dal day, tees draped tlet dry and Periods: Fralal Charges accred on ties day Y a transaction is posted to ywAccount ate the, dose of the bins period in which t oars, we will lied tw transaction ashmvigooci edateMfeddaydMbigpaledihwhinlapastedbywAcmnl 21 Aacrit ore added b the salad Purchase, transaction category with to inceptor of Cash Advance Trasacbm Fee I vein Chops which are added to N the roe tassion category amid Balance Trandar Traesion Fee Falama Charges wteeh au: added b M applicable bel9lraf wads' awar - category. Who M spKW rape mp m. we move M wpWbatshce d to bdenc?e bailer and to Baleme Trand r Trar®rAm Fee Finom Chagos to M standemd purchase transaction ratepry. However, d to special rats has been terminated odor the Dead Rah Plan, we heave to wiped below of to balance bander and to Balance Transfer Toasstion Fee Fier Charges in the, applicable transaction category until the special male wild have expied- For TOD (TdecooawricaYans Devitt for the Duq assistance, call 4200.347-740. Discover may noribr andfor rend Wephae Calls betweerh you end Discover represaMfves f7 goals y aeawance purposes The Dwaver' card is sued by Dawvev Bads. Mmnber FDIC. OITBK107 DISCOVER L ttPC"to HIGGINS, iv1AR1ENE Account number ending in 8170 Disrover Go green. Go paperless. Join the effort to save trees and clean up your mailbox- Just sign up For Paperless 5talements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-pnslecled, statement history, complete with merchant names, locations and zip codes- Go to Discovercom/paperless and sign up for Paperless Statements today. 42010 Diu- Bank, Member MIC 011116 s PPRGRN.0810 dosing Date: December 20, 2007 page 2 of 2 Information For You For this holiday season, give a Discover(R) Gift Card and lot them choose something that's just right. Discover Gift Cards we now available at many retail locations. Visit Discovergiftcard.com/shop to find a retail location new you. To purchase your Discov-v Gift Card aline, %4sit Discovergiftcard.cor Do you know your credit score? Discover's new Credit ScoreTracker provides easy to use tools so you can understand your credit rating and help you reach your financial goals. Enrol online and get unlimited access to your Experion credit report and score. Visit Discovercard.com/CreditScoreTracker to enroll. Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%, corresponding ANNUAL PERCENTAGE RATE: 590%. Rate is subject to the terms of the offer including expiration. 8699292 Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ale ces Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.03696% 13.49% V 13.49% $0 $0 Cash Advances $186.19 0.06299% 22.99% F 46.56% $3.52 $12.00 previous billing period: 31 days Purchases $0 0.03764% 13.74% V 13.74% $0 none The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discaverxcwn or call 1-800-DISCOVER (1-800-347-2683). Now Balance Minimum Payment Due Account Number ending in 8170 DISCOVER $618.45 $19.00 Enter Amount Enclosed Below Payment Due Date $ 1 febn.,-y 19, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. 20 SDStJ6A01 0012881 Go paperless and make you accamt HIGGINS, MARLENE infmmationmore secure with password- 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Learn more at discoverconVpaperless. PO BOX 71084 1112 aIIIIIIIIIIIIIIIIIaa1/1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I r1i(11i1rIi(?(Loon!Irl11r,111(Iru11+1n1u11n1u(u1111r)1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191006184500400000001900 Discover More Card Account Summary Closing Date: January 20, 2008 page 1 of 2 Account number ending in 8170 Previous Balance 5445.70 Payment Due Dote February 19, 2008 Payments And Credits 400.00 Minimum Payment Due $19.00 Purchases + 251 43 Credit Limit $15,000.00 Cash Advances + 300.00 Credit Available $14,381.00 Balance Transfers + 0.00 Cash Credit Limit $3,800.00 Finance Charges + 21.32 Cash Credit Available $3,455.00 New Balance = $618.45 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus! Opening Cashback Bonus Balance S 2.33 Now Cashback Bonus This Period + 0.62 Cashback Bonus Balance S 2.95 C.ashbock Bor*zS Anniversary- Month: June Coshback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Coshbock Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashbock Bonus on all your other purchases. How Can We Help You? 1 Visit Discover.com to pay your 68 for no cost view y?wr latest Account information, earn and redeem rewords and more r s your choice - 3 ways help 2. Call 1-800-DISCOVER (347-2683) fa fast, easy self-service M A ccount anager options or to speak with a Customer Service Please have your Discover Card available, 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 13 Jan 13 PAYMENT THANK YOU $ -400.00 Msrchondise/ReroB Jon 13 Jon 13 KMART MECHANICSBURGPA 111.62 Restaurants Jon 4 Jan 4 MEMPHIS BELIES 890 MECHANICHSBURPA 16.89 Jan 12 Jon 12 RED ROBIN #329 MECHANICSBURGPA 32.00 Cash Advances Jan 8 Jon 8 CASH ADVANCE CHECK #0206 300.00 Jan 8 Jan 8 CASH ADVANCE TRANS FEE FINANCE CHARGE 9.00 Dec 20 Dec 21 '1 FOOD #269 CAMP HILL PA 90.92 EiI92 010072 Wish you could sort these purchases by amount, description or category? You can - at Discovercord.com to view your purchases online as far back as 12 months. Loam more at Discovercord.corn punt uses Important Information. I tare is more hen one page to l his billing statement, see the back of each page for additional npWarl inienrabon. See you Cadnwnbar Agreement Your Cakdmmaer agreement contains d h lent dyour Aamut. Lost or sWen cards. Report ern edatelyh Cal 1.WD-M7-2683. Billing Right Summary In Can d Erma a OusstiorsAbcut Your Bd: W you Init yaw bd s wring, or A you need more ttamabonabokt a' oaacionyou bi, watt too a separate sheer of paper a (Discover, PO Box 30421. Self LAW City. UT 841300421, as somas possible. Wassail hear from you no later Ian fiDdays ages sent you the ist big at which the enar or problem appeared. You can telephone us, bur doing so will not preserve you rghe. No your leper, give t the following itormelon You tnne and Accou i number The dollar amount of the suspected error Describe h are and eaplan, d you can. why you believe there is an error it you need more info nsion, describe the item you are unsure about You do rot have to pay any smourt in question wide wre are investigating, but yah are set obligated b pay the pats of you bill hat are rata question. Wive we nvesfgste you questim, we carer I repot you as defnquert or tale any action to collad to sum" you quesem - Special Rat for Credit Cad Purctame r. I you have a problem wo h the quality of goods or services did you purchased with a mndit red and you have hied it good idh b correct h problem with the merchant. you may not have to pay to remaining annum due on the goads or services. You hove this poteoimm only when the purchase price was more than SW ad to purchase was made in you home state or within 110 miles of your mall g address. (I we own OF operate this madman, Of d wre rued you the admrertiserrent kr the good or services, d the puMase are covered regardless of h amount or ncabom of the purchase.) Payaent. Sad only your payment and the by portion of the statement in to envelop provided. Do not send cash. By sending your dick as described above. you sdume t to use nbmaimr on your cad b Peke and decko no lend tasisr limn your account d he tinerwid nstilu im iideceiled on you dock or to process the payment as a dhedk brraadion. I1he prymert s pooessed sa an electronic bud trends. the bander wi be l or the amount of the check. When we use irtmaalmn from your tack to mdse an electronic find basfer. lends may be wiMawn from your amount as soon as He same day we receive your payment ad you will not receive yaw dtedk bed fium you financial institution. Theprooms!ggr your psylnp!f!reY !f Y°!r_.?^'P°r!10E or otror wifh gar paynmerN, t you send h payrrwt b aryfdfher address or tyou use en envelope oho ham the one provided- Payments received in proper form of our prooesapg facility by 5PM local time on any day will be credited to youb Acoout as d ins day. Payments received at our pkohxxsing iec&y aller 5PM iocd tine will be wedded b yo rAwout as d tie next day I you have misplaced you srweloM sad yaw payed to Discover. PO Om 6103. Caul Stream, It 60197-6101 Please allow 7-10 days for delivery- If yaw prymed is returned unpaid, we reserve to right to resbrnt it as an elecaoricdebt You can pay your minimum psymrd or a greater smut over he telephone. end you am ad lip automatic pep wb Cal us at 1-6043472683. You mil reed the d ebmi and you bank aocowt nbmdmx You mud ensue hit sl6oat fads are available n you bat arrant. add transactions must comply with U.S lea! You wit be asked to provide to fist 5 dghs of you amount statement ZIP code. By arcs" terse numbers asyour electronic signature, you wl be agreeing b Iis atlarvatimh b dwr to and your bat to deduct each payment you authorize from your bat accent. ad to imiiat debit or aerie spikes; to your bet account as applicable, to mired am n the processing of such payment Yeu and ter lea the amount of each paprie n. or you can select an amount such ss Minimum Payment Due or to New Blows an each slatertar . You Gam Ganod a payment however we must receive adios of least twee business; days n advance of to scheduled payment You may notify us by phone at IM"7-M or by and d the address listed in to pevww paragraph. N your papartK may vary in amount we will Id you on each mtnWy statement when you payment will be made and her much r wl be- your Ahamnatic payment smut may be less than the indicated on the monthly sidanat based on credits or pryments applied Aun+g to biing cycle- Credit Repad ng. We may report idornabon about your sowing b made bursa We payment. mussed payments, or other delarls on yap account may be kslacte' n yap as& report We normally report to stake; and permed hstmy of your Account b reedit reporting agencies each math. I you believe hit our report s inaccurate or rmnpkee. please write us d the btowi g addrew Discover, PO Box 15316. VVIrraton, DE 198505316. P1mse hide your rare. address. home telephone ember andArmut number PERIODIC FINANCE CHAD S. Periodic Finance Charges we imposed m all transactions ran to doe to transaction is posted to your Amart until the date you pay your entire Now Balance, by nalong payments or receiving credits. However. we veil provide to lolowing'grace period' I you paid Be New Balance on yap pentad billing statement by the Payment Due Dale shown an that statement and you pry On New Balance by h Peyaent Due Dale an to statement we will not impose Periodic Finance Chews an row purchases, hit is. purchases isl appearing an this statement Ohnnse. you wil receive a filling sialement next month tal includes Periodic Firmice Chews an those new pudheses. There is no grace period on tetra transfers or Gash advances. We sat you transactions eta grays of purchases. cash advances. and balance banders and ton rather sal the transactions whin each group by their Arend Parentage Rate. For mauple pudemes subject to a promotional rat and purchases subject to sop 1 rate would be separate groups. We reter to these gaps as t1 1 ac1 dagries. At to and of each big period. we ocrrpde Paiodic Finance Charges for each day of to billing period for each tarearim category We use the blaming eytafon b eompJe Peradc for each transaction category . Average Deity Balance x number at days in the bcing period x Deily Pern6c Rata (See the fiance charge summaryan yaw stemmed ke these anoints) Than we add up to Periodic Finance Charges for each transaction category b gal the bid Periodic Finance Charges for your Amarg The average Ddy Balance is shown as zero if• Fieceuse of to grans period. m Periodic Finance Charges apply to to balance in a hanseeion category We use the Average Ddy Bloke (aritding new trasectias) am" at calculating the balance upon which we impose Periodic Finance Charges. We coaptm the Average Daly Balance for each transaction cdogay by adding up all Ire daily lode ms in a berg period for a trasaction category and diwfrg h laid by the ember of days in the big cycle- We carrpate Ie daily behave forsech bansactrarh ubgory on ends dy by Wedding he fcbmig to to ptmious days daily belace, trarseAors made tae dW eves charged dud day and Perude: Fiance Charges aerated on tat day I a basacbm s pasted to gar Account alter he dose of h big period in which t onus. we will bed the trarsactran as having occurred on the first day of to billing period in which d s posted to your Account Al === o rt are added loh stab I presage trasacbm edegory with the eurafneorh of CashAdva ice Tni sactran Fee Fits Charges which are added to to ?ebaseclion category and BabnoeTra derTmraacem Fee Fr aceC arges whiter ere added to the applicable bloke trasfer traascbm Galegmy When the special rob expose, we move Ire unpaid beheres of to talent bash and On Bloke Trends Transaction Fee France Charges to to start I purchase transaction Galegory Howevet if the specie rags has been herniated under the Delatl Rate Plan, we rave h unpaid balance of the balance banister ad the Bloke Tramsier Transaction Fee Fiherhce grapes n h efpicab a' h aaran category until h special mil would have expired. For TOO (Telecommunications Device for the Deaf) assistance. call i-600.3[/-7449. Diswvar may nhoritor dueler rend telaptere calls between you and Discover representatives for quaMy, assurance purposes The Discover' cod is sated by Dscoev Bat. Member FDIC. O1TWID7 DISCOVER It ?? Mount number er ending E Mount nding is 8170 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant nomes, locations and zip codes. Go to Viscover.com/papedess and sign up for Paperless Statements today. t02010 Discover Bank, AA mbw FDIC E16 1 R a PPRGRN.0810 ------------- - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - ---- - - - - - - - - - - Closing Date- January 20, 2008 page 2 of 2 Finance Charge Summary 8699292 Average Daily Nominal APMWAL ANNUAL Periodic Transaction Fee Doily Periodic PERCENTAGE PERCENTAt3E FNANCE FO ANa Nolonces Rates RAZES RATS CHARGES CFIARGES current billing period: 31 days Purchases $163.04 0.03627% 13.24% V 13.24% $1.83 so Cash Advances 6453.89 0.06299% 22.99% F 47.21 % $8.86 $9.00 previous billing period: 30 days Purchases $146.83 0.03696% 13.49% V 13.49% $1.63 clone The rates that apply to your Account are either fixed (F) or they may vary M as nwNd above. Questions? Manage your account at Discovwxom or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 8170 DISCOVER $1,179.00 $33.00 Enter Amount Enclosed Below Payment Due Date March 19, 2008 Please make check poyobb to Discover Card or pay online 0 Discovwcard.com. 20 SDSN6A01 0012082 H 166INS, MAR LENE Go paperless and make your account information more secure with password- 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Learn more at discovercom/papeAess. PO Box 71084 111 aII111.,r111111rrsIIIIII CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space Ni))n)mIIIIAlilt 1!11,111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191011790000600000003300 Discover More Card Account Summary Closing Date: February 20, 2008 page 1 of 2 Account number ending in 8170 Previous Balance $618.45 Payment Due Date March 19, 2008 Payments And Credits 600.00 Minimum Payment Due $33.00 Purchases + 370.98 Credit limit $15,000.00 Cash Advances + 750.00 CreditAvailoble $13,821.00 Balance Transfers + 0.00 Cash Credit Limit $3,800.00 Finance Charges + 39.57 Cash Credit.Avoiiable $3,032.00 New Balance = $1,179.00 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Ccshback Bonuse Opening Cashbock Bonus Balance $ 2.95 New Cashback Bonus This Period + 0.92 Cashback Bonus-0 Anniversary ;Month: June Cashback Bonus Balance $ 3.87 Cashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to I% Cashback Bonus on all your other purchases. How Can We Help You? 1 Visit Dircavercem to pay your btu for no cost, view yarn latest Account information, earn and redeem rewards and m«a It's your choice - 3 ways to help 2 Call 1-800-DISCOVER (347-2683) for fast, easy sell?service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Data Date Payments and Credits Feb 9 Feb 9 PAYMENT THANK YOU $ -600.00 Merchandise/Retail Jan 26 Jon 26 WAL-MART SC #1886 MECHANICSBURGPA 109.69 - Feb 18 Feb 18 -RITE AID- MECHANICSBURGPA 14.31 - - Feb 18 Feb 18 RITE AID MECHANICSBURGPA 21.40 Restaurants Feb 3 Feb 3 PIZZA HUT #84430115835 MECHANICSBURGPA 25.26 Gasoline Jan 26 Jan 26 SUNOCO MECHANICSBUR PA 25.00 Services Jon 26 Jan 26 W W MECHANICSBURG MECHANICSBURGPA 24.00 8699292 Feb 2 Feb 2 W W MECHANICSBURG MECHANICSBURGPA 34.00 Cash Advances Jan 30 Jan 30 CASH ADVANCE CHECK #5726 500.00 Jan 30 Jan 30 CASH ADVANCE TRANS FEE FINANCE CHARGE 15,00 Feb 11 Feb 11 CASH ADVANCE CHECK #5727 250.00 Feb 1 P Feb 11 CASH ADVANCE TRANS FEE FINANCE CHARGE 7.50 Supermarkets Feb 3 Feb 3 WEIS MARKETS #58 MECHANICSBUR PA 42.18 Feb 17 Feb 17 KARNS QUALITY FOOD SNO MECHANICSSURGPA 75.14 6ap~ bd«malbn. If tee is more tarn one page to his bbg statement. see the beck of each peps IN additional important nfrxulaion- Sea your CarAnember Agrewrwd Yaw Cedmember apeamed enters all to lama of your Acccurd Lost or abbe area. Report innedielely! Cat 100347-2683. M4 R1gMs Suenry. M Case at Emem or OAdonsAbout Yam Bit t you tink yourbill s slat, or d you reed more nlamabon about a transerkm on ynr bll, wore us on a separate sham d pew at Discover. PO Box 30421. Sall Lake City. UT 8413"0. as sour as yxossbb. We mull hew from you no later than 60 days MW we sent you to W bill on which tie am or problem appeared. You can lelephwhe us. but damp so will not Pew" your righL9. In you letter, give us this lal"M irbnnelon: Your name and Account number The dour amorN of the suspected em or Describe the era and eTW. f you can, vrhy you believe tare is an era. If you need more irdamabun: describe to Kern you are unsure about vdde we are irwedgiiing. bud your m still dhfigefed to pay the pans of vow bill 2*9 are not m question. While, we investigate y`-a you $ nci hive to prry any arrae4imquesbon question. We arwtrepat you as defrquei Of take wry 8cban b ootec Ma amount you question- Special Rate 4or Gee! Card Purchases: t you how a problem wth to qms* d goods or services that you purchased wh a cradt card and you have tried in pond fah b Cored to problem wh to madwK you may not have b pay to mat rug amour due on the goods or services. You have dins protection only when to purchase Pica was more tan $50 end the purchase was made in your Mme stab or within 100 miles of your mating address. (t vhe own a operate the merchant or it we noted you the edrerbsarwd for the good or services, all ft pucase are covered regrdess of to amount or bcelon d to purchase.) Paymwry- Std only your payment end to by potion of to statement in do envelop provided. Do not amid ash By whoring your check as described above. you authorize as b rose Wmnmionon your dw* b nuke and e'- -- t i fad trawler from you accent at to tiherhael islklion indcetedon your dock or to process the payment as a dock thansac bm. t tte payment is pnocessad as an atecko ie kind VwWw, the VwWw wA be for the amount of Be check Wfeh we use inbmhetion from you dwt to make an eleekarnic kind truster, kinds may be witlldawh from you amount as soon as the same day we receive your payment and you win not receive you cork bad flan your fun irstikrkon. 7hemotess hp d your payment maybe delayed it you send cash, conespondar- or other -eras with your payment 4 you send the payment to any other address or f you mew! envelope other tan the one provided Paymenlis reaaard in proper form of our processnp boxy by SPM Coal inn an any day will be credited to your Account as or that ply. Payments nmad at our prcoss in g leciffy alter SPM local tine wA be credited to your Awash as of to next day. t you have misplaced you envelope, send your peymerv to Dsoovw, PO Om 6103. Cad Stream. 1160197-6103. Plew allow 7-10 days lox dui ery. If your payrnwt is returned unpaid. we reserve to right to resubmit it as an electronic debit You an pay your mmwun payment or a grader a oui over the telephone. and you an sot up automatic pernents. Cat us al 14003472663 You wA need this statement and you brit aooart idwnukm. You rust esure tlha sxdficiea kinds we available it your nett aomurt. ad all transactions asst comply wick U S. law_ You WA be ashed b provide to last 5 dgits dyou amount ddwnwd2F code. By enlimi those numbers as you eledronrc agrahre, you willbe aVe" loft adw®kah to Blow us ad yo r bank to deduq each payment you atle¢e ban you bet amour, and to inmate debit a a" titles layout bank account. as applicable. b cared error n to processing d such payment You red lot us the amount al each payment. or you can sled an amount such as K%w mxn Payment Due or the New Balance on each stalenwnl You an anal s payment, however we nest naive notice at least tree business days in advents d the scheduled payment You rosy notify us by phone a11800347-2683 a by nnf alto address Ided in to previous pragrepI t yourpsynekls say vary in eawnl we wA lot you m each monthly statement when your paymentwA be made and how much it will be. You Aulwrekc payment grout may be less than fro rdraled on the mwAny steered based on aedts at payme+ls applied dnrg the bit cycle. Credit Repodk% Wiz may report ikirmal ah abaul your acaunt to aadit bureaus. Lee peyrwds. missed pe awes. or otter debudb on you account may be, e8eded in your credit report. We normally report to steam and papnern to" of you Account to aedt wpm" agencies each mach. t you believe that our report is inaccurate or i compleb. plessente us at to folbwrg ad yeas: Discover, PO Box 15316, Vfimngbn, DE 196505316. Pleasa include you name, address, home lebphwo aatbw and Amour A number. PERKM FWANCE CMGE3. Pwm& Fiwha Changes are npwM or all barsackona loam to date the transaction is posted to your Account urd the date you pay you woe M-8 I . anc?eby making paynsrns or mosivirg aedte. Howevw. we nil provide V e liotowrg'grsoe period It you paid the New Balance on you pervious big slalensrd by the Payment Due Daft shown on td shtaswt, and you pay iha New Balance by Arc Payment Due Dais on his statement we will not impose Periodic Finance Charges on new purchases. that is, purchases; first appown on troller stalene t Otorwise. you ail receive a b&V statement next month that includes Periodic Finance Charges on those new purchases. There is no grew period an balance banisters, or cash advances. We sat your transactions ins groups dpurdeses, ash ahksnoes, and beI menders and tan futtw surf to raaxtiom w*m each group by Ow Annual Pe entage Rate. For exagne purchases subjed b a prmmokaul ale and pudhses s *pd to standard fete wand be separate gnitips. We raw to these groups as transaction roftgaias. Alto and of each big period. we wmprt PrlOdhc Firm Chimes b each day of lbe big period for each trasarbm afegory. We use to fatOWrIQ equ eb b compute Periodic for each Va sadon category Avemp Defy Belrkw x amber d days in tw big period x Daily Periodic Rate. (See the firhsrnoe doge surrey an your slalsment for tole anorinls.) Then we add up the Periodic Fiance Charges for each transaction alegory to get to bat Panddc Fiance Chages nor your ACoard. The avenge Daily Balance is eheian as Coo it, because of ft Wade period. iroPeiiodii Fiance C hrges apply to the balance in a ransaciich category. We use tar Average Daily Balance (smidM new lira saAOns) matrOd of calatsUrg the balance upon deh we nlpwe Periodic Fnaraw Charges. We co pllb to Average Daily Balance for each transaction clegory by sift up all to daffy balances in a big period for a bensection aslegory and dwAV the blot by the amber of days in the big cyda. Wh oanpde the day balance, for each turueeman alspay on each day by fast addrig the folowg to the previous days defy balance, transactions; made that day, tam I gel I that day and Paiokfie Fawns Charges accrued an tot day t a aasetien s posted to yo rAamunt ate the dose at thebfn0 period in m4ich it occurs, we will treat the transaction as hwAV occurred on the lid day a t#* big period in which It s posted b yourAcaount All Accord ere added to tw standard purchase rwaactim celegrry with to exceptron of Cash Advance Trrssacim Fee Fnrhw Chaps which are added to the bmucbon calagony and BalanceTr a sbr Tkaseclm Pee Frwrce Charges wfidh ore added b the applic" balance frank r ran ssadm ca" M When to special rate expires, we more to aped'taloned the bdwce rwWw and the 8abnce Transfer Transaction Fee France Ganges to the slwdrd purchase transaction ategory. However, if to special orb has been terminated ceder to Defy It Rae Plan, we leave the ep W helance of the bdence transfer and the Balance Trwhsie rraaachon Fee Fxamw Charges in tit appbwMa Imsectim abgay until tha special raft wand have exDied. For TDD (Tebanmudntleu Device for the Oea4 w+islahw, hat i4MW347-7449. Diswm may monitor a dlor record le wo ale between you and De cover representatives for quality assurance purposes The Dseanev and s sued by Dwmw Bat, Member FDIC. OITBK107 DISCOVER Go green. Go paperless. F it pot's to HIGGINS, MARLENE Account number ending in 8170 Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 minion pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover corn/paperless and sign up for Paperless Statements today. 02010 U.- B-h, M-6- FDIC O? a ?•StGNN.0810 - - - - - - - - - - - Closing Dab: February 20, 2008 page 2 of 2 FROM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE F ANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $364.27 0.03285% 11.99% V 11.99% $3.71 $0 Cash Advances $684.17 0.06299% 22.99% F 57.37% $13.36 $22.50 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. QUeSHOr1S? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-3A7-2683) . New Balance Minimum Payment Due Account Number ending in 8170 DISCOVER $993.61 1$25.00 Ender Amount Enclosed Below Payment Due Date April 19, 2008 Please make check payable to Discover Card or pay online @ Discovercard.com. 20 SDSN6A010012883 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 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 corrslpapertess. PO BOX 71084 1111111111 a to CHARLOTTE NC 28272-1084 11.11111111111111MI..1,1,111111.0111 1..1„11,J..1..1 i„11 000001986458512395191009936100500000002500 Discover More Card Account Summary Closing Date: March 20, 2008 page 1 of 2 Account number ending in 8170 Paymerd Due Date April 19, 2008 Minimum Payment Due $25.00 'Credit Limit $15,000.00 Credit Available 514,006.00 Cash Credit Limit $7,500.00 Cash Credit Available $6,600.00 Previous Balance $1,179.00 Payments And Credits 1,250.00 Purchases + 127.80 Cash Advances + 900.00 Balance Transfers + 0.00 Finance Charges 36.81 + New Balance _ = 3993.61 You may 6e oble to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cash6ock $om>awl3t Anniversary- Month: June Cas66ock Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on purchases in popular categories throughout the year and up to 1 % Cash6ack Bonus on all your other purchases. Opening Cashback Bonus Balance $ 3.87 New Cash6ack Bonus This Period + 0.30 Cashback Bonus Balance $ 4.17 How Can We Help You? I Visit Discover com to pay your 60 for no cod, view year latest Account information, earn and redeem rewords 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 spook 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 Dab Payments and Credits Feb 26 Feb 26 PAYMENT THANK YOU $ -750.00 Mar 9 Mar 9 PAYMENT THANK YOU -500.00 Mwd,andise/lteta0- - Mar 15 Mar 15 WA4MART SC #1886 MECHANICSBURGPA - 78.80 Gaso1-ne Feb 20 Feb 21 SUNOCO MECHANICSBUR PA 25.00 Services Feb 23 Feb 23 W W MECHANICSBURG MECHANICSBURGPA 24.00 Cash Advances Mar 4 Mar 4 CASH ADVANCE CHECK #5728 400.00 Mar 4 Mar 4 CASH ADVANCE TRANS FEE FINANCE CHARGE 12.00 8699292 Mar 4 Mar 4 CASH ADVANCE CHECK #5729 500.00 Mar 4 Mar 4 CASH ADVANCE TRANS FEE FINANCE CHARGE 15.00 Ynponwd htrmelbn. fl done is mare than one pope to the big statement, see the bed of each page for addihond nyortad itontaion See yawGadnumbarAgreement. Your Crdmemberagreement anrntssAlto Im- dyourAreougnt. Lod at stolen cards. Rtgon imredrely! Cal 1.800317-2683. Bllbrg Right Sramry. h Casa of Enos r OasatansAboul You 9i: Byou thirt your bill is wrong or it Tau need more nbrmeYm about a MrserSrn an your bi. wife is one separate sled of paper at Oiscwa, PO Bat 30421. Sall Lake City, UT 841300121. s soon es; N male. We asst hear ism ym m Wen don 60 days ahw we sad you the bM hod on which the am at problem appeared. You can telephone us. but doing so will rid preserve your rights. in your letter, gee rs the Wowing information: Your name and Avxout number - The dollar amount d the strspeded enar Describe gee air and explain, if you can, why you believe them a an ale I you need mare rdmneim describe the item you are unsu s abort _ You do not have b pay any amount in question while we am iwesigeirq. but yw as s01 dbfgebd to pay the pets of your bill to tee not in question. Wells we rivesegale your coded the amxrd you quefm. gvveaton, we rJabt report you a deiquard or take any afar In SpseW Rift for Cradll Cud Pwde : d you hive o pmblsawib the geky dgoods at services that you purchased with acredirsd lid you tare Vied in goodism boomed the? problem with to m ardiet, you may rot have b pay the rarn/iig amtlant due on the goods a services. You have Ors pdecbon only whenthe p adase pri airs mere gam $50 and to purchase was made in your home stab or within 100 miles of your mailing address. (If we own a operate to mars and. or A we naiad you live advertisement for Via good err services. alto purchase wecwaad regardless d the armed orlocafon d fns purdase.) Payments. Sid only your payment and the by parfas d the surer and in the amelop provided Do rot send caW By sanding your shark as described above. you sulhe 18 us btaeantrrsiernon your check bmake and I - ietadirwisisloomyour amount at the financial ie04bmndiatedayour died rbpxeasthepayment asadads t I ..I .8 the payment is pmoesaed as an ehecaasc fud iaake to balder will be for the amount of the died(. Whs we use inkramsm from your deck b make an ebdonc dud traveler, tends maybe wlhdrm team you armurd as soon as the same day we receive yar peyrrhenl and you vA not receive you deck bade train your isruael institution ThePCOpes1!9dYa!tm!'LmMtSMb!S !I1F!r_serdaasln.mnesyondeuio9aorlrerAarrswAr1P- P_ri'n!a-ntyou-tan!thepaprnerebayttwladdre?sa#y_ useen envelope odRf thorn the one provided. Payments received m proper Acres at our processing bcilyby 5PM local time m any day wi be credited b yourAowunt mat dud day: Peynents received dour proaesig taffy Aw 5PM bed ice wi bar aa3lad byorAmasd ail d the react day d you hose misplaced your envelope. sand your payrnaat b Oscovr, PO Box 6103. Cad Skanh, L 60197.6163- Please allow 7-10 days for delivery. Byou payment is reigned vgaid, we reserve der sight to rssbmnt it as an sladonicc debit You an pay you Morris" payment or a greater amount am the akphone, end you can set up automatic payrrmY . Cal us at 1-80x3472683. You will reed Ita stalemerd and yor bet amout idamakas You and ensure drat shdichrt funds we available is your bait Bawd, and d iraados must comply with U.S. law. You nvi be anted to provide to first 5 digits of you amount sldenlad ZIP rode. By anionng two numbers as pin electronic sgndue. you will be agreeing b In antlhc&sbon to cow us and your bade to deduct each payment you ardraae lnxa yaw be* account, and b i - debit or credit rnlries In your bit award, as appfabde, In co a. morn theproorasg of such payment You mat del s the amount d each pepnau( or you can sled an mount such as thriven Papers Due or the New Balance on each statement. You an areal a payment, however we NO receive rain d teat items busihsc dye in a verm d live scheduled payment. You may natty us by phone at 1800-30-7583 at by met at In addles Wad in to previous; paragraph d your payments may vary is amount we will tell you on each mOtty atebraent when your pay nerd will be made ad how rauh it will be YmArdmah payment avant may be Was can the indicated on der manddy stabnad based on credits or payments appfisddugg to billing cycle. Craft Reporting. We may report idorndion abed yxr aomud b redtbunus Late payments, missed payments. or oaths deda ttc on you smount maybe reflected in your ve the our upon a rrcarate r inwrrnpkla, craft report. We normally report to stater and payment history at you Account b aadt reporting agencies each monk "' R, pleas veils s at On blowing adders: Discover, PO Bar 15716, Withigbn, DE 191150-5316. Please include your name. address. hone telephone number end Acco nt number. PEWOIC FWANCE CHAGES. Perio3c Frwha Charges as imposed on all transactions from to date the tea sectim is pasted b your Aoooud until the dale you pay ywx onas Now Maim, by making payments or receiving craft;. tbwaver we will provide the Wtlowwq'grace period" d you pod live New Bdaoe on your pervious billing d#rruerd by Ow Payment Die Dale shown on tat skilwnsK and Tau pay on New Bala ce by der Payment Due Dale an the stMIm- we wi not m. Periodic Fiance Charges on new purche s, that o. pureness fsl apparig on cis atabment Odarwise. you arilreceive a biig ataremerd nemd marts dot i cksim Pelf Ofd France Charges on those new purchases. Them is no gran period onbalahCE iransfrs or cash advances. We she your balande re into gaups of purchases. cob aManas. and bdarce tarsiers and can fratar sot the bansectias widin each group by OwAmral Percentage Rate For enmple p rchmes uipci b a promoimal raft ad pudhsses sublet to standard rate would be separate groups. We ader b two groups as irarsecicnh ategais. At the end daeh bldg period, we map* Pei Fnar1a Gwgs for each day at der bung period tar each trrmad a aleM Via tee ft following egsion to mats" PefbdF foreach tarmatoncalegayAverage D*Balance xnumber ddays nlnabilling period xDaily, PenoftRob (See derfsarncecharge summary an your statement frthese amounts) Then we add up Bar Periodic Firm Charges ter each lramsedao alegay b gat der tow Paadc France Clangers lr yams Acmnnl The average Dady Blobs is shown as zoo it. because of to grebe period. no Periodic Frimc6 fJwgs apply In the balance is a traseckah category We use the Average Daily Bertha (ndufng now trausdaa) method of alaisig the balance upon which we impose Periodic Frlaha Charges. We mnpule der Average Deily Bdarra b each bansadon calagay by adds g up al der defy balsrnoes n a big period trace baeabon alegay and dividing the loof by the number d days in der big cyde. We damp le to daily balance for each ttereactron cabgay oneachdy by ist aiding der fodouag b der previous days daily balance, teraacfaa made did day, fees c her Bret day arc Prods Rance Charges soohed on cat day 0 a taar on is posted In your Accent after to dose of the telling period in which it amgs, we will tar the bahsadm as having occurred an the fast day of the big period in which d is posted to yaw Account, ?dr? Amount added b to Stallard p rc has tauartion alegory with to exception of Cash Advance Transaction Fee Finance Charges win are added to de n7rirnx Imen ction alegay and Balance Trrakn Tvrmadon Fee Finance 0serge5 which are added to the appfrade balancetransfer tensacim cabpy When der VWW fete aspics. we clove the unpaid Delrnoe of to - I, a baefe and the Bdarrs Traefa Trrisecion Fee Finance Charges to der sWdad pumdeem barorSon rabgay. tloraser, d the apacieleels ha been lamialed sdar 110 0610.4 Rob PWn, we leave der upeid balance of the blobs bander widow Balance Tramfer TnMSKi n Fee Rana Charge in Ace appicebb bansa . abgay until to WKW nets would have MKOd. For TOO (Tdeamaadcatlsa Device for the 004 asdshmoa. W 1-11M347-740. Discovermsy mmpor rattan rawrd kkphva nth balsam you and Drava representatives for quality assurance purposes The Discover-cad is sued by Discover Be*, Manber FDIC. O1TBK107 DISCOVER It P°r to Hr--GINS, MARLENE Account number ending in 8170 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Poperless Statements and you con help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protecled, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/popedess and sign up Far Paperless Statements today. e02010 Di-- Bank, Member FDIC E i4l:] *4 a PPRGRN.0810 -------- -- - - ------- ---- dosing Dale: March 20, 2008 page 2 of 2 Finance Charge Summary ceive a 1.90% APR on all single 8?I purchases of $200 or greater made through 04/30/08. Daily Periodic Rate: Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Da r odic PERCENTAGE PERCENTAGE FKANCE f l/1tdCE Rates _ CRAM current billing period: 29 days Purchases $O 0.03285% 11.99% V 11.99% $O $0 Cash Advances $537.03 0.06299% 22.99% F 49.08% $9.81 $27.00 The rates that apply to your Account are eider fixed F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 8170 DISCOVER S-9.27 $0.00 Enter Amount Enclosed Below -? Payment Due Dab $ 1 May 19, 2008 Your account has a credit balance. No payment is due. 20 SDSN6A01 0012884 Go paperless and make your account HIGGINS, MARLENE information moresecure with password- 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Learn more at discovercornipaperless. PO BOX 71084 Illnntlnunlrlllnrlnlr CHARLOTTE NC 28272-1684 Address, email or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191000000000478000000000 ---- -- --------------- -- Discover More Card Account Summary Closing Date: April 20, 2008 page 1 of 2 Account number ending in 8170 Previous Balance $993.61 Payment Due Date May 19, 2008 Payments And Credits 1,282-81 Minimum Payment Due $0-00 Purchases + 279.93 Credit Limit $15,000.00 Cash Advances + 0-00 Credit Available $14,981.00 Balance Transfers + 0.00 Cash Credit Limit $7,500.00 Finance Charges + 0-00 Cash Cram:, A.-iLzbla $7,500.00 New Balance = t-917 Your account has a credit balance. No payment is due. Cashback Bonuse Cashbock Bonus® Since Anniversary Month June: $5.56 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbock Bonus(R). Opening Cashbock Bonus Balance S 4.17 New Cashback Bonus This Period + 1.39 Cashback Bonus Balance S 5.56 How Can We Help You? a 1 Visit Discover com to pay your bill! for no cost view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coll 1-800-DISCOVER (347-2683( for Fast, easy self-service options or to speak with a Customer Service Accoun t Manager Please have your Discover Cord 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 U. your Discover Card with confidence. Trans. Post Date Date Payments enJ Credits Apr 5 Apr 5 PAYMENT THANK YOU $ -300.00 Apr 7 Apr 7 PAYMENT THANK YOU -504.81 Apr 7 Apr 7 PAYMENT THANK YOU -478.00 Merchandise/Retail Apr 8 Apr 8 DOLRTREE 1700017160868 MECHANICSBURGPA 6.77 Apr -12 Apr 12- - iNIS"NE *0345 CAMP HILL PA - - --- _ - . - - - 69-98 Rezlohnrarhfs Apr 11 Apr 1 1 APPLEBEE S MECO7201007 MECHANICSBURGPA 35.18 Gasoline Mar 26 Mar 26 SUNOCO MECHANICSBURGPA 20.01 Apr 9 Apr 9 SUNOCO MECHANK:SBUR PA 20.03 &Ammorkwh Mar 23 Mar 23 WEGMANS #45 SE 1 MECHANICSBURGPA 10.86 699292 Mar 27 Mar 27 WEGMANS #45 SE 1 MECHANICSBURGPA 55.10 Apr 8 Apr 8 KARNS QUALITY FOOD SNO MECHANICSBURGPA 20.61 Apr 9 Apr 9 WEGMANS #45 SE 1 MECHANICSBURGPA 20.13 Apr 13 Apr 13 WEGMANS #45 SE 1 MECHANICSBURGPA 2126 Important Worm rtion. H there is more Haan one page b On bifig statement, see the beds of each pope for ad tunnel important stionnebw See your Cardmember AyrewmenR Your Cardnember agreement contra s alto tams dyourAocamt Lost or smWh cards. Report i medieky! Call 1-8"7-2663. Ring RVft Summery. In Casa d Frmas or pussfonsAbout Your Bt If you tatk yew bil seeing. or if you read more A do naiom about s tramadah onyourbi write u s on a separate sheeld paper at Discover. PO Bet 30421, SaR lda City[ UT 8413041421. as soon as possible_ Was must Iheer from you no War then 60 drys atter we sent yon to fiat b3- on which the army or problem appeared. You can bkowfe us. but doing sod not peserm your rights. to your letter, One to the lolowng itamsion: Your name endAccad number The dolar amount of On suspected area Describe fie e or and explain, t you can. why you below there s an era H you need more itwmaiom, describe the item you are ursue about You do,;::- e t? r'°k- any amont in gnsim wfale we are iwsaigadip, bid you a s stil obfgebd b pay the pert rt your bill that the not in question. While vs iamesagef° 7 _ question, ova cannot report you as delinquent or take any action to poled to emort you queston. Special Rate for Credit Card Purehasec t you hew a pemblrn vO the quality of goods or savias Oat you purchased wtth a as& and and you h" lied a goof bfh boomed the problem wheh Oro meecfiet, yam may not haw b pay to mm it*q arum due m Hegasds a arvtaa. You hew has peeaecionh only when the purchase price was more tom $50 and the purchase was made n ymr fine state or wAin 100 miss dyer nailing addmw (t we own or operate the meeard. or t we mailed you the advertisement for the good or smites, al the pudese we tweed regardless of the anouwi or foaioeh of to p sch®e ) Paymeab. Send only your payment and to top portion of to statement in the amelop provided. Do not sad awn By sanding your cede as described above. you adhwan us to use ihormabon on your dodo b make and electronic tad kader from your amount at In frrhah . insilntion indicted on your death or In process the payment as a check wanuedion. tee payment is processed asap electronic fund Mnsfer, to tra siad be for the arhout dlhe ehecu. Whon we use idorn ston from ysrdm* to cods an eledminic ind tarsier. Kinds may be wit drawn from your accost a soon as the same day we receive your paymet. and you d not receive your check bade tan your fnaxial istihticm. The procassi!gd your payment maybe delayed if you sad ash, correspond- or star am dh your payment t you sad the payment b ay other address or t you use an erwelope other than to are povided. Payments received in proper lam at am processing facility by 5PM bail time w any day will be credited to your Amount ail d that day. Payments eeownd at our processing facAly al err 5PM kcal timed be credited So yo wAccoar as of to neat day H you hewe misplaced your enalpe. send your pepeont to Discover, PO Bon 6103. Cart Steam, IL 60197-6103- Pam slow 7-10 days for defrery. 9your payment is reined upeid, we reserve the eight to resubmit it as an electronic debit You an pay gar m m nova payment of a gsMa shout ova the telpI . and you can ad up automatic payments Cal rs at 14100.3472663. You w3- freed this slaleeterttmd your bark account' 1 6 rmaon. YOU mud ensure dw addart lends are available in yaw haft account. and at isurrlio s mwd core* with U.S. lr. You d be asisd bpmWe the fiat 5 digit d you torment statemer ZIPcode. By rim" those ambers as your eI ' i sigsbwe, you wit be agreeing to Nis Whomaion to slow head yam bsk to deduct each mq you aW kem yam bat awmaK teat b itytiele debit a aodt atmiss b yaw bank sraurtl as appkrabb. b -teed error in to processing of such payment. You must loll us to amour of aerate payment. a you can select an anal such as hiwsan Payment Due or the New Betahce on each stntetmhent You can In Payment, however we mast sceive notice at least there business drys in advsaeof On sdwdded payment You may nc * to by phone at 1.800347-268.7 or by rest at the address Wed in to previous paragraph. t your payments may vary is amut wed o1 you an each mtortiy stdaromt when your payment w3- be made and how much it will be. Yar Adomebe payment amount mry be less ton to indicated on to monibly statement based on aeils or payments applied A" the birg cycle Credit Reporting. We may report 0 dormeits about your account to credit burin Late payments, missed payment. or other dela is on your account maybe reflected in your credit report. we romalyr repot to stets and paged we" of yaw Account to aeditt reporting agencies each mark H you believe Hal ou repot s necarae a iconKtete, please writ us at is folu" address: Owwar, PO Box 153%. Yy9eglon, DE 196505316. Please include your tame, address, hone telephone mdse and Account nrnber. PERIODIC FRAHM CRAGES. Periodic Finance Charges are impulsed on al transactions ken tlsdso the wssecim is posted to your Account will the dare you pay your woe New Balance. by Making payments or tecesang credits. Howewr, wed provide arse blowiq'grecs Per oat' H You pod to New Belaoe on Yam peniors btbg statement by the Peymart Due Date slhowv on eat do Wert, and you pay to Ninv Balance by to Payment Due Dab on this statement we d not impose Periodic Fwwre Charges on new purchases, Heal s, purchases fist appearing all this statement Otherwise. you d re®ive a billing statement roes mach than includes Periodic Fi ant Charges on Hhose mew purchases_ Thee a no grace period on balance bBafes or ash adwrwes. We sod your transactions oft gaps olpuduses, cash edwroes. and balance bombs andlisn katar and go transaction wihn each gaup by MwAmual Percentage Rate. For examplepurchases subjedto apnrsoiadraft adpurchases sbledbataderdorbwould besepaMegmaps WerelerbMesagroups askwmcanaI gwias.Atto and of each b" period, we onmpde Pe+iodie Faris Charges lot each fry of One bang period br each transaction category. We tae to btowig equation to compule Periodic for each transaction ategwy. Average Daly A I x number of dsys in the big period s Day Periodic Rase. )See be (inane' doge summary on your statement for toss amen f&) Then we amt up the Periodic Fnahee Charges tw each basection aiegory to get fie Wail Periodic Finance Charges lw your Amount The average Dry Balance is shown as zero r betattse-d re gmeepaiod, no PNO& Fesrre Gorges apply 10 the balance in a 1mRSam011 category: We use to Average Daily Balance (including new transactions) mal od of calculating Ho bdwwv upon which nor impose Periodic Fiance Charges. We mnpule the Average, Daly Bdwm for each transaction category by adding tip all the daily balances in a bing period is a kase.9m coo" and dnvhdng Hs col by the rnaber at drys in the blkq cycle. We doniptlle to deiyr balance IN eedh tsaarlon alegay urn aadr day by fast adding He lrtliw-g tothe pevias days defy belrmoe, transactions made Oar day. lass charged the day and Pehadrc Frherca Charges accrued on that day Ha bahaaceah is posted to your Account aver the dose of the Wing period in which it occurs, wed toot am hramwactioeh as hmng occurred on to feat day of to biig plod in wlidh it a parted to yo rAabuht AI Aomnl we added to to starrier I purchase transaction category with to a oepion of Cash Admice Trasecton Fee Finance Charges which we added to to transaction alegay and Balance Trader Transaction Fee FiharsGeges which am added to the appliade balance 3asfar is sectiorh allegory. YNen IM spxid rah epees, we mow iheupad bderce of to balance basis and to Balance Tm nda Transaction Fee Finance Charges to the sbr dad purchase transaction casagwy. Hamm. 4 the special rate has been leaminated under the DebnN Rao Plan, we love der unpaid balance of to balance taster and the Balance Trash Transaction Fee Fiance Charges in the applicable leDeac- congay alt the spwW rab wand have oWied. . For Too (TeLeconsaaKatlena Device for tiro Dead) aaasance, cat 1400-347-7"!) Dseova may mahitw wxft record Wepho a cars between you and Oncover represieftir s or gamily ashram paPosas The Dscove' ands seed by Dsmmer Bak, Member FDIC. OITBK107 DISCOVER (HIGGINS, MARLENE Account number ending in 8170 Go green. Go paperless. Join the effort to save trees and clean up your mai6ox. hest sign up for Paperless Stoternents and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of possword-prolected, statement R history, complete with merchant names, locations and zip codes. Go to Discover.com/paperless and sign up for f cperless Statements today. MO 10 Di.c ., Bank, Member FDIC PPRGRN.0810 - -------- - - - Closing Date: April 20, 2008 page 2 of 2 Finance Charge Summary Promotion: Receive a 1 -90% APR on all single purchases of $200 or greater made through 04/30/08. Daily Periodic Rate: 0.00521%. Nominal Transaction 8699292 Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE F ANCE FINANCE B es Rates RATES RATES CHA RGES CHARGES current billing period: 31 days Purchases $0 0.03079% 11-24% V 11.24% $0 s0 Cash Advances $0 0.06299% 22.99% F 22-99% $0 $0 previous billing period: 29 days Purchases $0 0.03285% 11-99% V 1 1.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Paymerd Due Account Number ending in 8170 $353.33 515.00 Ender Amount Enclosed Below Payment Due Date June 19, 2008 Please make check payable to Discover Card or pay online ® Discovercard.com. 20 SDSN6A01 0012885 Go paperless and make your account HIGGINS, MARLENE infomtationmore secure with password- 5525 BARBARA DR pprrotected statements any you can access. MECHANICSBURG PA 17050-7216 Learn more atdiscovercomipapertess. PO BOX 71084 (??rrr1lrrtrrlrl?lrtrlr.(r? CHARLOTTE NC 28272-1084 Address, -mail or telephone change? Print change in space )tr{t((rt(su)tour(u(rtrnl(l(nr)n)n)tr)lrt)n)n(.ln)) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191003533300060000001500 Discover More Card Account Summary Closing Date: May 20, 2008 Account number ending in 8170 Payment Due Date June 19, 2008 Minimum Payment Due $15.00 Credit Limit $15,000-00 Credit Available $14.646.00 Cash Credit Limit $7,500.00 : , Cradii A,,ailob'ne $7,300.00 page 1 of 2 Previous Balance $-9.27 Payments And Credits 60.00 Purchases + 215.56 Cash Advances + 200-00 Balance Transfers + 0.00 Finance Charges - --+ 7.04 New Balance = yJ53 :?'i You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus! Opening Cashbock Bonus Balance S 5.56 New Cashb ock Bonus This Period + 0.65 Cashbadc Bonus Balance S 6.21 CashbockBonus& Since_Aoodecwry Month- June: $6.21 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). 1 Visit Discover.com to Pay your bill for no cost view your How Can We Help You7 latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800 DISCOVER (347-26831 for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us d Discover Cord, PO Box 30943, For TDD (assistance for hewing impaired) see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud LabiUly Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 4 May 4 PAYMENT THANK YOU $ -60.00 Merchandise/Metal Apr 21 Apr 21 WAL-MART SC #1886 MECHANICSBURGPA 89.02 Apr 22 Apr 22 RITE AID MECHANICSBURGPA 12-70 Apr 27 Apr 27 WAL-MART SC #1886 MECHANICSBURGPA 79.83 May 19 May 19 -GAMESFOP #766 MEEHftNICSBURGPA 5.29 - Gasoline May 15 May 15 EXXONMOBIL MECHANICSBURGPA 8.68 May 15 May 15 EXXONMOBIL MECHANICSBURGPA 20.04 Cash Advances May 13 May 13 CASH ADVANCE CHECK #5840 200.00 May 13 May 13 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.00 8699292 important Wormadon. N time is more ton one page b the bilng slalemend, we to back of each page for adddiionel irgortai iiomrbon. Sea your Cardme mberAgreemn t. Your CnxdranberAgearant curibm al the terns d you Actaaa. Lost or ablen cards. Report mmebalsle Cal 141063474683. B" Mghb may- In Cam d Elms a Dnoskors Abet yeur Bl Nyoo trim ydr bi a wrag, r i you need more nfamakm abort a trnecbn on ymr bib vwte b r on a separate stmt of paper at Disown. PO Box 30421, Selz lake City, Ur 8113D-0121, as soon at possible. We mustbea ham youno bl er Khan tiDdays abr ore sec ym the fiat bill on which tla amor or problem appeared. You can telephone us, but doing so wit not preserve you rights in yaw left, give is on forawimg idommew Your tame and Account number. The dollar amountd the suspaded ems Describe de error and expbn. if ym can. why you believe Owen an ems. N you need more inbmetiah, describe the Aeon you are unsure about You do rd have to pay any smut in queefim while we are imcslgeYg. bid you are still oblgaud b pay Ow park of your bill tW-ere rot in quastrort "We we nvesfigab your ;?=O", wa convict report you as de6guent o: take any action b oohed the arnorrtriou'quesion.. Spedsl Ruts for Crea Card Purdrns_ N you have a problem w!h to q xW d goods at srvi es tw you p rohmedvilt a credit ®d, and you have triad signed bob correct dire prodrn with the mrfirA, you may not have b pay the remaining anbut due on tie goods or services. You have tons pnttreekorh ay abort tie purchase pricerwr more tim s50 and die purdhsse was made in your hone able orwdm 100 miss of your mairg address. (N we am a oprab to m mdwvk a i we meted you the advadom m for the goods or services. all pudams are coaxed regardless d the amount or bcabn of pso ese.) Payment. Send oriy ydr peymentand tw topp dm d this sbbmat n the arwelops prwded- Do rot sand matt By - , I yo rchedc as described sham. you rMorim era No use nfohmabon on your died to make an ateaom fund tansfr tam your account at to fiwnciat'rsNrYon irdxialiCd on yardarI or In process he payment as a check transeckon. N psymat is processed as an elemwhie bud Yanslu, the bansler will be for the awiout on the dart When we use inforrrticn tam your deck to arke an eted ors: fund break funds may be wi1hidrawn from your account as soon as to same day we receive your pafamenL and you *A not receive your check bade born yet& frrornaual isfmkon. The processing of your payment may be delayed it you send cash. correspondence or chin urns with your payment, it you said the prymernl Is any altar address or A you use an rwebpe dhr Ow die are provided Payments recrved in proper form at our pmoessrrg facility by 5PN Iasi time on any doywi be aedihed b yourAemur as d that day. Paymeuk received at or processing beityrahrSPklbaitine will be eredibd is your Account asd the nerd i y Myou have mapla ced yowerwelope•-Andyo rpeynar Fie 9saovr. P4 Box 6103. Card Stem IL 60197-6103. Poem allow 7-10 days for delivery- N your payment is mimed unpaid, we reserve to right b resrlmit it as an dee4ahic debit tau an pay your mntnun payment or a grader amount over to telephone, and you can vet up aubmakc peyrrwts. Cd us at 141063472683. You will read this sialmet and your bank account iiamekrt You mid man Ind sulkwit funds we evaiebb in your brit aoceua, rd all barsackons mustonnpkyr wilts U.S- tea You will be asked b provide to Est 5 digits of your account adenhent rip code. By entering those numbers es yew ekcfiaic signal re, you will be ageeig to Ibtrte®tran blow us aid your barb b dedi each parwri you sutorae Iris your brit a®uM. and b iitafe dabitor credit entries to your brit account, as applicable. to connotes ear into pren?stg d such puynhed You mot lei us to amount of each payment, or you can select on trout such an de himmrs Payment Due or to New Balance on eachatatement You can areal a payment. Mwsverwe moot receive notice at loffi tree business days in advanced to scheduled pymrn You may rdty a by phone at 1-006347-2683 or by mail d the eddneea listed a le previous paragraph. Nyour payments may vary its amount we will bl you on each monty sWmmt when your payment will be winds and nor much Awill be Your Aubnokc parse t amount may be less than rdicated m to mrntiy inakmet based w.acts or payments applied during to billing cycle. Credit Reporting. We may report mformakm about your swout to credit bureaus. Lab peysnrris. missed parwts. or olim dalsitson your amount may be millecied in your cm& report We normally report thin sbha and peymwt history of yourAcornt to c adk reporting agencies each north. Nye bafave tw our report is aravtle or nmaplate. plmm ate us at the fotoweg address: Discover. PO Box 15316. Wimthphm, DE 198%WI6. Please ncl de your come, address. Mme dill", ono number and Aooani amber PERIODIC FNIANCE CHARGES. Periods From Charges are imposed on all to seckats Pram to dale to hrwadon a ptded b your Amount uri the dole you pet yea erne New Balance. by mal rug paynerAs or sct. - V vedts. However, tyou paid to New Balance on your previous piing stelmet by to Pepaent Dua Bob shown on that swismanL and you pay the New Balance by #in PaprrwA Due Date on your award big statement. we will not arm Periodic Faaruoe Charges on new purchases. Mal s. purchases hst appearing an to arrest Malement. We cat this to gaps perod. Otherwise, you will moarve a billing stalrrwA rvW month dial includes Parodic Fnaua Charges on chose hew purchases. There is no grace period on balance trandrs or ash advances. We soil your banseciars mb groups of pnadisms, cash advances, and balance aasfers and ton turderson the tra sacbns wto each gap by thrAreeaf Prantage Rate. For example, purchases snibyed b a promaknal ate and purchases shbyed b a standard rate would be separate gmps.lNe velar bloat paps m trasocbon uabgroms. At dne and of each b kg period, we map . be. and Prodic Fnanae Charges for each day d to billing period for each arse . c dogwy llte units kobwig equator b oopum Periodic Fvance Charges breach trarsaclion category: Average Deily Balance x number of dys in to brig period x Deiy Paricdic Rate. (You may refer to to firm charge, wit The AAvvr? statement for Ovem a shown ziia i Then weadd up to periodic Firm Charges for each bansection category ID because of to grace period, Priodc Finance Charges apply bow" , na?io n aatecam cekgory. We use to Average Only Balance (rdhdi g new tra nsecions) on" of ml culls" the balance upon which we wpm Pei Finance Charges. We oar I the Average Daily Balance for each tansaaon magdfy by adding dip at to day balances in a bang petot ix a talsaman category arddie3rgtn tdatby flan nnbrd dlisn the big cyde We oompde the daily balance for each transaction allegory on each day by lest adding to blowing to to previous dye doily ttalance: trasaceaa made thatdayr- fees charged tot day and Periodic Finance Charges accrued onto previous dye doy balarros arid by then stubtrackrg any crcdt std paymetts 1st non applied egret to balanbce of to is inchon atagory on err they In alculs ing In day balance for to list day of to billing period, we toraidr the'pevicus dys Win b hew teen ytr hrelrhoe )or each transaction cakWy on the tact day d you previous billing period. N e tansecim is posted to you Account Mer the dose d the toning period n which t occurs, we wit teat to aasamm as how wig warred an the lest day of era billing prod at which it is posted b yourA=W. M1s?? o Ao nd re added b to standard purdom barsecion aatgory witlh to excepin n d CennAdwrbe Trarsadcn Fee Frnahoe Charges which ore added b Yo = a trasacim ategony ad Balrca Traska Trarsa bm Fee Faencis Charges which ore added b to appicebts balrce fader baaxkm calegory When a special balance translrodewpm we nova to unpaid balance dttwMarion traralerandtoBalrmhashTurarionfeeFierceCharges bthestandard purchase to secton abgory tlowavr. A the special mile has been Wrnrabd under the Debdl Rao Plan, we leave de rpaid heknhce duo belrnce aasfr and the Balrce Trarsiar Trans sdbn Fee Fxwv:e Charges in to eppimNe tram scion abgory WT the special ralewoald have expired. For TDO (Telecomommilications Device for the Dear) assistance. please call 1x06347-7418. Discover may rronibr ahNr reead tmleplhrne calls balween you and Discover reprmsrntkvas for quality assvaw>a pxpoms. The Deemer cad's laced by Discover Baru, Wrillier FDIC. 01TBM170 DISCOVER F ttPC"10 HIGGINS, MARLENE Account number ending in 8170 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-prolecled, statement R history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. fM 10 Discover Bonk, Mamba. FDIC PPRGRN.0810 I ------------- Closing Dole: May 20, 2008 page 2 of 2 Finance Charge Summary 8699292 Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Pori odic PERCENTAGE PERCENTAGE FiNAma FAtANaE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.03079% 11.24% V 11.24% $0 s0 Cash Advances $55.05 0.06299% 22.99% F 42.24% $1.04 $6.00 previous Wing period: 31 days Purchases $0 0.03079% 11.24% V 11.24% $0 none The rates that apply to your Account are either fixed f) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 8170 DISCOVER $1,331.10 $40.00 Enter Amount Enclosed Below Payment Due Date $ July 19, 2008 Please make check payable to Discover Card or pay online 0 Discovercard-com. 20 SDSW6A010012886 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 -address, email or telephone change? Print change in space above, or go to Discover corn. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at discoverconrllpaperiess. PO BOX 71084 III"'Il""'1'111"')"1'I CHARLOTTE NC 28272-1084 3 1111111111411141111111114111111111111111111/111111111111,11111 000001986458512395191013311000300000004000 --- ----- ------------ Discover More Card Account Summary Closing Date: June 20, 2008 page 1 of 1 Account number ending in 8170 Previous Balance $353.33 00 300 Payment Due Date July 19 2008 Payments And Credits . 11 74 Minimum Payment Due $40.00 Purchases - + 00 200 + 1 Credit limit $15,000.00 Cash Advances . , 00 0 Credit Available $13,668.00 Balance Transfers -- . + 66 03 Cash Credit limit 67,500.00 Halos llrares F . + 3:?t 1G = $1 CuJL Available $6,247.00 Nov., Balance , You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Cashback BonusS Since Anniversary Month- June: $6.21 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Opening Cashback Bonus Baaance $ 6.21 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 6.21 How Can We Help You? 3 Visit A c to pay year loan for no c? vnew our latest Account ount information, seer and redeem rewardi and more It's your choice - 3 ways to help 2. Call 1-800 DISCOVER (347-2683) for fast, eosy self-service options or to speak with a Customer Service Account Manoger Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impoired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 14 Jun 14 PAYMENT THANK YOU $ -300-00 Other/Miscellaneous Jun 20 Jun 20 PAYMENT PROTECTION PPD 1-877-883.1959 11-74 Cash Advances May 21 May 21 CASH ADVANCE CHECK 1!5841 1,200-00 May 21 May 21 CASH ADVANCE TRANS FEE FINANCE CHARGE _ 36.00 Finance Charge Summary 8699292 Averoge Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $115.09 0.03011% 10.99% V 10.99% $1.08 $0 Cash Advances $1421.98 0.06299% 22.99% F 53.80% $27.76 $36.00 previous billing period: 30 days Purchases $128.54 0.03079% 11.24% V 11.24% $1 19 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. inhporfad Idomrtlon. N here is more ten one pope to to billing statement see the back of each pap for addilimei npormnt nkxmhabon. See yourCarnimenlarAgreaee i. Your of your Ao=jnt Lost raWencards. Report i niedierely!Cal1 347-2683. Bibg Ng1ta Sunrruary . In Case of Eaos r Ouesio sAbout Your Bit N you fuel: yo r bid hoeing. or tyou need mom i fomutin abort a turhadim n yurlik vrile b M n a separate shad of paper at D"scaim. PO an 30421, Sat Lake City. UT 84130-0121. as anon s possible. We must hear from you no Was Owen 60 days Am we sad youths first bit an which he error a pabbrn appeared. You an telephone us, but doing so w# not prserve yaw rights . in your bitter. gm us In following nbrmeNorc • Your name and Account nsnbec • The dollar amoud of to sutpeded error Describe to error and ehplaik N you can. why you believe here is an errar. N you need mos W m abon. describe the tun you we usue about Yoe do not have to pay any amount n qusi m while we we investigating. but you are stn obligated to pay the parts of your bit that are not in quntion. Whiewe vwstgrb your ev*doe. 3careC:;epor euas delviveMor take amaction bcrAecleamount ysugsastua. Special Rude for Credit Cad Pia chess- N you bona pmbia. web the qusttydgmds a savues that you pucmed web a aod4 card, and you hove bodes goad taib b cornet the pobkm wile the mud ahL you may riot have to pay to rerrmsmg arias due on to good: orservices. Yau have this protection ddy Mien b pu - prioewasaore than 1150 and the pueose was made in you home stele or which 101 miles of your maing address. (N we ohm or ope a e the merchant; or t we mailed you the adralse n ed fir to goods or services. all purchases we cowed regrdess of the amoud or locabon of p nchsse_) Psymeab. Send only yo r pay.na and to lop porbm oftie stahnord n b aavelope pmuided. Do rap sod cash Sy serhdim n your abed: as dmbed above you autlofzo us b use itnnahcru n your deed: b remake a rdecaerie fuel tenser horn your account at to iwhcial nsttAan idi:aled on yaw check or b process b payment use dihedk traseetion- N payment is processed as n edec. kind terser, to terse will be for # *amount an b rhsck When we use nbnmtan torn your deck b mneke n eiemanic fund tansfer, Ands may be withdrawn Iran your scrod assooe a he sane day we reoerw yaw paywsrt• and you will not receive your check bad: Moen you irnahc 'instillation- The proves" of yaw paynert may be delayed if you sad ash, amespo dnae or sew Mrs sigh your paymsK it you sand he pymeat to any am amass, at t you we an wvvalope Ww then the ode p v dad. Payments maivad in proper fore slow praaessig ttdty by 5l"M bah then ay day wt be credited b yourAcaaat as dlbal day Payments .. received at our-processing facility aller 5PM baF3rhe wilbe credited blourAdmutasd h noddayr: N you hove misplaced yea erwebpe: sadyor pay asnl b Disoom PO Bak 6103. Carol Skean. N. 601973103. Pose allow 7-10 days tor dWrwy. N your payment is retuned unpaid. we reserve the right to reskbr it it as n alac_ : debt You an pay your mew Km payment or a Qeata emoud aver the *Wow and you an sat up automatic peyrrmits Cat us at 1300347-2683_ You ail mead his statement and your bank aaoad irdarmatn. Ym must ensue that sugoert funds are available in your bank accouK and all bar imcbm. mst soapy wish U.S. par You VA he *died 10 paida b first 5 d gb of your accord statement ap code. By aAaig hose umbers as your eleckow sigukre, you will be agreyg b k a thrmebo n balm us an lyo rbent b deduct each payriert you a ltisam from your bank adman( and to iiliae debit or credit erhties b yo r bat: a ouK as applicable, to dined an error in b poassig dsudr payment You must tell usbamount ofeach payment. ayouanseednamount such as thekTiiamPrMetDueatoNewBe*=neach statement YouanreaelapaymeKhowever we rrhust mdsiva notice at lead trio b:siese days n advaha of the scheduled payment You may no* us by plhore at 1480347-2683 or by men at to add ran ided in to preac s paragraph. N your psyosnb may very ale arrou i, we will M you on each monfty atelarhertMwm yea psymart whl be made and how much twd be. YwAubmatc payment araun may be ass lean rtdiated on b monthly statement based on aedus or payouts appked dung the berg cycle- Credit Reporting. We may report dnnabn about your aoco rt to credit bream labs payments. missed perrerNs. or otherdefalPS on your amount my be retard - a yam aedt. repot We normally report he ablus and payment tbaby d your Account to o eddf reporting agaars each month. N you talleve tot our rhpot a smacwr* r ahcarhpbt. please wrtfe us at b following address: Discover. PO Bout 15316. Wilmington. DE 19850-5716. Pease include your n me, address, home Wepho a raarnber aclAcco nt number PERIODIC FTNANCE CIfARC,ES. Parodic Frahm Charges are arhposed n all taseckods term the" he transaction is posted to yorAamud uti the data you pay you enure New Balers, by "haling payouts or moeveg asides. However, tyou pad to Hew Betaom an your previous biing sldaant by he Payment Due Ode shown am hat aatanan• and you pay to New Balance by to Payment Due Dale an your current billing statemenl we will not impose Periodic France Charges on new purchases, net ale madman teal apeaig an he current statement We al to Nb Wave pond. Otherwise, you will receive a billing statement nest morph het includes Periodic Frace Changes on time new pudmases. Thee is in gate period an balance trarsers or cash advarices. We sort your karsertors into gags of purchases. dash edva vs, and below tandem and hn further sort to transactions within each quip by has Arad Percentage Rob- For exnpe. purchases subject to a pion obsnel date ud purchases subted to a standard rote world be separate groups. We refer to these groups as transaction abgai . At the end at each billing prod, we anpute belerms and Periodic Fawns Chagas for each day of to billing period for each lraaecioh category . We use ha latowag all stirs b aaplb Periodic Rna oe Charges ter each tesacton category: Average Daily Bayam x number of days ale da billing period x Drily Periodic Rae. (You may refer b to kierhae charge shnenry an you big statement for these anoints.) Then we add up b Parodic Finance Charge 1r each transaction alegory to gat b btal Parndo Fiwnoe Charges ter your Ac cower TheAvemp Defy Balance is shown as mro if, because of the grew prod, no Peniodie Frame Charges apply b to balance n a transaction aego y. We use he Average Daily, Batam (ial I raw iaseddiors) meted of calculating the brew upon which we impose Periodic Fnam Charge. We compute Ibe Aveage Daily Eatana for each tranaailtodh ukgay by adding up all hb daily balances in s Tung peradbra bdv&c%odfxegory anddivsL1gT11Etrnefby ha number ddays in to falling cyde. We compute b defy balance for each transaction wbgory n each day by *9 adding to futosiq to to prewc s day's daily balance: tasardos made tut day bas charged that day and Periodic Frwae Chagas axamed n No pmvimu drys duly bdmm; and by hen aubtracig ay, ore '- and peymwhls Intl are appied agimst b theerre at to tmesacban category on het day In calculating b ddy bedrm for b fist day of the Ming period. we crosider b'limumus day's balance to have been your balance for each Yasechm afegomy n to last dry of you pbvio s biYg period- N e transaction is posted to you Account Awthe dose of the b" period in which t oaxrs, we wi treat to transaction as hev- ng occurred an the first day of the bAM prod in which it is posted to your Acivourit, AN tey??hJ[?d? o,??o}y(?rAamnt we added b the standard purchase tamaclion category wile to exception or Cash Advance Trar imcbm Fee France Charges which am added to the dmppl ?- ,a arsachon category and Belem Transfer Tranmeclion Fee Fiwhces Charges Mich ore added b ft apmpkrahle balsa baler banaectran category. When a speialbaWoe trash rate rpies, we move to upaid brew of Owl I eundw ad b Baleen Ttasda Tlaaecin Fee Fmnce Cdwgs b tw sfarh I purchase, tasectiw category However. t b special rat has been bmw*W under the DdaM Rate Park we leave the unpaid) I of to balance uarsfa and to Balance Transfer Trans aiin Fee Fiance Charges in the appiratile transaction, cebgory urd the special rate would have expeed For TOO (Telecommunicallons Orke for the Dad) raaiabnce, pieaa can 14106347-7419. Ohscover miry mardor erhdra read lebphoe, calls between you and Discover mpesadaivs for quality assurance purposes. The Discover card is issued by Oiscows Salk. Member FDIC. OITSK170 New Balance Minimum Payment Due 170 N u c A m DISCOVER $523.95 $16.00 t Enclosed u rt itmo E Payment Due Date $ August 19, 2008 Please make check payable to Discover Cord or pay online Q Discovercord.corn. 20 SDSN6A01 0012987 Go paperless and make your accoutrt HIGGINS, MARLENE information more secure with pessword- 5525 BARBARA DR protected statements only you can access. Learn more at discoverxorn1paperless. MECHANICSBURG PA 17050-7216 Address, amail or telephone change? Print change in space wove, or go to Discover-com. Print your a-mail address to receive important Account information and special offers. PO BOX 71084 11111411111111111111111 loll 1111 CHARLOTTE NC 28272-1084 1191111111111111111111111111111111111111111111111112111111 a I I I 000001986458512395191005239502200000001600 Discover More Card Account Summary Closing Date: July 20, 2008 page 1 of 2 Account number ending in 8170 Payment Due Date August 19, 2008 Minimum Payment Due $16.00 Credit Limit $15,000-00 CreditAvoila6le $14,476.00 Cash Credit Limit $7,500.00 -Cgsh-CroodiLAvoilable $7,068.00 Previous Balance $1,331 10 Payments And Credits 2,200.00 Purchases + 249.58 Cash Advances + 1,100.00 Balance Transfers + 0.00 Finance Ch rges + 43.27 _ New Balnnc.c _ - _ $523 93 - . You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 6.21 New Cashback Bonus This Period + 0.61 Coshback Bonus Balance $ 6.82 Cashback-Borws® Anniversary- Month: June Keep building your rewards with every purchase. Start redeeming once you reach $20 Coshbock Bonus(R). How Con We Help You? 1 Visit Discover corn to pay your toil for no cm ost view latest Account information, earn and redee rewa s arld more It's your choice - 3 ways to help 2. Cap 1-800-DISCOVER (347-2683) (or fast, easy self-service er t Mana A S i C h g ccoun ce erv ustomer a options or to speak wit Please have your Discover Card available. 1 Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sap Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Dab Payments and credits Jul 15 Jul 15 PAYMENT THANK YOU $ .2,200.00 Merchandise/Retail Jul 4 Jul 4 KMART MECHANICSBURGPA 26.15 Jul 17 Jul 17 WALMART SC #1886 MECHANICSBURGPA 76.93 Jui_7 7 Restaurants Jul _ .- MCDONAtD'S F2449 CAMP HILL PA 11.00 - _ - - Jul 9 Jul 9 RUMORS ENOLA PA 48.00 od"WPAisceBaneous Jul 20 Jul 20 PAYMENT PROTECTION PPD 1-877-883-1959 4.62 Cash Advances Jun 27 Jun 27 CASH ADVANCE CHECK #5842 500-00 Jun 27 Jun 27 CASH ADVANCE TRANS FEE FINANCE CHARGE 15.00 Jul 7 Jul 7 CASH ADVANCE CHECK 45843 400-00 8699292 Jul 7 Jul 7 CASH ADVANCE TRANS FEE FINANCE CHARGE 12.00 Jul 10 Jul 10 CASH ADVANCE CHECK #5844 200.00 Jul 10 Jul 10 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.00 supermalIkoh Jul 12 Jul 12 WEIS MARKETS #58 MECHANICSBUR PA 82.88 - to CIP) Mrs billing stal imerl see the baled each pop for additional irpabd xdmn tron- ymhporteru kfarmNou. tl there issue tom am page z2 See your CardnemberAgmement Your CardmennerAgreement mnlism at Fe brim Of your Acmud 0 Lord Ow stolen cards. Report iomedoWyt Cat i-M347-2653. Boling Rlght¦ Summary. In Case at Emom or 0uwstras Above You BA: tlyou tw* your bill is woo a f yw need maenbmafion about s tarsedran m car bA, writ b us m m o0 possible yyamuyAearlmmycurobbrMran60dapaherwesomyaatwwbdm m WW. 9re to Mb boowrg idmnaam- m separate sheer d paper at Discover . ? telephone 2 us, bur doing sou well not 2Waserve your rights- in your wlrch to wor or probbs appear 'r . Your name audAcmu t tanner 4 • The dollar amount d the suspected aria believe bete is an am. tl you toed sae infonrnatiorh, describe to item you are Mount about Dew" to error and eaplan. if you can. why you Yythtewe ihvestigda your You do not have to pay any amen in question woe we we immoogebg, but you an still cbtigeled to pay to pads of W bill that ace cad in quesbar -- - questim, we canoe report you as delequord a take arty echon to collect the am o nt you +-... nIrscredalcad. and you Iwive tied n good IeilFh b caned Special Rule for Cm& Card Pxdmm: tl you have a problem viM tw qudty d goods«sanim You d wp ? P? war sae tun $90 the problem wvb to mere ant. you may not have b pay the remaining amount due on the cpods or serrim. this p merchant co we mimed yw the rrdver6sehhrea for w *M or and tie purehose was made It your here sale or within 100 miles of your mafrg address. (N we can or operate die saviors, hi purchases ere cased regardless of the amasd «bcetion Of phe on e) Do rot sad ? By sending or 4 your dwdk as described above, you autrwae us b to goods Sad sly Y? PnYmwnt eAd to top pafiar d fns slabnnad in the araneloDe praideuL ihdic chock or to process to payment er • deck oaoectom us?usa inonrrnaborh m cant dock b ache an elactarc, had trarsha ban your acoonnt at the krnnc?d ihsfihtfiorh ded an your d s ah en eleceorrc had berwlar, Una Yarster wA ha tar the amend m the cork Where we use id as our bum your dock to rake an chicionc AM transfer re . tirrds ? be witlh nom your ecceurd es soon as tlo same dept we reoere yea payment. and Ym well not ceive your dock back tram your lanemnoat idiYtion. The proces>ang d yea payme+d may W delayed f yw Bernd resin. cpraporhdehoa a other ibaswfh your peyroherd. on you rend the pelmraf t ay other add a f you use an ox ertolope otor ton do one prended Paynrets recaired n grope tam al our P 9 br+bY let 5PM local Yee m any day will be credited A ? of a bMmA day paymemls s 0iscewrC PO Bar received a our Processig facifiry aka 5PM (oral tirro vet W cred0edio yarRooou>; m s rebated roped. reserve resubmit No mgM to it as an ebdrmic debt 6103. Card Steam. d_ 60191b/QS. Pkase stow T-10 days 1a dalivany y?!>sYa? ?317-M. You wi read this sielenord and your You can pay your r ewe rn peened our a greater aaourd as to tlephhao, and you an lad tip akacrmhetic pg melee Call m a1 1 bank accourd nbmobc You round Insurer that sdfioerd kids ere avalable a your bank account, and all bra carbons must comply eA U.S. Ina You will be aced b provide to fist 5 digits of your acrnN statement cap code. By entering those numbers as your electronic; signature, you vii be @Woong to tie euticroaum ballow as and your bat b deduct@Kh to cot an Now in theprasssirgdsudrpsymentYoumrst payment you aiihoree endbwade amountilcrstl amories as • fell in to anent of d each phaYmrrl• our you can can laded an amend such >a to fi/irimrrrh Payment OIe or to Now Belelw m each ste6arnerd You can wnccda payaar; losuerar we must rewire notice at least twee bnseess days in admire of to scheduled peymord You may notary us by plow al 1-BOD347-2683 a by mad at to al6esa fided in to previous paragraph. tf your paymeds may very in amount. we will let you on each madfny statement when your payr^e1tud be made and how much dwA be. Your Automatic payment avant may be less tan indicated an Ire monbny statMwrd based on weft or payments applied during to telling cycle. Credit Repordrg. War may report adamation abed your account b credit brans. LOO paymerib, wessed pey n ode. of car defects on your accoad may be rekeded in your credd report We nomhety, report tlwi slots and payment herby of your Armurd b credt reporting agencies each molt tl yw believe tier our report is momrab «nowpbm, posse write . us at tlo IaNowig address: Da+ave, PO Box 15316. Wtrwgtorh. OE 19850-.5316. Please ndhde your reae, address, hone Wephouw number and Ammi t member ON deb more s ?s posted b your Account aril Ore Dale sAaan ayou M n twit your enor m and PERIODIC FIMCE CHARGES- Periodic Fiance Charges are Imposed on me karsadas ken do dace the transaction Haw Balance, by on" payments or rocerwg eels. However, d you pad ow Now Halo "m Your previous brag ord by the Permit tad is. purchases, antrot eppeama n You Pay the Hew Balance by One Payment Due Dab on your anent big suement, Pipe will not impose Periodic Finance Chagas m new pudheses, on to tuned suriame t. We call in tie gate period. Ot onrise. You red meoeve a biQrg statement next mach tat includes periodic France Charges an base new purchases. Thee is no grace period on balance trascars or ash advances. For We said your trasecouns too groups of pukdases, cash advances, and balance trasbrs and ten further sod to transactions within each ga4 by Ow Maid PerremNagAta tl fiReb. end o We relor example, purchases subject to a promotional rate ad purchases subled b a standard tale world be separate eadt?iadot category y _ern Woupss as tramachom g a4 a Vile use the lioloeirin to cornp each billing period. we compile balances and periodic Firearm Charges breach day d the telling period f . Periods Rat. (you may refer begs imam chomp Periodic Fronde Charges lour each sa eatiam category Aerage Defy Bi , I r number of days is to big pared = Dek summery on your biting sslernend for new amount.) Than we add W to Paodc Fn wm Gorges for each ka aac7an category to get the bbl Periodic, Finance, Gorges ter your Accornt. The Average Daily Balance is shown as mot, because d the gaw pebd, ro Periodic Fnemw Charges apply b M bdanoe n a umsscbon cmk gpy. We use the Average Daily. Balance (rrirdn)) new barseciaa) method, d calmlarrg the babnce ups wlsdh we' I Parrok Rionce Chagas. We co prM tlw Awmp Deily Siam Tor eacTh itarsedmah itla9nYby eddrg up efi ieaeily bola rtes in elirig period ter a ra?sectarh cda9aryand i9 dolddby7w amber delays o the tdkmhg iT?de. We to deny balance IN each eamssc+an wlepay an each day by fret adding to btowag b tw preious drys doily balance. basamas made taldX fees charged twit day ands odic Firm" Omegas accrued mtlopievwsday'sdaily bWwm-. ad by thein ouboad" any . and paymerb Mal we applied against the below at to transaction category on thaday. In cdcula" do deny balancer cor to firs[ day of Mwi big period, we consider Be previous day's bloce' lohem been your balance IN each t emacfon category an the last day, of your previous h" Period- U a traneacbm is prod to your Account ahem to dose of to billing period r which f occurs, we will ked fee transaction, as hav- ng conned on to isst day of to biig period an *%c h it is posted to your Accou Account- All Account ere added to the standard purchase twooM h category worth to exception of CashAdva ce Tamsar9on Fee Frwm Gorges whwh ere added to the abgay ad Odw m TmWw Tmmmd m Fee Fnerms Granges wfrdh ere added b tw W cable bdarhce ba ew bro secim category When a belarrs r rem spires, we move the unpaid bebnce d the balance trssfer ad the Selene Twisla Transaction Fee Fiomm Gorges b to sin I purchase transaction category However, f the special rate bas been cermrwbd under to Doi" Rob Phn we loam to unpaid balance of the balance emoslr and to Bebree Transfer Trans- action Fee Fromm Charges in the applicable trasacl on camgory until Be special rat vredd have expisd. For TOO (Telecom murnrad" Device for to Deaf) assistance, please call 14MU7-7449. Discover nay manta andbr record telephone rats between you and Deomer repesenb?ves for quality assurance purposes, The Discover' card a awed by Discover Be*, Mernba FDIC- 01TBK170 DISCOVER tt par to HI vCANS, MARLENE pMOVEff Account number ending in 8170 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Popedess Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/paperless and sign up Cor Paperless Statements today. 52010 Diacwx 3mk, M-6. FO1C ( i6l *4 s PPRGRN.O81 a Closing Date. July 20, 2008 page 2 of 2 f$fiCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases s0 0.03011% 10.99% V 10.99% s0 s0 Cash Advances 6543.43 0.06299% 22.99% F 47.20% $10.27 $33.00 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Ouestions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 8170 DISCOVER $3,688.13 $74.00 Enter Amount Enclosed Below Payment Due Date $ 11 Sepl .A- 19, 2008 Please make check payable to Discover Card or pay online Q Discovercard.com. 20 SDSWA01 00128811 HIGGINS, MARLENE Go paperless and make your account information more secure with password- 5525 BARBARA DR protected statemertts only you can access- MECHANICSBURG PA 17050-7216 Leammoreatdiscovercomlpaperiess. PO BOX 71084 It rris 1s111ris 1srts1 CHARLOTTE NC 28272-1084 Address. amod or teiephore change2 Print change in space (nn(n(?n)rrr)i?(on(n( )nrn(illrloll lso lullr,(ulr,(rlul( above, or go to Discover.com. Print your a mail address to receive important Account information and special offers. 000001986458512395191036881300050000007400 -- ---- --- ------- ----------------- --- ------------------- - ------ - Discover More Card Account Summary -- --- -?- ---- --- Closing Date: August 20, 2008 page 1 of 2 Account number ending in 8170 Previous Balance $523.95 Payment Due Date September 19, 2008 Payments And Credits 50.00 Minimum Payment Due $74.00 Purchases + 406.58 Credit limit $15,000.00 Cash Advances + 2,700.00 Credit Available $11,311.00 Balance Transfers + 0.00 Cash Credit Limit $7,500.00 Finance Charges + 107-60 Cash Credit Available $4,368.00___-_ New Balance $3,688.13 - You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashbock-BonusS AnniversaryL Month: June Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Opening Cashback Bonus Balance New Coshback Bonus This Period Cashback Bonus Balance $ 6.82 + 0.93 S 7.75 How Can We Help You? 1 Visit Discover tern to pay your 6M for no cast, viewy?w? latest Account information, earn and redeem rewwds and more It's s to hel our choice - 3 wa 2. Call 1-800-0ISCOVER (347-2683) kw fast, easy seWservice y y p options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dots Payments and Gedas Jul 29 Jul 29 PAYMENT THANK YOU $ -50.00 Merchandise/Retail Aug 11 Aug I 1 A EAGLE OUT00001 9 1 704 1 CAMP HILL PA 2450 Aug 11 Aug 11 TLF*BLOOMS BY VICKERY CAMP HILL PA 56.13 Aug 12 Aug 12 A EAGLE OUT00006593919 OTTAWA KS 44.50 Restaurants Jul 19 Jul 21 STARBUCKS USA 0)089664 CAMP HILL PA 104.93 Jul 20 Jul 21 BALLYS AC HOTEL AND CASI ATLANTIC C11YNJ 33.00 Aug 5 Aug 5 YOUR PLACE RESTAUR WORMLEYSBURG PA 42.69 Other/Nliscellonecus Aug 20 Aug 20 PAYMENT PROTECTION PPD 1-877-883-1959 32.53 Gasoline Jul 19 Jul 21 SHEETZ 00001958498 MECHANICSBURGPA 50.70 8699292 Jul 19 Jul 21 SHEETZ 00001958498 MECHANICSBURGPA 17.60 Cosh Advances Aug 4 Aug 4 CASH ADVANCE CHECK #5851 700.00 Aug 4 Aug 4 CASH ADVANCE TRANS FEE FINANCE CHARGE 21.00 Aug 6 Aug 6 CASH ADVANCE CHECK #5852 500.00 Aug 6 Aug 6 CASH ADVANCE TRANS FEE FINANCE CHARGE 15.00 Aug 19 Aug 19 CASH ADVANCE CHECK #5871 1,500.00 Aug 19 Aug 19 CASH ADVANCE TRANS FEE FINANCE CHARGE 45.00 -Fall Fashions breakinngg the bank? Shop Back4oSchool sates through our exclusive online shopping site ShopDiscoverl Earn 5% to 20% Cashbock Bonus(R) at your Favorite online retailers like Old Navy, Sean, Lands' End and many more- Visit Discover.com/Shop todayl thportant Idormotion. I t ere is more ten one paps to In burp statement. see to bads of each pope for adlddond nhpMat information. Sea yaw Cardmember Agreement Your Cedmember Agmemiard contains. all the tams of your Account. Lost or stolen cads. Report mnedelely! Cal 1406347-2683. Blling Rights Swrowyr. in Case of furors or Oueshons About You Bit Iyou !hint you bi0 s nwong, or I ym need more Wormelon eboul a' ansaian an yaw H. WAR b us on a sepwale sheet of papa at Discover. PO Box 30421, Sal Win City. UT 84130-0421, as soon as pmable. We moat hes5am you no Wer ton 60 days ester we saw you to fad bill on which tie enar or problem eppewed. You can telephone as. iwt dung so will not preserve your rights In your alter, give us the bllowhg information: You tans and Accanl number. The doom amount of the suspected error Describe to error and explain. dyou can, why you believe there is an error O you need more information. describe the ism you are mete about You do not hews to pay any amount at question while we are euestipating. but you we sell obligated to pay to parts of your bill OW am not a question. While we irvesegale your _ question we armor report yr u as deinquaa or table any action to mead the erteud-youquection. . - Special Rule for Credit Card Funch set I you have a problem wth the quality of goods or services tin( you preeaedwih aeredt aid, and you love tied agood faith to cared the problem with the merchant. you may not hove b pay the w marwg aroud due on the goods or saviors You have in pmledion only when the purchase pace was am Ion SW and the purchase was made in your home slate or wntlhih 100 Was of your maing address. (If we awn or operate the merchant, or d we mailed you the advertisement for the goads or services. all purchases are covered regardless of the amount or baton d purchase ) Prymenls. Send only yaw peymat and to top portion of this determent in to envelope provided. Do not sad rash By sending you cihecic as described above. you adhom us b use information on your check to make an eleaaric turd transfer from yw account at Oa 4naxial institution ndeded on your chock orb Roma to payment n a check hmeclion, I payment is processed as an alectaic fund tanbr. the tarwter will be for the amnud on to check. Man we use irAmm mom from your deck to melte an elahwws find transfer. kids may be wilh6awn from your account as soon as the sane day we receive your psy er* end you will not receive your deck back from yaw 6wnciel estifaoa The procasarng of your payment may, be delayed d you sad ask correspondence or other items raft your paymat. d you send Io payment to ay dha addressor t you use an envelope other Own to one provided Payments received in proper form at our processing fealty by 5PM local am on any day will be cradled b your Account as of MM dry Payments meewed ai w prooesmg bcbyr aka 5PM br1 timewil beaedded tvyom A=uit as d titieirad dayr. Iyoo twenispbKW yam w%migw; sad yarpaymert b9smver. PO Box- 6103, Card Stream. L 60191-6103. Please allow 7-10 days for detivay. t you payment is returned unpaid, we reserve to right b resbml i as an electronic debt You an pay your mi room, paynwt or a greeter amours own fit telephone. and you an set W automatic payment. Cal us al 1400.347-1-683. You will need the dalemat and your bm* account inlonmaim. You must ensure that sufficient kids are available in you bards account. all all tasactioro must comply with U.S. leer. You will be adodto p owdit the first 5 dg fs d ywr aooo rt statement zip coda. By adaig those ambers as your electronic signalize. you wit be egrearhp lot= s lha¢sirn b allow us and yourban* to deduct eaih Payment you autlanze from you hair account. and b nbefe debit or credit ennes b your bahfi account. as applicable, to corned an error a to pmastirg of such payment You mud too us the amount leach payment. or you can select an apart such as to Miimum Payrned Due or to New Balance on each sleleme t You an csual a psyna k ivweverwe must receive mace at least tree business days in edwame of the scheduled payment You may noldy us by phone al 11MO- 41-2683 or by mail at Oa address bod'n tie previas paragraph. I your payments may vary in amohrt we will tel you on each mordty statement when your payment will be meta and tow much d will be. YwAubm sbc payment grout may be less then indicated on the monOiy stftmerd based on credits or payments applied during On billing cycle. Croft Reporting. We may report itomtetot about your account b credit bureaus, We payments. missed psymats, or elmer delab on your ahxorad may be ueisded in you credit sport We normally report to status and payment to" of your Accent to aedt repa" agents each monOh. I you bebm Mal w mW is imosa% a imupWe. please ante us at the folID" address: Oscovar. PO Box 15316. Witniglm. DE 19850-5316. Please ahdusde yw carne. address, home Wephore number and Acoeut rumber. PERIODIC FINANCE CHARGES Periodic France Charges are imposed on an tarsecJiors from to dde to transaction s purled b your Am" utl to date you pay yam afire New Bob-, by am" Payments or re-Wing aedds. However. 4 you paid the New Baler" on your previous biing statarmmad by the Payment Due Won, shown an het statement. and you pay #a New Balance by to Payment Due, Deb an your current billing statement we will not impose Penodc France Charges on new phrcosets, OW R txacheses fit appeang on the anal statement We at the Ire grece period. Ofiev wise, you will receive a bilig statement next month tlel includes, Paiodc Fawns Charges on Ouse new purchases. There is no grace pe hod on balance transfers or cash advaoes We scot you transactions into, groups of purchases. cash advaoes. and bola" transfers and than krther scot the trasactiors wdm each gawp by their Annual Percentage Rde- For example, purchases srbyect b a p uffol onel cab and prdhsses subpecf b a sbadad roe would be separate groups- We refer to these groups as tarsectron cdepahes- Al to e d d each billing prod, we compum balances and Penodc Fnaha Charges for each day of the b&N period for each basaction category ft use to folowrl; equation b cor" Periodic France Charges for each transaction category: Average Daly Balance x number of days in to billing period x Daly Periodic Rafe. (You may refer to the, iuahoe cage summary on your billing stMemai for these arrwht.) Then we add W the Peodc Francs Charges for each taseooon clegory b gin the (oral Parodic France Changes fix you Acomat. TheAvemge Daily Balarua s shown as zero i. Dakota d tw grace period, ro Periods Fnaha Chagas apphy b dw hehance n a trasectioacabgmy. We use On Ava99e Daly Bat- (ndudirg new hausactias) method d calculating to balance upon which we impose Paiode France Charges. We ocraqubs Ire Avaaga Daily a"ict fa each sansadnh rabyay by along up aWIM daily balances in a billing period for a transaction cab*" and awidrg the bbl by the number d days i I*UNhg cycle: vw wmpule to daily balance for each tawarion category on each day by first adding the blowing b Ie pro vices day's daily balance: tamactaw made thin dry, leas 1 9 l ill day, and Periods France Charges a= usd on to proactis dolls daily balance ; and by then sbtaclig any credit and payments dal are applied against the balance of tie tssarim category on that day In dWalsteg to daily balance for to fin day of to Ding period, we consider tlo'previahs day's balance b have been yw balance Jar each transaction category on this lad day of your prewar billing perod. I a transaction is posted b your Account aner to dose of the b ft period in which it oars, we will tea to transaction as ten, IV occurred on the fist day of to wlig period in which it s pasted to you Accent At lees charged Io our Acoorrt we added b to standard purchase trasaciew category wilh to exnepem of Cash Advance Transaction Fee France Charges which are added In to eppi amsadiah a(egory and Balance Transfer Trarsecion Fee Fiances Charges which are added to the applicable balance taster tatsarion category When a spoors helarhce hens er rate spies. we move the unpaid balance of the balance taster and the Rowse Transfer Transaciwh fee France Charges b the standard purdsese taswimh category . Howem I Ia spacial tab has been laminated under the, Default Rate Plan we leave to unpaid balance of to balance taster and to Beimee Transfer Trans- anion Fee France Charges in the rppI II tasecfiar cMegocy until the special raft would hove expired. For TOO (Tekranmurdauau Device for the Deal) assistance. please ca014W347.7Wp. Dscover may mmibr ardor record telephone als between you and Dscowar representatives for gsairy esnaranos Purposes. The Demmer` card is sued by Dscow Berk, Member FDIC OITBK17O DISCOVER It Pcrfs to MOANS, MARLENE Account number ending in 8170 DISCOVER Go green. Go paperless. Join the effort to save trees and dean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself b 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercam/paperless and sign up `or Paperless Statements today. M2010 Di-- B-k, Nt-b- FDIC aV4 a MGM-08 10 ----- - ------ --------- ----- - -------------- ----- ------- ---- Closing Data: August 20, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00521 %; corresponding ANNUAL PERCENTAGE RATE: 1.90%. Rate is subject to the terms of the offer including expiration. 8699292 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 $313.30 0.03011% 10.99% V 10.99% $2.92 s0 Cash Advances 3,1194.00 0.06299% 22.99% F 46.35% $23.31 $81.00 previous billing period: 30 days Purchases =40.75 0.03011% 10.99% V 10.99% $0.37 none The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 11-8004XISCOVER (1.800-347-2683). New Balance Minimum Payment Due Account Number ending in 8170 DISCOVER $3,540.27 $72.00 Enter Amount Enclosed Below Payment Due Date $ October 19, 2008 Please make check payable to Discover Card or pay online @ Discovercard-cam. 20 SDSN6A01 0012889 t; HIGGINS, MARLENE opapetiessandmakeyour aasswa inforrrnatian more secure with passwad- 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Learn more at discovercornipaperless. PO Box 71084 111$$ llrr.r.1.111r.rlrrlA CHARLOTTE NC 28272-1084 Address, e-mail or telephone charge? Print change in space (I i(rllunnilrllIt (nlrlu?llllurluln?nllnlululrlu(I above, or go to Oiscover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191035402703600000007200 -------- ----- ----- --- - - - - - - - - - - - - - - ------------------ - --- --- - Discover More Card Account Summary - - - e....---- -- Closing Date: September 20, 2008 page 1 of 2 Account number ending in 8170 Previous Balance $3,688.13 Payment Due Date October 19, 2008 Payments And Credits 3,600.00 Minimum Payment Due $72.00 Purchases + 130.32 Credit Limit $15,000.00 Cash Advances + 3,169.99 Credit Available 459.00 $1 1 Balance Transfers + 0.00 Cash Credit Limit , $7,500.00 Finance Charges + 151.83 Cash Credit Available $4,242.00 New Balance = $3,5A0:27--- You may be able to avoid Periodic Finance Charges, see the reverse side for cletails- Cashbadc Bonuse Opening Cash6ock Bonus Balance $ 7.75 New Cash6ock Bonus This Period + 0-24 Cashback Bonus Balance $ 7.99 Cashbock BommS Anniversary- Month: June Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? ' Visit cc ; ,at` your band kor no cost, r "eW and mare It's your choice - 3 ways to help 2. Please have your Discover Card available. 3. For TDD (assistance for hearing impaired) see reverse side Call 1-800-DISCOVER (347-2683) for last, easy Selkervice options or to speak with a Customer Service Account Morwgsr 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 Dab Payments and Credits Aug 28 Aug 28 PAYMENT THANK YOU $ -3,600.00 merchandise/Rdail Aug 26 Aug 26 A EAGLE OUT0000 1 9 1 704 1 CAMP HILL PA 39.00 Aug 26 Aug 26 STAPLES 00106,435 MECHANICSBURGPA 23.56 Restereaol3. Sep 8 - _Sep _8 _ PIZZA HUT #844301.15835 MECj1A_NICSBURGPA 34.53--_ Other/Miscef{oneas Sep 20 Sep 20 PAYMENT PROTECTION PPD 1-877-883-1959 31.23 Cosh Advances Sep 1 Sep I GCA' HOLLYWOOD CASINO AT GRANWILLE PA 1,569.99 Sep 1 Sep I CASH ADVANCE TRANS FEE FINANCE CHARGE 47 10 Sep 3 Sep 3 CASH ADVANCE CHECK #5873 800.00 Sep 3 Sep 3 CASH ADVANCE TRANS FEE FINANCE CHARGE 24.00 8699292 Sep 3 Sep 3 CASH ADVANCE CHECK #0233 800.00 Sep 3 Sep 3 CASH ADVANCE TRANS FEE FINANCE CHARGE 24.00 Ready for football season? Get everything you need for the big game and earn 5% b 20% Cashbock Bonu4R) when you shop online at over 100 top retailers like Circuit City, Sports Authority and Omaha Stooks through ShopDiscover. Visit Ahma8memer at Laieeover.com/shoo k lavl lmporWnt Information. If Bare is more fan one pegs to the billing sblarenl we the bade of each page for addibond important ihbnnshon p . co SeeyahrCardmemberAgreanenlYourCardmembmApeementcon*w dtieterradyrrAnxnut z Lost or stolen cards. Report immediately! Cap 1MO-34T--2683. o Wag Rights Sunmmry. In Case at Enos or QuesUOra About Vier 8i: if you fink your bill a wring, our it you need more idomatien about a' fi rssrrayrar bill, write b us on a o0 separate steel of paper at Discover. PO Box 30421, Sak Lake City. UT 81130-0421, as soon as pros "' We mist hear fan you to bbr tan 60 days alter wesern you to fact billon - which the acv or problem appeared. You fan depbone us. but doing so will not preserve your rights. In your later, gee us fro blomV Wormsboe a • Your name and Account number 'o The dollar amount of to suspected enor Describe fin error and explain. it you can, why you believe two is an ma -1 you reed more erfommMm, describe the den you are unsure about -+ You do not have to pay any amount in question while we are investigating, but you are sell obligated b pay the parts of your bill to we not it grafo - VA& we i visagras your -- question, we caw" report you as deliquent or inks any ackam b collect fie emo ni you yuestium. Special Rate for Credit Card Purchases: gym have a preblern with this quality d goods or services fhd you purchased weft a credilard, and you hers trirdagood faint tared fe pradern with to mordant, you may rot have b pay to renesirg amount due on the goods or services. You hen this protection oriy rlante pudu®a p®e sun mom tam $50 and to purchase was made in yam home store or within 100 miles of your nairng address. (f we can or operate to merchant or if we nailed you On sdvarisoment for the goads or services. at purchases are cowered regardless of No amount or location of purchase) Payment. Said only your payment and the by prlon of to statement in to onwelops provided. Do not said rook By sending your dad so described abovq you outie ote us to use Wonnabn on your dada b make an electronic lad Warder ben your account at the 6ancid iatitilrn indicated on yourdle I or bprecess to psysaenAas a flack transaction. 4 paynet is processed as an eledaic lud artier, to wonder will be for to rnart m the desk V*m wa use *Ow abon ken your dm& b mats on mitosis tend banshm funds maybe wildrawn tarn your acoout as soon as to some day we receive yam payorent_ and your wi nolreceive yaard" back loss yo r liwcief irfidion. The processing d you payment maybe delayed if you send cash. correspondence, or often items with your payoart, d you said to paymes b wry el areddiass or d you mean envelope oter than the one provided. Paymarda received in proper formal our processing faality by 5PM local time on any day sill be credited b yourAmon t as d tal day Payments mcaved roar proaessng lefty alter 5PM local lime wi bac ediledto yourAccoun:as dtrrnext dw gym taus nispbcedyour envelops, send yourpaynrsnt bOiscovar. PO Bas 6103. Card Stream, l 60197$103. Please allow 7-10 days for delivery. If your psymert is remand unpaid, we reserve to right b resubmit it as an abclac dd A. You can pay your noisiness parried or a Wester rrwA over to Weptone. and you can set up au si atic payments. Cat us a41.800-3Q-26t3- Yaawi nesdtfis stslrnort ad yam ball accohad mbomafon You cost masse tat M' lands are available n your bo i arrant. and al iron 1 P 1 1 no con* with U.S. Inc You web a died b providalM Est 5 dgis of your account statement zip code. By entering Mss numbers as your eleclroric sgreeture, you wi be agesig to to allormron b allow m adyaar brt In dadnd ern paymrd you =Nome tea you bank account, end b iibok debts m& w*= b your bank art n( as afphmbb. b cwedan emu et to poaeswgdsrrh prpmrt You muss ldusfaamoutdawhps#mho.ayoutansebdenammMashastok6FwunPaymordDuerfaNeuBdmwmernaiterllr, Ycuntharcelapayment, however we mist reosve ticks at bast tree business days in admnce of to sdadided pymerk You may, nody us by phone at 1.800347-2683 or by mad at to address bbd in fa priors paymdtb may very in srourl we will tall you on each rnohfdy daternnerht when you payment will be made and law min it will be. YorAubmeic palms amid paragraph. V you . miry be leas fan ndcated an fre monthly deterred based on ore M or payments applied during the brltng cycle. Credit Reporting. We may report intonation about yam af.Tamnt In credit bureaus. L.ab psymeeft, missed payments, or other deimki onycrr wDo t coal be related in you credit normally report the storks and payment li envy of your Account to os& reprhg agsrx? each rants It you bebve OW our report is inaccurate oanco pteb, plem write report We us at fa address- Disoovr. PO Box 15316. Wilmington. DE 148503316. Plasse include your nerve, Bddess, have Wepha m n tw wdAcraudrmmibw. following PERIODIC FMANCE CHARGES. Paudre Fiance Charges ere npased m d ba smoD s tom fin date fa tmoallm is paced b yawAaasA tW fin dds you pay you antra New Balance. by noting payments or receiving cre - Howrra. d you paid the New Bdw-dl y- Myios bdkq ,' -P , a by to Papaeat Due Dsb sthowp an that statement. am you pay to New Balance by to Payment Due Deb on your Q1rar big stalrrent, we of of impose Peiodic Finance Charges an raw prdwm, fat R Purchases led appearing an 1 he anent sfatdnerd VVe fall i is l ho Woke period. Ot snow. you will rKeive a big deferred next month that includes Perodic Force ChnrgQS (n tow new purchases. There is to grace period m balance transfers or ash advances ts grape cipwdmn ash advercas- and bderoe tenders end tan further sat to transactions w" each group by taiAnn dPaoeMage Role. For We art you tra .ictKm i J.:? ? example, pudu ms ubled In a promotional role and pu homes s burl to a standard role would be separate groups. We refer to flaws gaups as bareadcm cabgries- M the end of each baling periodk we compute bderms and Periodic Fiance Charges ter each day of to billing period for each transaction alapy. We use to blowingapatim to rtnpals Periodic Finance Charges breach tianasaCtienh cabgry Average Daily Bdarcer x nunber d drys in fe bang pond x Daily Penn& R b. (You tamp air boa fnerca change srmany an your big stalmard for lase ancients) Than we add up fa Poe Finance Charges for each tarsarbm cdeguy In got Ow Well PeilOdiC Farce Charges bs your - erl category. Acarnt The Average 0* Balance, is shown as Iem d, becam at the grace period, no Peiitdc Finance Chagas apply to to balance real , 1 1 We use the Average Daily Balance (including raw trarsactiors?nabod of alatsie g to bob= upon which we impose Pionodic Fiance Chagos. We ocre- I lbe Average Deily ` rq the 0td6yihs iaahberdbys a ins bn7eg ryde.llte tdalrce for each Warhsrdim rategorya by adding up d tliidrty belr:nras n e toying pored fr a Warsection cateyary mid dwd mmpula to daily balance lor each transaction category on each dry by fast adding the blowing b to previous day's daily balenoe: b aaLlara wade QMday, fees charged tat day and Peodic France (xneryyas aarued onto previous die ftdaiy belanoe; and by tan subtracting any creels and paynherls 1W ereappied apird fa beYres of to brerdirh category an today. In calculating Ito dopy IdeI r for fa 4d iy offs biMg period, we consider fa'previra day's batrce" b flare Mss your I7tI for each Wa sr.7m category on to last day of yaw prawns bung priod. l a transaction i pasted in your Account after the dose of de balling period in which arars. we will bed to ireasedion as hav- - ing ommred on l he fret day of the big period in which it is poded b your Account All (sas ore added b to standard pueaee transaction category with to exceptan of Cash Advance Transaction Fee From Chrgasdichsre added b the d eclion allegory and Boleros Trader Transaction Fee Fiances Charges whin are added b fa appicehlebelree WerLder taf6a11011 category. When ? a spend bdo ce In rsh r rate expres, we rasa the unpaid bolrm of l he balance Weasber and to Balance Trader Tmsscfm Fee FiarrrChrges In fa Staderd purchase bersectirn category However. if the spacial rate has been bmiakd order to DataJw Rate Plan, we leave to unpaid Ixlroe d to befwrce Warder and fa Balance, Trander Tras- adion Fee Finance Charges in the appkrabb Vivisection category ull the special role wrntd have expied. FrTDO (Teleca enunicadoms Device for the OmM assistance, please fall 1.1100.347.7441. Discover may mondar andbr record telephone ails between you and Discover representatives for quaky assurance purposes. The DisavW card is issued by Discover Balk. Member FDIC. 01TBK170 DISCOVER It paps to HIGGINS, MARLENE DMOVIEW Account number ending in 8170 Go green. Go paperless. Join the effort to save trees and dean up your mailbox. Just sign up for Paperless Slatements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 372010 Di-, Bank, Member FDIC OV4 a fPRGRN.0910 ---- ---- ---- ---------- ----- Closing Date: September 20, 2008 page 2 of 2 Finance Charge Summary offer for current billing period: Daily Periodic Rate: 0.00521%; corresponding A NNUAL PERCENTAGE Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE NNANCE FINANCE Balances Rates RATES RATES CHARGES t5 current billing period: 31 days Purchases $168.49 0.03011% 1099% V 10.99% $156 30 Cash Advances $2826.01 0.06299% 22.99% F 56.88% $55.17 $95.10 The rates that apply to your Account are either fixed (F) or they may wry M as noted above. Questions? Manage your account at Discover.wm or call 1-800-DISCOVER (1-800-347-2683). New Balance DISCOVER Minimum Payment Due ! Account Number ending in 8170 $1,77.96 $45.00 Enter Amount Enclosed Below Paymend Due Date $ Nova nber 19, 2008 Please make check payoble to Discover Card or pay online ® Discovercord.com_ 20 SDSN6A01 0012890 H I I NS MAR L E N E Go paperless and make your account , information more secure with password- 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Learn more at discovercomlpsperless. PO sox 71084 Illrr.llrrrnrlrHLr?trrlrl CHARLOTTE HC 28272-1084 Address, a-maiior telephone change? Print change in space 1AJ11(r1(4411n(11r1lrr(n(nrrll(1rrn?rr(nnlnr)lrrlrr?n.lr?r,?) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191014779604000000004500 - --- -------- ------ --- - - ----- - ----- Discover More Card Account Summary Closing Date: October 20, 2008 Account number ending in 8170 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available November 19, 2008 $45.00 $15,000.00 $13,522.00 $7,500.00 $6.137.00 page 1 of 2 Previous Balance $3,540.27 Payments And Credits 4,000.00 Purchases + 185.43 Cash Advances + 1,652.99 Balance Transfers + 0.00 Finance Charges + 99.27 New Balance - S1,477-96----- -- - You may be able to ovoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashbock$orrs® Armi ersary Month: June Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbock Bonus(R). Opening Cashback Bonus Balance $ 7 99 New Cashbock Bonus This Period + 0.42 CaAback Bonus Balance S 8.41 How Can We Help You? I Visit Discover com to pay your bill for no coa view ' latest Account information, earn and redeem reword and more it's your choice - 3 wtrys to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy sellservice 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 Dab Payments and Credits Oct 10 Oct 10 PAYMENT THANK YOU $ _4 000.00 Merchandise/Retail Oct 5 Oct 5 WAL-MART SC #1886 MECHANICSBURGPA 13102 Restaurants Oct 7 Oct 7 MCDONALD'S F22804 MECHANICSBUR PA 19.37 Other/Miscelaneous Od-201 Oct 20 PAYMENT PROTECTIOWPPD-1-877-883-1959-- --- 1-3.03--- Gasoline Oct 12 Oct 12 SUNOCO MECHANICSBURGPA 20.01 Cash Advances Oct 10 Oct 10 CASH ADVANCE CHECK #5891 600,00 Oct 10 Oct 10 CASH ADVANCE TRANS FEE FINANCE CHARGE 18.00 Oct 12 Oct 12 GCA• HOLLYWOOD CASINO AT GRANTVIUE PA 1,052.99 8699292 Oct 12 Oct 12 CASH ADVANCE TRANS FEE FINANCE CHARGE 31.59 Information For You Balance Transfer offer(s) For current bllisg period: Daily Periodic Rate: 0.013671%; corresponding ANNUAL PERCENTAGE RATE: 4.99%- Domestic Partners are now covered under your Discover Payment Protection Terms and Conditions. For a complete definition of Domestic Partner, pbose call 1-866892-8683 for more details. Need Cash? Whether it's for an unexpected bill, an emergency car repair or your kids' school activities, Discover(R) Card con always help. Get cash at ATMs nationwide or hove money deposited dire* into your bank account. Visit Discover.com/cash to find out more. Important Infametiom t there is more than are pope to On bring statement. we the bads of each page !err addqund important nWmmtion. p See your fadmem6er Agreement Your Carbnembet Agreemard rmtams d ft femur of your Account Lost or atokn aria. Report imamnh6alely! Ca 1800347-2683. o Bili g Rights Serene ry- In Case d Bros or Ques6cesAboad Yaw Bit: Ifyou think: your bit toweling. or d you need more idonreeon about a tarhser on eayoa N, rase bra on a o° separate shed of paper at Discover, PO Box 30421, Sri Lake City, Ur 84138-0121, as soon as poesble. We rust hear tarn you no later than 60 days star we sod you the tint bill on N which the ermor or poblem appeared. You can telephone us, rid doing so will not preserve your right. In you tatter. give us the fdkwig rJamebn: m m • Your name and Account number The dolor amot" of the suspected our • Describe the error and eglan, d you can, why you believe there is an once. t you need more nionnotion, describe the dam you are unsure afoul -m You do not have to pay any amount in question while we am nvesigeYng. but you are suit obligated b pay the parts d you bill that are not in question. Whsle we investigate your go-V'n we karr,;t repot ;+u as detrqudhl or take shy action to coiled the emorttahn ques6W.- - --- -- -- -----' ----._ • -.. --.°-. _°?- . Special Rule fix Credit Cad Purchases: If you have a prodern welt the %a* of goods or services tad you purchased with a credit card, and you have had in good boto cored the prablern with the meninahL you may not have to pay fe verna m amount due on the goods orservices. You have to protection only when the puchma pioevas mum fun SW and the purchase was made a you how stale or **an 100 miles d your nalig address. (t we own or operate the merdhal* a if wa mailed you the advadsmmt for the goods or services, at purchases we covered regardless of tie amount or location of purchase) Payment. Send only you payment and the lop portion of this stabmera its to envelope provided- Do not send cash. By sending your check as described above. yogauthorize us to use indormabon on your dock to mere an datonic kid taster loom your account at the financial institution indicated on your dnede or b process the payment as a tact transaction- I - dud Yasfw. N payment is processed in an elections; held Wander, the investor wit be for the amorrd on the check When we use whforrnaio n tan your check b nabs an a kids may be witldnwn tam yaw account as sown as the same day we receive yaw paynari, and you wi not races" your check bade tom you Genet institution, The processing of you payment may be delayed d you sad cash, correspondence or other deal with your payment. I you send the payment to arty dher address or Ayou use an envelope other tree fro one provided. Payments recewed in proper form a out processing faddy by 5PM bat time on any day wi be cradled to yourAcaaat as did day Payments received at our processing facility after %M kacat lime will be credited to your Armen as of the nee day: tyoe have nnsplacedyou envelope: send your paplive @cr()ecavar- PO Bur 6107. Card Steam. IL 60197-6103. Please stow 7-10 days for delivery. N your payment is returned unpaid. we reserve the right to resubmt d as an edam wcd" You can pay your minimum payment or a greater smoud over to telephone. and you can set up automatic peyrenls. Cat us at 1-800-347-2683. You will need bin statement and yaw bale amount inkidation. You mat amue OW &Mlio edt rnds are available in you balk account. ad ail transactions must comply with U.S. law. You wi be asked te piondethe first 5 dgts of your account slalemerd zip code. By entering lase nnabers as your elections: signature, you will be agresig b to a t hormseon to allow us and your batik bdedud each payment you altrahae kom your book anwunL and to awtiate debt or credit entries b you bank account as applicable. to coned an anon in to processing of such payment You must fed us to amoud death psynbnt, or you can select an amarn suck as to Mihiam Payment Due or to New Balance on each stetedent You an cecd a psymaK however we must receive room of least free business days in advance of the sc a8ied payment You key notify to by phone at 1-000-347-2683 or by mod at the adbeasiialed in to previous paragraph. t you payments may vary in amount we will tel you on each monthly statement when you payment will be made and how math it will be YarAUOratc payment apart may be less tan indicated on the mcrhdly sbknent based on credits or payments applied ddng the billing cycle. Credit Reporting. We key repot information abed you accord to cxedl bureaus. Late payments. missed payments. a ofm defaults on yam eocauo may benfaded a you do& report ft normally report the silks and payment Belay of your Account b dead mmpatwhg agendas each nhanth. N you believe that our report is inaodraae or ieonpkb. please node us at the fatoxirg address: Discover. PO Box 15316. WNnigbn. DE 1985x5316: Parse induce yar home, address. home Wepho ne numbs and Account number PERIODIC FRANCE CHARGE& Periodic Fiance Charges are inposed on d transactions torn to dab the transaction is posted to you Acaounl u al the dntryou pay your entire New Balance, by making payments or rexwahg.edits. However. t you paid to New Balance on your previous Wig summand by to Payment Due Date shown on that sbbmaL and you pay the New Baface by the Payment Due Doe an your cumin[ bang stakimertL we will not irpose Periodic Foam Charges on new purdases, lib a• Pudtces fist opposing on the cured statement. We nil i is to gace period Otekwise. you wit receive a biting statement nee month tho indudes Periodic Finance Charges on dose new prduw& There a no gate period on balance tamers or cash advances. We sat your aasactio s woo grails of purchases, cash advances. and balance Misters and ten further sal the transactions within each group by their Annual Percentage Rab. For example, purchases skbpd to a Promotional tale and purchases stbjed to a standard rate would be separate groups. We refer to these grails as transaction ramgorirss. At the end of each hating period. we eor pure bohoes and Periodic Finance Charges breach day of the biig period kr each tarsaidion category We here to kotorwng equatiorh to dunpub Perodm: Finance Charges for each transaction category Average Doty Balance x number of days in to filling period x Daly Ponodc Rate. (You may mW to On lance large summary an yaw b" statement fce tress arnounb ) Then we add up to Periodic Finance Charges for each invsedion category to 9d the total Periodic Finance, Charges for your Aocrxelt The Average Day Balance a shown as ono t, because of to gate pa rod, no Pkenodc Frhace Charges apply to to belence in a transaction category We use the Average Deily Balance (including new, transactors) method of alcub leg ft balance upon which we wnpose Periodic Finance Charges. We compute the Avenge Daily -Balance foil each transaction cat egoay by adding lip d the day bdwmsin a brlirg period far a transaction category and dividing to baby the Maribor of days in tie 6?ng cycle. We compute to day balance for each tasakion category on each day by Get adding the bfosahg to the previous days daily balance' transactions made flat dW dies I god iW day and Periodic Fiance Charges accred on the previous dais daily balance; and by than subtracting any ore M ad pay ens Mat are appied agewst the Edam d tletasochon category on that day. In calculating to doily balance for to lent day of the bung period, we coreidw to'previous days belahce' b have been your briars for each ttanse lion category onto last day of your pn+aasbdsg period. go trasectiah is posted to your Aaxard after the dose of the biting period in which it occurs, we wilteat the tenseceah as haw ing occurred on to Gel day of the bring period in which d is posted to your Account At has b d are added b the divided purchase transaction category with do exception of Cain Advance Tro saction Free Finance Charges which are added b the eppice ??jiisaction category and Balance Treader Transaction Fee Finances; Charges which we added to the applicable balance tensor tansemorh category When ? ansfer hale a palm. we move the unpaid belence d the belace tar idr and the Balance Transfer Transaction Fee Finance Charges to the sternda 'purchase a specs l belahce t bensaceon caegory. However. ( to special rate has been lemaaated under to Delalt Roe Plan, we have the unpaid balance of the balance tarsier and to Balance Transfer Tram action Fee Finance, Charges in to eppI II transaction abgay uhd the special fade would have expeed_ For TDD (Telecommkmikatiom Device for the Deal) assistance, please cat 140x347-7449. Discover may mo doh adkr mead telephone cab between you and Discover mpresenlekves for qualy assurance purposes. The Decoverv hard is issued by Discover Be* Member FDIC. OiTBK170 DISCOVER Go green. Go paperless. tt tin m I HtGGINS, Account number ending enE Acccount n /E? ? ding in 8 170 Join the effort to save trees and dean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchont names, locations and zip codes- Go to Discover.com/paperless and sign up for Paperless Statements today. 02010 Disc.- 8-k, M-6m FDIC E46 I R s 1'PK"M081 O ------- ------- - Closing Date: October 20, 2008 page 2 of 2 FUNWharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERaNTAGE PERCENTAGE FRANCE F94MCE Babes RATES RATES CHARGES CHARGES current billing period: 30 dots Purchases S83-03 0.03011% 10.99% V 10.99% $07d s0 Cash Advances $2591.09 0.06299% 22.99% F 45.63% $48.94 $49.59 The rates that apply to your Account are either fixed (F) or they may vary M as rested above. QUeSt1OnS? Manage your account at Discover.com or call 1-800-DISCOVER(1 .800-347-2683). New Balance Mini?Tym-e R Account Number ending in 8170 d B l lo $292.98 $15. DISCOVE e ose w Enter Amount Enc Paymmd Due Data $ December 19, 2008 Please make check payable to Discover Card or pay online @ Discovercard-cam. 20 SDSN8A01 0012891 HIGGINS, MARLENE nformaf'?nwreseccmake your urewwiith? d- 5525 BARBARA DR pprotectedstatementtsonly youcanaccess. MECHANICSBURG PA 17050-7216 Learn more at discoverconVpaperless. PO Box 71084 111rrrllrnr18 1 1 111 rrrlrrln CHARLOTTE: NC 28272-1084 Address, e-mail or telephone change? Print change in space )r r(rilrr)rrr(r((rrri r(r(rrr1111rrrlrrlrr1rr11nr1rrlrrlrlrrl( above, or go to Discover.com. Print your e-mail address b receive important Account information and special offers. 000001986458512395191002929800050000001500 ------------- -- ---------- -------- --- ---------------- -- --- --- Discover More Card Account Summary Closing Dale: November 20, 2008 Account number ending in 8170 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit A•.-ai!ebl` December 19, 2008 $15,00 $15,000.00 $14,707.00 $7,500.00 $7,269.00 Previous Balance $1,477.96 Payments And Credits 5,050.00 Purchases + 2.58 Cash Advances + 3,692.99 Balance Transfers + 0.00 Finance Charges + 169.45 New Balance = 32ii:^s8 You may be able to avoid Periodic Finance Charges, see the reverse side for details. page 1 of 2 Cashba& Banuse Opening Cashback Bonus Balance $ 8.41 New Cashback Bonus This Period + 0.00 Cashbock BonusS Anniversary- Month: June Cashbadc Bonus Balance 8.41 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). - 1 Visit Discover cam to pay your 68 for no cos; view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call "OODISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans, Post Date Date Payments and Credits Nov 16 Nov 16 PAYMENT THANK YOU $ -5,000.00 Nov 16 Nov 16 PAYMENT THANK YOU -50.00 Other/Miscelaneous Nov 20 Nov 20 PAYMENT PROTECTION PPD 1-877-8831959 2.58 Cash Advances Od 29 Oct 29 CASH ADVANCE CHECK #5892 1000.00 _ _ _ Oct 29 Oct 29 CASH ADVANCE TRANS FEE FINANCE CHARGE 30-00 Oct 31 Oct 31 GCA• HOLLYWOOD CASINO AT GRANWILLE PA 2,092.99 Oct 31 Oct 31 CASH ADVANCE TRANS FEE FINANCE CHARGE 62.79 Nov 13 Nov 13 CASH ADVANCE CHECK #0239 600.00 Nov 13 Nov 13 CASH ADVANCE TRANS FEE FINANCE CHARGE 18.00 nformalfion For You Balance Transfer offer(s) for current billing period: Daily Periodic Rate: 0.01367%; corresponding ANNUAL PERCENTAGE RATE: 4.99%. Finish your holiday shopping from home this year Discover Gib Cards come in a variety of designs -many with matching Greeting Cards. Choose any dollar amount from $20 to S500- and shipping is FREE! Good for purchases at millions of locations. Browse and buy at DiscoverGiflCard_com/holiday Ship Free! Discover Gift Cards ship FREE and come in a variety of holiday designs. Choose any dollar amount from $20 to $500 - and PERSONALIZE with a name and greeting. Good for purchases at millions of locations. Browse and buy of ftivnvwr(?i6('.nrrl ?svn/Mtir4?v Important information. It there a mote ban one pope b the billing statement, we the bads of each page ter addihonel important wdomafm. See your Cardrnanber Agreermat Yor Cardmembd Ageenard mrAens a the terra d y"Armmt Lod or stoka cards. Report immediately! Cal 1-800-347--2683. D ° F Mug Rkjft Summary. in Case of Ems or Oueuiiors AbatYour Bit: t you thit your till is wrong, or if you need acre ntamaYm about a I amsacmn on your K ease in as on a separate sheet of papa at Discover, PO Box 30421. Suit Lake City, UT 8413041121, as sown as possible. We nest hear km you no War am 60 days after we sea you the 64bi m oc which the arer or problem appeared. You can telephone us, but doing so w4 not preserve you rights- In Your leper, give to the b1c," edomotien: Your name and Account rumba. The dollar avant of the suspected are Describe the emar and explain, A you can, why you believe Mere is an ermct t you need more etonnetion, describe to item you are owe abode You do not have b pay any amount in Question while we am imesiageUng, but you are sill obligated b pay the parts of your bit that ere not in question While we i vesigeae you ?_'QilEition: We remind report you as deft quay or Was any action k) alai do Special Rule for Credit Card Purchases: It you hewn a problem with On quality of goods or services that you purchased with a credit cad, and you have tied a goad %sh to coned fhe remaining amount due on the goods or seniors. You have On protection arty when the pudose pcewas more than 1i5O a not have b u ma h t h p y y , yo e merc an the problem wain t and the purchase was made in you tans stele or a"100 miles of you mmiing address. (t we own or operate the mandhad ant we misled you the advertisement for the goods or services, all pudmaes we seamed regardless of to amount or location of purchase,) n in the avelope provided. Do not send ash. BY sending you dnecl as described above. you a/+a® us to Paymaub. Sad only you payment and to top portion of tie statement ctions: kind beesr Sum your arrant at to famamciel i stil ution indicated an you dark or to pooass the psymaa as a dhet taus clawL l l e an e e use admiration on your dark to ma It payment is processed as an elections: tend tasfa, the bardsr will be for the amount an the che& W9han we use iuioanstion kua your died b make an siebonic lead aerate, leads may be wddnewn kom your account as soon as to same day we receive you payment, and you will no receive your deck bad km your tnahael nsiedac The isocesseg d you payment maybe delayed M you send cask ourespadaroe or ohm alms with yaw paymha4 t you sad the payment to any other atkleas or ihyou use an rocessing Lady by SPM kxul ore on erry day will be nedied b your Account as dtwlday payments er fern at our d t P p s receive in pap aymen envelope other ton the one provided. received at our processing family after 5PM lord firm will be4edtad to yourAsmunlas of fheneid day t you haveawspsoedyuwr envelope, sad you payment b0ftoover. PO Box- 6103. Card Stream. L 60197-103. Please slow 7-10 days ter delivery. If you payment is retuned unpaid. we reserve to nglt to resubmit A as an eleaorec baba[ You an pay your min mum psymat or a grade amount ova to telephone. and you can set up automatic payments- Cal us at 1800-347421683. You will need On statement and you and at tasactiors must campy with U.S. taw. You will be asked in provide t to id fuirr knots am available in your bat eo eat t th Y , su ou mar rise a bank account nkrmetin, 5 ages of your account statement zip code. By entering two numbers as you electronic signature, you will be agreeing to to atlbrvsbm b slow us ad yarbwt bdeduceadh peyaniit you MMIMLM from you bat account. and b subs debit or as& eneos In your bank eceuhl, as applicable, b coned an error n the pooessvg of such payment- You nest tea in to argent of each payment, or you can select in snout such as the kFrnilam Psyroant Due or the New Balance on each statement You can csa>el a payment, however we ment You may notlly us by phone at 14ty0-347-2683 or by mail at the address hoed a to previous of to sdedcad pa n d i d y a sarce ays ness rust receive nuke at least tree bus payme is may vary in amount, we will Will you an each monthy stuiensnt when you payment will be made and how, main d will be Yo rAutraaic psyme t arruurt paragraph- t your _ may be less don indicated on the monNy statement based on credits or payments WOW 4" to bang cycle. Cn& Reporting. We may report ihrnabon abort your aeeout b credt bureaus. Lacs payments. missed payments. or other defais an you account maybe relented n yam aedt repot We normally repuft to arms and payment hiuiory d yorAccourt to credit repor ig agencies each moiA. It you believe tot our report is inaccurate or nmapleta. please hole us at to blowing address: Discover. PO But 15315. Wtnisgbn. DE 19850M16. Please include you name, address. tame Wephone number and Account rhurber. PERtOpIC FMCANCE CHARGES. Parodic Frvaroe Charges we imposed an a trarsecio s from the des to transaction s posted b your Account hrril doe dote you pry y'w enure New Balance. by malwg per- Of oaivehg cradle. flowerer, h you pad Ise New Buianam you pew.os bang statement by the Poym ert Due Dab stun on dot skelerseK and you pay the New Balance by On Paymat Due Deb an your anent bibmg shisame K we will not repose Penodic Fria ce Charges on new purchases, that is. purchases frost apposing on the arrant statement. We al this to grace period. Otherwise. you will naaeiv a a big ststemord next month that i dudes Periodic Finance Charges an hose row pure heses, There is no gran period on balance transfers or cash advances. We sat your transactions fhb gaups of purchases. ash advances. and balace trend rs and then further sort the uamaerAas **an each group by Mot Amu- Percentage Ras. For Purchases sutjed to a promotional rate and purchases subject to a standard rate would be separate groups. We refer b these gaps as transaction categories. At to and d example . each tiny period, we conpWe belrces and Parodic Finance Charges for each day of the big period far each transaction category We use the k>uowbng equation b emirs Periodic Faance Charges ter each kansecWr category. Avareper Day Balance x number of drp in the filling period x Daily Penodc Ras. (You may m'fa to Me finance charge sumrwy on you birg statement for tease axnouhb.) Then we add W the Paodic France Charges for each transaction category to get to Intel Per m& Few we Chages for your heat. The Average Daly Balance asl owe as coo it, because of to grace period no periodic Fiance Charges apply b the balance in a transaction casgoy- We use five Average Daily Balance (including new trassdoe) method of cal Meting tlo balance upon which we impose Periods Finance Charges. We compete do Average Day 6aiaice to eeclhirarsaq?ac caiegory by adding up all I ne ila Iiiiiances mi ableig paod tea a kansedmn coboor r "&i tog tw hAdby the marlin aidays n the big lide_ We carp to the daily balance for each transaction category m each day by first adding the following lob* previous day's day balance: transaction made Mai deg less I g l the day and Periodic Finance Charges accrued on the previous dsy7s drily balance: and by don subtracting any credits and pay moKS to are applied against the balance of the transaction - ' b have been you balance for each transaction s balance category on that day. In alaising to day belros for the first day of to big period, we bmi I the pevio s day erod It a transaction is posted to your Account after to dose of the lolling period in which t occurs, we will bed the bamactim as hav- revious fallin ur t d d ft l g p p es ay yo alegwy an ing ucaned on to first day of the blip period in which t is posted to your Acco rt. ?yy??rpp g rot are added to to standard purchase iansachm category with to exception of Cash Advance Transaction fee Finance; Charges which are added to the At ttee?? , a ma category and Balance Trades Transaction Fee Fihaoes Charges wh ch are added to the appiahfe balance bansfa trarsacbm category When a sPevui balance trade (ale eavikes. we move to unpaid balace d Ise balance trader and the Balance Trarele Trasauion Fee France Charges to the standard pucthsse trarsaipncabguy However. it the spa i al race has been Ismunaad under to Do" Rate Plan, we leave the unpaid besrha of the talarhce basler and to Balance Tradar Trehs- adi n Fee Fiance Charges a the applicable trasectien category nett the special rate ward haw expired. For TDO (Telecmawu icafbra Davke for the Deaf) assent, please call l4 347-7449. Discover may maetor mxft record telephone cats between you and Discover representatives for quality assurance prposes- The Discover' cad is issued by Discover Be*. Member FDIC. 0118KI7O DISCOVER it pop 10 HIGGINS, MARLENE Account number ending in 8170 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Sblements and you con help save over 70 million pages per year. You'll also be helping yourself to 2A months of password-prolected, statement history, complete with merchant names, locations and zip codes. 1 Go to Discovercornjpaperless and sign up for Paperless Statements today. j '92010 Discover Bank, Member FDIC []#0E1X a 9PRGRN.0810 Closing Date: November 20, 2008 page 2 of 2 Finance Charge Summary 8699292 Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FWANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.02737% 9.99% V 9.99% $O $O Cash Advances $3005.25 0.06299% 22.99% F 55.06% $58.66 $110-79 previous billing period: 30 days Purchases $O 0.03011% 10.99% V 10.99% $0 none The rates that apply b your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.corn or call 1-800-DISCOVER (1 -800-347-2683). New Balance Minimum Payment Due Account Number ending in 8170 DISCOVER $2,235.23 $45.00 Enter Amount Enclosed Below Payment Due Date $ -? January 19, 2009 Please make check payable to Discover Card or pay online Q Discovercord.com. 20 SDSN6A01 0012892 HIGGINS, MARLENE Go Paperless infornurtion more?urewwyour i?thpa? sswnotrd 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Learn more atdiscovercomtpapedess. PO BOX 71084 llln,llnn,l.llln,lulrl CHARLOTTE NC 28272-1084 ddrsss,gmailortelephone chonge?Print change inspace ifa)til,Iia.oili1Till Till 11jJ1111„,1„i„ III Nil i?r1??1?1??11 anove. jr go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191022352300050000004500 Discover More Card Account Summary Closing Date: December 20, 2008 page l oF2 Account number ending in 8170 Previous Balance $292.98 Payment Due Date January 19, 2009 Payments And Credits 50.00 Minimum Payment Due $45.00 Purchases + 1,355.47 Credit limit $15,000.00 Cash Advances + 600.00 Credit Available $12,764.00 Balance Transfers + 0.00 Cash Credit Limit $7,500.00 Finance Charges + 36.78 Cash Credit.Available 16,669.00 New Ralance S2 ? 15.23 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshbock Bonus Balance $ 8.41 New Cashbock Bonus This Period + 4.25 Cashback Bonus Balance $ 12.66 Cnshbockaonuse Since Anwersary7V{onllr June: $6.45 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Hel You? I Visit Discaver com to pay your 60 for no cost view r P low Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8004DISCOVER {347-2683) for bast, easy self-service Pleose 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, Sat Lake City, UT 84130 Transactions $0 Frain Liability Guarantee Use your Discover Card with confidence. Des. D Payments and Credits Dec 8 Dec 8 PAYMENT THANK YOU $ -50.00 Merchandise/Retail Dec 5 Dec 5 WALMART SC #1886 MECHANICSBURGPA 142.97 Dec 10 Dec 10 CIRCUIT CITY SS #3720 MECHANICSBURGPA 1,070.16 Restaurants Dec 8 Dec 8 PIZZA HUT #84430115835 MECHANICSBURG_PA _ 36.20 Other/Miscellaneous Dec 20 Dec 20 PAYMENT PROTECTION PPD 1-877-8811959 19.71 _ Gasoline Nov 25 Nov 25 SUNOCO MECHANK:SBURGPA 18-15 Cash Advances Nov 28 Nov 28 CASH ADVANCE CHECK #0242 600.00 Nov 28 Nov 28 CASH ADVANCE TRANS FEE FINANCE CHARGE 18.00 ft 2 Nov 25 Nov 25 WEIS MARKETS #58 MECHANICSBUR PA 6928 Information For You Earn 5% Coshbock Bonus(R) at Circuit City when you make your purchases online through ShopDiscover and use your Discover(R) Cordl Earn 5% to 20% Cashbock Bonus every day when you shop at over 100 top online retailers through ShopDiscover. Just visit Discover.com/shop to start earning extra rewards todayl Impwbm lnfarmation. It there is more then am page to Ifis billing stationed. see the bark of each page la additional mWorlnq iibmelion. See your Cardmember Agreement Your CodmemberAgreement nor items all the lamas of your Amount. LW w stolen cants. Report arr edieW Cal IM0., 17-2663. ° Butiirg Rigltb Summary. ImCase d 6rom or QuesionsAbnl Yam Bi K you thak your bill at wrong, or I you mad move information about a trrerlononyx r bi, wile b us an a o0 separate shoetof paper at Discover, PO Boa 30421, Sat LA* City, UT 84130-0421, as soon as Possible. We must heslrom you no later ten 60 days after we am you the list bill on ro which the enor or problem appeared. You can telephone us. bid doing so will not preserve your rights. In your blew, give us the lotoawg idrnmefon: Year name and Account nunber • The dollar amount of to suspected error v Describe the error and explain, i you can, why you believe Here is an rra. I you need more information. describe to item you are mom about. You do not to" to pay any amcurt in question while we are inveshping, but you are still obligaled to pay the parts of your bill that we not in question While we imesitgaes your -------"y-hen, viii CL.NicilrecchN3&adir'ue wlama.eanyaclmbooledtoamouM;augq--ti-stro. Spedd tide for Cm& Card Purdmn: I you have a prabkm with the quaky of goodsor services that you purdhwed with a aedil card. and you have triad n good ladh b owned the probl n wide the mherchent you may not have b pay the vemsrg enure due on the goods or services. You have the pmtemon only when the pucl®e pace, was mom tAan M and the purchase was made n yam home slate or wdi m 100 Mies of your mailing address. (I we own or operate to marten or f we mated you the advertisement for to goods or services. all purchases are covered regardless of to amount or location of purchase.) Payments. Send cr* your parent art the top portion of the stdrnert in the envelope pmvibd. Do not send cash By sending you deck as described above. you autmorme us to use information on your check to flake an electronic fund transfer tun yam eaaut at the frlercid irs6YAon indicated on yam deck or In process to permit as a hack transaction. N psyrrert is processed as rh alx4aic fund Inarafa to trrabr will be for the moat on the check. When we use nlamatlan from you deck to make an electmi herd ranter, finds ins t, be wth6asn from you award as soon as to same day we receive, your payment, and yauwil rot receive you check beck hors your financial indamm. The processing of you pared may beddayed if you send cash, conespo dense or other isms with yam payment, f you nerd to peyarent to any atmr address or f you use an envelope other Iedh the one provided. Firtments received in g form all our processang facility 5PM bdbd rhrewit be iyeddad tryoarAam delfts dbydayNyaohavemnh any day will be cradiled to ruff Account as of Bid day d7ou ernelopr srhd yar?ynsrrt ts to-D=wrer PO EIcW 6103, Carol afar Steam, IL 6D1ears, IL 6097facftyb103. Please slow 7-10 days for delivery. IF your parent is returned unpaid. we reserve the right in resubmit it as an elacku is debit 6103, You can pay you mirmm payment or a geela amount over to telepthao, and you can sel up auorrotrc payments, Cal us al 1-800,347-2W . You wall read Ows statement and you bank account i lormatio n. You must aura that sufficed: funds are available in your brit account and all transactions rand oonpy wily U.S. law You will be asked b provide to kid 5 dgis of your account swernrt zip code. By string those numbers as your electronic: signature, you will be ag sting to to auMw¢tarh to stow he and yam bank In de lud each payment you authorize bon your bark aavunt and to iiiale debt at credit entries b you bark account as appl cable. to rated an error a to processing of such paymerd You rx51 W us the rroW of each pares t, or you can select an smart such as to klwnm Parent Due or the New Balance an each statement You can tencd a payment however we must receive noise at least tree business days in advance of the scheduled paymet You mall notify as by phi of 1400.347-2683 at by mod at the address fated in the previous paragraph. tram payments any wry in amount, we vel Bel you an each mond* statement *ban n your payment wi be made end how much it will be. Yam Automatic psyaret smart may be less ten idcelad on to mmn#4 statement based an aedns at payments appied to billing cycle. Craft Reporting. We may report information about yam amount to oreffr bureaus. loo pertains, missed pe rats, or other delrb on yaracoaut any be reflected in your a" report We ncma r report the steles and parted, lister d your Account In crack reporting agencies each.. atll. 9 you believe tot arm report is recouale or nmmplebt please wale us at the folomng address. Damper. PO Bw 15316, Wilmington. DE 198505316. Please include you rune. address, home blephone number and Amount madmir PERIODIC FRANCE CHARGES. Periodic Fuck Charges are imposed on all to sadions from do dels the transaction is posted In yaw Account tali tw date you pay your snare New Balance. blasting payments or receiving credits. However, dyou paid to New Bdrre on Your previous biig ststerrer - by M Paynad Due Data shown on tot atelemrn, and you pay to New Balance by to Perot Due Data on your 6nrn big statement we will rot impose Petiodhc Fvhrhae Charges an raw purchases, IM a, protases first spearing on the anart steered. We ail that the grace period Otherwise, You will receie a billing slaiemrd text month that includes Sonadnc France Charges on those new purchases. There is no grace period on balance tramcars or cash advances- We sal your trrsectios into groups of pudieses, cash advances. and balance koshers and tan linter sod to bensedi insirw bin each qoW by tar Annual Pewenlep Hate. for example, purchases Abed be prornotca rah art puctrases nkpd b s standard rab woWd be 5eprab stoups. We ddr?.bh..t.o.?ss g m" aslaw calegones. At to end of each telling period, we compute beleorss and Perede Finance Charges for each day of to billing period for each I a sacion ""A. We rear to fallowing equeom to compute Periodic Finance Charges for each aransecaan ratsgvoy: Average Daily Balance s number of days in the billing penod x Daily PenodhcHele. (You may rata to the fnrrt charge summary on yon burg sbbmal for tame amounts.) Then we add up the Paio6c Finance Charges for each YrsaA,,,.,Ohn category to get to told Periodic: FimrceChrges for yam A«xmnt. The Average Datyr BaWm astern aszero i. bom of rya grace period, rho Periods Fmw= Chwges apoy b to bdrre m m arvsecem allegory. We use the Ave Dane Bra110e (ndndirggnew t ant ec" method d calaiedhp the belamkca upon which we i pic ie dividing Faimm Charges We compute the Average Daily Balance for each transaaoh category by W as to daily balances in a billing period for a transaction allegory and diviydi g to bi al by du amber of days in to bing icyde. we oaapas to daily brace for each arsaatrm category an aedh day by first adding ova following b to previous days deny balance: rrnaclo s mock that aayr fear charged tat my and Periodic Faience Charges accued onto pnawiaa dr/s daffy bdrhm; and by tan subtracting arty melds and payments tat areappied again to beMaos d to barsaciah coegary m $W day n cab Loo" to daily belrce far d* feat doy d the bd" period, we resider t e-previous day's brace- b have been your balance for each transaction category an the last day of you previous big pact, t a transectic n is posted to you Amount alter to close of die billing period in which it occurs, we will treat the transaction as hav- ing awned on the fist day d to billing period in which it a ponied In yaw Account. At tees dwged to your Account are added b to standard purchase trersedan category with the exception of Cash Advance Transaction Fee Finance Charges Modh are added to the Yaraactan cregomy When pio - - - - - actin calegay and Balance Inviter Transaction Fee Fnarces Charges which are added b far appinble belace hasher ono l llilft8l ry exyints, we nave to unpaid' I, ce of to brace Msfr rd the Balance Transfer Transaction Fee France Charges b to standard proles; trasafoncebgary. llmvever, it the spear nb has been tormented under the DebWh Rate Plan, we leave the unpaid balance dthe balance b7Y6br andtfo Balance Transfer Traris- actim Fee Fawme C arges in to appf®hle barsadcn eobgory udh le specW rate world have expi W- For TOO (yeiecommunicadom Device for the Dec) m aktarce, please call 11410111-347-7449- Discover may monitor andlor record telephone cats between you and Damper representatives kx quality assurance Purposes. The Discover# card is issued by Discover Bark, Member FDIC. OITBK170 DISCOVER ft pays so HIGGINS,MARLENE DMOfEW Account number ending in 8170 Go green. Go paperless. Join the effort to save trees and dean up your mailbox. Just sign up for Paperless Statements and you con help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement R history, complete with merchant names, locations and zip codes. Go to Discover.com/paperless and sign up for Paperless Statements today. I -t:jZO )O Di-- sank, M-i- FDIC F"GRr4.08I0 - --------- --------------- -------- - Cbsing Date: December 20, 2008 page 2 of 2 Save money on your auto insurance. Get a great value and competitive quotes from multiple respected auto insurers through the Discover(R) Insurance Center. While you're there, explore the Knowledge Builder to read what experts say about 0,7 ,r : •: r;* , s;urance questtoil3: Simply g--if 3o f"iiY?6?orcwdxomlauto today. Finance Charge Summary 8599292 Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FWANcE FRJANCE Balmrces Rates RATES _ RATES CHARGES CHARGES current biling period: 30 days Purchases $562.12 0-02737% 9.99% V 9.99% $4.61 $O Cash Advances $749.52 0.06299% 22.99% F 51.50% $14.17 $18.00 previous billing period: 31 days Purchases $0 0.02737% 9.99% V 9.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.corn or call 1-SOG-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due $5,393.59 $107.00 Account Number ending in 8170 Ender Amount Enclosed Below Payment Due Date $ -1 February 19, 2009 Please make check payable to Discover Card or pay online @ Discovercord.com. 20 SDSN6A01 0012893 H I GG I N S , MARL ENE Go papation more secure erkss and maitre y wit h account inforrrxh password- 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Learn more at discovercoMpaperless. PO BOX 71084 111 11111 141.4 1 1111111 Is oil CHARLOTTE NC 28272-1084 Address, amad or ielephone change? Print change in space 1ri?r11nr1 ??)x11ur,??+i??nr?111ur1ntik1??11r?1??( j above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191053935900050000010700 --------------- ---------- - ----------- - -- ------ ---------- -------- Discover More Card Account Summary Closing Date: January 20, 2009 Account number ending in 8170 Payment Due Date February 19, 2009 Minimum Payment Due $107.00 Credit Limit $15,000.00 Credit Available $9,606.00 Cash Credit limit $7,500.00 Cash Credit Available $3,769.00 page 1 of 2 Previous Balance $2,235.23 Payments And credits 50.00 Purchases + 172.73 Cash Advances + 2,900.00 Balance Transfers + 0.00 Finance Charges + 135.63 New Balance $5,393.54 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CctAhback BonuSe Opening C sshbock Bonus Balance $ 12.66 New Cashbock Bonus This Period + 0.62 Cashbock 8onu&S Since. Anniversary lvbnth- June; $7.07 Cashback Bonus Balance $ 13.28 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Discovercorn to pay ccount nn6ri notiionearn abill for no st ur How Can We Help You? 1 I natest A nd redeem newt s and more It's your choice - 3 ways to help 2. Call 1-800DISCOVER (347-2683) far fast, easy 3911-3ervice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 84130 `Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Past Date Date Payments and Credits Jan 1 1 Jon 11 PAYMENT THANK YOU $ -50.00 Merchandise/Retail Dec 20 Dec 21 RITE AID MECHANICSBURGPA 23.53 Restaurants Jon 16 Jan 16 RED LOBSTER MECHANICSBURGPA 59.05 0drer/Mi&;o1anewrs- - -Jaa20-- -Jon.20- PAYMENT-PROTECTION-PPD-1-877-883-1959- -47.57 Cash Advances Jan 5 Jan 5 CASH ADVANCE CHECK #5920 1,000.00 Jan 5 Jon 5 CASH ADVANCE TRANS FEE FINANCE CHARGE 30.00 Jan 13 Jon 13 CASH ADVANCE CHECK #5893 1,900.00 Jan 13 Jan 13 CASH ADVANCE TRANS FEE FINANCE CHARGE 57.00 5umodcetc Dec 30 Dec 30 KARNS QUALITY FOOD SNQ MECHANICSBURGPA 42.58 Information For You Discover Gift Cards make the perfed gift for birthdays, weddings, baby showers and more. They can be used at millions of locations. Make it special by picking a design and personalizing with a name and greeting. Best port-they, ship FREEI Or e-mail a Discover eGih Card to make sure it gets there on time. Buy at DiscoverGihCard.com/occasion Volon ine's Day is just around" comer Find the parted gift online and earn extra rewords through ShopDiscover- Earn 5% to 20% Cashbock BonusIR) at over 100 top online retailers like Blue Nile, Godiva, and FTD.com when you link through Discover.com/shop today! ImPOFtud bsamatiun. It here is more 111411 one pope b do billing stalema t, see the bear d each page for add6mW irrportent ah(amaion. See your Crdmember Agreement You Cardmerrba Agreement comer all die terms d Your Acmurk r ce z m Lost or stollen cards. Report mtedalely! Call 1800.347-2683. o Ming Righlis Sum awY In Case of bras or Questions About Yaw 89 if you &A yam ba is wrong, or f you need more ffdameian about a taraecicn m yea hit raise b w on a separab sheet d paper at Disoover, PO Box 30421. Sell Labe Cry, U7 84130D421, ss soon a poeebla. Ws meet hear from you roller hn 60 days atawe sent yon to iratbdl m o N which the army or problem appeared. You con kephore to, bat doing so rill not preserve you rights. In yam IeHler, give us to following idonrnaion: Your name and Account mmiber The door amciu t d the adapeded army Describe to error end explain, i you mm, why you believe Ihere is an error. t you reed more inlormaiam. desabe 9ma ion you ore issue about You do nol heve to pay army amount in question whim we are innesligMig, but you are still obligated to pay de pas of your bill ha we ma in question. While we sweslpels you question. we carutot report you as dskmquenl or take any anion to culled pee amut you question. -- Spedel Rule far Credit Card Pumhases: t you hove a problem with to graMy of goods or services fiat you purchased w+n a ands rand. and you tow hied ngood tech b caned the problem wtlm tre merchant, you may no( Lave to pay the remaswg arnam due an to goods or services. You have On prulection only rhea he pudmme pace was more than f50 and the purchase was made in your hone stele or witch 100 miles of your mating address. (t we own or operah he madam, or iwe mailed you to advertsemot for the goods or services, all puschases we covered regerdess of the amount or locakon of purchase.) Payment. Send orgy your payment aid to by portion d to statement in the a velope provided. Do not send mW By sendrmp your dads as describe t above. you auvromw us b use irfamaion on yaw deck to mace an ebc4anio ird taslar from your accent at in uncial ansMul err indicated m you dads or b process to psymort as a dnadu traduacion. t psynert is processed as an ekebaric fund ra sfer, On tauter wiibs for the grout an he check When vrs use 0 Am. Mica tom your deck to make an elerirorn fud basher, finds may be vatdrawwn tom your account as soon as ha same day we receive your payment, and you will not receive your deck bads tom your financial iufian The processirg of your payeert may be delayed Iyou aend cadet, mmapwderm or other tans with your peywaK t you said the psyner# b any other addiess or t you use an envelope other tan to one provided. Payrnnerss received in props arm at our processrg iorcty by 5PU bat time on arty dap wit be rxadeed to your Account as of sal dry Payrnwss receivedat mz Processing IK3kyaler FPM lost kwwd be added b yo rAemu tas dfie reed day If you have nmaptscedyos ansbpe. send yawj7ayawt b9samer PCT Bar 6103. Carol Stream. IL 601978103. Please allow 7-10 days for delivery. I your psymeri is returned unpaid. we reserve he right to ssrbrnil i as an electronic debit You con pay you ffwwmnn peymem or a greater arena over the telephone, and you con sat up aubmsic peymentL Cat us at I-BaW-2663. You a7 road the statement and yam bats account idamnam. Y o u resat ensure tat sdident turfs a s avoid* in your bads s c o w K and a l l asatiora must comply van U.S. law- You will be &*ad b provide to fist 5 digits dyer acco rt statement zip coda. By entering two ambers as your electaac sig acre, you wi be agreeing b hs miorm0ar to slow us and you hawk b deducteach payment you authorize from your beds amount and b iobsie debt or eredil entries, b yaw bank amount as applicable. to erred an asor in the pmcessig of such psyet You mat tell us he smart of each payment. or you con selad an amou l such as to Minimum Payment Due or to New Balance on, each smAemert You con rerun a prymot however we Rat receive notice at bast tree brsimss days n adva ce d the uched leci psymat You may noily us by phone at 14"7-2663 orby mail at to sddisas listed in to previous paragraph. If your payments may vary in amount, we wi tai you meadu mashy stalenent when your paymas wilbe made and how much twill be. Yb rAdionoic peymert amart may be less hat aldtraled an he montiy steleernem( based err credits or payments applied A" the billing cycle. Crack Reporting. We may repod i iormalion abort yaw aemad b aedl bureaus. Lab payeerds, rriuad peywaror, a dhadefata an your adoourt may be selected in yaw oredt report. We romrsly report to stns and pays" to" of yo rAdmut to credit reps I agencies; each mark. I you I I , that our report a nsocu vale or amrrylab, please wile us at to biDwwV address: D6omw. PO Box 15316. Winw0%. DE 198505316. Pfesse include you mare. address. hero felepla comber endArxoumtn tuber. PEROM Fk1ANCE CHARGES Periodic Fiance Charges are reposed on all transecbms kart the dab he busadm s posted b yoaAmourt utt tha doe you pay your woo New Balance, by making payments or mcewaV craft. fbwever. d you pod he New Betarhce on your previrxs billing stalarrws by to Payment Due Dab shorn as that statement ad you pay the New Balance by to Paynwt Due Dakm your arms billing stalanert we will nor impose Psnodic Fberme Charges on new pradeoes, two is. purchases fist appearing on do cvrrad statement We cell his to grace period. Otherwise. you will receive a bump slelmwd mad month that ickhdes Periodic Fiance Charges an hose ram, purchases. There is no grace period on balance trawlers at rash advances. We sort you transactions imb groups of purchases, cash edvahoes, and balarm tneranzs aid ten further say to transactions, whin each group by tai Aced Percentage Rals. For exanple. purchases subject to a pnmoliona rage ad purchases subied to a sterdad rate woad be separate progs_ We refer to heae prays as trrvedion categories. At the and of each billing period. we marque belarmoes and Periodic Fawhre Charges for each day d the bung period for each transaction calegay. We use to followig equationb eampvtr Periodic Frorm Charges far each tarsaction category Average Daily Baahu x mxrtw of days in he bang paned x Dory Peiiodc Rork. (You may sir b on finance charge suamwy on your billing statement for these amounts) Than we add cy to Perodc Finance Charges for each tansxLon category bgal do Ida Panxtc Francis Charges b r your Acmes. The Average Daily Balance a shown as zoo d, because of to grace period, no Periodic Fiushce Charges apply to Ow balance in a transaction category. We use to Average Daily Balance (including new tarsectioe) mehod of calnsaig Ow balance upon which we impose Periodic Finance Charges. We corrhptte thrAverage Daily Satan a foil each Iransed on relegory by adding up al to aa7ry tiaianois n abiig paned bra namsacAm ceWgoiy aid 6vifig /ire tobT 6ylie ihunber of day s o She Si6y aide. We ampule the daily balance Ida each transaction alegocy m each day by ist adding to bkm b fro previous day's defy belarhce transactions rode to dog lees dmaged fat day and Pbiodic Frwnrw Chagos awned onha pwors days dWybdam: and by tan ahka*q any ore I and poysnera that ors applied ageing to Ealarhda of hs tansatim category an that dale la calaiahg to daily heleres b go mat day of to biting period. we msikks the -previaa day's belafce ? b love bee yor blame for each traasaiden aregay on to leg day d yaw previous billing period. t a taasmdn is prated b yourAooou t alter the dose of the billing period in which it scars, we wi Neatto rarsseriarh as hav- ing occurred on the AN day d he big period in which it s ponied to your Acownt. AN fees cheir b Aomust are added b rep standard purchase trereactim category win to excepion d Cash Advace Tra sacbm Fee Fnenos Charges winch are added to the appli ?arnsskien category, a and Baerce Traafa Transaction Fee Finances Charges which are added to to applicable balance handw iansac- category When a spax ter rat expics. we rmre the unpaid bderoe of to balance rarskr ad the Balance Tra slag Trausim Fee Finance Charges to to slsndad purchase transaction aygory However, t the special rate has been l rm wled umda the Default Rob Plan, we ban die unpaid balance of to balance trash arid to Balance Tratsier Trans, edion Fee Fnace Cwges n dre aI I I Ic transaction category Ind to special rate ward have expaed. For TDD (ideconrmmirabors Device for the Oeat) -is-, phase cal 1800.347-7449. Onoover may morwo, adbr remd laeptwe calk beyween you and Dsceva representaives fix qu*y assurance proposes. The D6mver* art) is -.wad by Discover Barhk. Member FDIC. OITBK170 DISCOVER It pays to HIGGINS, MARLENE Account number ending in 8170 DMOVER Go green. Go paperless. bin the effort to save trees and dean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. I You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up For Paperless Statements today. ,02010 Jiscwer Bank, Member F04C aV4 a FvRGRN.0810 i Closing Date: January 20, 2009 page 2 of 2 Afi& Wkharge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES Cf ARGES CHARGES current billing period: 31 days Purchases $1412-54 0.02532% 9.24% V 9.24% $11.08 $0 Cash Advances $1923.75 0.06299% 22.99% F 51.53% $37.55 $87.00 The rates that apply to your Account are either fixed fF1 or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1.800-347-2683. New Balance Minimum Payment Due ! Account Number ending in 8170 DISCOVER $6,895.17 $136.00 Enter Amount Enclosed Below Payment Due Date $ r? March 19, 2009 Please make check payable to Discover Card or pay online @ Discovercard.com. 20 SDSNBAOI 0012894 Go paperless and make your accaslt HIGGINS, MARLENE information more secure with password- 5525 BARBARA DR pprrotected statements only you can access, MECHANICSBURG PA 17050-7216 Learn more at discover..cadpraperless. PO BOX 71084 1111sell ,rhnls111rh,111111 CHARLOTTE NC ]28272-1084 Address, small or telephcne changed Print change in space 11#1411101111 11 11h1111111111111111h11Or 11h11111h1In111111nI'll above, or go to Discover com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191068951700000000013600 - ------- -- - -- ----- -------- --- - --- Discover More Card Account Summary Closing Date: February 20, 2009 page 1 of 2 Account number ending in 8170 Previous Balance $5,393.59 Payment Due Date March 19 2009 Payments And Credits 107.00 Minimum Paymeri Due $136.00 Purchases + 186.82 Credit Limit $15,000.00 Cash Advances + 1,274.98 Credit Available $8,104.00 Balance Transfers + 0.00 Cash Credit Limit $7,500.00 Fieheece Charges + 146.78 Cash Credit Available $2,494.00 New Balance $6,895.17 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback 8onuse Opening Coshbock Bonus Balance $ 13.28 New Cashback Bonus This Period + 0.63 Cashback Bonus Balance S 13.91 CashbockSoru sO Since-Anniversary-Monk June: $7.70 1 Visit Discavwxcm to pay your bill for ear cost, view your 'How Can We Help You? latest Account information, earn and redeem rewords and more It's your choice - 3 ways to help 2. Coll 1-800DISCOVER (347-2683) for fast, easyselFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sob lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data Payments and Credits Feb 17 Feb 17 PHONE PAYMENT THANK YOU $ 107.00 Oder/Miscellerswrs Feb 20 Feb 20 PAYMENT PROTECTION PPD 1-877-883-1959 60.82 Services Jon 22 Jan 22 JOECORBISWH 4105258331 MD 126.00 Cosh Advances Jon 22 Jan 22 GCA* HOLLYWOOD CASINO AT GRANTVILIE PA 739.99 Jon 22 Jan 22 CASH ADVANCE TRANS FEE FINANCE CHARGE 2220 Feb 8 Feb 8 GCA* HOLLYWOOD CASINO AT GRANTVRLE PA 534.99 Feb 8 Feb 8 CASH ADVANCE TRANS FEE FINANCE CHARGE 16.05 NO Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE F94ANCE Balances Rates _ RATES RATES CHARGES CINARGES current billing period: 31 days Purchases $1608.14 0.02532% 924% V 9.24% $12.61 $0 Cash Advances $4913.09 0.06299% 22.99% F 32.76% $95.92 $38.25 The rates that apply to your Account are either fixed (F) or they may vary (1h as noted above. Income Gap Pr~ion gives you cash when you need it most - when your income is intenupbd by nwolt-lary unemployment, disability or family leave of absence. Loam how Income Gap Protection can help you. Cal us today at 1-800-240.1009. Important Information. H these is more than one page to On bilM slaternent see the bads of each page for additional noportart irdamd on. y See roar Cadnhanber Agreerwnt Yar Cardnnartber Agreement contains al the terms of you Amart rn Lost of stake cards. Report innsdia"! Cal 1-00-347-2683. D Billing Rights Summary. In Case of Enos of Questions About You Bit: l you lank you bt is wag. or 1 you need awe ir>irnnaYon about a' arnsad"on OR yon biz, wrie b us an e separate sheet of paper at Discover. PO Bos 3042). Sett Lake City, UT 841304421, as soon as possible. V& must tree loom you no Idler fa m 60 days ewer we sad you the ird bill an whiff the am or prahiean appeared. You can telephone us, but doing so nil not preserve your rghas. In your letter, give as the following lido ombon: • Your new and Account aunber The dollar amount of the suspected error Describe the error and ep4n, of you can, why you believe tore is an errs. H you need more nlomekon. describe the itern you are unsure about. You do not have to pry any avouu in greslom while we are irmreslgdng. but you we sM obligated No pay the pens of your boll fret are not in Wesbon VAnteve iwesfgsle you - question, we cannot report you as delquerd or take any action to soled the arrant you-question: - - - - - - - - Spedd Rule W Credit Cad Puccos": If you have a problem with to quality of goods or services that you purchased with a aede card, end you have lied in good filth to owed the prodnn with the mercnenl, you may rd have to pay to rerrmou g amount due on do goods or services- You have On Mahodion ally, when to purchase pica was awe tan $W and to purchase was made in you have state or within 100 notes of you mailing address. !t we own or operate to merchantt or e we mailed you On aevulammod for the goads or services, al purchases are mvead regardless of the amount or location of purchase.) Paymerds. Send only you paymmt and the tap portion of this staternenl in to envelope provided. Do not sand ass h. By sr ng you cedk as described above. you au aim us to use ill rmeionn on your deck b make an elerdraoric lord traoster lam you acco nl at to li snciei rsmulkin ihdraled on you deck a b process tw ps m os a deck bwmcbcn H payment is processed as an electronic fund serialist, the treater will be for the ernanl on the cheek When we use in onam ban you deck to rrobsre4drothic tad trasfer, funds may be withdrawn from your account as soon as the same day we reomwe you payment and you will not receive you deck back from your 4encod ornshbow The processing of your payrrord may be delayed if you send cash. correspondence or other isms with you payment, t you said to psylbae b any atner adder or if you use an envelope other ten the one provided. Payments recomed in proper form at ore processing 4dmy by 5PM local lime m any day will be credited to yauAomue as dthdday. Payments received at our processing teddy alter 5PM toad darewit bemoeditd tvpw Aornan as of t mean day t you have wasptaaudymx envelops: send your payrrret b-D waver PO Baer 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery H you payment is returned unpaid. we reserve to right to resubmit it as an electunc debt You an pay your mention pervert or a greater anon over the 4fephone. and We can set up aulonneic psyrrenb. Cal us at 1-0 43 47-26M. You will need this slalsrert and you bank account i honeioa You ms1 ensue that suliaad hods ere most" a you berth acmrnt and all tansKbons must mmpfy with U.S. taw. You will be a" to provide to fast 5 digits of your ac one slderuent zap code. By entering pose ambers as your eisctronc sgabo, you will be agreeing to lin effio¢nion to allow us and your bstk to dedmt each payment you a those from your tank acmunt and to inside debt or oedl entries to you berate sxauat as appkrade, to amt an error in fha poaessigd such peynaml. You mast tell us to anaue of each papnent. or you can select an annul such as In ldirnm Payment Due or the, New Balance on each statement You an kernel a payment however we rtrnt receive notice d test tree business days in advance at the scheduled psymhent Yau may ropy us by plane at 1A00-347-2683 or by net at the address lied on to previaa paragraph. H your tarrrerva may *"in anourk we will lei you on each nwadtyy stalemdt when you payment will be made and how inch it will be. YarAulornwc peymot erraout may be less Vasa indicated on the naniYy siateneN based on credits or payments applied during the billing cycle. Credit Reporting. We may report i loom boon abort your amount b credt buress Late psymenk, missed phhpnads, or otherdefeuli an yaw acmtst may beretecled m yourcredit repot[ We namely repot tw sbks and peyrrod hslay d you Amara b ao* se b agencies each monk t you believe dud or report a inammim ormoomplem, please write us d the blowing address: Discover. PO Bolo 15316. Wtrninglon. DE 19&545316. Please ineude you raw, addrasa. harm Wephoro msnber and Acco rt nu bee PERIODIC FINANCE CHARGES. Penodc Farm= Charges am imposed on d tassnos tan the date the traeacbm is posted to your Account until to dde you pay you share New Balance. by making ieyrrents or receiving crsdts. However . d you paid the Naw Balance on your previous bollhg shoamst by tar Papoose Due Dais shosma an that doernert. end you pay the New Balance by the Payment Due Dale an your current billing stalernent we will not inpose Penode Fiance Charges m new purchss. M at, purchases first appemsg on the current statement. We cal the le grace period. Otherwise, you will room" a bilag statement next manh OW mdudes Periodic Fn1 - Chagas on pose new purcses Thee is no grace period on balance Warrishors; or cash advances we son you transactions onto grohrps of "does". ash adorer s. and balance tasters and than hrtrer son toe traosactiors vrilhin each ?ate by toorAnrual Penoeroo Rile. For example, purchases subject b a prmaiaad rate and purchases sobjed to a standard rate would be separate groups. We refer to toss groups as transaction csbgois. At be end of each Mart period, "am" belerhces ad Peiodic Finance Charges for each day of to IoMM period breach transaction category We use pre 4lawn equeion b mmpule Periodic Freaa Charges for each transaction category. Average Daily Belerae x nunber d days in le big period x Deily Periodic Raft- (You may air to the inhere serge suuxnry on your billing sfa4rnert ter lose anhau is.) Then we add up to Periodic Fnaace Charges ter each transaction category to gel to taml Parodic Finance Charges for you Account. TheAverege, Daly Bloke s dawn as zero it. because, off* grace period, no Periodic Fiona Chi rges apply b the beI in a transaction category. We use the average Oily Balance (^ckslig new tarsectiam) meted of calculating the, balance upon which we xrhpose Periodic France Chagas. We omlarle On Average Daly Balance full eeclh tansenan category by adding up all to dewy balances in a billing peiod be a Vansamon category and dividing to Why the sanber ddays in to biting qae. rte mnpose the daily balance ter each Vansadnn alegay on each dry by fist adding the Wowing to to previous day's deity belence. trsssraos made M dry, fees charged M day and Periode Frahm Charges awned m to previous dayrsdeey beta as; and by lw r subtracting any coedits and pspnernta M ere applied agsirw Iha lr I all to Monasticism category an to day its alaolaftag in daily, bdsraa br the firs day of to big period. we consider th s'prems drys bela oe' b have been your bell arv for each lsneacion category an the last day of your paramours in" period- t e beracion s pasted to you Account altar the dose of to big period in which it occurs we witeatt the transaction as hav- ing occurred an the list day of to big period in which it is passed to your Accourt Al fes to Amount we added to to standard purchase transaction category with Be eroepioo of Cash Adam Traeechrn Fee Fiance thanes which we added to the category and Belerre Translar Trasectim Fee Formica Charges vdidh we added b the appiable lelarm ltdhaI lisomm colon category When a - balance . ea{res, we crave the unpaid balshoe of the balance trarsfer and the Balance Transfer Timsecion Fee Finance Charges to the stsdard purchase transaction category However. of the special ram has been Wrrrommad under On Detalt Rai Plam we Wave the unpaid balance of the barroom barrister and the Bakncw Transfer Trans- action Fee Finance Charges a Ow applicable barsackm caligay ud tlw special rate world hem expired. For TOO {Telecaamhu iaBons Device For the Deal) assistance, please call 1411)4347-7449. Discover may rrwulo andbr raced lelepfoo a cola between you and Oiwovar mprese nmives br quaky assurance purposes. The Discover- card s issued by Dsmver Bank, Merriber FDIC. OITBK170 Closing 0 Hccount , mbar en E DISCOVER Account number ending in 8170 Page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: June 20 _ Balance Previous Cashback Bonus Award Balance $ 13.28 Purchase Award This Period + 0.63 Cas ac Bonus Award Iota 1391 Cashback Bonus Award Balance 13.91 Award Available to Redeem $ 0.00 8699292 Re*ictions apply to the Cashbock Bonus Partner offers visit Discmwcem or call 1-800-MCOVER (1$04347-2683) for deloils. For program details, see the Cashbock Bonus Program Terms and Conditions. p New Bolonce Minimum Payment Due Account Number ending in 8170 DISCOVER ER $9,637.94 $191.00 Enter Amount Enclosed Belaw Payment Due Date $ 1 April 19, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 20 SDSN6A01 0012895 HIGGINS, MARLENE informapaperless and make tion more more Go secure with ilts password- 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Leammore atdiscovercorrYpapedess- PO BOX 71084 11111111111 toll 1112111121111 CHARLOTTE NC 28272-1018411 1 1 Address, amoil or telephone chonge2 Print change in space 1u(I'11111111117111(111(rIM1111u1 lr.11111111u(ninlr1nll above, or go to Discover.com. Print your 9-maii address to receive important Account information and special offers. 0000019864585123951910963?9400000000019100 Discover More Card Account Summary Closing Dote: March 20, 2009 page 1 of 3 Account number ending in 8170 Payment Due Date April 19, 2009 Minimum Payment Due $191.00 Credit Limit $15,000.00 Credit Available $5,362.00 Cash Credit Limit $7,500.00 Cash Credit Available $41.00 Previous Balance $6,895.17 Payments And Credits 136.00 Purchases + 216.52 Cash Advances + 2,452.99 Balance Transfers + 0.00 Finance Charges + 209.26 New Balance s $9,637.94 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance S 13.91 New Cashbock Bonus This Period + 0.24 Cashback$on usS Since-Anniversary Month June: $7.94 Cashback Bonus Balance $ 14.15 How Can We Help You? 1 Visit Discaver.corn to pay your 60 and for cost, view y and more latest Account t information, eon a and redeem wards It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy sellLservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Mar 18 Mar 18 PHONE PAYMENT THANK YOU $ 136.00 Merchandise/Real Feb 23 Feb 23 WAL-MART SC #1886 MECHANICSBURGPA 96-50 Other/Misceflaneous Mar 10 Mar 10 CASH ADV RTRN CHK FEE #1020 35.00 Mar 20 Mar 20 PAYMENT PROTECTION PPD 1-877-883-1959 85.02 Cash Advances Feb 26 Feb 26 CASH ADVANCE CHECK #5923 800.00 Feb 26 Feb 26 CASH ADVANCE TRANS FEE FINANCE CHARGE 24.00 Mar 3 Mar 3 CASH ADVANCE CHECK #0251 600.00 ---Aar-3-- Mor-3- CASH ADVANCE-TRANS-FH-FINANCE CHARGE - - -18.00--- Mar 6 Mar 6 GCA' HOLLYWOOD CASINO AT GRANTALLE PA 1,052.99 Mar 6 Mar 6 CASH ADVANCE TRANS FEE FINANCE CHARGE 31.59 Information For You nqV2974 " The day of the month that your payment is due will 6e changing. Your new Payment Due Dade will be printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1 2009 Your Payment Due Date wig continue to be at least 25 days from the Closing Date shown on the billing statement. lrrgontant k&mwt m if lute a more than, one per b Min, big statement, see the bark of each page ter additional iporlant i lormstan. p co Sea yarn c.aamnba. Agreement Yaw Cardmerrber Agreement coteis all the terms of your Account Lost or stolen cards. Report tuned atdyl Cat 1-04347-2683. D BBIMgRigbla Suaaary.hCasedEarlsor Questions About Your Bill: 9youfinkyour bill iswrong,or tyamneed more iiormsbraabout atransaction an garbill, waille us an a separate aloel of paper at Discover. PO Box 30421, Soft take Cry UT 81130-0421. as soan as possbls. We mull how from you no Was Ihen 60 days after we sect you to istbil on o0 m whin to error or problern appeared. Yeu can letephore us, but doing so will not preserve your rgft In your beer, give us the following itormatiom m • Yaw name and Account number The dollar mast d to unloaded am • Describe the ems and explain. t you an. why you believe there a an arts. n you need more itamehon, describe the tam you are unsure about You do not have b pay any amour in question while we are hnesdgakV, but you are ON obligated b pay the pads of your big that are not in quesbn While we iaresignse your queshori we carrot report you as delenuetor take any actors bcDIW to amour ym gmsboc Special Rule for Credo Card Pacbaa: It you how a problem with the quality d goods or servicee Mel you purchased with a aedl rod. and you have Ivied ngood bM b oared the problem with the mardent you may cal have to pay to remaining amount due on the goods or services, You have has protection only %ten to purchase pine wasaae than $50 and the purchase was node in you home stole or within 100 miss of your madig address. (t we own or operale Mn merchant of i we moiled you the edwertisdnnd for the goods or services. all purchases am covered rugurdess of the, smo rd or location of purchase.) Paysenla. Sad only your payment sod the top portion of Ina sOsbmdd in the envelope provided. Do not send rash. By sending your deco as described abowe. you smlhanre us b use itnrmatron an yaw chade b make an elecborrc fund tervsier ken you account at to fiencial nssukon indicated an your cheek or b process fie payment as a " , I to section. 9 payment is processed as an electronic fund transfer, the transbr will be ter the amount an to dude. When we use itamebon kart yam cod b make an elections; turd bars(y, finds may be withdrawn from your account as soon as the same day we receive you psynrent, and you will not receive yea dock bade from your fnsaid istWion. The processag of your psymat may be delayed tyou send cash. correspondence or oiler dens with yaw payment I you send the paymeert to any dher eddea or f you use an envelope other ten M ono provided. Paymentsrxewed in proper form at our processing fatty by 5PM local time an any day wd be credited to yowAcmut as d fial day Paymonb received star processing facfty aka 5PM load sine will be credited to y o rAcwutas dtwT" day: t you havennsplacedyar envelope, sad yaurpay. bDitower, PO Bar 6103. Carol Sbesm, IL 60197-6103. Phase slow 7-10 days for delivery t your payment is retuned unpaid, we reserve the tight to resubmit it as an elections: dabs You can pay your mason rn payment of a washy amount over to telephone, and you can set up automatic payments. Cal us at 1-804347 2683. YOU will need his statement and yaw bank atoout inbraokan. You must ensue tot suftciant leads are evadable in your bank acccuK and all transactions mast comply with US. tar. You will he asked b pmawids the first 5 dgits of your account steldmerd zip code. By ertaig fast numbers as your ebdraic signature, you will be agreeing b fin, authorization to allow in and your beat laded r! each papne t you authorize from your bank account, and biioate debtor ciedit entries b your bank account as applicable, to coned an main to proussiq dsuch peynsrk Yen cost 0 us fie amount of each payment, or you can select an annum such as to Mi cram Payment Due or the New Balance on each statement You can nand a payment however we mat receive oboe ail bast tree business drys n advance d the scheduled payment. You may no* us by phone at 140"7-2683 or by met at the address listed in Me prewaos paragraph. t yam payments may way n amount weal Will you an each mortNy slabnnert when your payment will be mode and how much it will be. YmAubmeic payment amount may be less then indicated on to mortify statement based on credits or payments applied drug to big cycle- Credit Reporting. V& may report nfnmetim abort your scicoourd b credt bureaus lab perverts, missed peywreMs. or other defaults on your aomud may be satecled n your credit report We normally repot the staha and parrot t" of your Accont to crack reporting agencies each mode, t you believe that our report is ioavste or waotaplele. please write us at to totovisV address: Discover, PO Bas 15316. Wilmington. DE 198545316. Please include your name, address. bane telephone number ad Account number PERIODIC FRANCE CHARGES. Petiodie Fiance Charges are imposed on at transactions train the dab the timusachon is posted b your Account uri to dole you pay your entire New Balance. by melakg paymerts or moswi g credits. However. d y- pad to New Balance anyour previous being statement by to Paynert Due Dale shaman fial datsnsi and you prey to New Balance by to Payment Due Dale on yam c rrert biting staemenL we wit not impose Periodic Finance Charges an new purchases. that a, purchases feat appearing on the mast %Wzm nd. We al the to grace period- Otherwise. you wi receive a big slalemat re)d month tat rwcudess Periodic Finance Clhamges an those oar purchases . There is no grace prod an brbnce transfers or ash aliases. We sort your transactions into grails of purchases. ash advances. and balance banisters and thin hither sat the transactions with each group by teiAmrral Percentage Rata For euample. purchases shbjed to a promotional rate and purdases shbted to a standard rate would be separate groups. We rely to Mdse gaups as transaction abgone& At the end of each frig period. we compute belanoes and Periodic Finance Charges ter each day of the big period for each trasaction category. We use the lolwwig equation to oernpurte Periods Finance Charges for each trasecbon category_ Average Daily Balance x number of days in the biting period x Daily Periodic Rate. (You may rallr to to firnoe charge summary on yew billing stdetort for tlose sinter.) Tloen we add up to Panda Fiance Charges for each transaction, category to get the total Periodic Finance Charges br your Accent The Average Daily Balance a shown as zero it because of to grace period. no Periodic Finance Charges apply b to balance in a transaction cetegay. Balance ¢ocludi ng new Werisectionsimet od d aWteirg the balance upon which we noose Periodic France Charges. Wa aaputa fie Average Deily . We use the Average Daily _ Balance for each wanardnon category by adding up all to defy ketances in a bong period for a transaction category and dvidig the toAel by_tlre numbs of days in tni bdbg iycb. We I gad tad day carnpule to daily balance for each trarsaiton category an each day by" adding the blowing b the previous day's daily balance: transactions made that Aryl fees and Periods Fnsne Charges accred on to previous days daily balance: and by Ion subkaca g any credits and payments Mel we applied against to balance d fie ieteacion tsaachon category an Met day In alc leMg Be daily balance for the bat day of Me bang period, we consider Ice-pevnas day's balance' b have been your balshoe br each category on the Ism day d yam previous billing period to transaction is posted to you Account after the dose of to billing period in which t oars. we will kcal to tremedon as hev. ig occurred on to ist day of In big period in wish it is posted b your Award. Al lean, d d In Account re added to the standard purchase transaction category with to exception of Cob Advance Thasabon Fee Fines Charges whichi ore added b In ncian category sad Balance Tustin, Transaction Fee Fria ces Charges which are added b to applicable belermce tansler baneesiah alsM. When E a ale e p mks, we move the urged balance of tlo balance trasfa aid the Balance TfarWw Trace ion Fee Fnarce Charges to to sla dsd purchase special befsae a transaction category. However. t to special rate has been terminated under the Default Rate Pan. we leave to unpaid balm d Ma belerca transfer end to Balance Tra tiler Trans adiah fa Firimm Charges in the applicable kansechm calegay, uth to special tale world have expired. For TDD (Tekcaartatradoro Device for the Dealj assistance, 0- call 14W347-7449. Decove, may mailer andbr record telephone outs belwram you mid discover repteseda Ives ter qua* assurance purposes The Discover-cad is issued by Discover Bank Member FDIC. OITBK170 DISCOVER u pops w HIGGINS, MARLENE Account number ending in 8170 a Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you con help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/paperless and sign up for Paperless Staternents today. 19)2010 Dr,-r Bank. Member FDIC a R s P?QCRN 0810 - -- -- -- Closing Date: March 20, 2009 page 2 of 3 F$I NWharge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $1680.83 0.02532% 9.24% Y 9-24% $11.90 $0 Cash Advances $7018.80 0.06299% 22.99% F 3374% $123.77 $73.59 The rates that apply to your Account are either fixed f) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683) DISCOVER Closing Date: Account nun-A ends Account nmbsr ending in 8170 ; March 20, 2009 page 3 of 3 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: June 20 Balance Previous Cashback Bonus Award Balance $ 13 91 Purchase Award This Period + 0.24 Cash6ac Bonus Award Total 14.15 Cashback Bonus Award Balance 14.15 Award Available to Redeem $ 0.00 8699292 Restrictions apply to *e Cashbock Bonus Partner offers visit Diseowrcom or call 14MO-DISCOVER (1-800-347-2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. New Balance I Minimum Payment Due Account Number ending in 8170 DISCOVER $9,776.72 $193.00 Enter Amount Enclosed Below Payment Due We $ 1 :77] May 19, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 20 SDSN6A01 0012896 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 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.conUpaperiess. PC Box 71084 1111111 It isr111111 nrnl„I,I CHARLOTTE tNCt 28121721-11I0841 1 11 000001986458512395191097767200000000019300 Discover More Card Account Summary Closing Date: April 20, 2009 page 1 of 2 Account number ending in 8170 Payment Due Date May 19. 2009 Minimum Payment Due $193.00 Credit Limit $10,000.00 Credit Available $223.00 Cash Credit Limit $5,000.00 Cash credit Availob6 $0.00 Previous Balance $9,637.94 Payments And Credits 200.00 Purchases + 168.59 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 170.19 New Balance - - - $9,776.-72 - - - You may be able to avoid Periodic Finance Charges, see the reverse side far delai6. Cashback BonUSe Opening Cashback Bonus Balance $ 14.15 New Cashback Bonus This Period + 0.41 Coshback BonusS Since Anniversary Moath- ,1une: $8.35 Cashback Bonus Balance $ 14.56 How Can We Help You? 1 Visit Dixover.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 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Suit Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crsdits Apr 16 Apr 16 PHONE PAYMENT THANK YOU $ -200.00 Cillsw/Miscellaneous Apr 20 Apr 20 PAYMENT PROTECTION PPD 1-877-883-1959 86.24 Supermarkets Apr 5 Apr 5 KARNS QUALITY FOOD SNQ MECHANICSBURGPA 82.35 Information For You **ATTENTION** The day of the month that your payment is due will be changing. Your new Payment Due Dab will be printed at the top of the remittance-coupon on the statement you receive for your billing period 1hnt nods after May 1, 2009 Your Payment Due Date will continue to be at least 25 days from the Closing Date shown on the billing statement. F%Mckharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daly Periodic PERCENTAGE PERCENTAGE FINANCE FRVANCE Ba6wes Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1695.43 0.02532% 9.24% V 9.24% $13.30 s0 Cash Advances $8034.85 0.06299% 22.99% F 22.99% $156.89 $0 The robs that apply to your Account are either fined (F) or they may vary (V) as noted above. kmhporbmt Ntarasstion. tree is mere ton one pope b his Eihip slelonetK sae tw beds of each papa br eadaarral hmlparwrn amformabarh. Ern See you Crdro tuber AgrweeeL Your Cardmmber Agreement mfains of to Sam* of yw Aoooxt D Lod or stolen txr I Report nmvKUI& ! Cat 1-804347-2683. Biting Rlghe Summary. In, Case d Fawns or OcosbarwAbat Yam Bill: 11y ou faalt you bit is wiong, or f you need mom it«ne9an abed a traarerban on your bf, wvie b to ona Ur 81130-0121, as soon as possible. We mhsl hear from you no later Ohan 60 days afler we we you Me fiat bill on Sall Ldte City PO Box 30121 l Dm o0 N , , w ,, seprde shed d paper a which rte o mr err probbm appmW You can M%Oia co, but doing so of not preserve yar rghts. in you later, give us No following sdomnabon- C. You name andAac«at mind. J The dollar amota t of ere ampeded am Descrbetre eror and epla n, f you an. why you believe Rom is an error. V you need mom id«mabon, des«be the ikon you are tsarae abet You do not have in pay any am«at in quWm while we we invesbgeong, but you am sY abigaled b pry the parts of yea bill fwl am not in question. While we iwesip fo year - - - - - - ques0«s, we csnd report ym as dekr pe t or take any now to muddy armed you quos0on. Special Rude for CmdR Card Ptrchoen: It you hove s p10d°r" wilts to qualiyrd goods or sevvies ft you pudasad wth a credit cord. and you have tied in good fairs b coned .. Pucewas more tlan $50 w nhy Pot have b pry M renwwrg ardour due on the goods « services. You halm his protodian only when One Wc? its the memdeK bl d y fie pho en w s or and the pwdrroe was made in yw hone state or w*m 100 miss of year mailing address. (t we awn or open* On merded, or if we meted you the advarlowmed for the goo services, all padnsas are covered mgsdest o (ft amad all lacofon of pudmse.) Payouts Send arty your permed and the tap porfon d friar stekmrt is do rwalope pafded. Do not send cash. By aerrdng yarr dhedc as described above. you sudso ze us b ou dock to make an electric fund arssfar tom you eocaun at Ifie kmncW iarWr601h i ck" on you dmde or b process Ow payed as a check keflroction. aion an iir far d i y , use m tarar r O payrrt is pmoasud w onekdoodc had tandw. tw bander wA be far the rebut onfa dmick When we use irorm etion from yourdedt b make an etadrorac we reco«e you peymr'L end you will not receive yaw crack tack (con ywiroPoid aarikadn. as to aarar da m y as soon keels am be wirdnsan tom yw see The processing of yaw payment bay be delayed if you sand cosh, co espadence or odw two wilt you payment f you send the payment b any am address or f you use an rooessrg bully by 5PM focal tiro «n any day wi be cradled ro yw Accout as d that day Payments r bm al w d i i p n prope ve rwelope ate tan tw ea pmvWed. PeymrMS moa receued al arpraassing lacfty atarSPM local l will be cradled by«rAcmurtas of to next day tfy«u have misplaced yw envelope, seed yourimod b onooter. PO Boc we reserve f e right b resubmt it as an elri«iieddst ment is refined unpack a ou liver I d 10 d J M 7 . p y y. y ays ar e ow - 6103. Card Stearn, <60197-6103. Pieria You an pay yow m awaan payment or a gmser amanrn aver for uleptcn e, and yw can set up aubmaic peprwds- Cell us or 1-804317-2683_ You will need tin dalrae l and yew You mud warms Ord srdi ird karts are astable it yw bet aomuK and all trssacti«s mast comply wO U.S. low You will be asked b pmvide to fret t rdomdo b i h . t socou r 5 dg of yw alxcud Marant rip code. By aderirg two rallbers as you etecomm srpnabrre, you wA be a¢eeeg to the autlra¢aYm to allow us and yw bard b deduct eac ment yw rNsaae flora year barn amount. and to iri I debit or «edl binflea b year barn account. as applicable. b marred an emu in fe processing dsmer payment You must a e h ' p y owever w You cancoal a p pineK tell usrss an ad deeds palmed or you an sled an amwtsnrh as the Ma rn n Paytio t Due or to New Balance an each slmdaimrer most receive Police d bed tree hari errs; days in advance d tw sdadled payment You may nolfy is by phone at 1404347-2683 or by mat d to adAea Ssled in the previous h ryw paymei ts may very in r mad, we will ell you on weds mantdy stetemrn when you parrot will be made and taw much t will be. YourAraomsic paymeni amour may be less tan itioabd on for Ohanfdy stelbllen based on credits or payments applied doing the billing cycle. Credal Rep,o?r.ft,,,.a,r.ye may report idamatim abut yaw aoooat b credit haws. Lab peyme ls. missed payments. or o9nr, defects on yaw ecoad may be receded in year credit report Wa namaly report One stabs and psynant today d ywArmud bcredt reporting agencies each marts. t you believe rid w copal is unsmaala or i carplee. please ate b r. us d to ntoho- V a " : Dscov a. PO Box 15316. Wimirglah, DE 198505316. Please include yw nerne, address. home kkPlcne nnber andAaartrn PERIDW FKANCE CHARGES. Periodic Fi ai Charges we imposed on all trssecians ban the dew to va sedim is posted b ymAaaat ud ft dale you pay yw erars by making peymonts ornec erring aedts. However, dyou pad the New Balance on yow pevious billing salament by to Psyned Due NO shown on Oct stormed. and New R-'- i f . ret appearing yw pyre Now Balrra by to Payment Due Ddb on yaw moral billing sloe meK we will nd impose Periodic France Chagas an new pwchours, tat s. purchases; on rw cared ddeme t Wed cot his to grace period Orevwae, you will receive a billing statement road manrr that ickxles Periodic Finals Ciega an txae now pudwses. There is no grace penal on balance transfers or ash advances Wa sat yam tansocti«a imb gangs d pwdasm. ash advances. and balance ka afrs and ten ItAier sod the barsrA«s within each g«p by torAmash Parentage Rob- For t d f A l o an o exanpe, ptrdtsees stbpd b a pmrnofional cob and ptedvion stied to a swlderd nee wall be separate groups. We reef to two gimps as bamacbm caospones. each big periot we am" bakncos and Peadc Finance gages lor each day d to burg pared for each lmmectas cdsgory. Wa use On lotowing eq aim to cur" d oge Par Fiona Ctim s kt eachbomciv h cWApy: Average Daly Balance x mnba d days into billing period x Daly Periodic Rork:. (You may colas bore i+ara a aaineyan yam birg sbi rnert lor tense amours.) Then we add tip to Perak Fnrla Charges lor each tmrsectan caleg«y, b gd the total Par Frio lae Charges for you Accent The Average Defy Balance a shown as are t, beraasb of to gram paned. no Proa k Fneree Chow w* to to balance is a tmraactia cowgoryt. Wa hale fe Average their! Balance {ardrmdrg new tramhsactias) rhathod daladsirg fe balentaa upon tvlnich we ilhpoaa Periodic Pilate Chharpes We aonPrb ere Waage Daly Balance for each troaithan nabpoy Wadding up all the daily balances in a big period f« a tramadron ategoy and dividing tie Wdby to rambd d days in ftbirg cycle- We aenpte ear dell ba roe k r each kosecbn ra agory on each day by firm adding linebrawaq b the pevns days daffy balance: transactions made that ft fees dam3ed to day and Periodic Force Charges aacnad on tw psvias days daily belance: and by Own u btracYg any crdts and payments tad are applied epsinst to balance of to transacfan . , ' .treachbraaction to have been yaw category an Oct dayndads6gtodaily balance for twimtdydtotilling pe110l.weconsider tfe'pmvax;day's balaree aleq«y an Oe last day of your p w4 as h" period r e brwacion is proud to yaw Amour after the dose of the billing peiod in which it o0 ills, we will bed tie transaction as hew ng aLwmed an No fist day d In billing period at rucks d is posted b par Aocaat Ar Armnt we added to to standard purchase tar aclion caag«y with to exception of Cash Advance Tmnsed«h Fee Fnrna Chagas which are added b the traroacbon 1'alagory and Balrra Tmrod rTransaction Fee Faeces (largos w hidh are added b for appfiads balance freer barsaclioo category. When I ' purchase a specie(beWws tanhdar nab ehpiea, wo ncve Yo upad belerce d the belrce trsier and the Balance Trarsfar Tra secfon Fee Faace Charges b te, sI we leave to unpaid betarca d fo ba oroe trslar and the Balance TrandwTrans- lee meted raider the Del" Rate Pion b l f h i l , eam e ie spac ro as a baraadOn afepory Hoi orm f ecaon Fee From! Charges its to applicable t wwcbon cekgWy alai for spe Hal rate w tild have expeed, for AID (Telecirianunicadon Device for the Dora) aaoioa", please call 14104347-7449. Domes may monitor andbr record MhOue coo between ym and Dsmvar wesemteives t« WOW assurm" pxPoses. The D"scover" cad is'swred by Dacover B", Member FDIC. O1TBK170 ar en E DISCOVER Clcstn9 ?° HIGGINS Accotiunt nt nu mmbber ending in 8170 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: June 20 Balance Previous Cashback Bonus Award Balance $ 14.15 Purchase Award This Period + 0.41 Cas ac Bonus Award Total 14.56 Cashback Bonus Award Balance 14.56 Award Available to Redeem ? 0.00 8699292 Restrictions apply to the Cashback Bonus partner offers visit Discovwxom or cog 1-8004XSCOVER (1-800-347-2683) for details. For program details, see tbo Cashback Bonus program Terms and Conditions. New Balance Minimum Payment Due Account Number ending in 8170 DISCOVER $9,981.03 5197.00 Ender Amour* Enclosed Below Payment Due Date June 15, 2009 Please make check payabb to Discover Card or pay online 0 Dixovercardxom. 20 SDSN6A04 0012897 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Address, e-mail or telephone change? Print change in space ebove, or go to Oiscover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure w9h password protected statements only you can access. Lean more at discover.canipapedess. PO BOX 71084 11111 fill MI 11111146111111 CHARLOTTE NC 28272-1084 )rr)rl)nln?trll?nln)r)nr?ll)n??u)rrlnllnlr nlu lrl,rl) 000001986458512395191099810300000000019700 ------- - ----- ----- ------------- ----- ---- - ------------- ---------------------- Discover More Card Account Summary Closing Date: May 20, 2009 page 1 of 1 Account number ending in 8170 Previous Balance $9776.72 Payment Due Dale June 15, 2009 Payments And Credits 193.00 ;Minimum Payment Due $197.00 Purchases + 229.35 ,Credit Limit $10,000.00 Cash Advances + 0-00 Credit Available $18.00 Balance Transfers + 0.00 Cash credit Limit $5,000.00 Finance charges + 167.96 Cash Credit Available $0.00 New. Balance - = $9,981.05- may be able to avoid Periodic Finance Charges, see the You reverse side for details. Cash6xk Bonuse Opening Cashback Bonus Balance $ 14.56 New Cashback Bonus This Period + 0.05 Coshback Bonus Balance $ 14.61 Cashback $onucgb Since-Anniversary Month- june: $8.40 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus)Rl. st;your view more How Can We Help You? 1 Visit Discover con to pay your bill for no com rewards latest Account informado tion, earn and redse 'It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card avoi666. 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 ,pate Date Payments and Credits May 18 May 18 PHONE PAYMENT THANK YOU $ 193.00 titenchandise/Renal Apr 26 Apr 26 WAL-MART SC #1886 MECHANICSBURGPA 71.33 CASHOVER $ 60.00 PURCHASES $ 11.33 May 7 May 7 WALAkART SC #1886 MECHANICSBURGPA 69.98 - CASHOVER $"60.00 PURCHASES-$ 9.95 - - - Other/Miscellaneous May 20 May 20 PAYMENT PROTECTION PPD 1.877-883-1959 88.04 M% Charge Summary Nominal Transaction Average Dail ANNUAL ANNUAL Periodic y Fee dic PERCENTAGE PERCENTAr F04ANCE Daily Perio F94AI? Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $1739.75 0.02532% 9.24% V 9.24% $13.20 $0 Cash Advances $8190.63 0-06299% 22.99% F 22.99% $154.76 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. kVmtw* idomuOom N Mee is more fora as page b fis bing sblaned, we to back al each page For ao0sana ngoraw mr ,.rrewn.- SeayawCard,nealoaAgreamed Yaw CardloubarAyeemeo contersalfolen, o1youurAccount Lod or c- , cards. Repel mnedsidyl CaN 120P317-2663. 8MM9 Right &mmX h Cae d Esons orOussicrsAboul Your Bit Nyou that yaw bin is wring. m f you need more rdonnalon about a ! aKaclm on your bl. wile bs ara sepanwe died at paWatDsower.POSce30421,SalLABCity. UT8413M21,smanas pasbM.We? how limin you no Ider . ton 60 days AwweseNyooMeWbim which Me anmr m pmblan appeared. You an tesepbwb us, bud doing so wd not prserve You rights. yaw • Yaw name and Ammol Garber. The dollar amount of to aupecled arm. Describes ft aror and womin. i you an, wiry you balm Mae a an am. f you need more inbrtna on, describe Ms kern you are unsure about You do not h w a to pay wW amount it question wMe we are i vaSNg, , 9, but you are stil obigaed b pay fie part of you bil dW ore not in ques6oa While we rib You alrsfm, we anal report you asddsgusnd or fake arty erlon b 0olect ft Miss" you preslm. Specid Ride fo? Credit Cad Pwdmm N you tare a problem with Me %BW of goods or services thou you p idused wide a Gedd aod, and youhave hod in good bdh b coned the pobnn whikh lie madah4 You may nd here b pry Me remaining anRawd due an the goods or services You have fors pndeclcn ooy Mien the pudhaepncensas more Chan S50 and ft pud"W isa s made in your bon a shb or wom 100 miles of yea mailing address. (N we own oroperae ft mordant, or # we mailed you the a&M*M ead fafogoods or saviom al phacuaes ae omwed go I d Me amou t a balm d pantie-) payawrbc. Send afY yaw pymad and to top palm of ft sWrimed in Me envelope presided- 00 nd said ash By sending your died as desabed abosq you a lba e in to we rdonmalon an yawdbdc b make an ehecsonic kid I ansler lam Your acmmtat to hanc'W isflulon ndcded m your check or b process Me payment as a dudr tasrsadion- f paprsrd is processed as an elacrooric fund tas9 fo trash will be for lie amount of Me check. When we use idamalm torn your dwick to make an elacl'enic tart %WJO G Inds may be wAwram torn your aoraad as soon as ft same day we receive your payment and you wN not raceme yaw died had ban your tnandal nSfiOad The processing o (your prynoad may be delayed Nyou amid cask earapadahoe or olhar ins woh paw paymed. f you send to paymad b anry oMa addiressor f you more an ar ebpe der iaan fo one pnavded Paymedc rao6wed is paper bosh at our processing blackly by 5PM bad fnre on any day win be aediked b yawA=Owtasof Ma day Paym soft noeived a caw pams* g bray aw 5PU bad time rl bs Glided b youwAaoud as dfe nerd day. N you hate rniaplaced ymw eradope, sad yaw pay rwo b Oiscora PO Bak 6103. CairdG Minn. [ WlW-6103.TIMM A" 7-10 days lid dl*W N yarpaydrent h retnod wOM, eie reserve foe right to resibmf Cs an elaAarscdde You an pay Your miinum paymo dor a yada amount ore to WO-W, and you an sal up ada idic pYnon tL Cal us at 14M347-2M. You will need Msstatenad and yaw (riot bank account Ydoonna 1 You must awe i of adhied tore are awiable in your bank acoonsd, and ad' 1 1 atars must oanpywiM U.S. law You win be asked to ponds to earh: 5 dgls d yaw ac and statewsrd Zip Gods. gy adairg Moss numbers as your dgamoi: sigaka4 your wet be agreeing b din ahhMarmlon b slow in and ywbook to deduct ptym rd your suNhaae ism your bet anocuK and to imTisle debit or a" enats to your book accowt as eppfabb, b 'an was in de processing of such papered. You must id us to amend death pfyme t or you an sdedan mud such as is hfihim u m Payment Due or to New Balance on each sWen ed. You an canal a paymat howswervve mho oic" naTsw al lead Ogee blosi,xross days n advance of to sdw&AW payment You owl no* us by phone at 1.800317-2663 orbyrroi d Me atiesa tsoed n Me prav- pnpraph N yaw pwpwa vary in anent we wNi bN you an each mohhfdY stahment when your payment win be made and haw much d VA be. Yar au maak paymad amamt may be less tom v dabd on to maMNy statement based an aeds or payahords applied during fo being cyde- Crbdt Rspodk* We may report wdamalm abed your await b aed bureaus, Lab PaPairds missed papuenb or deer delaullls an your account may be mkcftd in you aed mpohL lab nomaly report to d"and payrmed hitiory dyer Account to aed repalig agencies each mordh. N you beteve Ma our nepxl s irwiale or irmnpbb.please wade us at Me blowing address Dsomer, PO Bar 15316. Wimigon, OE 196505316. Pose irdude you name, address, tome Wephon a mamba and Amaral number. Graos Paled on Purchases; alert 25 days). We bayrr b EWA Periodic Fiance Charge son al Va saclons tan Me Trdsabm Dab br fr kansadon s shown onyour blimp dasim. whoa a tarrac- is passed byo urAc ou i afar the dosed to biig period in * ich domes, in which case we begin to impose Paiodc Fits ceChagr on Ma trarsarI ion Me fad day dMebiogperiod iinWkhfspaledbyamAccount labmhfiw,bimpose PenDdirFinance CtwgksudfrdabyoupayYour earlier NowBalance. by mall g paymeals or recdvig ands. Hmvww. dyer pad the New Balance an your previous big, stftnei by fo Ptomt Oue Oda d oNn m Oat bing dalenhar I and yw pay the New Baiarhoe by to Paiment OusDele on yaw mend Bing slatanent we win not impose Periodic Finance Charges an new purchases, that is, purduses bit appearing on the arced wq dsL-n" We ell ft ft-grace period.' There s - grace period on balance transfers a cash advaroes. is nwm Rnance Chops. We win charge you a minimum FROXCE CHARGE of $.50 br ary bifng ps od in which Periodic Finance Charges of less Man S.50 vmM den me be imposed Annual Fab. Nyo o Accoud basso awwrl to, k is l be bird at to begirrong Of each a nWersay year yourAcmhmt a apart. The mud d la tee appears ante i??lnren' Vi m Me IN is bled. The amwl tr is not ntnd" wiesa you roily us Mat you wish b dose yourAmou t within 3o days d the wkdwq cox delivery dale d Me swore; on which fo fae is bled You vA teams, In mind am NYOU use your Cad dwig hod period. Periodic Firm md7 Chagas. Wa sat your traoac- ice grails of prdrass, ash advaaas, ad balance barsies and Mar bribe sari ft trarsadaas Win" eKb g oW by th erAnn al PMCadage Rafe. For arnpie. p rdnses wood b a lmnobma ode and purchases nlhycct b a strdad rate would be ieperale yaps. We role kPOW+e gIONO 85 trasacion atego ies. Al Me and d rch b&V period. we oanp oo balances and Periodic Firs o s Charges tar each day of the biing period for each taSadworr caegom We use Me olowig egreban b amlp le periodic Finance Changes breach Irasadm category: (Average Daily Below) tines (days a Ding period) tiles Maly Pe ock Rate). (You may feW b fs inahce dregs sunray an your billing slalenredia Ilse aowds.)Then wa add up to Periodic Fine" Charges breach transaction case" bgdMe AaW Perak Frames, Charges br yarAooa rk The Average Daly 8,1, n shovwl as ono i. bxause d fie grace pared no Peock Fina oe Charges applyb lie baI ins bons We u e Baarwe (wdudsng now We sacbors) mol od of cataddilg to balance upon vfnich we impose Pen sift Fnance Charges We commode the Aheap D* Balance br each lasamon abgay by adding tip al Me daily balances in a bing period or a taasalon alegay and dividing to btal by fie m'rriber of dwp in ft big period. W1e oci puma the defy bslawa breach- rans I caagrry an each day by fist addig line biowng b ass gems daft daffy borate transactions with a Trda®dion Dosed 10 day a shorwh anyour big cblenherd wiles the tasacfim is poled b yourAaohad altar lie dose d the biig period in which d orris, in which case Me' - fi ancOrn vibe added b fo defy bataros r cifofrd day d Me big period in which d s posted b yw AGaud, fees dw* bay day ad Periodic Fnaoe C rages aonod m Me pevsusday/s dairy bdaoe; end by Men suMtadrg any Gedib and pap wb fail an applied against lie balance of the i amacbm category on dal day In atCrdaag Me defy balance far fo fist day of fs hig period we onside lo -Prsvna doo daffy baahca' b lave been your balance, or each trasarAm casegay an the last day of You previous frisg period. Af tors changed to yaw Account am added b ft standard purchase basaclon ca%gDrf wdh to escepon d Cash A&Am ceTnnsa lam Fee Fimm Ctageswbidh as added b fie appiahb ash advanm srusacb m abgay and Baaoe TrasbrTnsacom Fee Firma Clangs duen ore added Ibtw applrahs balance Irma tI 1 1- h CNIOM Mtherh the special rob ewp m% we move ft unpaid 6alahocd the balance ?aB(e ad ft Balance TrxnMTrasaciim Fee Finan a Charges b Me standard padres - , -, -caw aibgory- Homm, f fs apscal raft has tsenlamirled+rider fo Od" Rob sedan m dears fo unpaid',', rce d fo balance trash and fo Banhce Transfer Trsdsckwr FeeFinance Changesihfrappiob1 falanc?etarsiertaneacOoruabmudilfospecialrapewauWhavecopied. For TOD (Toe cimpo nkaba e n 1, for fns cesq sdslaroot Plws cad 7400347 TIN. Discover may monism adsor remind %Wrone ails beWw you and Discover repoe ada/rs for quay assurance p rposm. IDs Oscoverv card is sued by D c01Rf Bank, Wenba FCC. 017W171 New Balance R Minimum Payment Due Account Number ending in 8170 d l l $10,094.51 DISCOVE $237.00 Be ow ose Enter Amount Enc Payment Due Dote $ July 15, 2009 Please make check payable to Discover Card. You are overlimit. Pay the sum of the mordhly minimum payment plus the overlimit amount of 594.51 20 SDSN6AOI 0012898 Go papmless and make your account HIGGINS, MARLENE intomiationmoresecure with password- 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Learn more at discovercomipaperiess. PO BOX 71084 I11 9 11 11 1111111111 r,rlr,lrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Lr1,(1rJ,r,Lll,r,(„1,1„J111,,,(„1„1,}11„i,r.„I,)„I1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191100945100000000023700 Discover More Card Account Summary Closing Date: June 20, 2009 page 1 of 2 Account number ending in 8170 Previous Balance $9,981.03 Payment Due Date July 15, 2009 Payments And Credits 197-00 Minimum Payment Due $237.00 Purchases + 128.04 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 finance Charges + 182.44 Cash Credit Available $0.00 Nwo Balance - $'0,094:51 - You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cdshback Bonuse Opening Coshback Bonus Balance $ 14.61 New Cashback Bonus This Period + 0.00 Cashbuk Bonus Balance $ 14.61 Cashback Bonus® Since- Anniversory-Man& June: $8.40 How Can We Help You? . 1 Visit Discover.com to pay your bill for no cast, viewyo ur late Account information, earn and redeem rewards arxl more It's your choice - 3 ways to help 2. Col 1-8004=OVER (347-2683) for fast, easy self:service options or to speak with a Customer Service Account Manager Please have your Discover Card avoilable. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Sak Lake City, UT 84130 Transactions $0 Froud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payments and Credih Jun 17 Jun 17 PHONE PAYMENT THANK YOU $ 197.00 Other/Miscellaneous Jun 16 Jun 16 LATE FEE 39.00 Jun 20 Jun 20 PAYMENT PROTECTION PPD 1-877-883-1959 89.04 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so ad this time. We have terminated, however, any irtrodudcry or promotional rate on -- - ---------- puchosas and any special bafcncs hcnsler rote, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you foil to pay the minimum payment due by the payment due date. See the Default Rate }Non section of the Cardmember Agreement for details. PW Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolarces gut" RATES RATES CHARGM CHARGES current billing period: 31 days Purchases $1694.25 0.03696% 13.49% V 1149% $19-41 $0 Cash Advances $8349.46 0.06299% 22.99% F 22.99% $163.03 SO The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. knportat bbrmalloo. I tore is more tan one page b this billing statement see In back of each page 1a additional important idomaion. Sam your Cardmainbar AWeemart, Your Cadmembuggkeemert contains al the terms of your Account. Lost or stolen cards. Report immed'iatdyl Cal 1-800-W-2611 Billing Rlghts Summary. In Case of Earns a OuesfansAbout Vb r Belt A you t" your tit b wrany or 0 you need mane idmrmationn abet a traradan on yew bi. write in us on a separate sheel d paper at Discover, PO Box 30421, Salt Lake Cy, UT 811360/21, as soon as possible. tw cost hoer rvam you ro talertm 60 days aterweset you l0 6rs1 bA on which 104 eror a problem appeared. You can telephone us. bd doing so wA not preserve your righh. In your Mw, gve us the bibiA g itamal" : Your name and Account number. The dolar amount of the suspected error. Describe the error and explain. A you can. why you beleve tm is an croon. l you need mere itama6m dem to item you are usue abet You do not have b pay any amount in guesion while we are iwiesliga . but you are still ogled to pay le pats of your w that are not in question. Mile we investigate your question, we cannot report you as delinquent or take any action to anted the smut you question. Special Ruin far Credit Cad Purchases: M you have a pmtlen with the Wally d goods or services that you pndased with a credl cod. and you laws rfed in good taAh b cww the p W m with the maic art, you may not have to pay the nrtnaiing grout due an the goods or services. You hie this pnelectm only when to purchase price was mom tan $50 and the purchase was made in your home stale or within 100 min of your mafiing address. (1 we van or operate the merchant or if we rnaied you the advenEeanet ter the goods or services, al purchases ae covered mgedless d the amend a Iaali d prdhase) Payments. Send only your payment and the by portion o (ft statement in the envelope provided. Do not send cash. By sending yaw dads as desori>ed above, you sufnize us to Use ihfomadm en your dhedl b make an WKtrow find trasler from your aooort at rie li anal irsm ulm fro I - an your c1ed orb process to payment as a cadrtrarsadon. I payment is processed as an eteuroric turd transfer. the basher wA be for to amour d fie check. When we use idamratm from yo rdadr b make an deaboi find transfer, finds maybe wwllpbawm from paw accent as soon as to same day we receive yaw payment- and you will not receive your dirk back from your bim islsuilo . The processing of your payment maybe delayed W you send cash, mrespo dmos a other lems with your payment, A you send the payment b any other addresass or Aye use an emebpe other tan to one provided. Payments received in pmper km at our processing facility by 5PM local fns ah any day wA be credited to yaw Aowurd as of that day. Payments received alour processing lacky alter 5PM local lime wA be credited b yourAtoount as d to nnet day 1 you have rr4placed your envelops. said your payment to Discover. PO Bore 6103. Caidl, Aeon, 11:60197610 .. Please a1ow7=10 days1dr r &&j. 1 -your O*nwil ereli i uipe id, we nsavelfis rightlo resubmit a atom efedionc dekC You can pay your minimum parrot or a greater amount over the telephone, and you can eel up automatic payments. Cal us at 1-8"7-2653. You wil need tic statement and your bank amou l itomaton You muslenvre thal elided frrhde are avada6le n yourbank account, ad al fasacfos mast comply with US. taw. You wi be asked to provide to first 5 dglls of your account slalenert DP code. By e iering those numbers as your eleckonic sgnakrs. you will be agreeing to It= aWermfon to allow us and your bath b deduct each parrot you aWronae km your bate amout, and to i Aate debit or acct entries to you bank account, as applicable, b armed an am in to pnrxxss. dxch payment. You rust iPJ us the amount d each payment or you can surfed an amount such as the kininm Paynient Due or the flew flatance o n each stalenenl You an canal a payment; however we most receive notice at lineal tree btni ess days in advance dte scfedded payment You may natty is by phone at 1.800,147-2613 or by mad at the address ided in to previms paragraph. If your payment vary in amwtt- we wil fel you on each moc" statement when your p yr ed will be made and haw much Awl be. Your automatic payment amount may be less than i on the matey statement based on Weds or psrnents applied during the biding cycle. Credit Rsp0rft We may report iib Won about your account to credit bees s. Lab parnets. missed payments. or other defaults on your amount may be rdeded in your credit repot WC namely regal to scats and payment hM" d yourAaart b aedd erpoig agerm lies each moth W you belle, a lot our report is iacc rala or iaomplde, please write us at the blowing address' Discover, PO Box 15316. Winiugbn. DE 198545316. Please include your name, address, home telephone amber andAnooont ri utw. Grace period on Purchases (at bast 25 daysj. Ub begin to iryos s Periodic Franca Charges on al transactions kom to Transaction, Oats for t e tarsar . as slam on you burg slalerent, unless a tasacim is pusbrl b your Acco rt aller the close d l abling peiod'n which d occi^ in which age we begin b impose Paiof c Fnaoe fhargec om tal transaction from to listday d fe b" peiod in which it is posted to yourAccou r We continue to Wpm Periodic Finance Charges uu9 to date you ps7 ymr erdre Hew Balance, by r akrg parnets a receivig credits. However, A you pad On New Balance an yorpevicus bang statement by to PaymentOue Dab shown onto Wig staleror' all you pay the New Balance by to Parried Due We on your o rrert bWq statanet, we wl1 not impose Pe iodic Fneroe Changes at new purchases, that is, pu nc ases ist appearing on to curet tilling "enet We call the; t e'grace period." There's no, grace peed an balance raslsa or ash advances. Mrhllnwm Finance Charge. We wA change you a minimum FINANCE CHARGE d 150 for any biig pevlod in which Periodic Finance Charges d less tan $.50 would otherwise be'rrposed. Annual Fee. l yourAecvut has an annual lie, l v A be billed at to begiring d eech a¦ Y year yourkoo rt is open. The amount of re fee appears on to stater- whenthe fix is Died. The arhnual be is not rrdhrxiable unless you ntty us tat you wish to dose yourAccourd within 30 days d to mailing orde>ivery dale of the statementon which on fee is Ailed You will receive this vekrd even if you use yon Cad doing that pe od. Prrledk Fkumee Chagos We sort yaw kwmdm n Nc Woups dpurdmtm rnh adwmces, and betake tastes and ton k/ther sort to tiansamars within each gmW by fwArsmwalPearsage flab. For example.-purchases subjed to a pmnofonah male and purchases subject to a standard rate moaldbe separate groups We ref rte these groups as transaction categories. At the end d each bang peiod, we copde bela cos and Pen odic Finance Charges for each day at the bang peed ter each transaction category We use the blm" equation to cor pule Periods Finance Charges for each trasaeim category: (Average Wily Balance) trees (days in billing penod) times (Daily Periodic Rate). (You may refer to to inane doge summary on your billing suimet for Own amounts.) Then we add up the Periodic Finance Charges br each t weachon category to get to What. Periodic Fiance Charges for your Account The Average Daly Balace is shown as zoo if. Deanne d the grape period, no Periodic France Changes apply b the balance in a Wes use IIil( Balance (including now transactions) melod daiatatrg fo balance upon which we impose Peiode Finance avirges. We oompie the Average Daly Balance for each transaction category by adbg hp al rie daily bulares in a bi ling period br a tarsacton alegoy and dividing t e Total byte number ddaprs it the biing perod We compwa to daily balance for each transaction category an each day by fire adding to blomvig to to previous days daily, bbalance: transactions w1A is 7rarsackn Oats of tae day as shown on your billing staterret unless the tarsaaiah is posted b ymoArmwt after to doe d de k%V period n at" i oam, n whichass she trasactivn welt be added b fie daily babom as d she *sl day d tlo biig period ih w"A is posed b yourAcemK fees cheged tae day and Periodic Fina ce Caages accrued ah to pevias days daily Warm; and by ten subtracting any aed6 and paynets that are applied against the balance of the transaction category on that day In calculating the daily baiace for the W day of the br7sg pencil. we consider to rorevios dao daily balance to lave been your babrice for each rasactim ralegory on the bast day of your previous billing period AN fees changed to yourAccount am adored b the stunruda 'purchase rasacion eabgoy will the excepfon d CashAdvance Transamon Fee Franca Carges which we added b the applicable ash advance transaction aMM and Bob" Tcansl r Transaction Fen Finance Cargos which am added b the aphP1 11 balance 1 mob transaction category When the special ram expres. our move the upend balance dte balaos rasler ad tol3alanc?e Trade Trasaction Fee Finance Charges to the stadad purchase transaction category. However. Athe special vats has beery terminated underto Denbo Rste section, we bm t* u W baling d she balances baos* and the Bakmm Tmrsiw Tsmoo n FeeFrance Charges n the applooble balannce harmer ransaciav avegory a tl do special raw would have wored. For TOO (Tibcom udcadors Device for do Deal) assistance, pease cat 140b347-7449. Discover matter non0m amdbr sew Idephone calls between you and Obroverrepaetativee for quality assurance purposes. The Discover` card is issued by Discover Bade, Menber FDIC. OITBK171 Closing Date: HIGGINS, MMIENE DISCOVER tun Account number ending in 8170 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: June 20 Balance Previous Cashback Bonus Award Balance $ 14.61 Purchase Award This Period + 0.00 Cas ac Bonus Award Total 14.61 Cashback Bonus Award Balance 14.61 Award Available to Redeem $ 14.61 8699292 Restrictions apply to the Cashback Boma Partner offers visit Discover corn or call 1-800-DISCOVER (1-804347-2683) for details. For program details, see the Cashbock Bonus Program Terms and Conditions. New Balance DISCOVER Minimum Payment Due Account Number ending in 8170 Enter Amount Enclosed Below $10,275.81 $238.00 Payment Due Date $ August 13, 2009 b Discover Card. Please make check ry r You are overlimit. Pay the sum of the monthly lus the overliimif amount of ment a i i p y mum p n m $275.81 20 SDSN6A01 00121199 Go paperer and make your account H I GG I N S , MAR L E NE information more secure with password 5525 BARBARA DR pprrotected statements only you can access. 1 MECHANICSBURG PA 17050-7216 papedess. Learn more atdiscover..con PO BO X 71084 Ill., rllr,r,r 11111141114121 CHARLOTTE NC 28272-1084 Address, e-maii or telephone change? Print change in space r))rrrlrr)rl11h)I?I rr $1 r+) rr) r I IL A) 11)„( i), r above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191102758100000000023800 ------- -- - -------- Discover More Card Account Summary Closing Date: July 20, 2009 page 1 of 2 Account number ending in 8170 Previous Balance $10,094.51 Payment Due Date August 15, 2009 Payments And Credits 237.00 Minimum Payment Due $238.00 Purchases + 238.28 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 France Charges + 180.02 Cosh Credit Available $0.00 New Balance = $10,275.81 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 14.61 New Cashback Bonus This Period + 0.27 Cashback Bonus Balance $ 14.88 Cash6ock $onusS Anniversary- Month: June Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). 1 Visit Discover com to pay your bill for no cost view your How Can We Help You? . Idest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cap 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 of Discover Cad, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Paynmmh and Credits Jul 15 Jul 15 PHONE PAYMENT THANK YOU $ -237.00 Other/Mliscsllansass Jul 20 Jul 20 PAYMENT PROTECTION PPD 1-877-8831959 90.64 Jul 20 Jul 20 OVERLIMfT FEE 39-00 Gasoline - -- Jun 19 _ Jun 21 SUNOCO MECHANICSBURGPA _6,27 Jun 19 Jun 21 SUNOCO MECHANICSBURGPA 10) 02 Jun 20 Jun 21 EXXONMOBIL MECHANICSBURGPA 10.35 Jun 20 Jun 21 EXXONMOBIL MECHANICSBURGPA 20.00 Services Jun 19 Jun 21 FLASH NARS MECHANICSBURGPA 62.00 8699292 important Intor pacer t there s man #an one page to this Wig Stabnent see the back of each page for additional mporunt nfamation. See your Cadmember AgreenwaL Your CatdmemaerAgreemaa con ais all the rums of yaw Acan1. I..od a sblen cards. Report immediately! Cad 1400.917-2613. Bi lap K94h; Summary In Case d Enors or ClsasfasAbod You Bit I( you ON* yw bit is wrong, or t you need more Wormatiom abort a r-ad- m yoerbil web to m on a separate stwe of papa m appeared Oau an W30421. Saft take ephone but doig w?not 2preserve you rights- to yaw letter, give us #a fofdbwig'sdmss6m: aAerwe amt you Fe first lei on which the errs or problem appeared. . Y Yaw name and Account mimber The dour amount of the wspecled ma. the rem abed Describe the era and a0air. 0 you can. `why you bdm there a an am. 9 you need more information, describe ym are uaure YN ie we investigate, Yw Ym do not have to pay any amazed in question W& we are immsBgating. &A ym are 811 oNgated b pays to pads of yaw bil to are nd it questim- quesim, we cannot mpod you as defn4mil or take any adm b collect is amazed you Westim._. Spwcitl Rule for Craft Card Purduses: If you have a problem with the quakily of goods or services that you ptwdwed with a credit card. and you have bind is good Fait b enact dw problem with the medhatt you may not tare to pay the remaining amomd due on the goofs or service-You have the protection only when the purchase pine was more than $50 and to p mhase was made in yaw hone stale or whin 100 miles of yaw mating address. (t we own or operate the merchant or t we mailed you tw advertisement for the goods or services, all padhases are covered regardless of the arouw orkteaeon d prdhase.) Payments. Send only your payment and the top portion d this stalared in the enwiope provided. Do not send cash By sending your dada as described adore, you a diodw us to use idamatim on yore deck to make an dectmric led trailer from yea aommt at the frnane>+al insli0dim indicated on ymc check or to process the payment as a Chad >rasa 1- - t payment is processed as an de<YOricfud Warder. the transfer will be far #a amourd of the checlL he n we toe intimation y? dedom be* your ^+db institution, MancW Ud Oasler, knds may be wtdrawn from yaw accord as son as to same day we reoum your payment and you The processing of you payment may be delayed I you send cash, mtespahdace or Other Meets with you payment it you sad the payment to any other address or if you use an envebpe other van the core pnHided. Paymeis rermed in proper form at w processing faallyl by 5PM bol tine on any day wit be aodaad? Account as d to d* Payments received at our processing facility alb5PM local tine wit be credited to yourAomut as d t he ned daft t you have rrivptaced you ewebpe, 6103. Card. Stream. 0. 60197-6103. Please 8fow-f-10 dagiar'ddtvery. Y ybu paymati Is rtlwrwd maid. we reserve the right Id muff it k as an eketru icdabk- You can pay your miwnrn payment or a greater arrant over to telephone, and ym can sot W admnaUC paymmR Cal to el 1.800.347-2663. You will need to stalrhned and yw bank acooud information. You mat ensure that 8diced kinds am available in far batik account ad all trasactios mat comply vAh U.S. low. Yon will be asked In provide to first 5 digits of you acmud stakmect ZIP code. By a luig those timbers as yoweiecbom srgnakre, you vi be agcseig to to ati o-maion to Mau is and Who* b deduc each prrant you aAhorue from your bank amoist and b iiYale debit or credit emnes b you bait account as applicable. to oared an omr o ton pnxesig dsudh paynat. Yon aw M Id us to ammoud of each payment or you can seed an emourt su3n as the kfiw men Payrnot Due or the Now Bab" on each suteme t You can titan a payment however we mat Monica notice at lent tree busneas days in ad== of to scheduled payment. You may natty us by phone at 1400-347-2683 or by mail al the addresslided-n the prsviehs paragraph. If you payments vary in ar ou k we will tell you on each mouthy Oalenad when your payment vA be made and how much k will be. Your asbnaic payment smart may be less than indcr d on the ins" statement based on credits or payments applied dung the big aids. Cmdt Repontng. We may report ndormabun about your arrant b erect bureaus Labe payments, missed payments. or am defaNs my= eoooud mate be mteMd n far credit copal. We nonnaly mprt the staea amt paired h dory of yarAemLot b aedt mepaemg agehaes each mail M you bek w sal w report is imamate or isc o F' ter. please writ us at to blowing address: D6mre: PO Box 15316, VAr irglon. DE 19850.5316. Place include your name, address, home Wephme rrrrber andA®rrt tertber- Grow Pedod on Purchase (at least 25 days. We begin to rmpoce Periodic France Charges on all transactions from the Transaction Dab for the" raaac - as shown on you big statement unless a transaction a posted to your Account etee rte dose of ton big period in whet It accts, in whidr case we begin to impose Periodic FaaraCharges on that transaction from the ist day of the bang period in which t is posted to you Amoont We wham b impose Periodic Finance Charges urd the dais you pay yw eft New ealaxt, by making paynmb a recerng avift ibwevei t yon paid the New Balancem yam previous bitting sla lma by the Paired Clue Date shorn en tat tiling sdlenned and you pay ft New Balance by the Payment Die Date m you aned 171Wg statement we w7 not npose Peak Fnum Charges m new protases. fat's, pudases istappeaug m the axrent bit" statement We cal On the 'gram period:' There is no grace period on bal rim transfers or rash advances. Mnbnum Fumm Charge. We will charge you a minnMn FRANCE CHARGE of 550 for any big period in which Periodic France Charges d less than $.50 wand dhewm be imposed. /moat Fei t your Acoewd has an amsal lee, k will be bled at #a beginning deach anniversary yap WAmarht is open. The amount dire fee appears en the eta' 'when the fee is billed- The atrial feeds not rekrdatib miss yon roky us teat yon wish b dose yourAexxtd within 30 days d the railing a delivery dated the gfabrrme' am which tfne be is biked You wit reoeNe this rehrd even tyou use your Cad dung tat period. Pwlmlk Finance Chagas. Mee sad yaw baraadtans irnb Soups of pnrd?zses, rash advances. and balance translu and tlnenm kwtter son the bansamas within ends group by t+eirlvrmatPerc mageRae-Forexarpb:pudoasessnblectaapramoeoraFraeandparesesutpclbestadadratewaddbi snparalegroups.YeetidebthexgmoWSes varwecton categories. At to end d each billing period, we compute, balances and Periodic France Charges for each day of to hag period for each transaction caaegory. We use the Ulowing egoaeon to co pole Periodic France Charges For each' a 1: " calepy: (Average Daily Balance) Imes (days in biting period) ens (Daily Periodic Rale). Periodic Finance Charges for ywArznu L TheAverage Daily Balance shown as zoo I became of the grace period, no Periodic F?inamcee for each bansacbm Charges applyla tz balance tee in tool in a Yee u6ehaeihe Aw"e Day Balance (ihdudn9 raw Irmuctions) method of dalatng to balance Wm which ors impose Penin& Fiance Charges. ft emmpnrb toAharrge Daily Balance for mach traaarAm ealegmy by adding up all to daffy belartces tin a Wing paned far a tea sa tiM category and d" to idol by them wtw d days nto big period. We oopde tw daily babme foreach baaacbm category on each day by trst adding d* fdb" logo prevns day's dally balance: ba radio swift a Transacm Dale d M day as shown onyou big doarnaht chess to trasarom is paged b yawAceout after rte dosed the bang psiod in which It ocus, nwhidt cane the Irensac.. will be added to the daily balance as of the fiat day oft he billing period in which M M polled b yomrAocari. Ones dhaged tat day and Periods France Charges sco nadan thep eoms diro daily batamw: ad by team subbacing ay cootie and faymeds tat arevOW agwo to balance d to trasacmah cOopy on fret daft n cAmgW rg to dWy Is I for the fret day of the big period, we consider or *prevns deVs daily balance- to have been yw balance b each bans- aakonn category an the last day of your previous billing period. Al fees caged to ym AcmuM are added to to standard pachese transaction c legory with the exception of Cash Adva Advance Transaction Fee Fsana Chsgeswhich we added b the appicable caste advance transaction category and Bela ce Tmnsb Transaction Fee From Chagas which ere added to the applicable Ion I baderbrrsacte?abgory. Man the special rob empires. we move the unpaid balance d the belares transits and the Bakrmx Traader Transaction Foe France Charges to In 9adad p r cone barl®aeolh ategory. However. I the spe®I rob has been lewnialad uder the Deledl Rate section we liana t e mpaid balacedt e' damoe transfer and the Bala ce Trasferlmsadmn Fee France Charges in the applicable balance bastio transaction, calm" u nil the special rib woad have expired For TDD (leemmmrnkadoro Davie for the Duo a kidarce, pig cat 1.800.347.7449. Discover may monitor endkr mead teephme rats between you and Discover representatives for geafdy assurance puPoses- pe DsonveF card is imied by Deaover Beni Member FDIC- 017&(171 DISCOVER HIGGINSI MARLENE Account number ending in 8170 Go green. Go paperless. Join the effort to save trees and clean up your mail6ox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, cornplele with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for f aperless Statements today. X920 t0 Di- Bonk. Member FDIC ?R a PPRGRN.0el0 Closing Date: July 20, 2009 page 2 of 2 FNWACharge Summary Nominal Transaction Average Daily ANt+1t1AL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE F NANCE FINANCE Balances Rates RATES RATES _ CHARGES CHARGES current bihing period: 30 days Purchases $1731.32 0.03696% 13.49% V 13.49% $19.19 $O Cash Advances $8511.35 Q.06299% 22.99% F 22.99% $160-83 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rated above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER 1.800-347-2683) New Balance Minimum Payment Due Account Number ending in 8170 l d B l DISCOVER $10,051.67 $202.00 ose e ow Enter Amount Enc Payment Due Date $ Sspilarnber 15, 2009 ble to Discover Card. Please make check Pat You are overlimit. he sum of the mordhly minimum payment plus the ovedimif amount of $51.67 20 SDSNSAO1 0012900 p s and make your account Go H I GGI N S, MAR L E NE information ation more secure with password 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Learn more at discover.cotrdpapertess. PO BOX 71084 11fill Ir,r,1Islilt ItIIIIII CHARLOTTE NC 28272-1084 Address,smailortelephone change? Print change inspace ?n)"nr(nr?n(?ur(u))???))I(?Ifill lrelrr((r,lnrlerlr(rr(( above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191100516700000000020200 -- - - ------- -- - Discover More Card Account Summary Closing Date: August 20, 2009 page 1 of 2 Account number ending in 8170 Previous Balance $10,275.81 Payment Due Date September 15, 2009 Payments And Credits 499.00 Minimum Payment Due $202.00 Purchases + 88.67 Credit limit $10,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $5,000.00 Finance Charges + 186.19 Cash Credit Available $0.00 New Bakance - $10,051.67 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cas6bock Bonus Balance $ 14.88 New Cashbock Bonus This Period + 0.00 Coshback-BonusO Anniversary- Month: June Cashback Bonus Balance $ 14.88 How Can We Help You? ' visit tActo pay year bin "° ` list r "°wards latest Account nt information, earn and d redeem m re and more It's your choice - 3 ways to help 2. Cal 1-8004)iSCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us d Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sop Lake City, UT 84130 Transactions $0 Fraud UaWly Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Payments and Credits Aug 7 Aug 7 PHONE PAYMENT THANK YOU $ -499.00 Other/Miscellaneous Aug 20 Aug 20 PAYMENT PROTECTION PPD 1-877-883-1959 88.67 Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Coshback Bonus for a $25 Bed Bath & Beyond gift card. MW Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE 1lakances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1464.54 0.03696% 13-19% Y 13,49% $16.78 s0 Cash Advances $8676.39 0.06299% 22.99% F 22.99% $169.41 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above krhpartad Information. If there is more tan one page In this billing sfataneat see One back of each page for additional important ihfornason. Sam your Cardmambar Agresi ont. Your Cardnienber Agrxment con tans al the tetra d YO .Assam. Lod or skeen cards. Report wriedaley! Call 1400,W rs 1. BWigRiphsSrranery nCase d6rpsort AbodlbuMMyoutinkyorbiiswrag,piyouneedmorentarmlunabaRabarsadoncinyorbi.writeto sena separate sheet d paperai Discover, PO Bas. 30421, Sak lane Cry, UT 61130-0121, as soon o possible. We mudhea tom you ro later riah 88 days aft rwe sat you ft Est bi on which the emor or problem appeared. You can telephone tits, but doing so will not preserve you rights. In you Mm give us l he following idonnalim: Your name and Accord ranlber. The dollar xrout of Be wispeded anon. Desaft to ems. and eplan, i you ran. why you t , fr' v time is an erfp. f you need snore iiorinebon, desabe to ban you areunsure about Ydw do not have b pay any arnort in quesUm wide we are inesigi fug, tat you are sail obligated to pay to park d you bll sal are not n question. W4ie we irmsbgade ypr mled the amard guns que9lon. quesbom we cannot report you as deitgrtat or We any action In Special Rule for Credit Card Purdmes: t you hate a; A* abern wrh the quofly d goods a services that you pudased wi n a aedk card and you have tried n gad lath b exrred the poblern writ to rnerdhat, you may not have b pop to n irwiv k g antoW due on the goods or services. You have bas pratndim mdy when to prdsase price was am Dun 150 and to purchase was made it you fame stale or witlin 100 miss of your mating address. (k we own or operate the rorc ant, or k we nailed you to adva0serred for to goods or services, all purchases ate covered regardless of the amoert or location d purchase.) Paywwds. Send only your Darned and to by portion of Ns staleenned in tie envelope laovided. Do not send ash. By sanding your dads as described abahT you auihave us to use nfamakorn on your stem b make an demonic fund transkr train yo r acmut al the 6hahriai kstArfaru ihdkated on your cl ecc or to peeress the psyrued as a check transaction. t payntat is processed as an demonic find tarsef, to I soft w# be for to ancut d the dorA. When we use nbantatim loom your c ecir to make an alemork herd transfer, hands may be withdrawn ban yrwr aocmW as soon as the sane day we receive you paYmed, and you will not receive yoxr them back from your financial institution- The processing of you payrnaa may be delayed il you said ash, oarayadaax pother ferns wfh gar payment, I you send the papaat to any other erldmss orilyour use an envelope cider than the one provided. Pagnahk received in piper loom a1 our protxbrg bar3'ily by 5PM local lin e m s.7 day will be aedlkd b yo rAooou las dthatday. Paris is received at our processing facility after SM local tone will be creed b your Account as d to rod day. I you have misplaced your envelope. send your paymert b Discaer, PO Box 6103. Card. Stearn, ILMI97-6103. Pease hair 7=10 ehays7or de dui. If your peymerd's reliihedu 020,, we ieseitieTiEuigBtldeeskbokkf k Wen efe oiaT dill You an pay your nwwmxn payment or a greater arrant over the Wephoe. ad you an set up automats permits Cal us at 14IW347-2663. You will need to stalemedard ym bark axnunt edpmabon. You mat ensue tut sulked hinds are available in yo r bark account and err rarhsactiore cost esnpay wAn US law. You vA be asked b provide the Est 5 digis of you amount staterned ZIP code. By entering Vice ambers as you electronic Rig I -.you will be agreeing b ft autatirMm to allow us and your bank to deduct each parent you autnnze lean you ba d aomur4 and b noale debt or erect entries to your bank ammut, as appicabe, to cared an emor in to processing of such pmynant You cost tell is the ano rt death payment or you can seed an grout &job as to bkh men Payment Due or the New Batmca on each statement. You an cancel a payment; however we must receive notice at least tree bnninan days in advance of the scledted payned. You may noWy Liss by phone at 1406347-2603 or by mail d ft address feted in the previous panagralik t your limns vary in amount we will tail you on eachmarAdy stalemerd when your paymentwi7 be made ad how much it will be. You mic natic peymed anhocmt may be kiss ow nd"ted on the frnathly staier eel based on aedts or paynenk applied drag be billing cycle Credit Repoift Vile nay report nbmatm abet your amount to credit bureaus. Labe payments, hissed paymens, adder deba lt; on year acmut may be reflected in your amdt mporL We nwn* repot rie stdks and payrnert hslay d yarAccoW b aedb mpaig agenaea ewch montln f you babeve OW our report is inaccurate or icorrnplele, please wane us at the following address: Discover. PO Box 15316. Witigbn. DE 19654-5316. Please kkide yar ricers. address, home telephone nur ber and A®ut man ber. Grace Period on Purchases (at lad 25 dsps WQ begin to intpose Periodic Finance Charges on all transactors tam do Transaction Date for the transaction as dwwo on you billing sbMrrkeM, utess a Warnaction is posted In your Account afar the dose d to big period in which it aoaas, in which case the begin to wpm Parodic Faro m Charges on that transaction from to fist day of the bfbg period in which b is posted b your Account. ft corionue In ntposa Periodic Finance Charges until On date you pay tau ode New Brace, M nog payments; or reserving parrs. However, iyou paid the New Balsa e on your previous billing rfaktned byte Payment Due Dab 0~ on trot big dakrker and you nay to New Balance by tint Payned Due Date on your aarrt bring stakmerul, we will riot irnpose Periodic Finance, Chagas on new purchases, ria is, purchases fit appearing on the erred biting sfalerred. We ail this the gram period " There a no gram period on balance transfers or ash advances. lfnknann Fiance Clhargm. We will charge you a rn ewnurn FINANCE CHARGE of 1.50 for any billing paiod'n wlhidh Parodic Finance Charges of loss than S.50wexrW derwlse be unposed. Arrrd Fee. f your Account has an annual lee, b wi be bleed at loo beginning d each anniversary yea yourAexaut is open. The avant of to lee appears on the statement when to %a lie bbd. The annual be lie riot refund" mess you notify us Out you wish b dam yourArmurt within 30 days of the maTrg or delivery date of the statement on which to tee is bft& You wi mcerm On rehnd even M you ere your Card drug 0nalperiod. Periodic Finance Charges. V* sort your transactions cob group of p is hases cash advances, and balance traders and then Rather sun the kasadiors within each group by -thaAnnuel Pacenbge Rare.foraarnple, purchases stbje bra-pramtonai vale and pudwses snbjed to a serdad rate wratid be 3eparate groups. We seta b tesegracI as rarsaction calcgor es. At to end of each hitting period, we owpure barriers and Priokkc Frahm Charges for each day of the bring period for each trassattim category. We use the Wbwiog equation to connpde Periodic Fiance Charges for each transaction category: (Average Daily Bab") limes (days in biting priori) tines (Daily Periods bale). to pto finance charge surninary rong Arm The Ava?iagee hitting stationers for ifiese amounts.) Than we add Daly Balance is s shown as zero it. because of de ? pPeriodit: eriod, Finance, P?arokfc chinge, IN each category I, Finance Charges apply bthe balance i get a. bean P Franc 156952 in Maikge RZ Balance (including new transactions) meted of catch" tut balance upon which we repose Periodic Frahm Charges. Wife ourpd a tieAvrage Ody We use w Balance breach transaction category by adding up ale the rlaky belarbea in a billing period for a baoseft aegory and dvidrg fe trial by be mrnberd days n the big period. We rxarilute the daily balance for each Iraosrdian category on each day by first adding the foMoveg In to prinib s days defy baWw.. trasationswilh a Trarsation Oere d Dal day as shown onyou trig stalena mess the tanaction is posted b yourArxout after be dose d lea bring period in which k occu s, n which case to transaction will be added to tie daily balance as d the 6s1 day d the billing period in whi h k is posted b gar starer L fees charged Mal day and Periodic FiranceChages aooued on the prevus days duly balance ad by tlen shbtraiirg any creels and payrnats Mat are applied against fe balance d to Iraaadon calegery on Mat day. n afaianng rie daily belancefor l o Est day d the bang period, we consider ft-previous day's daily balance- b have been your balance for each transaction category on She teat day dyou previous billing period. Ale lees ritarged b your Acmud we added In the siadad purchase transaction category with Me exception dCashAd once Transaction Fee France Charges which are added Mile, applicable cash advance transaction category and Bob" TrarnsfarTransaction Fee Frahm Charges which we added brie applicable balance transfer basamon aegory. When the special rote expires. we no* ft unpaid balance d rie balance taster and Me Balance, Tracer Trasacrm Fee Fiance Charges to the standard purchase transaction megopr. However, b the special has has been emhneled under the Dda1t Rake section, we love to uWard belara of to balance Varshar ad fe Balance Transfer Transaction fee Finance Charges n the applicable thaiarhm era de ttarsoclioncabgay wM tM spwiel here weld have nupied. For TDO (Telecommunications Devim for the Deal) resistance, pilaw call l4W347.7441 Discover nay rnurabr adfor record telephone alt between you and Discover repesrgarwes loo quality assurance purposes. The prscovera cad is slued by Discover Bah, Merhnt er FDIC. OITW171 DISCOVER C)osing Date: HIGGINS, MARLENE Account number ending in B 170 Page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: June 20 Balance Previous Cashback Bonus Award Balance $ 14.88 Purchase Award This Period + 0-00 Cashback Bonus Award Total 14-88 Cashback Bonus Award Balance 14.88 Award Available to Redeem $ 14.88 8699292 Restrictions apply to the Cashback Bonus Partner offers visit Discoirercom or call 1-800-DISCOVER (1-800-347-2683) for details. For program details, see the Cashback Bonus grogram Terms and Conditions- New Balance DISCOVER Minimum Payment Due Account Number ending in 8170 A o t Enclosed Below E t $10,000.72 $203.00 m un n er Payment Due Date $ October 15, 2009 Please make check payable to Discover Card. hl f h y t e mort You are averlimit. Pay the sum o minimum payment pkis the overlimit amount a $0.72. 20 SDSNSAOI 0012901 account k ? HIGGINS, MARLENE passwoord- re ?nforrmationmore secu 5S25 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Learn more at discoverconVpaperiess. PO BOX 71084 Ill,rnllnnnnII&IILrnlnntII CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )of Is Iloilo rlrllrnnlnnlnlnn)Il1 11114iln?ulluln7ntlrlu?I above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458512395191100007200238000020300 Discover More Card Account Summary Closing Dale: September 20, 2009 page 1 of 1 Account number ending in 8170 Previous Balance $10,051.67 Payment Due Date October 15, 2009 Payments And Credits 238.00 Minimum Payment Due $203.00 Purchases + 0.00 Credit limit $10,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 187.05 Cash C;adii )t uikaNO $0.00 Nevi Balance - $10,000.72. You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbook Bonvse Cashbook SonusO Anniversary- Month- June Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbook Bonus(R). Opening Cashback Bonus Balance $ 14.88 New Cashbook Bonus This Period + 0.00 Cashbook Bonus Balance $ 14.88 How Can We Help You? ' laVisit test Ac ins to e?n?,d r Caen;,11 " touand r ew?ds more It's your choice - 3 ways to help 2. Call 1-800 DISCOVER (347-2683) far fast, easy sell-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions Payments and Credits $0 Fraud UaWlily Guaratbs use your Discover Card with confidence. Trans. Post Date Date Sep 15 Sep 15 PAYMENT THANK YOU $ -238.00 WCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE f1WWCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1248.60 0.03696% 13.49% V 13.49% $14.30 $0 Cash Advances $8847.43 0.06299% 22.99% F 22.99% $172.75 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Impanad todorro-d-11 two is mare man one page Iota big stalenad, we ft back of each page for additional inyatx?l irkim aion See yaw Cadaembr Agreement. Your Cadmenber Agreement contains err k tams of your Acoaad. Last or dol coda Report nanedadelyl Cant t-800347-2Wi 8tiq R4& Sumner. In Case d 6rars r Qesuons About Misr Bit: 0 you thick your billa wag, or 1 you need mom indarmaY n abml a transaction on yo rbi. agile b ism a separate shed of paper at Discover. PO Bak 30421, Salt lake 01* UT 841360121, as soon as possible. We neat hear from you ro tiler Men 80 days dw we so tyou the first bl on which the ever a problem appeared. You can telephone his, but doing sown not preserve yar rights. Inyour brier, l j+a us fee idoang i ionnotion: You name and Award munber. The dollar anti d the u specled error. Describe the era and eplain• 0 you can, why you beieve two b an rror. 0 you need more irbnnafon, describe the Item you are untie about. You do not hove to pay any amount in question while we am i wistigaing, but you am sk7 obligated to pay the pas of you bill that are riot in question. Wile we inwstigeb yaw prsbon, we caged repo-you as deirquet or take arty action to collect the anon you question. Specid pule for Credl Cad puchnow. gym have a problarh wish le quaky d goods or sevices that you pmdmW wdt a coed cad. and you have tred in good to b coned the probten v1M t e nnercanl you may not have b pay the anvitig groat fie an the goods or sevices. You have this pmbcfono lywhen the purchase, Prix was more I= $50 and to pur,' , - , was made in yaw hate sole a w" 100mles dym m3ling address. (I we own or operate the mordtard, or iwe mailed you the alvertsanent forthe goads or services, all pudtases are eowaed regardless of the amount a location of pudase.) Payments. Send orly you payment and Me top portion d this staged n the en elope provided. Do not sad cash By sendig yohr check as dasorbee shove. you auto"ve us to use vlonmatim on your deck No make an electronic lend hanmtr ban yam acout at ore iwxW rttELAon indicated an youdedk a b process the payment as a deck to s cfon. 0 payment is processed as an election c lead tattler, Meponslr will be for be araat of /e dock. When we use I lomufon from you dock b make an decYOric lend lrarttfr, tads nay be wilkdrmmn from you accent as soon as the sane day we receive your parrot, ad you will not receive you dedk bad iron yaw laum ireikim. The processing of your parrot may be delayed 'd you send cash, mnespandence or other h erns vent yam payment,0ym sake the parrot to any otter addresser iycu use an emeiW dhn Mari to one provided Paynents mowed in proper bon at our prooasavg facility by 5PM local time on any day will be credited b y=Amorntas d tat day. Paynats mowed at out processing facility alter SPM local time will be credited b youAooaol as d the next day. N you have nispfued you envelope, sand you payment to Discover. PO Bak 6103. Card. Steam. It. 601976103. Please allow 7-10 days for Mery. 9your paymea is relished kipeid, we reserve f ASM to rlmEnit A as an elaWalk ibi You an pay your minivan paymenl or a greater ammar over le tlephore, and you can set up aitomadc poymars. Call is at I-SM347 2683. You will need li; slowne t and yaw brit awn" nbmatiiorn. ybu cost a sue tat sdfiort hods are armiable n your bank aaxttnl and ail basactiam meal complywilh US. lave. You wit be adied to provide the first 560s of you aorzaad statement ZIP code. By anowirg those tmhrs as your declnmtic signakm you will be agreeing to ft; aulnamion to allow us and your balk to dedud each polemic you alorize town yore sank anauhL and to iltiae debit or credit enba b you back account, as applicable. In,, e-an eta n Be poxssig of such parrot You mist Id us to amok-d each payment or you can select an arno n etch as the tfinirsrn Parnat Due or the Near Balance w ado stalement You an ca? 'a payment tnwevrwe musteaimnoic+eatlastMaebiwassdaysnawecedlesdhod popwtYoumaynWi mbyouwatl4M 47-2683atymaidfieaddress6stdnthepmmus paagiaph a your payments, vary in amoal, we YAWN you on each mor" stalrnrt when your parrot will be made and how mach twit be. You submaic payooel amount may be loss then indicated an the moo" stale nod based on credits or payments applied during the bang cycle. Creel R l: 11 -We nary report idmnafon abal you atoout b crest laamaus. Late paynaks, missed parrots, er od rdala is on your accord maybe hdsded in yar cm& report. We normally roped #a A" and parrot history dyauAcoaet to crest reporting agencies each mach. I yeti bake that our report s iamsab or incomplete, please wile us a to blowing address: D6oDm, PO Bar 15316. Wbnirgon DE 196545316. Pleme ndrde you none, address, hinmw Wephhom number and Aomtrl mniw. Gram Period on Purchases (at food 25 days We begin No oppose Periods France Charges on all transactions from to Tnasadon Dab for the transaction as shown on your big Aihxnel, Dress a transaction a posted to yarAcmA afar to dose o (ft big period in wh kh a oo ms, in which case we begin b impose Periodic France Charges on lat trasactiom lean to hired day of to Wig period in which t is posted to youAaar. We confirm b impose Periodic France Charges try the dab you fay yar attire New Balance. by meli7ng porrams or mo mwg heals. However, g raj pad In New Balance on your prWom brig atafrnsv' by Warrant Due oat shown on tat biting ablenarl and you par the New Balance by the Payment Due Oat on yam aarert bring statement, we will not impose Periodic Fiance Charges on new pudases, that is, ptrdnases first appearing on to ctarenl brag statement. We call tits be -race period' There is no grace period on balance tarsus or ash advances. Mnbmmh Fktrnce Charge. We will charge you a nwwmxn F04ANCE CHARGE d 5.5010 any bang period in which Periodic France Changes of lass flan 5.50 wood aterwse beimposed. Annual Fee. 0 your Accow has an areal fee. I will be hied at ft beymng of each a nivrsay year yosAaunl is open. The amend to be appears on the ssaMnod when se fee is bled The aarrei fee is not mkndable Mess you notify us Mat you wish to dose yowAtran within 30 days d the rnaig or ddmy dale of the statement on which ore lee is bred. Yeu wit receive dis rein- even O you use your Cad dung Met period. Peviodlc Him Charges, Yk sit your transactions; ilo groups d puduses. ash advances, and batarare tasfrs and ten kdwsat fw tmac6m wWm adh Imp by MdrAtoat Parcenta je Rat-Forexcerpt, padnses mApc brpmmobonairat and pxdmsessrrhled b astadadralewatt beitpamie gaps. We mfab Mere grapsas trasacton catagono. At to end of each bring period, we conptAe balances and Pe iodic Fiance Charges for each day of to brag peiod for each barttanborn abgory. We use to blowing a*obm to mmpubs Periodic France Charges for each transaction category: (Avenge Wily ealarce) tines (days in bung peiod) Ines (Daily Periodic Rat). ffm may refs to fin inane charge sumory, w you big stalanat for Mme amounts.) Then we add up to Periodic France Charges for each karsemak cafegony to get the tote Periodic Finance Charges for youMmunt. The Average Daly Balanrz s shown as zero I. because of the grace period, no Periodic Fn enca Charges apply b le I ' in a We lose foA"veraje DaTj Be.. (ictdig new trai sace.) method of calculating to balar. W. which we impose Periode F.. Charges. V% mrrpae loAvaage Deiyr Ball; P'. Icy adh rarsamon edger br adkLg up al /a der tdaaces in a billing pried for a transaction atgay and chiding the total by the number-days in the bikg peod. We compute the d* balance for each transaction category on each day by fiat adding to following loft prerias days dally balacx tarsacioras wilh a haae-ionDab d Ma day as shorn on yaw brig statement Mess fin transactions posted b yourAomtn aferfin dosed fin big period in wttidn 0 Deus o which case the transaction will be anted b Me daaybslahoe as of to fist day of the big period in which t is posted to yarAcmunt, lees charged Mat dry and Peiotfrc Franca Chagos aorned on the pevascloys daily below.. and by icon u bleactig any credo and payments that are applied agent the bdaxx of to transaction calopV an that day to calalabg ft daily be%= for to fist day of the brig period, we consider fe'limmous days daffy balace'to have been yore balance W each barttaciona category on the last day of you pevias big peiod. Al fees charged to yowAccouM are added to to stanched pudese hasacbm category with the exapdon ofCadk Advance Transaction Fee Fiona C arga which am added b to applicable cosh advance transaction category and Balance Traslr Tho sacs m Fee Fuarce Charges which ore added In the applicable balance kanelr trasackon cabgory Wkem ft special raw axpies, we move Mempoid balance of fin balm I wsfr and the Balance Transfer Tnnsadon Fee Finarm Charges In the sfardad paciase transaction category. Hove ver, If to special rale has been terminated wdr Ie Data& Rate soc m. we leave the upaid balm of ft balance kasleo and the Balance Trasfr Transaction Fee Frsce Charges in ft appicable balance, kasbr transaction co" will Ow special rate world have expired. For MD (TWcomwnunraliaa Device for the Dee) asss4nie, please cal 141804117-7449. Docow may, orMr andbr record tdephae calls between you and Discorer representatives for quaky asara ce purposes. The UKvm °card is issued by Disravr Bank, klarbr FDIC. 01TWI71 c cp New Balance R Minimum Payment Due Account Number ending in 8170 d l l $9,944.55 DISCOVE $197.00 Enter Amount Enc ose Be ow Payment Due Date $ l - November 15, 2009 Please make check payable to Discover Card or pay online Discovercard.com. 20 SDSN6A01 0012902 a inop HIGGINS, MARLENE with information o?boe tion more re secure e vvttFt password- ssword- 5525 BARBARA DR 5525 protected statements only you can access- MECHANICSBURG PA 17050-7216 Learn more at discoverconVpaperless. PO BOX 71084 11111121 is 11 11 CHARLOTTE NC 28272-1084 :address, e-mail or telephone change? Print change in space iloll loll 1r)rltl1llrr'rlr.i(()(Its] rr)fI(rnl)rr)rifr1tr1rr11 above, or go to Discover corn. Print your email address to receive important Account information and special offers. 000001981,458512395141099445500238000019700 - - ----- --------------------------- --------- - -- Discover More Card Account Summary Closing Dale: October 20, 2009 page 1 of 1 Account number ending in Ppyrnerd Due Date Minimum Payment Due Credit Limit Credit Available cash credit Limit Cash Credit Available Cashback Bonuse Cashbock Boruu(& Anniversary- : Month: June Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Opening Cashbock Bonus Balance $ 14.88 New Cashbock Bonus This Period + 0.00 Cashback Bonus Bdonce $ 14.88 How Can We Help You? I Visit Discover.com to pay pour bill for no cad view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selfservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sall Lake City, UT 84130 Transactions $0 Frond Liability Guctronlee Use your Discover Card with confidence- Trans. Post Dab Dab Payments and Credits Oct 16 Oct 16 PAYMENT THANK YOU $ -238.00 FNAWCharge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE F94ANCE FINANCE Balances Rats RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $1029.86 0.03696% 13.49% V 13.49% $1 1.42 $0 Cash Advances $9018.96 0.06299% 22.99% F 22.991% $170.41 $0 8170 Previous Balance $10,000.72 November 15, 2009 Payments And Credits 238.00 $197.00 Purchases + 0.00 $10,000.00 Cash Advances + 0.00 $55.00 Balance Transfers + 0.00 $5,000.00 finance Charges + 181.83 $0.00 New Balanr:e = 3v9.944.55- You may be able to avoid Periodic Finance Charges, see the reverse side for details. The rates that apply to your Account are either fixed (F) or they may vary (VI as noted above. khpafat bdarmalm. Item is more Odin one page to to Dig shbana- use to back of each page for addfional impo t ihlanaim. Sao your CadnemberAWeemerht Your Cardnermba Agmemerd artans all to tens of yota Aooohnt last or sbten cards. Report wwwdelely! CA I4W&MT-I 3. Billing RWft Srorxary. in Casa of Errors or Oueseos About Yaw Bit I you bit your ba is wrong, or if yw reed more Wrnaeon about a taasadOn an your bK.0 to us m a separate shed of paper at Discova, PO Bar 30421, Sak Lake Coy, UT 611780421, as soon as possble. We must bear km you no bier Own 60 days alien uric sed you to test bill on wtdcht a amx a pro", appeared. You can bbephore us. W doig so will not preserve your rights. In you Mw. give us" folooig arhbnralb Your name and Abmtrd mmim The dollar amud of le srapecied error. DesoI the mor and epbin. d you can, why you believe here is an er m. a you need more i lorma6or4 describe le tan you am uhwre about You do rot haws to pay ay wnoW n gtrmim while we are irwesligatng, but you am still obligated b pay the parts of yaw bit that are net in gresim While we irwesfgde your greskoo, we arnd report you as deliq mM a take any scion b called Oe aYnA you questim. - - ` SpwW Mier tar Cradlt Card Pwdmw. t you bam s problem with to quakily d goods a services that you purchased vaM a credit card, and you haeYied a good ba/r b cared the prodan wI& Oe mae+at you may not two b pay to omwnkg amour duo m se goads or services. You hate has pmoter- aty when Oe pudhae pine was mss ten $50 and to puchas was made in you hone stale or within 100 miss of yam mafig address. (I we owe or operate the merchant, or I we nailed you On a6mrisevad forOe gook or services all purdmes are covered mgwdlm d the amama or location of purchase.) Payments. Said any you payneas are l e top porion d Its "Amery in Oe o wdope provided. Do nil send rash By serdN you dodo as desabW abwq yon aamft us b use idomeion an your sled to make an elaclmnic krd transfer kom your accost at Oe f rencial ahdb6on ih6caled on your deck a b process the p lmestar a ehed kansar5on. O paymed is pmoessed as an atectior is pad transfer, Be bawler wit be b to ammt d the deck. W hen as use idmnaim Ian yaw deck b rwatw to abdrahicknd trash, kinds may be wihbavm kam your accost as son as the sere day we heretic your payment, and you will net receive yaw c ed beds kern yam kwKsd isf ilim The pocessng of yam payrnat may be delayed d you sand cash, owespahdahoe or o0m Items wilt your payment, Iyou send the parnat to aydheraxltass or (you use an nnebpe other tan tle one pmv4ed. Paymets woeired n pmpa forma our pmaessag bcby by 5PM bcab lime m arty day wA be aeftd bywAmantasdMd day. Payments momW at cam peocomq bitty aAer 5PM teal lime wit beaedled b yea Acoawd as d tw rwM dW I ysu h;vm nisp{aced yea erwelope, send yarpwprwd to Discover. PO Box 6103, CW,, Skeiin; It. 60197.6103: Please MOW 7-10 bays Iii dekvay- I yb wpaynnad is MkMW ter"kL'we Mser* the tigfa blesubmtta an doc raicdebit You an pay your ninimrwn paymet or a greater anrrmnt over the telephone, and you can ad up adarwic payments. Cal us at 0-M347 Vii. You will reed In da memo ad youj bait araourt 4 im.natu Ym must newre tat eAdw pads we awaiable in yaw bank ax cut, ad all Immadam marl mnpy with U.S. lax. You will be a"b provide to fast: 5 diges of yoracoaua stabnot23P code. By as" those nurbers as you abiomc sagmAm you wit be agreeing to this aulhomalim b aloe us and yarbadx b deduct each paprrat you a *uize kom yam berto acccuK and to it " dais or icedik robes to yaw bank account. as applicable. b oared an error in Oe pmocssig dads psymet. You mat tellus to arrant d each paymerd or yw tan sled an arrant such as err Mi irramn Paymaa Due or I he New Balmm m each staI ' You an ohceiapaymaa h wnem we cost mcaan A- al Isas1 hee busnac days n advance d One adnedled payment You may rwify us by phew at 14WW-2583 a by oral afee adrhssisbd i /e prav(as paragraph t yam payments vary in arrant we wit let you on each maahly stelanad whah yea payment wit be made and how tnrh I will be Your aulaate payrned aaaM may be less awn misled an l he mot" stelemed based an cede or payrrads applied drkg to biig cycle. Credit lbsI It. - We may report idmraim abut yaw accord to aedt hureas. We payments, missed payments, or cOher debults on your aanud maybe rAeded in you a" nepod We rmaly report In stabs and payment Ihalory of youAccount to credo reposing agelde5 each mach 8 you bekae tat our report s kwmnwea ksmahpleie, please while hs a the blowig adxtn s Discover, PO Box 15316. WBrwVk n. DE 19850-5316. Plana ndude your rom addess, lime telephone ranba andAooornt rxMw. Gran Poo an Purchases (at kart 25 days). YM begs to irhpose Pencils Fierce Chaves anal lira saciors from le Trasarbm Base for the transaction as shwmm yar 1r7ap ytaaac Sposlad b yourAmanrt aBa the dcseof Ow bang period in which I o=xs. n 4tic h casewe be* b kryove lass is Fewros Cho" on Mat tnaewdarhefibyr ci the big period in which It's pcebd b yarAaaunt We ownAmare to knpoee Periods Fiwmwe CAapes Ind the tkrb yw pay yarnmire New BMecs, try nwlr:g paymer t or mmWV ore W However. # you pad the New Balmos on you prAous brig slabant by Oe Paywed Due Dab to mm tat big slalamat and you pay the New Balance by the Payrnat Due Dada m your dares brig slammed, we will not impose Periods From Charges on new purdasm that is, purchases irst appearkg m to anent birg stafenert We call this le grace period.' Thera a no gram pond on bob" tasters or ash aavamn kidrrwam Flamm Charge. We wit large you a nnnnmh RMANCE CHARGE of 5.50 for xry b" period m which Periodic Fvhance Charges d less two t5O would otmwse be irv o Answer Fee. I your Accoml has an aawal fee, if will be Died at the begirnig d each anrihemery ymr yotw Axxnura is open. The avert of the fee appears on the stag era when the fee as bled. The acrd be is not nekndebie undoes you navy us ad you wish b dose ynhrAccouaw*m 30 days of l he mailing ordekvey xlale of do sbiamena an which to fee is bled You will receive this mbW wen if you we you Card during that period. Puiodk Finance Chagas. We sot yaw tamarlas lido gags of purchase.:, ado advances, and balance trarofem and Ow kel er oat the trasaciore w"each group by seiAmaal Percentage Rote. For example, pwdeses subject to a promotional raft emit purchases subjed Ina standard nabwwA be sepwAe groups. Wawdfarbanme gm" as aareacticn ategonaL At to end of each b% V period, weconp m babnon ad Peiodo Fiance Chagas for each day of to big period to each Vann chm ategory ft use the blowkg egaim b oompute Periods Firm" Charges ter each I a oic6ah category. (Average Daily Balance) fines (days in big period} fines (Daily Periodic Rate). IYar may helix b to francs charge shnanay on yam bWq solannat for these amour*.) Then we add up to Patois Rkwas Charges for each banactim nsbgory to gel fie btal Pe6otkc Fba Charges for you Account. The Average Daffy Balancae is shown as zero1, because of the grace period, no Periodic Finance Changes apply to to bakarhoe n a We xesues ,4 Bebnce (imdudi g new lm nactms) method d c*datig to bala ors hporh which we impose Periodic Fiance Charges, VIPs cor ptte OwAvarage Daly BalaaeforeachtrarearSmcategory byaddigupailthe daily babroesinaWgperiod teratramsadbncb anddhviirgtebWbytoraWdWddaysntob&Vpeed. We cempta tha daily balance l r each trasamon aiegay m each day by fast adift to loiw V ID the prawns days daily haiar m Immac6oe+sitn a Trasaxlmh Date d tlha day as shun m you bang stabrhat uiesa to karaacticn m psbd b y=Acceat gW to dose d tw big period n which a oc rs, in utidhase le trsacim will be added btodailybaI adletestdaydleb jperiodnwhichitispostedbyo Axraut,leescharged taldayandPer- Rance Charges amidmdoprevious daysdaily babrcr and by then suhbai rg shy oserfas a d paprants 0w1 are applied agairsl l a balance dthe trarser- aiegory m the days n abbfag Ire daffy halahoe forte fist day d the rig period. we coach to'p mss day's daily balance b has been yo? balance for each trarmcbm ategory an to tat day of your previaa big period. Al bes charged b ymAccout are added b the afadad puderse trdreocion category win the excepim of CashAdwhwe Transaction Fee Rance Charges which ace added to se apyicable cash antra ce transaction rategoryr and Salarre Trash Transaction Fee Fv== Charges which we added to to applicable, bawcstrarda transacam cabgay. When the special rate espies, we awn the tr"W Mlece of the btawe A arsb and to Balance Tender Transaction Fee France t7harges b the stern I pushes- Yaeadm ale9ory. Howem,, l Oe sped/ nab Ias been brrmiwled uder to Dehul Rate sermon. we ban to urpaid bata¢a of l he balance breeder and the Baler" Transfer Transaction Fee Frace Charges in the appkeble barce tramla tramachon category urd the special nab woad hove applied. FwTDO (rdwommenviea8ons Device for do Oaf) aabame, please call 1.100-W-7119 Oirovx may morrItor ardor rind b lepore ate between you and Dis corm representabms ter quaky asarawe purposes. The Disco' cad is bnad by Diocum Be*. Morita FDIC. OITBK171 New Balance Minimum Payment Due Account Number ending in 8170 DISCOVER $9,983.37 $204.00 Enter Amount Enclosed Below Payment Due Date $ 1 December 15, 2009 Please make check payable to Discover Card or pay online 01 Discovercard.com. 20 SDSNSAOI 0012903 Go papedess and make your account HIGGINS, MARLENE infomiationmore secure with password- 5525 BARBARA DR protected statements only you can access. MECHANICSBURG PA 17050-7216 Leammoreatdiscovercom4opedess. PO BOX 71084 111 as 181111 11 CHARLOTTE NC 28272-10841 11 11 Address, mod or telephone change? Print change in space ( 11111111111 tt11(lur1srA)r(url))IrtI I IIIuII111uirr(rr(t Ito 11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191099833700238000020400 Discover More Card Account Summary Closing Dote: November 20, 2009 page 1 of 1 Account number erring in 8170 Previous Balance $9,944.55 Payment Due Date December 15, 2009 Payments And Credits 238.00 Minimum Payment Due $204.00 Purchases + 88.06 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $16.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 France Charges + 188.76 Cash Credit Available $0.00 New Balance - $9,983.37 You may be able to avoid Period ic Finance Charges, we the reverse side for details. Cashback Bonus' Opening Cddimck Bonus Balance $ 14.88 Now Coshback Bonus This Period + 0.07 Cashback Bonus Bdance S 14.95 Cashbock $orws® AnniverwryL Month: June Keep building your rewards with every 'purchase. Start redeeming once you reach $20 Cashbock Bonus(R). 1 Visit Discover cam to pay your bill Ear no cost vww y«?r How Can We Help You? latest Account information, earn and redeem =and more 'It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347-2683) lor fast, ectsy self service options or to speak with a Customer Service Accourt Manager Please have your Discover Card available. 3. Write us at Discover Cord, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Paymenh mrd Credits Nov 15 Nov 15 PAYMENT THANK YOU $ -238.00 Merdrandiselit" Nov 17 Nov 17 WA14AART SC 111886 MECHANICSBURGPA 88.06 CASHOVER S 60.00 PURCHASES $ 28.06 $NNIN Charge Summary Nominal Transaction qve? Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolances Rates RATES RATES CHARGES CHARGES current billing period- 31 days Purchases $80719 0.03696% 13.49% V 13.49% $9.25 $0 Cash Advances 59193.84 0.06299% 22.99% F 22.99% $179.51 $0 The rates that apply to your Account am either fixed (F) or they may vary (V) as rated above. Discovw(R) gift cads make easy holiday gifts. Now save $2 on the purchase Fee of each gift card - plus get FREE shipping. Personalize gift cads with names and messages. Many have matching greeting cardsl Save through 12/31/09 - enter GIFT4 at DiscoverGriflCard.com hwputad nknn ition I tyre is mere than one page b this bung statement see fie bads of each page for additional iryodart intonation. Sao your Cardmember Agreement Your CanLnarnberAgreenen cattas all to tams d your Amount. Lost or stolen cards Report immediately! Call 1400347-2683. Bubo Roft Sumnarit In Case of Enos or Questions About Your Bill: If you 8irdt your bit is wrong, oil you reed moenfarna0m about a transaction on your bi retie to us on a separate sheet of paper A Discover. PO Bar 30421, Sao Lake City, UT 84130-0421, as soon as phssbk. ft usd hear from you no kler ttod 6D days aher re sort you to fist bit on vhkh the error or problem appeared. You can telephone us, bur doing so wig root preserve your riots. In your Wlei, giro us the bdlowi g ihbrmetion: Your nave and Amourd mnober. The dollar amount of the suspected error. Describe to error and explain. W you an, why you befave tare is an en or Kyou need more idorumbon, des Aw the item you are unarm about. You do not ham to pay any amount in quesfm while we are investigating, burl you are sd obligated to pay 1e pads of your bit thal are not in question. Wide vie arms" you question. we cannot report you as debvW or take any action to mloct the amartt you question. Spacial stub for Crsit Card Purchases: l you have a problem win to goofy d goods a sevices lad you puedesa 'with a credit card, and you have biotin good fain to mhect the problem with the meddwK you may not have b pay to rartaarg arrou k due onto goods or serviice& You hate dss prasanon ady when the pudaee priom r®s mom Wan S51 and rim purchase was made n yo r hoe state or wdm 100 odes of you mailing address (f mown a opeols fe mendren, a l we coaled you the ad%eil sewer" br Ie goads or servim. at pudases are covered regardless of the anowl or bcabon of purchase) payments Sad any ym payment and the top portion of tics statement n the envelope provided. Do not send cash, By sertdrg your deck as descrbed tdxae„ym rdarme us b use irfenralon an you deck b make an electronic hod transfer horn your account at 1e fiancial institution indicated on you dnech orb process to pynerdas a chock kats action. M parrot is processed as an electronic knot tarsier, de transfer will be for le a um of to crock No we tm htomatim from your check b make an eiztia. Ud trasfer kids may be withdrawn horn your amartt as soon as the same day we receive your payment and you will not receive your dad bad hom yon tinr>ml ktsfblow The processing of you payment may he delayed lyou sod cash, correspondence or other ilmswi h your paynmit R you send the payrrwR to any other addressor lym use an envelope other than teem provided. Papa% received in proper fain afar processing bcily by 5PM bed one onay day wit rte aedfed to yourAccoutasd Oil day. Payments rte ved at our processing facility afa SPM local bee will be credited b your Account as of the nod day. I you haw imisplaced your envelope. sand your popedto Vismwr, PO Bak 61031- Card, Sbearo, &-SDI97-6103. Please afar 7=10 dayslor Eeliivery. f your parrot 6 miurne d'unpaW we miew flee tgh b rewbmi i as an dN*=ac died You can pay you miwnm payrroti or a greater amaxH over the telephone, and you can sat up aubnabc paywarrLC Cal us at i-804347-7683. You will need on statement and yaw bank aecourd i Aonnalax You must ensue tae sulkwil reds are available in yourbat amount and all trasaetion usd comply with U.S. raw. Yuuwi be aslied b provide to feed 5 digits of you armed slaenken ZIP code. By along terse ambers as your electronic sigabre you will be agreeing loft auliontgo i to allow to ad yaw bank to dedud each parrot you a l hom hen you bank amoutt and to :dale debit or credo entries In your bank amount. as apphikade to entreat en era n the lr?g of catch Perrot Ym used tell us the amount of each payment or you an select an amond such as Ion lfninrrn Payment Due at do New Balance on each staI I You can ocd apaywrmt howeverwe nee receive notioe at least lace business days in adrrnee of to sc adikil payrnen. You may natty era by pone at 1-800-M-2683 or by mail at the add ass Sited in the pneviws Paragraph, I year parroekb vary in annual we will te4 you an each mcoft statement when you yaynan will be made and how munch it will be. Your a tonatic ptrynerd arrnoud may be less tan' ", 1,d on to nonlYy sfabmarl based on credits or parnents applied during 1st bdbg clide. Credit Reportbg. V* may report inornaio about you acmud to credit dress. Late payments, missed parreriM mother debu b onyar amaad nay be nrnlecied n your credl report. M nonnaly repot to status and parrot history d yourAcoarN b m* mpaMg agendes each madfk gym believe, Wow report is i aaualea taoonrpeb, pbace writs Us a to Icgowing ak11 Discover, PO Box 15316. Winnglon. DE 198945316. Plebe include your mane, address, hoe lepton mnbe and Account number. Grace Period an Pwdmn (at bbd 25 day4 1Ne begin to impose periodic Fiance Charges on all transactions fawn the Trnsachm Date to to transation as s owners yo r Dimon stabaent unless a trasacion is posted No yo rAmount anw the dose of the bieg period's which it occurs, in which case we begin In npose Pantie Fvm Chrges enhat basa3o from to first dry d the big period in which I e posted b yourAcctxnl Yoe continue to inkpme Periodic France Charges ud to dale you pay yarohgne New Babnce. by mahirg parmils a movArg aedb. However. # you pad to New Balance on your previous bring statement bye f* Parrent Due Dab sham on dot bigstyertrerarat and you pay the New Balance by the payment Due Date on your current big sW*meK we will not impose Periodic Finance, Oiages on new pudases, tats, purchases lrst appeakg an the current bliog statement We call In the "grace period." Thee is no grace period onbelanhce transfers or cash alvanoes_ Minbrrn Franca Charge. Vie will charge you a ntnnarn FMAKE CHARGE of f.50 for any billing period in which Periodic France Charges of less than $.So world adsrvese be unposed. Annual Fee. I your Amount has an annual lee, I will be bled at Me beginning of each anniversary year yourAcmut is open The canard of the lee appears on the statemeiwden, the tee is bled. The and be is rot refundable rrdess you noMy us hat you wish to dose yo rAccout wilhik 30 daysd to nano a deivery dab d ew staeernhe' an which to fee is billed. You will receive his kehrd even l you use you Cad dung that period Perbdc Finance Chagas Nk she your transactions into groups of purchases, cash advances. and' I ace trardas card non further sort tlo transactions vAhmesdr g oW by theirAnnual Percentage P.M. Fore arnpit prrhases srti>ject tvapeahesatalrate and purchases subpcl b a sfan I race wouM be separate goups. We kdwb Wesrgoaprw transaction categories. At On and of each billing period. we compere beta ces and Periodic Finance Charges br each day of to big period for each basa son category. Yye tee to Following "ohm In conptde Pebdc Finance Charges for each iasacim rdkgor r (Average Daily Balance) boss (days in billing period) Mmes (Daily Parodic Rae). (You may umla to the fiance charge stmnary on you biting staterrwrt for dose anourds.) Then vie add up to Periods Finance Charges for each taea6on colegoryr b got toe total periodic France Charges for you Account The Average Daily Balance is shown as zero if. because of the grace period, no Peniodc Fna ce Changes a" to tobalartce in a we use 8alace (including new trasal'as) method d calata6g to balance upon which we it dim Pericdic France Clhagm tllfe o rrpo t eAve ap Daily lnm? Balance for each traeaction category by adding up all the daily halahces in a trig period f r a trarsacI category and dividing to bfai by the mnbw of dayanthe big period. YM compote the daily babtrs for each transaction category on each day by lest adding to following to Be previous days daily Dabnoe: iasec- with a Transaction Bob of that day as sham on yw biog sialement, unless to basacdon is posted to yourrAccou t aft the dace of the big period n which I oaua n which ones khe tansacI err be added it to daily, balance as of the test day of to tiirg period in which it is posted to your Acwti t, fees c ioged Sol day and Peiodc Five Charges amued m to prevous days da y, be1/ce; and by ten sibtrxtirtg my r , 6 and payments 1W are applied against the Delano d the trasar 1 category on OW day in calculating to datyrbaI for to hest day d the billing period, we consider t e -previms days daily balance b lave been your balace for each ha sacioth category onWe Last day d yar p avian birg period AN fees carged b your Account am added to de surrlad purchase transaction cstegary with to akceI ion ofCashAdwnoe Trasatio Fee Fiance C hagesehi h ae added b the appbeableash adwnoe kasacion category and Babnoe Trashy Transactiat Fee Fears Chsgeswlich are added b M appicabk Daance easier tranhear . category. Ythen the special nab a ohm we move the unpald balance of to balance transfer and the Balance Transfer Trasadon Fee Fnarrt Charges b to sfa I purdoselarsactionh calegory- However, 4 to special role has been brmiolra udw go Delai Rate section. we ben to unpaid baianoe d t e halatnoa easier ad the Balers Tiacde Tanoaction Fee Fnance Charges into appiad. bafacw trade tasacfon category unl to special rate would hero expired. For TOD (Tilecoseradolio s Device for the Dec'solami kce, please cal 1406.147-7449. Discover may noordor adkr record telephone rills between you and Disoover representaives for gtdty asmarm purposes The Discover` card is issued by Discover Ba&, Member FDIC_ 011&(171 New Balance Minimum Payment Due Account Number ending in 8170 DISCOVER $10,055.02 $200.00 Ender Amount Enclosed Below Payment Due Date January 15, 2010 Please make check payable to Discover Card. the sum of dse monthly Pa it li Y y . ou are over m minimum payment the overlimil amount of $55-02. 20 SDSNBAOI 00121A4 Go paperless and make your accent H I GG I N S, MAR L E N E information more secure with password- 5525 BARBARA DR protected statements orgy you can access. Learn more at discover.comlpaperless. MECHANICSBURG PA 17050-7216 PO BOX 71084 lilts nl 61191 1811111111 111 11 CHARLOTTE NC 28272-1084 Address, .3-ma,l or telephone change? Print change kn space ???)')rrlrrrlrllurlu)r)rrrl))?rrr)rn(r,)nlln)nln)n)n)) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458512395191100550200238000020000 -------- - ----------------------- --- Discover More Card Account Summary Closing Date: December 20, 2009 page 1 of 1 Account number ending in 8170 Previous Balance $9,983.37 Payment Due Date January 15, 2010 Payments And Credits 238.00 Minimum Payment Due $200.00 Purchases + 125.14 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 184.51 C,A. C.idit A-t ailable $0.00 Nos; Uc1su e =_ 10,J54a^5- _ -.- _ You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 14.95 New Cashback Bonus This Period + 0.31 Cashback Bonus Balance $ 15.26 Cashbock BonusS Anniversary Month: June Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). 1 Visit Discover com to pay your ail for no cast, view your How Can We Help You? latest Account information, Isom and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy sag-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 take City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dam Date Payments and Credits Dec 15 Dec 15 PAYMENT THANK YOU $ .238.00 Restaurants Dec 17 Dec 17 CHEF WONG MECHANICSBURGPA 29-85 Dec 17 Dec 17 OUTBACK #3921 MECHANICSBURGPA 49.72 Supennarkefs Dec 16 Dec 16 KARNS QUALITY FOODS MECHANICSBURGPA ..45.57 Mfi%WCharge Summary Nominal Tronsaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNANCE I11NANCE Bakonces Rates RATES RATES CHAS CHARGES current billing period: 30 days Purchases $670.90 0-03696% 13.49% V 13.49% $7.43 $0 Cash Advances $9372.10 0.06299% 22.99% F 22.99% $177.08 $0 The rates that apply to your Account are either fixed IF) 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. Personalize gift cards with names and messages. Many have matching greeting cordsl Save through 12/31/09 - enter GIFT4 at DiscoverGiflCord.com bnpatant bdonnra6on. N t ere a more ham ore page to ha biting slatemed, see the back of each page fa addrGOnel impaled nbrmabon. Sn your CardmMMwAgreiintni. Your Cardmember Agkeement mrdais all the terms of your Account Lost or stolen arcs. Report immediately! Cat 140 UT-Min BMM Rfghis Summarlt in Case of Eras or Questions About Yaw Bill: O you Think your bill a yr a or d you need more i lormetion about a Yarsadlon on yaw bit. write b us on a separate street d paper at Discover, PO Boo 30121. Sall Lake City, UT 841360121, as soon as possb e- We creel bar ban you no later Ian 60 days Merwe sed you he first bit on which he ernor or pablern appeared. You can telephone us, but doig so will net preserve your rights. In yaw lever, give us he blowing kdormahon: You name and Account malbe. The dollar amourd of to suspected error. Describe the error and -s-I $ you an. why you believe hem a an errs. ftym need more ihMnatiorh, describe the tent you are untie about You do not tare to pay arty amount in question ride we are orvesligali ng, but you am still obligated to pay the parts of yaw bit that we rat in question. V O* we irwesligabe you questgr, we cannot repot you as delinquent or take any action b called the amad you question. - - - --- cored Spedal Rule for t'redi Card PucMrs: O you have a probers with the quality of goads or saviors dal you phrdased with a credit and, end you have triad n porch hilt to he problem wa h the medals, you may not have to pay he remaining amoud due an the goods or servaes- You have this protection any when the prniraseprim wren am hen 550 and the purchase was made in yea hone state or within 100 miss d your mating address. (O we own or operate the mordant, of t we mailed you the adverboTrod fortis goods or services, all pudnases are covered mgandlMi d the amount or location of padase.) Payamerds. Send any you payment and he top portion of tits staamed in the envelope provided. Do not send rash. By sedirg yaw chedt as descrbad above, you audhorbn us to use idermabon an yawdredc to make an electronic fund tra shr mom your account at the 6ranncial asukEon indicated an you died or to process the paymad as a check transaction. t payment a processed as an electrorie kind barser, he ba sfa will be for he amount of the check When we use kdarmatiorh cram yorw dredc b mate an eietlahic f nit a nsfer. kids may be wdmkavn from yaw account as soon as he same day we receive your payment and you will not receive your check hark from your financial is6kian. The pocessng d your payment maybe delayed 'd you send casts, correspondence or ether bens with your payment. t you sad he payment to any Otte access a tym tse an envelope alter tar the one provided. Payments received in proper form at our processing batty by 5PM teal time an any day will be credbd to yorMxwd sal Oat day Payments received at our processing bcily after 5PM teal time will be aedted to your Acmad as of the rest day O you taws misplaced you envelope. send yes papnerdb Discover. PO Bak 6103. Lard, Sbsm, L 60197-6103: Pkave allow 7-10 days for delivery ft your paymentt is returned unpaid, we mesrve tit right to tesbrnt t as an I , I is debt You an pay your minimum payment or a greater anard over the seheplhane, and you an set up aubmatic payments. Cal us at 1MO-347-2683. You wit mead On sbwmerd and your bank account imbrmaticn. You must enure Oat sufficient kinds are available in you bank account, and all transactions mmstcomply with U.S. law. You will be amMd to provide to W 5 digts d yaw scrod sb6imerdZIP code. By entering theca numbers as your eacbaric signature, you will be agreeig to this aulhor®kon to atbwts and yaw bank No deduct each payment you adhorze kart yaw bank account and to ideate debit or c edit entries to your bank adman, as applikade, to 'an emu in to processitp dstsch paymai You most sell lea the amount of each payment or you can select an amowt such as he M&wwn Payment Due or the New Balance on each statement You can carxxl a paywwrd< howem we must meatus notice at least three blllrhest days in advance dthe shredded payee rk You may ko6y us by plane at 1406347-2683 or by mat at head Aass hated in he previous paragraph. I yaw payme is vary in amount we YAWN you an each raarft statement when your payment will be made and how much t will be. Your aubr?c palmed ararn may be less Dan indrafed onthe maiNy sbaerne t based onaedds a pawns is applied dog Ore Ding cycle. Credo RopodW4 Yye may report domallon abort your acnourt to credit bureaus. late payments. missed paynmh, or other debuts an yeur amour may be reflected in your credit report We normally report the gabs and payment history of you Accouad to credit reporting agencies each month. N you believe tld our report a bacarale ornoomplew, please wrise us at to tabowirng address Daoover, PO Boo 15316. Wilmington, DE 19850.5316. Please include you name, address. Mme Wephone member and Amount number. Gram Period an tiachasert (at Ind 25 days} We begin to kmpose Periodic Finance Charges on all barmctions from he Tra mclion Date for he basarnorh as shown on you biting statement, unless a bansaction is posted b yo rAeoard alter the dose d the biting period in which t oxars, in which case we begin b impose Periodic Frar106 Chugs onhurl Balence. transaction man he that day d he turfing period in which t is pasted to yorAaainl We corbitue to impose Periodic Fiance Charges udi the date you pay your en - New. by making payments or mcelvig credits Hovvever. d you paid he New Balance on your prevfama bang stiterned by he Payarent Due Date stows ontat bing slalemed and you pay the New Basrce by he Payment Due Oat on you anent bong slakamett, we will not impose Pak& Fna ce Charges on new purchases, cat is, p nchasi s fast appearing on the anerd big statement We al this to "grace period." There a no trace period on balance Va Wm or ash advances. Mkrbarm Fkwnco Charge. Nb will darge you a minimum Ft1ANCE CHARGE of $,50 for any biting period in which Periodic finance Charges of Ins than $.50 wand drawee be imposed. Amwal Fn. N your Account has an anal lee. t will be billed a he beginrg of each anniversary year your Account is open. The annual of he lee appeas on he stamment when he fee a bled. The annual fee a not refundable u less you codify us Mal yea wish b dose your Account within 30 days of the mailing or delivery dale of he statement on which to be is bled. You will moeive the m1u d even of you use your Card during that period. Pwkx k Fauna Charges. We sal your transactions into groups d padases, ash advances. and bdanoe banters ad then f rho sat he bansa im wni0in each groupby -thmAnn al Pemdagefafe.fat-.Oe, prdmesmbpd b a pranatioral raesd purdmm subjectb a started rage wand be sepeae WoLgm We refs b tww gmwps as Msation cancers!. Al he end dealt billing period, we compute betances and Periodic France Charges M each day d he big period ter each trarsatim category. We use the bMlilg equabon b MNPk Peiodo Finance Charges for each banaction category: (Average Daily Balance) b- (days in biking penacO Ibres (Daily Periodic fate). (You may refer b to k once damge summary on yorbig slaMmwrml for tease amens.) Then we add up the Periodic Fiance Charges for each transaction category to get the btal Periodic Finance Charges for yo rAcowt The Average Daly Bellmore is shown as zero n, because d the grace period, no Peiodk Finance Charges apply b the babrnce n a yye OLrgy Bahia {aidudi g new trarsactims) melted d calculating the balance upon which we - g - Peimk Fihaae Charges. We mrpede tq Av ap Daly Balarhafor eadn barsacbon CMM by addag tip ail the duty betakes n a big peiod for a barsackn cabgmy and dMdrg Ore toil by he mm be d days a the hlk gpebd. We couple the daily balance for each barsactiork category, on each day by Wadding he blowing b he previous der fs deity balance: bamrsactiorw with a Ta rre cbah ibb d hat day as shown onyour barhg adlenent unless the transaction is posted b your Accost after the dosed die MV period m which toeoas, in w hidm ase to' aesar . wit be added to to daily balance as the fist ray d the Will period in which to posted b your Account tees charged the day and Peiodc France Cargos accrued an to p evios deft daffy balance; acl by then soEbacBng ary cre - and payments Oat am applied against the balance of the transaction calegory on to day. in abdtling he easy bafauce for the fret day at he big period, we amaden In'previous day's daily balance b have been year balance tit each transaction aWM on the Iasi day d your Mums billing pew At fires charged to your Account are added No the standard purchase bansadok c oegory with the exception of Cob Advance Tn i saloon Fee France Charges dddh am added in the appticabb cask advance bansaction category ad Balance Trash Transaction Fee Frans Chages which am added b the applicable balance QanaerbarllnC . rabgay When the special rob empires, we more to tepid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges b the standard purchm I Msactim category. However, t Ow special raw hastim 1, I ' 'ed under M DefaultRate section, we leave the u ir"id balance of the beards basfer and the Balaa$ Trasfer TraemcAm Fee France Charges a the appiable bolance bursae a mcbah calegory oath he special rate wand have expired. For TW (Tdaarmrnuiadam Device far IM Omf) asaatarra, pavan at 1486347 7149. Discover may ono ism ardor remrd telephone calls between you and Discover n pespratives for qM* assurance purposes. The Discove* cad's issued by Discover Bank, Member FDIC- OITBK171 New Balance Minimum Payment DISCOVER $10,1".00 $209.00 Due Payment Due Dab February 15, 2010 20 SDSN6A01 0012905 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Account Number ending in 8170 Enter Amount Enclosed Below Please make check payable to Discover Card. You are ovedimit. Pay fhe sum of the Mato y minimum payment plus the overlimit amount of $166.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover cornipaperless. PO Box 71084 111 a 11111 *Is doll is to 11012 CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change m space {rr{rlln(rrr{i({n?(u)rl???{{Ilrnaln{nilrr{{rn{rrlnrlr{rr{{ above, or go to Discover com. Print your e-mail address to receive important Account information and special offers. 00000198645851239519],101660000238000020900 - - - - - - - - - - - - - - - - - - - - - Discover More Card Account Summary Closing Date: January 20, 2010 page 1 of 1 Account number ending in 8170 Previous Balance $10,055.02 Payment Due Date February 15, 2010 Payments And Credits 238.00 Minimum Payment Due $209.00 Purchases + 155.93 0 00 Credit limit $10,000.00 Cash Advances . + 0 00 Credit Available $0.00 Balance Transfers . + Cash Credit Limit $5,000.00 finance Charges _ + 193.05 00 166 = $10 Cash Credit Available $O.no New Balance . , You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashbock Bonus Balance $ 15.26 New Cashback Bonus This Period + 0.38 Cashback Bonus Balance S 15.64 Cashback Bonts® Anniversary- Month: June Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbock Bonus(R). How Can We Help You? 1 Visit Discover.com to pay your 6A for no cost =and 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 er Account Mana i S C h k g ce ustomer erv wit a options or to spea Please have your Discover card avoilo66. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Jan 15 Jan 15 PAYMENT THANK YOU $ -238.00 Reslourants Jan 17 Jan 17 BREWHOUSE GRILLE CAMP HILL PA 25.70 Jan 17 Jan 17 YOUR PLACE RESTAURANT HA HARRISBURG PA 20.88 Jan 17 Jan 17 YOUR PLACE RESTAURANT HA HARRISBURG PA 10.00 ---- - - - --------- - -- -- - Srnpemrarkets Jan 1-7- Jan- 1-7 --------- ---------- WETS MARKETS #t58 MECHANICSBUR PA 99.35 %W 88 Charge Summary Nominal Transaction Average Daily Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $568.46 0.03696% 13.49% V 13.49% $6.51 $0 Cash Advances $9553.83 0.06299% 22.99% F 22.99% $186.5A $O The rates that apply to your Account are either fixed (F) or Hwy may vary (V) as noted above. kaparbot i faunYon. 0 here is more than ore page Oo On billing statement see In back of each page tar additional important iddmafgn. Sea yam CadmemberAgreement Your CardnMmberAgreemnd contains all the Wm of your Accotnt Lost or stoke cads Report immedralely! Cat 140010.2665. Burg Rights Sunray. In Casa of Errors or Questions About Your Bab 9 you think your bill is wrong, or a you need more idor atim abort a transaction an your big, ode to us an a separate, shed of papa at Discover, PO Bon 30121. Sall Lake Cky, Ur 841304421, as soon as possible. We must hear from you no later then 60 stays afar we sent you the fist bit an which the a cr or pmbkm appeared. You can telephone us, but doing so will not preserve yam rights In you left, onto the fatowig idkmretim Yaw name and Amount render. The dollmamout of tie suspected emir. Describe the emar and explain, t you an. why you believe tree is an error. If you need more inlomnation. describe the tan you are usurer about You do not have to pay ary amount in question while we we investigabrg, but you are still obligated in pay the pama of your lib that are not in gkestion. While we investigate your quesim, we cannot report you as dsk xpmt or take any a6on In collect the amourd you quegion. Special Rub for Credit C..d Pudases: t you have a problem with the gualiy of goods or services sal you pudased with a credit ad, and you lave tried in good faith In coned the; 10 *0 the mercant you may not have to pay the remaining grout due an Co goods or services. You have this prakctn atywhen to prchae prcewas more than $50 and the pudwe was made in your home stile or willm 100 miles of your mailing address- (t we own or operate tie mordant, or t we.. oled you fie advabementlor do goads or services, all purchases are covered regadess Brie amount or loath of purchase.) Payaunla, send any you payment and ft tap portion of to suleme t in the envelope provided. Do not send cash. By sanding your dock as described move, you authahize is In use idorna6on on you dad b nuke an electronic fund transfer *am you account at The tnahaal institution ihdicaled on you deck or b process the payment as a drodu tarsactim. t payment is processed as an electronic mind transfer, the traeler will be for the amount of the check Whin we use rh rmtin lean your check b make an eleceim kid taster, turfs may be ailidrawn kom you amount as soon as tea same day we recom your p wfiT* it and you will cad receive yam dhedk balk from your ti WKW irsambon- The rooming of your payment maybe delayed ifyou sand ash, correspondence or other Items vA your p aymerK a you sad on payment In any otne adfeas or Iyou use an envelope odw than lie ono provided. Payments received in proper fan at our processing facility by 5PM local tme an any day will be o ednbd b yourAaxout es d Bat day Paymet reoeyved atour, roods rg lady afar SPM local lime will be ucedled b you Amourt as d to kehd day 8 you have nspleoad your envelope. said you payent b Discover, PO Bole 6103.Card,Skbxfi.lfy019TL103.PleasealcwT--10daysforderaay.Tfyuwrp> tism&n6dtkVM,wereserverierigfibmaxnbmakasanewobrkdeA You an pay your mininm payment or a gmaler amount over go Helelihore, and you can set up automatic paymerds. Cal lea al 1 347-768;3. You will need On styemet and you bah aacoud Wa nigh m. You must ensue that sulikierd kinds am available in you bank amount, and all transactions must comply wiri US. bas You wit be asked In provide the k5l 5 de,}b dyor account statement ZIP code. Byer" fuse ambers as yor elertonic sigeaue, you will be agreeing In his autluraatiomh balow us and your barn b ded ct each payment you anthorme kom you bank aeeourt, and to inhale debt or creidl reties In yam bank arrant as appiade, to caked an artx n to processing of such payment You must tell us to amount deaden payment or you an select an amount such as the AFinDnrn Payment Due or the New Balance on each statement You an cancel a payment however we roust nceive rhotice Y least tree bhmirnesg days in edrace d the scodtad payment You may nafiy us by phone at 1-S00,"3474683 or by rasa a to address isled in the previous Iga9aF?c tyour payments vary in anent we will tell you on each rmoatny stakmet when your paynet wit be made and haw much it was bas. Your aubnatic payment apart may be less than indicated on rie morMy statement based on credits or payments applied drfng to billing cycle. Credit Repoli g. We may report idorrnatison about your amaint b credit bureaus. Lab peiynets, missed payments. or other debuE on yaw amount may be rdeded in your atilt repo(LWe rnmaly report to slaps and payrnai Mabry dyauAc mnt b cmdt heporfing agencies each montlh. I you believe that air report a iacc rap or iwanplab. please write on at to blur ga3dress: D&um. PO Box 15316. Wtnwgbn, DE 198%5316. Please icbde you ram, address. home lelephorhe number ardA=md number. Gran Period as Purchases IS lead 25 days). We began b impose Periodic Finance Charges on all transactions from the Trasectin Dab for to A asacon as ahem an your biting StaaerhenC mess a tansacllon s postal b ymwAocma ate t e dosed the biig pruned n which a emus, n which case we begs b b me Peofc Frakoa Chagas onthat trasadion kart that 6V days of to billing period in which 8 is paged In you Account We mnknue In impose Periodic Finance Charges user to dab you pay your adire New Balance, by nalong payments «receiving credit, tbvvever, if you paid th New Balance on you previous big dalceM by the Payment Due Dab shown an the big statement and you pry the New Balance by the Payment Due Date on your current bang statement we will not impose Periodic Finance Charges on new purchases, that is, purchases rest appearing on the current big statement. We al this the 'grace period:' There is no grace period on balarrs transfers or ash advances M'minam Finance Chugs. We will charge you a nwurnumFINANCE CHARGE of S.50 for any tiling period in which Periodic Finance Charges of less than $.50 wand arierwse be imposed Any" Few. If your Account has an areal fee, it wit he billed at to beginning at each anniversary year your Amara is open. The grant of the fee appears on In sMened when tlo tae s bled. The atrial be s not miadable unless you nobly nor Wyatt wish to dose your Account within 30 days of the mating or delivery dale of the statement on which the lee is bled You will noeive this rebid even if you use your Card during tat pernd Pariadie Flaw Charles. Vk sort your transactions iio gmxQs d p sc ases. ash advances. and bafarrs transfers ad Om krrie sort the tansachars wihik each gap by MrAonual Paverraje Mile. For example, pamdeses s bjattQaparotiortialrape and purchases sub)ed Ina standard rate would bexpaalegroups .Olte refs In thesrgio pirw transaction alegaies. At the end of each big period, we compute balances and Periodic Finance Charges for each day of the dig period for each transaction category We use the Mime eguaion to compute Periodic finance Charges for each liasactn category: (AveageO* Baas-) lies (days n big pxr * times {Daly Periodic Rol). (You may refer to to finance charge mumary on your big statement for tluzse wrouds.) Then we add up to Periodic France Charges for each trarsaim alegory to gut the to Pew* Finance Charges for your Accord. The Average Daily Balance is shown as zero a, because of the grace period, no Periodic Fnace Charges apply to rie bdance in a We ueell ?nce (ndudng crew trasactions) con -a - l of alanatng to balance upon which we repose Pa m& Reines Chw9es. ft compAe die Average Daly Baace for each karsadion akgory by adding up all tta daily balaces n a biting period fora kansaclan algory and dividing the brat by to weber cloys in to biig period Wes conpUe the daily balance for each transaction at" on each day by first adding the folowirng to ft prey ous days daily bahrre: transactions wo a Tra seam Oak of tat day as shovm n yo r bnikg statanenl unless the karsacaon s posbd b ymwAmant ally to dosed the bft period n w" k ooorrs, ion whK h ace to trasa 6 wit be added b /o dally balace as of the list day at the billing period in which t is paged to you Award, lees charged tat day and Periodic Finance Charges accrued an the previous daysdaly balance; and by than subbaetig any craft and paymoMs tot are applied agarsl to balance d to transaction afegory on brat day. In calculating to daily I I for ft fast day of the big period. we consider tie -previous days daily balance In have been you balance for each trasact on category an the last days of your previous being period- AI bes duo to your Account ere added b the standard purchase transaction wegory with the eroepdon of CashAdva ce Transaction Fee Fiance Charges which am added to the applicable cash advance barawbix otegory and Balance Trasfa Transaction Fee Finance Cb enla which am added brie appiCdab balance bomb' wdiarh eaegoryr. "M the Vacial vale expires, we move the unpaid balara of tie batarmce bowie and the Balance Trager Tio satin Fee Finance Charges to the standard purchase tarsacdorh cabgory. Hanauer, a to special vale has been tarrwoled under to Default Rae sodiom we leave the unpaid balance of to balance basks and t e Balance Trance Transaction Fee Finance Charges in to applicable balance liasie garsacion calaWy nH to special ink would have expired. For IUD (TWeeemmameaYens Device for the W sanidarw, perm call tJtf W-744. Discovermaymonitorandimrecoi lelephoneartsbetween youandDiscoverlepresntatvesforquailyassurancepurposes. The Dscoveec dsIssnrabyDscoverBan,Member FD)C. 01TBK171 DISCOVER 20 SDSN6A01 0012906 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA New Balance Minimum Payment Due Account Number ending in 8170 $10,442.61 $421.00 Enter Amount Enclosed Bekrw Payment Due Date March 15, 2010 Please make check payable to Discover Card. You are overlimd. Pay the sum of the monthly minimum payment plus the overlimit amount of $442.61 Go paperless and make your accent information more secure with passv"d- protected statements only you can access. 17050-7216 Learn more at discover comtpapedess. PO BOX 71084 116nrllnrrrn6IILrrlnrlII CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Go to www.Discover.com or print change in space above. 000001986458512395191104426100000000042100 -- -- - ------------------------ -- ------- ------------ ---- Opening Date: January 21, 2010 Closing Date: February 20, 2010 pogo 1 of 2 Discover More Card Account Summary Account number ending in 8 170 Previous Balance $10,166.00 Payments And Credits 0.00 Purchases + 40.98 Balance Trc-raf rs + 0.00 Cash Advances + 0.00 Finance Charges + 196.63 Other Fees t + 39.00 New Balance 10,442.61 See Finance Charge Summary section following transactions for detailed APR information Credit Line $10,000.00 Credtline,Avoilable. 10.00 Cash Advance Credit Line $5,000.00 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.) Cashback Bonus" Anniversary Month June Opening Coshbock Bonus Balance S 15.64 New Cashbook Bonus This Period + 0.10 Cashbook Bonus Balance $ 15.74 To learn nwre, log in al www.Discover.com and select Rewards Payment Information New Balance Minimum Payment Due* Payment Due Date * Includes post due amount of $209.00 $10,442.61 $421.00 March 15, 2010 Late PaymentWaming: If we do not receive your minimum payment by the date listed above, you may have to pay a kite fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 18.49% 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 volt make n¢ au Fair }tAv k+nck charges; Isalar?c..dawrf.evs ?:p? nglliisaardrstje# ttuktlMAmert'm #adaE h moidh 'you. Ppy a"; Only the minimum 61 years $77,433 payment 1 1 1 If you would like information about credit counseling services, call 1-800-347-1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Discaver.com Access free online tools like Poydown Planner to create a plan 2. Call I-80OZISCOVER )1-800-3A7-2683) - to pay down your balance, securely access statements, pay bill r d il k ll t a o Pfeci a fwveyour Dixover6 cord available. s on ene an eas y hoc a r nsacti ns 3. Write to us at Discover. PO Box 30943, Make your money worth more SM-find easy ways to earn Salt Lake City, LIT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deaf) NEW! Access your account securely through your assistance, please call 1$00-347-7449. mobile phone 6699292 Transactions Trans. Post Dab Dab Restaurants Jan 19 Jan 21 JOHNNY JOE'S MECHANICSBURGPA $ 24.98 Jon 19 Jan 21 JOHNNY JOE'S MECHANICSBURGPA 16.00 ,Other/Misceflomous Feb 15 Feb 15 LATE FEE 39.00 See reverse side. DISCOVER Yrportse h*nmation if there is moire tan one page for ilia burg shMment see to back d each page for additional nVOrbtd itxeaion. See your Cardreember Agreement. Your Cardmembo Agreement contains al the terns of your Account Lost or sidert cards. Report rimmediaodyl Call I-NO.347-2M Bil6q Rights SWaaary. In Case of Ems or O moo s Mori Your BIF. t you Think your bit a wrap, or if you need coon: sibrrnalin about a bansacion ea yam bill. write to us on a separate sheet of papa at Discover. PO Box 30421, Salt Lake City, UT 84130.0421, as soon as passible. We must hear ban you no, hoer tan 60 days aterw! sent you the ist bit on which Ore am or problem appeared. You can telephone us, but doing so will not preserve your rights. M your WW give us the following iwbmsatai Your name and Account number. The dollar amhou t of to suspected enor. Describe the era and esplam, T you can. My you believe two is an arr. I you need more inbmhaem. describe the am you are usae about You do not have to pay any amount in questm while we are' lug tug, but you are sot obligated to pay the parts of your bit that we not it question. While we nvestigale yea question, we cannot report you as deinqudd or take any aim b cotes the amount you question. ad Special kale for Cndt Cad Purl a m t you have a problem with the grotty d gouda or servas that you purchased with a credit card. and you have bed in good faith to cat. the problem with to madnant, you may not have b pay the mner ling amourt due m the goods or services. You have to protection any Men the ptrdhasepri;e was more tsar $50 and the purchase was marls in your home state orwAm 100 miles of yam mailing address. (11 we own or operate the me that, or 4 we orated you the advertisement fa die goods of services, al purchases are covered regardless of the amo n! or location of purdme.) Paymenbs. Said only your payment and the lop portion of ft statement in ft envelope provided. Oo not sad cash. By sadig your died as descrbed strove. you authorize us b - use inaanaom on your check to make an eleclYmc kind transfer ban your account at the financial institution indicated on your check or b process the payment as a check transaction 9 payment is processed as an efeeonic kid transfer. the iavsfer will be for the avant of the check. When we use irdomalim fmrm your check to make wede#oie f nduansfer, rods may be withdrawn fro you account as soon as the same day we receive your payment, and you will not receive your deck back from your financial isioAm. The processing d yea payment may be delayed if you seed cash, correspondence or other tans wil h your payment, t you sad to payment b any other address or t you use an envelope other Oran the one provided. Payments received a proper, form al our processM fapity by 5PM loot time on any day will be aedted b your Accart as d Oat day. Payments received at our processing fack ate 5PM local lime, will be aedted b yourAmornl as of the red day. If you have misplaced your envelope, sad you payment b DaUrYer, PO Boo 6103, CarolSiream, IL 80197b1OT. Phaeatbw 7<10daysfordekvery hymn paryo*is returned mpad. we reserve the right to resubmit t as an efectanicEebE You can pay your mirherv m payment or a greater amount over the telephone, and you can set up auhmaoc payments. Cal us A 1-OW-347-2683. You will need the statement and your bank account arbitration. You must ensue bat snA6dad lulls are available in yaw bank account, and at transaction must comply with U.S. law. You w7 be asked to provide On list 5 digits of your axanl etalerern ZIP code. By ehtmig those nurta9 as youreledmnc signature, you will be agreeing to has autarizaien b allow us and your bat to deduct each Parrot you aut om I mm yam bat axnu i and b'rotate debt or aedt entries to your bat accent, as applicable. to corned an error n the processing of such payment You mud het us the amour of each payment or you can select an area" such as the Wrirrum Payrient Due or the New Balance on each statement. You can caned apaymi however we must receive nonce at feast area business; days in advance of tie scheduled paymern. You nay rhealy ne by phone at 1800.347-2683 or by real at the address listed in the previous paragraph. I your payments vary in amour we wil id you an each monthly statement when your payment wt be made ad how much it will be. Your aomrnalic payment aroud may be less than holicaled on the moo t/ stetla enil: based on aedub or payments applied during the oiling cycle. Cradt R*Mtk We may repot information about yourAcmunt b credit beau. Late paynads. missed payments. or other defaLft on your Accent maybe retected in yo r credit report. M7e normally report to stake and payment hM" d yurAcaml b ae t mpMM agencies each month. t you beleve Oral our report's inaccurate ce i corglele, plisase write us at the idowirg address: Disoxi PO Box 15316. Wilmington. DE 19850.5316. Please include your name, address, home telephone number and Accent ranter. Grace Poo lod on Purchases; (at least 2S days} We begin b impose Periodic Finance Charges on al trasac9ms kor to Transaction Data for to transaction shown on your big staemet, unless a transaction is posted to your Account ate to dose of the big period in which t occurs, an which rase we begin to impose Periodic Finance Charges an that transaction ken to unit day of to billing period in which t is posted b your Account. V& confirm to impose Perak Finance Charges until the date you pay yaw rube New Balance, shown on your burg shlemhe - by making payments a recarig 48 - However t you paid tie New Balance on your previous burg statement by to Paynekt Due Date shown on tat big statement, we will not impose Periodic Finance Charges on new purchases. that is. Purchases first appearing on the current biting stakirri or any portion of a new purchase. pad by the Payment Due tab on your commt biting statement Yte cal is 11he'grace period." There s no grace period on balance transfers or cash aMances. As more huly described n the aedion of your Card mntaAgreement ded'His We Apply Payments," we ge eraly apply Payne ns b y=Amoed based m t1emmaW Pacwtipe ftafe applicable to to balance d each transactor; category. The mean that A you do, mh pay the New Beams on to current bOM statement by the Perot Dee Dale shown an that Wing statement. then, depending on the a ouM of your payment and the Annual Percentage Rats on other ba vices, you may not get a grail period on new purchases. klihi Burn Fnarue Charge. We wit charge you a ninarm m FINANCE CHARGE of 5.50 for any being peial in which Panic Fnarice Charges of less than S 5D would otherwise be imposed. Annual Fee O WAacacad ha an annual fee, t whit be bled at the begimig of each anniversary year you Arxi is open. The amour d the fee appeamon the stallrnard when the fee's bled. The annual fee a not refundable unless you notify ku that you wish to, dose your Acoomt withn 30 days of the maing or delivery date of the sblauan on which the fee is billed. You wit receive Ow refund even t your use your Cant during Ova period. - Perbdc Hlnharce Charges, We sat your transactions, nb groups of purchases. cash advances, and balance transfers and then further sort the transactions within each group by tarArnal Penow a Rate. For et®rrgle. purchases su*db a Promotional rate and purchases; subject to a standard rate would be separate groups. Vie eler b Ohoegroups as basaclm cekgories. Al to end d each filing period, we om phlts balances and Perak France Charges for each day of the bitting period for each hahsadm category We use the following equahion lo;orpmAe Periodic France Chages for each trasabon category: (Avenpge Daly Balarel times Nays in burg period) limas (Daly Period; Raley. You na0894 29rce, Charge Summary an your biting stslereht for these amounts. Thm we acid up the Periodic Foam Charges breach transaction rafegay bget the total Perak Finance Charges for yaw Accent. The Average Daly Balance is shown as zero it, because of the grace period, no Periodic Finance Ctwges apply b the balance in a transaction caesgory The Daly Periodic Rate a V3656 of the corresponding Annual Percentage Rate. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Changes. We compute the Average Daly Balance for each transaction category by adding to all is daily balances in a big period for a transaction calegoyr and dividing to but by to rumba d days in die bang period. We compute the daily, balance for each transaction categoy on each day by isl adding to fol saig b the previous days day balance : Imasaci with aTrAwadm Bob of that day as shown on your burg stalanan, unless the transaction a posted to your Account after the dose of the biting period in which it omrs, in which case the hasadoh will be added to the dailybaI as of the first day of the biting period in which 4 is pasted b your Account. fees charged that day and Peak Finance Charges arnhredon to previous days daily balance, and by then subtracting arty credits and payments bet am applied against to balance of the transaction category on that day In ualmtabg the d* balance fa do isl day d the btihg period, we rasider the'previau days daily hatsnce' to have ben your balance for each tray a category on the last day of your previous thug period AlItees charged b yourAOCCurn are added logo sham I pumtme t moacem kabgmy with dw excepboh of Cash Advance TrasacLm Fee Finance Gauges w hicr are added b the applicable cash advance hissacfon ca%Wy ad BaWm Transfer TrasacionFee F nonce Charges which are added to the applicable balance transfer lraheacfiorh catagap. Fa TM (Tilecemwnrtradots Devi a for the Dw4 sblance, plan cat 1-OOF317.7149. Dsonver may monitor ardor record Wephme cats between you ad Dlseuver repesenralves ter quality assurance purposes. 00010 The D scxi rid is issued by Discover Bark Member FDIC PA0210 IGGNS Acccount count nummbberer ending in 8170 DISCOVER n c H , E page 2 of 2 Finance Charge Summary Nominal other Average Daily current billing period: 31 days ncas Daily Periodic Rates ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RATES Periodic F04AINCE CHARGES Fee FMAINCE CHARGES Purchases $559.66 Cash Advances $9,742.14 0.03696% 0.06299% 13.49% V 22.99% 13.49% 22.99% $6-41 $190.22 SO $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 post due. Please pay the past due amount now, or contact us to make other arrangements. - ------ ---------- - - --- ---- ---- 8699292 Questions? Visit www.D''mcover.com or call 1-800-DISCOVER )1-800-347-2683). DISCOVM DISCOVER New Balance Minimum Payment Due Account Number ending in 8170 $10,662.89 1$630.00 Enter Amount Enclosed Below Payment Due Date $ -? Apra 15, 2010 Please make check payable to Discover Card. You are ovedimit. Poy the sum of the monthly minimum payment plus the ovedimit amount of $662.89 20 SDSN6AO1 0012907 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Address, a-mail or ieiephone change? Go to www.Discover.com or print change in space above- Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover conVpapedess. PO BOX 71084 Ill nnllrrrrII#Illsululnl jCHARLOTTE NC 282172-1084+ { ],11,111111111111 n 11"I'll"1111111 ?,??/,1,?Ihllf11,11111111 000001986458512395191106628900000000063000 Opening Date: February 21, 2010 Closing Date: Mar Discover More Card Account Summary Account number ending in 8170 Previous Balance $10,442.61 Payments And Credits 0.00 Purchases + 0.00 Balawa Trunsfers + 0.00 Cash Advances + 0.00 Finance Charges + 181.28 Other fees t + 39.00 New Balance 10,662.89 See Finance Charge Summary section following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available. $0.00 Cash Advance Credit Line $5,000.00 Cash Advance Credit Line Available $0.00 I You may be able to avoid Periodic Finance Charges, see the reverse side For details. t See tronsodion detail for a description of any fees C.Cshback BonuSe Anniversary Month June Opening Cashbock Bonus Balance $ 15.74 New Cashbock Bonus This Period + 0.00 Cashbock Bonus Balance $ 15.74 To 6arn mo e, log in at www.Diwo~.com and seta Rewords ch 20, 2U 1 U page I or t Payment Information New Balance $10,662.89 Minimum Payment Due` $630.00 Payment Due Date April 15, 2010 'Includes past due amount of $421.00 Loft Payment Warning: If we do not receive your minimum - payment by the date listed above, you may 4a:o':: c?y a-late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Defoulf APR of 18.49% variable. Misinum Payment Wamisg IF you make only the minimum payment each period, you will pay more in interest and it will take you kxnger to pay off your balance. For example.- airr#: F:ydit Atd?tfs rx1 Yii1s "I payalF#w V .a 8rvnt? C?+n+D•s 1>wi?.ice shawnors tf?p }esylnsg v? rn9 Ifins card aid tlks slckGmard 1n vshi+iated too-. m6ali:youpay . Only the minimum 61 years $78,097 payment IF you would like inFormation about credit counseling services, call 1-800-347-1121 3 Easy Ways to Contact Us Manage Your Account Online at wwwlNscover.corn 1 Access your account securely at www.Dixover.corn Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER 11-8003A7-?6§31 to down your balance, securely access statements, pay Please have your Discover®ccrd awi- - bilFs online and eas1Tra& a(Ftraruachons 3. Write to us at Discover, PO Box 30943, Make your money worth morel-find easy ways to earn Sall Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the DeaQ NEWT Access your account securely through your assistance, please call 1-800-347-7449- mobile phone Transactions Trans. Post Date Dote 01hsr/Miscallaneous Mar 20 Mar 20 LATE FEE $ 39.00 See reverse side- DISCOVER hnpodad krlem WAA N there is hnae than one page to Nds biding statnaf. sae the bads of each page br ad&OIW n>portant nbnra". See your CardmembecApnwnwt. Your Caidrtienber Agreerners contains all f e kerns of you Amount Lost of sbien cards Report imw&iW CaN 14160.147-2613. BNitg Rights Swrwray. in Case of Errors or CluesEas Abed Your BO: It you 0" your fail is wag, or i you need me w4omna4an about a transaction an you bit, wile b es an a sepa M siheel of paper at Dsoove. PO Bar 30421. Sal Lake Cif, UT 8413040421, as soon as possible. We ? hear from you no War than 0d aver we said you the W bi an give US the MOVIVIg wNc h Be era or problem appeared. You can tekptnee us. but doing so wi not preserve your rights. Your You nano and Amount under. The dollar amount of Ibe suspeded amr. Describe the anon and explain. N you can, why you believe these a an error. N you need more srlon mum describe the dam you are unsure about You do not have to pay any amount .n wque?s?ti-on Oft hie arc imeslg rg. but you we still obligMed to pay to pats d your bill riot are nd in question. While we investigate your question. we orxh0l report you as ddnquad or take any action b cried the amount your Qnestbn. oared Spedat Rule for Credit Cad Purchases: gym have a problem v1fi One qually d goods or services that you purchased wild a credit cent and you have tied n good laih to the problem 1vdb the radiant you may not have to pay the rernworg armed due on, the goods or services You have das praerAan only when the purchase price was more than $50 and to purchase was wade in you here state wh w ? of address. (N we men or operate fie merchant or 6 we nailed you ft advertisement for to goods at services, all purchases; are covered tegodless of the arruint or Payments. Said only your period and the tap patim of the stationed in the envelope provided. Do not sand cash By sending you deck as dewbed above, you atdhoria to to use iilon. k n on your d edt b make an slecilo K ford txWw tom you acourtt at le t wxW wsblotim driveled m you dwdt a b process tie payment as a dma kmwK*m. H payment is promised as an ekdwric lurid transfer, the transfer w7 be for tie amount of the check When we use idomufim from your cunt to make at elecemnc hod karsta, furls may be wilndram kun your aomw as soon as the same day we receive yaw payment, and you wi not receive your check back tram your funnel insfkxtion. The processing d you payment may be delayed if your send wt, onesporidars or Wier tame wild your payment it you send the payment b any other address or i you toe?an.? envelope okra tan the one provided Payments received m papa form as our processing faddy by 5PM brat law on arty day vhf be aediled to you Aaort as of that day Payment received at our processing foklya star 5PM brat hew vw7 be cmdW b yew Aoouit as of le next day. t you have misplaced you envelope, send your payment in, Discover. PO Boor 6103. Caret Stream, t 00197-6103. Please allow?-10 dap for dekvey If you payment is retuned unpaid. we reserve the right to remEmA+t an an eledro is debit You can pay you minimum paythent or a grealer annuit over the telephone, and you can set up a ftriaOC payments. Cat us at 1-006347-2603. You veil need to statement and your bat .amou t ihformabon. You must ensue that su icietd kinds are available in your bane amazed, aril at transactions out amlply wiri U.S- Liw You wig be asked b provide tie Imt 5 6gft d you amwA stalaren ZIP code. By ansairg lose timbers as you eledtanic signature. you wi be agreeing to this autha'vabon to allow us and your bank to do" each payment you aurorae Han yaw balk amount and to Male d" or ae6t errors b your bank amount as applicable, to caned an aka in the processng d Seth pwjmm t You mad led to the amount of each p ymerit or you can select an amunt such as the bbiliirmi Poy iad Duey or to New Balance on each st ile ms You an ca iod a payment however me must receive motive at least has, twsahess dap in advance of the scheduled payne it You may nobly us by O rile at iIMD-347-2683 a d y mail ?o earronaem payment ahn mon1hly statement witan your payment vA be made wid how b bee lesson inyour payments vary in amaA we id on led baud craft or payments applied during the billing cycle. Craig Repairgu yde may report nbnrnim about yourAcokmt b cri del bureaus. Late payments, missed payments. or other defaults on your Amcud aw be retecled in you credit report We rnamaly report to state and paymht hslayolyourAomsd baedl reporting agencies each modh. N you belev?e ?th,,a{,t..er,??r report is sncaaatea irortiplele, pletsewile us at tK kRosirg address: Decow PO Bunk 15316. Mariglon. DE 190566316. Plesse include yon rnarn. address home telephone number and Account mircber. Grace Pa lad an Purchases (at Ind 25 days} We begin b impose Periodic F,in??a.nce Charges on as transactions from the Transacsm Dab for the to sactm stows on your big stalemaK wiles a taneaklm it posted to yaw Account aka the dose d the billing period in whbh i occurs. in wdMdh case vie begin to impose Penodc Firaice Charges an tut pay your a im P Near Balance ka sacim km to flint day of to big period in vdhich N's posted to your Amount ft confirm to nnpose Periodic France Charges urd the a te you the Payinowl ? a? shwwh on your biting siif maml by making payments or rereivig aedls. However, if you pad the New Balance on your previous b" an tad rig stabrm - ova vi net ir4ose Periodic Fierce Charges on new p idiasm, that is. purchases lest appmhng on the current tailing statement or sty parfom of a new purchase. pad by Me Payment Due Dole an your amad bldg sWanent we al M the'gacs period :'There s no gate pained on (slams transfers or cash advances. As tore idly described into seCOOn of your Caidrmntro Agreement Ned *Hm life Apply Payma tier.'vee generaty apply payments b yawAamount based on fre Annsel Percentage Rae Vocable b the balance deach tarsactim alagory. This means OW f you do not pay the New Balance out the current biing statement by lie Fayned Due tole shown on tit farting stafanait tar del 1-9 an the aeiauddyour payment and the Metal Percerdage Rates on other balances, you may not get a grace period on new puchosa- finhkmtrm Fwsnce Charge, We wht charge you a nwwn m FWANCE CHARGE of S50 for any big period in which Periodic Fnahoe Charges of less ban S50 would other se be Imposed. Mwd Fee. N your Account has an annual be. i wi be billed at the beginning of each anniversary year your Account a open. The arro?ud of the fee appeal an the swismat wten the lee a hied The annnel be std refundable unless you ebony us that you vsh b dose your Amount w" 30 days of on makig or delivery date d the sfahanent an vOch the lee is billed You wN oweiveltio ieiude ve i l you use your Card during tut period. Priertc Firapr?ce?C?h.,,a?ryas. We sat your tarsaciao No, groups of purchases. cash advances. and balance transfers and then further sat the tasackas within each group by trek Annual Percentage, Rale. For example, purchases; YAW d b a parakatal role and purchases stbjed to a standard rate wand be separate groups. We refer to these grays as haisecdot alegories. At the cad d each Wig period, vie orrgtde balences and Periodic Fiance Charges breach day of the btltig period for each trasacton category. We use ft folow:g equation b cernp la Periodic Finance Charges nor each tanswb n alegory: (Average 0arty Balance) limes (dap in billing period) apes (Daily Penoaa Rate). You 99SAM"Charge Summary on your big staianerd for tese amounts. Then we add W tie Periodic Finance Charges f7 each tansaktiorh category bgelthe Octal Periodic Francs Chagas l or your Amount The Average Daily Balance is shown as zoo it because of the grace period. no PeSodc FinriLe Charges apply to the balance in a transaction akgay. The Day Periodic Rase is 17365th of the mhapaidrg Aawal Peoanbge Rat. We use the Average Daily Balance (including new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges. We campuie the Average Daly Belanoe for each Iansac.. category by adding up all the daily baprccs in a big period for a taco im category ad dividing the bled by the malber of days it to bang yard We oonpule the dally l I for each transaction ralagay on each day by Nest addrg the btoerg to the previous dayls daily bakarwer tiasacbe s wih a Tessa kin Dal at MA day as showman you biing shtrm0. unless the transar2en is pasted b yaw Amount aka the dose of the bang period in which 6 occurs, in wh eh roe riE hasacam wit be added b the daffy balance as of the lest day of the big period in wtich it is postd to your Amount fees charged that day and Periodic Fiance Charges accrued on the previous day's daily baari and by rah wx' , "' g ayy credits and paymatts that ere applied against to balance of to basactim calegerryt on tsar day. In calculating the daily balance balance for the W day of the Ihiig period, we onsider the pnevriom dells daily bgwve' to have been you balance l or each transaction category on the List day of you previous period. AN fwarch rped to your Acmrd we added b is standard purchase teisaiion cale0ay wrh the exception of Cash Advance Transaction Fee France Charges which ate added b the 'FIN mbleadh adra ce Yarsamouh catgay ad Balance Tra sl r Transaction Fee Finaoe Charges which are added to the appiabfe balance tarsta ttarsackm al egory. Far TDB (TWwmwamieMm Della for tdw Dorf) aatidann, please cant 1400-347-7446. Dscowx may rrionibf anima rerald telephone ads between you and Discover represerhtaives for quality assurance purposes- 00010 The Dscaveu" had is issued by Discover Bank Member FDIC PA02t0 hpaysw HIGGINS, MARLENE DISCOVER q Account number ending in 8170 page 2 of 2 Finance Charge Summary Nominal cow current billing period: 28 days Purchases Cosh Advonces V = Variable Rate Average Daiy ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bakmces Rates RATES RATES CHARGES CHARGES $605.00 0.03696% 13.49% V 13.49% $6.26 $0 $9.924.75 0.06299% 22.99% 22.99% $175.02 $0 Information For You "' A i ENTiON ' `" 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. Go paperless and make your account information more secure with password-protected statements only you can access. Learn more at discover.com/paperiess. 8699292 Questions? Visit www.wmcww.com or call 1-800-DISCOVER (1-800-347-2683(. DISCOVER DISCOVER $ Now ? e 20 SDSN6A01 0012908 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Minimum Payment Due Account Number ending in 8170 $850.00 Enter Amount Enclosed Belaw Payment Due Date May 15, 2010 Please make check payabls to Discover Card. hl h e mont y ovedimt. ay the sum of t You are minimum payment plus the ovsrhmit amount of $906.77 Go paperless and make your account information more secure with password- protected statements only you can access. Leans more at discover.coasfpaperless. PO BOX 71084 111411111111 CHARLOTTE HC 28272-1084 Addr%51 email cw misphone change? 1.,1rii??Itt,ltllrt?lt,lotto.illlt,didtoll t11#1lidrr1,1rr11 Go to www.Discover.com or print change in space above. 000001986458512395191109067700000000085000 -- ----- --- -------- - ------------- ------- 'Opening Dote: March 21, 2010 dosing Date: April 20, 2010 Discover More Card Account Summary I Account number ending in 8170 Previous Balance $10,662.89 Payments And Credits 0.00 Purchases + 0.00 Bolarr_e Tro.4-s + 0.00 Cash Advances + 0.00 Fi ame Charges + 204.88 Other Fees t + 39.00 New Balance 10,906.77 See Finance Charge Summary section following transactions for detailed APR information Credit Line $10,000.00 Credit line-Available- $OAO Cash Advance Credit Line $5,000.00 Cash Advance Credit Line Available $0.00 I 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 Cashbock &muse Anniversary Month June Opening Cashback Bonus Balance $ 1574 New Cashback Boma This Period + 0.00 Redeemed This Period 157A Cashback Bonus Balance $ 0.00 T. learn more, tog in ai www.Die ver.com and select Rewards 3 Easy Ways to Contact Us 1 Access-your occo a l-securely at www.Otscavw.com- 2. Call 1-800-DISCOVER I1-800347-2683) Please have your Discover* card available 3. Write to us at Discover, PO Box 30943, Sala Lake City, UT 84130 For TDD (Telecommunications Device For the Deal) %9W92leose call 1-800.347-7449. page 1 of 2 Payment Information New Balance Minimum Payment Due` Payment Due Date 'Includes past due amount of $630.00 $10,906.77 $850.00 May 15, 2010 Late Payment Warning: If we do not receive your minimum payment by tho date. listed above, you may have to pay _p late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 18.49% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 1k+0u RIp1CA riQ as tivr$ pay off }r01i _ .ItxlAlc e(t. ???" mg ti card and IF*t0101F) rtili rrgiirirade?lof Viz: Only the minimum 61 years $78,596 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 toots like Paydown Planner to create a plan topay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more9"t-find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Trans. Post Bate Dote 01her/Miscellaneous Apr 15 Apr 15 LATE FEE $ 39.00 See reverse side. aSCIOVER WVwtaut Yioneatim. I tore is more then one page b In billing statement, see le back of each page for additional impotent inbmaboo. See your CadmanberAgreen est. Your Card rwnber Agreement contain all the terns of your Accouht Loss or stolen cards. Report krmediately! Cat 114140-1417-26113. Biting Wglb Srsnerry. InCase o Eros Or 4ras9onsAbit Your Bt b yirthnk your bi is mong, art you need more rJonnalOn about a eaeaclon on yourbilk wale bus on a separate shoat of paper at Discover, PO Box 30421, Sall Lake Citg UT 8413M21, as soon as ponble. ft roust hear km you no later Ihan 60 days Ater we sent you the Irst bill art Much the error or p cbkvn appeared. You an telephone us, but doing sh wit not ptemm your rights. In your teller give us the blowing iiomalon: Your narne and Amount number. The dollar anont of the suspected mar. Describe to am and eplars. I you can, why you believe there is an aor. t you need more Wornmfion, describe the tam you are unsure about. You do nd have b pay arryl amount in question while we arekhvedgafrg, bit you are sli obligated b pay to pats of your bit that are not m question. While we inve5tigatE your question, we ran" repot you as deingleft or take ay aclan b Ga1eCt the amount yon queslm. Special Rule for Craft Cad Puwchras: K you have a problem with the quably d goods or sertlkn 14 you psrlesed with a aedit card, and you have tied in good kbu to coned the problem with the ff adna t. you may not have to pay the lefthang ground due on to goods or servirts. You have has protection only when the purchase pia was more than $50 and the purchase was made n you home state or within 100 miss of your mailing address. (t we own or operate the mochan k or it we maned you Be advaasunad for the goods or saw es. all purchases are oovemd regardless rite amouan or bcalorh of purchase) Psynrds. Send only your payrnem and the tap palm of this sfalemerd in the amek]pe provided. Do rd wo cash. By sending yaw deck as described drove, you authonat us to use edmobm on your deck to make an elecloruc ind trstar kin your account at On' , ' hhr¦ehblm mchaW on your deck a b process to payment as a deck traearSan. I paymet is processed as an dedmnic fund transfer. Be transfer will be for the amour d to check. When we use idomotim tam your check to make an eleckow had transfer. tends may be withdrawn kom your amount as sacs as the sarM day we receive you payawk and you will not receive your deck balk from your kwK% f isttrton. The procev ng of your payment may be delayed if you sod cash, carespihdencce or other ions with you papoem4 t you send the payment to any other address or A you use an envelope ago ilm the one provided. Paynrnb nscaned in proper lam al our processig facility by 9% local time on?, ?a,nry,,,d,?a,ry wi be aeftd b your Amount as d tat day. Papoads received at our proossig WcW a? 5PM local Ime wi be aediled b yorrAcmun as dthe coed day. l you have misplaced yourenvelope, send your paymwt b Discover. PO Box -6103,tamtSkeam.11:8119Tb103.Pkaseagir7--lOd yskrdelveryityauryaymentisretunedupaid.wereservetherightbresabmtitasanelecbodcdebit You can pay you rnninrn papneo or a greeter amount ova the telephone. and you can set up auloreic payments. Cal ns,.a,,.t.1..,-13,1.00317-2683. You will need On staserrod and your k. You mss asue that su(dad beds am available in your bank accoud, and all tasar9ms must comply with U.S taw. You will be asked to provide the IW bank account trhfOmaln 5 digits of you amount stalaneol ZIP code. By aterig those mwmbess as your deckmicsig aiue, you will be agreeing to his a twzafon b Am us and you bank b deduct each paprent you atom kern you bank amnt, and to abase debtor credit allies to your bank account, as applicable, b caned an mar n the prooessing d such papnsd. You must 0 us the anhount oteadh payment or you can select an amour such as the Wn mrn Payment Due or me New Balance an each 9tatenlellt You can rancd a papoenk however we cost Foonve noboe at least #a* braises days in adv ce of to scheduled papnsd You may Putty us by phone at 1400.347-2693 or by out a to address teted in to pwous will be made ad how mash 41M1 be. Your alAmuiC payment amqu t nNy rags athen If iyour papnervis ndicated then- h vary in My ncA we bawill lell sed you each ovmt s applied drig your payrnent the Itling cycle be Credit Reporting. YYe may report mlonnabon about your Account to credit baeam late payments. missed papnads. or other defa ft on your Account may be reflected in your credit report. WQ nonnaly report In stabs and papne t history of yourAooo nt baedl h Pr A agencies each month t you believe tat ouc report is kmmra* or ncomptete. piem write us at the btowdrg address: Discover, PO Bole 15316. Wibrgbn. DE 198505316. Pew include you nitre, address, home telephone oniber and Amount rkmuba. Grace Period an pvrchess (at least 25 daysF We begin b inpose Periodic Foam Chagss on at transactions ken ft Trasacton Date for the tasakim shown on your hitting statemert, unless a transaction is posted to your Account alter to dose of the biting period n which t ocmas, in which case we begin to iryose Periodic Fnaoe Charges an that transaction team the hsl day of the big peiod in which il is posted to your Account. We oiOrne b itpasm Periodic Finance Charges until the date you pay you mhe New Balahoe shown on your b ft sfaterlent by making payments or receiving ovcUL However. 4 you pad the New Balarrean your previous disg statsnev by the Paymerd Due Date stown ontst bang stalesnerd wewi not impose Periodic FiromChrges on new purchases, that's, pacuaaa Est appearing on the inert h'6nhg stateunan, orany patron d a new purchase, paid by the Payment Due Dab on your a m it billing stalw at We call this the grace period." There's no grace period on balance transfers; or cash advances As more July desmbed in the Sedlbn of your Cadoan er Agfeane t ltled liow We Apply Pay n nK we grossly apply payments to your Account based on I* Annual Percentage Rate aI I II What I alhoB of each transaction category This nea s gat i you do not pay the New Balaaa on to carer big stalaneal by the Paymad Due Date shown on Nat biding statmert, ten. depaadinng on the anwnt of your payrnad and le Aural Peroadage Rates on obwz balances. you may not get a grace period on now fuCwses- M rknun Finance Charge. We will cage you a mensnrn F11lANCE CHARGE d5.50 ter any billing period In wtrch Periodic Franoe Chages of less than 5-50 world otherwise be noosed Annual tae. t your Acooun has an annual fes. 4 will be hied at to begiroing of each arc iversary yea you Amid is open. The anlput d to be appears an the staterren v*Ieh the lee's bied. The annual fee is nd misdade unless you noWy to that you wish to dose your Account wilts 30 days of mB nailing or deIivery date d the stale nod on wtMch the toe's bled. You will receive to rekmd even ii you use your Cad doing that pitied. Parbdc dMannm Clhagm We sat you taeacb= kto gmgn d purchases, ash advances, and batahce transfers and then Wier sot the transactions wdhn each group by lteirA tual Percentage Rate. For awahple, puschases subject to a promotional fade and purchases a 4sd to a standard rate would be separate groups. We rWw to Ime groups as traewton categories. At the end of each billing period, we owpute balances and Palo& Finauce Chages for each day of the biding period for each trasackm category. We use the folukrig equation to conhpub Periodic Fna ce Chages ter each eareatim category. (Average Daily Balance) hoes (days n big period) tines (Daily Paiodc Rate). You AAMW ce Crags Sunmay on you king statement Ix mesa artho *. Then we add W the P. Franca Cages for each 1msa3m category b gas the btal Paiodc From Chagas for yourAcmurt The Average Daily A I, is show as zero ff because d the grim period, no Periodic Finance Chages apply to the balance in a trasackm category . The Daily Periodic Rafe a MM dine muespm6ng Annual Percentage Rate. We use me Average Daily Balance (including new transactions) mAbd d alatating the balance upon which we irpose Periodic Fbauce Chagas. Vie carnpute theAvaage Daitf Balan..c.mepde?foy each transaction category by adding W all me daffy balalhbGS in a billing period for a taeacton category and dividrg the bbl by The number ddays in the biting period. We othe day bda ce breach trareac " category an each day by bst addng the folawtug b the previous days daffy balace kaeaLlene wits a Trreadon Dale dtel day as shoom an your dig statement unless the tmatdion is posted to your Acownt oW the dos,e. of to Ming period n which itoccurs, in which rase the transaction will he added tome daily balance as d the osi day d to dig priori n which t 1S plated b ywAaaun, fees dhaged trot day and Paio is Finance C eiges accrued an the pneviass days dally balance; and by then subtracting any twits and paynans that we applied against to balance of the tasaction category on mat day. In akknatig the daily baI ter the 4si day d thm billing period, we consider lhe'previas days daily balance' to have been your balance Our each transaction category on to last day of you purms billing Period AI fees dwgW b ywrAcm o are added b to sladar' purchase irre7L/m calbM withle tshoepfon of Cash Adva ce Traosacbm Fee Fnanr C Wages aftch are added to to applicable cash advance trasaclm calapy and Saosae Transler Traealionn Fee Fwwm Chagos wtc h are added b the applicabte balarhce Irasler Yaeacbon akwn For TDD (Tdecawmwdcodum Dwke ter t e Deaf) assldassu. pore an 1400.247-1449. Discover nay maibf adkr rem eleowne ales between you and Discover n pesentatives for quaky assurance purposm 02010 The Discover' ®d is issued by Discover Be* Mwkw FDIC PPMIO DISCOVER page 2 of 2 Finance Charge Summary * Nominal O W Average Doily gaily Periodic NUAL AN PERCENTAGE ANNUAL PERCENTAGE Periodic Fee FINANCE FINANCE E current billing period: 31 days nces Rates RATES RATES 5 CHARGES CHARG Purchases $650.84 0.03696% 13.A9% V 13.49% S7.A6 $O Cash Advances 510,110.84 0.06299% 22.999' 22.99% $197.42 $O V = Variable Rate Information For You - ATTENTION -Your account is seriously past due. Payment of the amount due and arrangements for :vture payments should be made immediately. 8699292 EM?M--tw-1 HIGGINS, MARLENE Account number ending in 8170 Questions? Visit www.Discww.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Bala nce Minimum Payment Due 1 Account Number ending in 8170 DISCOVER $11,148.26 $1,069.00 J Enter Mtourt Enclosed Below Payment Due Data $ June 15, 2010 Please make dieck to Discover Card. You are overlimt. Pay the sum of the monthly overlimit anon of th t l e us p minimum paymen $1 148.26. 20 SDSN6A01 0012909 Go paperiess and make your accord HIGGINS, MARLENE information moresecure with password- 5525 BARBARA DR protected statements only you can access. Learn more at discovercom/papertess. MECHANICSBURG PA 17050-7216 s,lrl PO BOX 71084 1I1 11 ,11 +11 ,1 11111 ,11 1 CHARLOTTE NC 28272-1084 Address, mail or telephone change? ,1111+rrtr list trrtlr+l+rtntr)++II Go to www.Discover.com or print change in space above. 000001986458512395191111482600000000106900 Opening Date: April 21, 2010 - Closing Date: May 20, 2010 Discover More Card Account Summary Account number ending in 8170 Previous Balance $10,906.77 Payments And Credits 0.00 Purchases + 0.00 3alancA Trnnsfers + 0.00 Cash Advances + 0.00 Fiance Charges + 202.49 Other Fees t + 39.00 New Balance 11,148.26 See Finance Charge Summary section following transaflons for detailed APR information Credit Line $10,000.00 Credit Line Available -SOHO Cash Advance Credit Line $5,000.00 Cash Advance Credit Line Available 50.00 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 page 1 of 2 Payment Information New Balance $11 148.26 Minimum Payment Due' $1,069.00 Payment Due Date June 15, 2010 "Includes past due amount of $850.00 Lele Payment Waning: If we do not receive your minimum payment by the date listed above, yo,+ m- have to pay a late fee of up to $39.00 and your purchase AFRs for new transactions may be increased up to the Delaalt APR of 18.49% 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: ?rau>+?stcho Ys4uxr10pay ?tfie ?atrand tpngef: shawst ?xs t! - s4finialadtc?at< . tFNS ? isncf ffNt ft+ismard to triaitlf?rf'?r.. ah Only the minimum 61 years $79,253 par-lit it you would like information about credit counseling services, call 1-800347.1121 Cashback Bonus" Anniversary Month June Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 CasfAiack Bonus Balance $ 0.00 To 6- more, log in as v .0iscover.wm and set«+ Rewards 3 Easy Ways to Contact Us I Access your account securely at wwwMiscover.com 2. Coll 1-8004DISCOVER (1-80.0.347-2683) ble, please ho re your Discovery cardFavaib 3. Write to us at Discover, PO Box 30943, Sob Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please coil 1-800-347-7449. Manage Your Account Online at vwvw.Diswvor.com Access free online tools like Paydovm Planner to create a plan to down your balance, securely access statements, pay- - bi?Cs "online ciid eos? Tract-c iilflrcruacCions - - - - Make your money worth more5m-find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Dab Date Cidw/Miscellaneous May 15 May 15 LATE FEE $ 39.00 See reverse side. DISCOVER Important YtoreBon, tt there 5 more farm one pegs to to billing statement, see the bads of each page l or addAanai ingortad nk m atim. See your Cardmwnber Apram snL Your Cadrember Agreement contain all to tern of your AccwM. Lod or sydm cards. Report imnedanM Call I-OW347.2M Billing Rights Summary. In Case of Emmors or CAmbonsAbout Your Bt If you Pink your bit is wrap, or i you need more information abed a tiansdckorh on your bi, wile b as on a separate shed of paper at Discover, PO Boot 30121, Sant Lake City; UT 84130.0121, as soon as possible. We must Thew ham you no later Man 60 days ally wesa t yon Oe hest d on wtidn the error or praDlem appeared. You an telephone its, but doing so wit not preserve you rights. In your rater, give us the lob" idarrmatow liar name and Account mirriber The dollar amount of to suspected error. Describe to amt and wig aim, I you can, why ram befeve there is an errs. Ifyou mead more idarma§on, describe to item you are manure about You do not have to pay any amount in qumlion wdte ve are invesigafig, but you are still obkgalad In pay the pats of your bill that are rid in question . NRule vie kwestigale your gLmion, we card report you as delinquent or rake any action to called the amount you question. Special Rule for Credit Card Purdases: t you have a problem with to QraWy of goods or services teat you pumdhasal with a credit and, and you have rest in good fah in correct the prdflar vA Ile merchant, you may not trans to pay the remami g amo rt due on the goods or services. You have this pndect on only vten the purchase price seas more than $50 and the purchase was made it your have slde or witch 100 miles of your mailing address. (Il we van or cl erale the merdhant, or dwe mailed you le advuflsemedfor the goods or services, al purchases are omvmd regardless of the amount or location d purchase) Payments. Sand only you payment end the tap portion of this sfatumerd in the envelope proaded Do not send casts By sending W check as described above, you a lhorme us to use ktornaborn on your ceck to make an eleckoric lund transfer tom you amount at the bancia institution ihdcaled on your check or b process the payment as a cede transaction. t payment 'is processed as an elec4aic kid tanskr, we transfer will be for the arourt of le deck. Men we use itormmaisarn tom your deck to maim an elecioi lid tea slar, kids may be %dxkwm ikon your aocanl as soon as the same day vie receive your payment and you wilt not receive you deck balk horn your financial rstiti+lon. The processing of you payment may be delayed if you sad cash, arrespahdence or ofm tarn wM your payment, it you sand ft payment b any other addmss or t you use an mvdope other than Me one provided Payments received in proper bnn d our processing facility by 5PM bah lime on any day wit be credited b your A=unt as al OW day! Payrnerk received at or processing tartly after 5PM local time vA be credited In WAooard as of the next day.1 you have misplaced your envelope, send your papret a Diviner. PO Bas. 6103, CarM3beam. t60197=8103. Phase allcw7-10 days lordeivery: Ityouryayme t is returned unpaid. we reserve the rightb mesubril d as an eledraiodehil. You can pay yam mnnrrn payment or a g after am ml over the telephone, and you can sat up au b aic payment- Cal us at 1-800,917-2613. You vri need m's staiamad and you beer account idnmatim. You must ensue tw sufficient funds are available n your bank awou t, and all barsariors must oompy wiM U.S law. You vvi be asked b provide le 1w, 5 dgib d your arrant slallrnei 2 P code. By emnbrig Mose numbers as your ekkonic signature, you will be ageeirg IoM mahomatim b allow us ad yam book b dedud each payment you athave from your bank account, and to innate debit or credit entries In you bank account, as applicable beamed an error in le proasstg of such payment. You rust let is to smut d each payment or you an select an amounts such as the Mkimmm Payment Due or the New Balance on each statement. You an cancel a payment; howew we mast receive notice at least Tree business days in advance dthe scheduled payment You may no* us by phone at 1400-397-2683 or by mail al the address WW in the previous paragraph. 0 your fayre^is vary a amount, we wit tai you on each no" slateme ht alien your payment will be made and how much it cell be. Your aubmaic paynei arrant may be less than ndicaled on the mmaahy staternat based on cred6 or paynena applied during the billing cycle Credit Mvp x*4life may report information abort your Account in aedl bureaus. Late payments. missed payments. or diva dakhdls on your Account may be ralected in your credit repaid. We normaly report the status and payment history of your Account to as* meporfmg agencies each montlm. N you believe Mat our report is iaoaaale or ibaaplele, phase we us a tle blowcg address: Dismvet PO Boa 15316. Wikmrglah. DE 19850.5316. Please nufude year name. address, hie telephone mo ber and heat mater. Grace Period on Purchases (at lead 25 days We begin b rpm Pwxxk Fna ce Chagas on all trutsaclams from dw Transaction Dal for to karsa " shorn an you billing statement. mleu a transaction, a pasted b WAanunt after to dose of Be blig period in vAnidh t ocan, in which cast we begin In impose Periods Finance Cages on tail transaction Iron the first daydlhe bang period in which it is pooled b your Account. We continue to repose Periodic Finance Charges nnN the dal you pay your woe New Balance shown m your being statement by ma" payments or receiving credits Novrever, it you paid the New Balance on your previous billing stabrient by to Payment Dm Date shown on that billing statme d, we will not repose Periodic Finance Charges on new padmsm, that is. purchases first appearing on the arrest berg 3WlareK or any potion of a new purchase. paid by the Payment Due Dal on your current big statement. Vile call this On Vace period' There a nograce period an balance hasfds a oask adhacss. As more sty described in the semen of your Cardmernber Agreement Wed 'How We Apply Pay raft. x e generally apply payments to your Amount based on IeAnn al Paoatage Rate appicade to Me balance of each transaohiorh category. This seas that d you do no pay the New Balance on to anent twig slAernat by to Parried Due Dal shoes on M billing statemnem, ten, depending on the snort of your payment and the Annual Percentage Raba on other balances, you may nd gel a grace period on new purchases. MIM mrn Finance Charge. We wit cage you a ffw nsm FINANCE CHARGE of S.50 for any bang period in ankh Periodic Finance Charges of lea than $,W would olheiniiise be imposed. Annual Fes. N your Account has an annual W. it wit be bled al to beginig of each anniversary yea ya?Armud is open. The amount of the fee appeal an to slalanad vten the tee is hied. The annual fee is not mdurndable unless you rniy us Mal you wish In dose your grout wifin 30 days of the maing or deWery date of So statame ton Ydich the tae is bled. You wit receive this iefunfeveki i you use your Card ding that period. Perbdk Finance Charges. Vk sod yaw transactions khb groups of purchases, ash advances, and balance taslers ad Men IrMer say the trasar6 whin each group by IwAmrral Pe cenlage Rabe. For eample, purchases subjectba promotional are and purchases sibjed b a standard orb would be separate gaups. We refer b#Mw grails as trarnactiou ralegodes. At the and death berg period, via compute balarcees and Periodic Finamnce Changes for each day of theb&M period fa each transaction malagory . We use to blmig equation to korrpule Pandit Fnmw Charges br each transaction category: (Average Daily Balance) fires (days in billing Period) tirnes (Day Periodic Rat). You fiance Charge Summary an your billing stale n at for lase amorists. Than we add up the Peiiedic France Charges br each trasacomcakgay ingot the (dal Periodic Finance Charges for your Account The Average Dally Balance is stham as zero N. because of the grace period, no Period c Finance Charges apply b the balance in a transaction alegory The Daily Periodic Rate is 106% of the corresponding Amel Percentage Rate. We use the Average Daily Bata ce (ihmrdng mew ""dices) mefrod d alataong le bafarhce upon Wich we impose Paiodc Fnahce Chages. VVe karpute OwAva ige Oak Babnce for each kernadomn ahgM by atkdrg up al le daily balms in a big period for a karmackm allegory and dividing fe bll by to number d days n the big period. We compute the daily balmhoe for each trasackri alegay on each day by fiat adding the blowing into previous days daffy balarcac trasamos wish a Tra saosm Dab of lot day as shal7h on yaw being statement, unless le transactor is posted b yourAoochnl a6w tie dove d fie being period in which it ores, in vtidn rasa the karsacion wit be added to the daily balance as of Me rot day of the billing period in which A is paled to your Account. Am charged that day and Periodic Finance Charges accrued on the p rAms days daily balance; and by #= subtracting any credits and payments that are applied against ft balance d the I amsactiorh cabgay on Mal day In calculating the daily balance for the fret day of the biting period, we consider Me'previom day's dairy balance' to have been you balance breach Va sadim category on the tit day of your Previous being POW& AI yeas dhargW b yam Armutae added b to stadad grdhase transafan algay wtlh fo exeptim d Cash Advance Trassacton Fee FirhaceC arges whin are added in the applicable cash advance kamsa6m category and Balance Trash Trasaction Fee Finance Charges ankh are adrld to to applicable balance traster lea sacim aI gomI For TT)D (TAwarrahmiaNont DrAcefer the Dad) atshfance, plate mall 1200.347-7411. Discover nay mmnaibr amdbr record lielephoneals berwenn you and Discoverrepresentatives for quality assurance purposes. CQU10 The Dwvm* card is issued by Discover Bank, Member FDIC MOM DISCOVER "°°' to DISCM W "rX-A"S' nuMARLENE mber ending Account number in 8170 page 2 of 2 Finance Charge Summary Nominal Other Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 30 days Balinces Rates RATES RATES CHARM CHARGES Purchases $697.44 0.03696% 13.49% V 13.49% S773 $0 Cash Advances $10,306.88 0.06299% 22.99% 22.99% $194.76 $0 V = Variable Rate Information For You "' ATTE NTION "' Your account is seriously past due. Payment of the amount due and arrangements £or future payments should be made immediately. 8699292 Questions? Visit www.Discovw.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER Now 95 20 SDS146A01 0012910 HIGGINS, MARLENE 5525 BARBARA DR ME:CHANICSBURG PA 17050-7216 Minimum Payment Due Account Number ending in 8170 51,298.00 Enter Amount Enclosed Below Payment Due Date July 15, 2010 "bass make check payable to Discover Card. Minimum payment due includes a past due t F Ph d 9 00 f ems one an m . . $1,06 amount o payments must be made by 5:00pm ET far some day slim o pa?ertess and make your account information more secure with password- protected statements only you can access. Learn more at discover.conVpaperiess. {lunrlrlllnrln{?? PO BOX 71084 Hills CHARLOTTE HC 281272-1084 Address, email or telephone 6ange? {1n{i{{nl4131illi,1ln,ln{?i IMI1r11iln111111111.11il1lr,J1 Go to www.Discovw.com or print change m space above. 000001986458512395191114009500000000129800 ----- - - - -- -------------- Opening Date: May 21, 2010 dosing Date: June 20, 2010 Discover More Card Account Summary Account number ending in 8170 Previous Balance $11 148.26 Payments And Credits 0.00 Purchases + 0.00 Bak _. a Trci-&, s + 0.00 Cash Advances + 0.00 Interest Charged + 213.69 Fees Charged + 39.00 New Balance $11,400.95 See Interest Charge Calculation section Following transactions for detailed APR information Credit line $10,000.00 Credit LinwAvailable- $0.00 Cash Advance Credit Line $5,000.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonuse Anniversary Month June Opening Cashback Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To kern more, leg in m w .Discover cons 3 Easy Ways to Contact Us 1 Access your account securely at www.Discovercom 2. Call 1-800-DISCOVER (1-800347-26831 Please have your Discover* card available. 3_ . Write to us at Discover, PO Box 30943, Sob Lake Cfty,17T 84130 (Not a payment address For payments, please send to address on remittance or Discover. PO Box 6103, Carol Stream, IL 601 97-6 1 03 For TDD (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $11,400.95 Minimum Payment Due` $1,298.00 Payment Due Date July 15, 2010 'Includes past due amount of 51,069.00 Lab Payment Warning: IF we do not receive your minimum payment by the date listed above, you may hav- to prrv a Ae_ fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Penalty APR of 18.49% variable. Minimum Payment Wanting: If you make only the minimum payment each period, you will pay more in interest and it wig take you longer to pay off your balance. For example: if you rnTrtrrc><. ..vuv?11pa1taBthd A,r1tlFytittene!'-` dioria}Cb++t `Ri1tAY?<htt ttji-?pifltt?tsrE; mg this=card 8,41 Ifua afciamert tti Y:. lk Ilk h maa16 yalsppy ttboi,f Only the minimum 61 years $79,758 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 credo a plan to Cry down your balance, securely access statements, pay WE online and easily track all transactions • Make your money worth more-find easy ways to earn - - _ " and redeem cash rewards • NEWT Access your account securely through your mobile phone ransac ions Trans. Post Dab Date Fees Jun 15 Jun 15 LATE FEE $ 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 8.54 INTEREST CHARGE ON CASH ADVANCES 205.15 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 2A months of downloodable, password protected 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. i i • Pint a paper copy of your statement anytime. I • Sign up today of McovercoM/paperless I 02010 Dis Bank. M-A- MC PAMC0310 0 0 Transactions Z Trans. Post o (cont.) Daft Date 0 kdanst Charged TOTAL RMREST FOR TtRS PERIOD S 213.69 0 2010 Totals Year-to-Date XX TOTAL FEES CHARGED IN 2010 S 195.00 -i"OTAL INTEREST CHARGED IN 2010 1,192.32 8699292 Questions? Visit www.D''ncmw.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ==b LENE DISCOVER ending in 8170 page 2 of 2 Interest Charge Cakulation Your Annual Percentage Rate (APR) is the annual interest rate on your account" Current Billing Period: 31 days TYPE OF BALANCE A ?11'ERCENTAGE Purchases 13.49% V Cash Advances 22.99% V = Variable Rate BALANCE SWECT TO KFEREST CHARGE MTEREST RATE $7AA.55 $8.54 $10,506.76 $205.15 Additional important hsforrnation Imporlant information, if !here is more !hen one page so ?hn billing htasement see the back of such Doge for additional important infarmanon. Sea your Cordmember Agreemeni. Your Cardmember Agreement contains all +e arms of your Account. Lost or stolen cards. Report immediotelyi Call 1.800-347-2683. What Te Do if Yev Think You Find A Mistake Ors Year Statsheent if you think there is an ."or on your statement, writ. to us ac Discover, PO Box 30421, Salt Lake City, UT 941300421. In your lever, give us the 61lowirg information: Arcourt information: Your name and account number. Collar amount: The dollar amount of the suspected error. Description d Problem: t you think drone is on error on your loll, describe what you believe is wrong and why you believe t is is mistake. - - slabrrenl. You must contact us within 60 days affil die enw appear n:don your You most nohly us of any potential errors in writing. You may call us, but A you do we are net required to investigate any potential errors and you may have to pay the onauni in question. While we irwestigote whether or not there has been hurt error, to following we it- We cannot try to cotect to amount in question, or report you as delinquent on that amount. The charge in qyuestion may remain on your statement, and we may continue to charge you interest on that amount. But, if vro determine that we made a mistake, you wiN not lave to pay this amount in question of arty interest or other fees related to drat amoed- W hit. you do not have to pay the amount in question, you are responsible for the remainder of your bolonce. We can apply any unpaid amount against your credit Ifirnof. Yosn Rights If You Arc Wsswtir;Red With Year Credal Cord Purchases If you are d6satsiied with the goods or services that you hove purchased with your credit card, and you have hied in good faith to correct the problem with the merchant, you may have der right not to pay the remaining amount doe on the purchase. To use this right, oil of the following must be koe: I The purchase mull have been made in your (home stab or withn 100 mile: ol yahn currant mailing aufdrevs, and the >" •rchase phi: ° • _ :h;-; - - - _ - 'ce.,n mo.a tfau $SO. (Note: Neitber a! Iheie are ne?eswry 9H year purch.:se was based on m adverGsemerd we ,nc7ed b you .:. hi we own the company that said you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for der purchase. t all of the cdleria above ore met and you ore salt di-disfied with the punchaw, contact us in writing at Discover, PO Box 309,015, Soh lake City, UT SA 1 300945 Wblr we investigate, the same nuts apply to the disputed amount as discussed above. After we finish our investigation, we win MI you our decision. At that point, il we think you owe sea amount and you do not poy we may report you m delnquenh" -Payments. Send only your payment and the top portion of this slot.mem In the envelope provided. Do nor send cash. 9y sendinrgg yow check ors described above, you authorise us to use Information on your check to make on electronic fd transfer from your account at the (mania) iatiluton sn i is" on your cfwkorb process the paymem as a check transaction. if payment is processed iss on electronic fund transfer, this transfer will be for the orrouns of dw check. When we use information tom yow check b make an electronic fund transfer, funds may be wi rgwn from yout account ors noon *!ho some day_wa receive your payment, and you wig not receive your chxluback fronhh yow &;rini al institution. The processing of your payment may be delayed il you send cash, correspondence or other items with yow payment if end the paymentb arty other address or if you use an e.welope other than the one provided. Payments received in prope form or our processing lamb; 5PM focal time on day well be credited to your Account as of that day. Payments received at our processing facility oiler 5PM local time will Ise credited to your Account as of nest day ill you have misplaced your envelope, send your payment to Discover, PO Box 6 fO3, Card Stream, It 60197-6103. PleaseBlow 7-10 days kr delivery- If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you con set up automatic payments. Cog us at IA00.3b7-2683. You will need this dmemhent and your bank occount information. You must ensure that sufficient tends are available in yaw bank account, and all transactions most comply with U.S. law You will be asked to provide the linst 5 dhgts of your account statement ZIP code. By erdering those numbers as yow elechonk -gnatirris, you will be agreeing to this aut orimlion to allow us and your bank to deduct eoch payment you audrorine from your bank account and b initiate debit or crodd entries to your bank account, as applicable, to correct an error in to processing of such payment You mud Mg us the amount of each paymad or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You con caacei a payment however we must receive notice at least three business days in advance of tee scheduled payment. You may nosily us by phone of 1-806347-2683 or by mail at de address Weil' ts the previous paragraph. If yow payments vory in amount, .leis wig tell you on each monthly skeement when your poymenf will be node and how much It vnll be. Your oulomatic payment amount may be less than inckwed on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information abed your Account b credit bureau& late payments, missed payments, or other defaults on your Account you may be reflected in your credit report. We normally repot de status and payment history of your Account to credit ropartinogencfes each rnhordh. B believe that ourreport is inaccurate or incomplete, please write usd the following oddness: U uover, PO Box 15316, Wilmington, DE 198565316. Please indicate yaw name, address, home telephone number and Account number. Paying Interest: We begin to impose interest Charges on all transactions from the Transaction Date for the transaction shown on your bill-mg slolemenl, unless a transaction is posted a y? r Account after the close of the billing period in which it occurs, in which case vre begin b impose intnest charges on thol transaction from the first day ol the titling period in which it is posted to your Account. We continue to xnpose hdered Charges until the dab you pay your entire New Balance shown on your billing statement by makirg I or receiving credits. If you paid the New Balance on yow previous 61" sKMmem by the Payment Due Date shown on that billing stabmem, we wi 1 not impose Interest Charges on new purchases, that b, purchases flu o ing on de current billing statement, or any portion of a new purchase, pad by the Payment Due Dab on your current bW g ablement. We call this the'groce period" It not less than 25 days. There is ra grace period on bolwhce konsfers or cash advances" As more fully descrbed in ire sectors of your Cordmember Agreement tilled 'How We Apply Payments,' we generally apply payments to your Account based on she APR oppKwbfe to to boM, of oath transaction categoy. This means tai if you do not pay the New Baanceon the torrent blgng statement by the Payment Due Date shown on that bulling strsement, than, daPeading on the" amount of your poymeM and this APlts on aster bolonces, you mayisot go o grace period-an m purchases Minimum Interest Charge. We will charge you o minimum Interest Charge of $.50 for any billing period in which Interest Charges of less than 3.50 would otherwise be imposed- Annual Fee. If your Account has an annual fee, it will be billed rd tea beginning of each anniversary yeas your Account is open. The amount of the fee appears on the statement when the fee is bilged The annual fee is not refundable unless you nobly us that you wish to close your Account within 30 days of the -mailing or delivery dote of the statement on which the fee is billed. You wig receive this refund even g you use yow Cod during tat period. How We Calculate Interest Charges Doty Balance Method (including current transactions): We rgure Interest Chharges for each bl" Ho V V i!tulate your Interest Charges separately for each balance subject to dithrrent terms (for example, sbndard purchases, standard cash advances and eoch purchase, balance transfer and cash advance balance aubjed a promotional terms). We refer to dose bounces as transaction categories. We figure the 'daily balance' for each Imnsoclion category. To get the *doily bdance' we lake the begimng balance far each day, add any new tran-tions and fees and any tweeted Changes accrued on the previous clay's daily balance. We Items bas kxl any credits ad paymeis and make other adjustments {including those adlushr ents required in Ile section Oiled'Pbying IrderesY). In cat the doily bakace for the Fws1 day of she billing period, we confider the 'previous day's daily bolonce' to have been your balance on the lest ay of your previous billing perod. This gives us the dad balance for each transaction category. We figure the Interest Charges on your Account by multiplying the doily bolonce for each transaction category by its daily periodic rob, for each day in the billing period. The tatal Interest Charges for the bilii,g period are tee sum of to daily Interest Charges far each konsaction category for each day during that biting period 'NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER When vve coku64 day, balances, we odd o new transaction as of she Tronsoction Dose shown on rour billing swemere, unless tw transaction is posted to y Ac<curd often the dose of she billing period in which it occurs, in whkh case 16 karssoction will be added to dw doily balance as of M Rrd day of dr let g period in which it is passed to your Account. All fees charged b your Account ore added b dw sbrdwd purchase kan 16. category wish the encepion of Cash Advonsce fees which are added to the applicable cash advance sronsoction category and Balance Tronsler Fees which one added b tw applicable bolance konsslet transaction category. Foreign Currency Fee: 2% of tw U.S. dollar amount of each purchase made in a foreign currency. Penally APRs Each ime you lail b make o payment when due, we may. in accordance with oppicoble low, IQ ternsinaie the ovarlobity of ony introductory/prornotiosal APRs an new transactions, and (ai) increase your APRs for nee' transactions b -rioble Penalty APRs hkh will be deMni- by a"-a up to an oddMonal 3 percenkge points b the otherwise oppkable APR. Your Penalty APR is deterse+wd based on your credwwor"rwu and odwr kxbrs such as your current APRs, cod your account Mstory. If your APRs for new transactions we increased for a late payment, the Penalty APRs will apply irsdefinisely. For TDD (Telecommunications Device for the Deaf) assistance, please call 1400-347-7449. Discover may monitor and/or record telephone tolls between you and Discover represenwives for quality assurome purposes- Me Disco M-A is issued by Discover Bonk, Member FOIC 0lTBK172 Information For You "' ATTENTION "' Your account is seriously past due. Payment of the amount due and arrangements for future payments should be mode immediately. rn 0 zz m a 0 0 o_ N al O T X J 8699292 Questions? Visit www-Discover.cofn or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due $11,651.12 $1,527.00 Payment Due Date August 15, 2010 20 SDSN6A010012911 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Account Number ending in 8170 Enter Amount Enclosed Below $1 Please make check payable to Discover Card. Minimum ment due includes a past due amount .17$ 298.00. Phone and intemef payments must be made by 5:OOpm ET for some account Gapapednxs and make Y. information more secure with password- protected statements only you can access. Lear more at discover comlpaperless. PO BOX 71084 111r,rllots rn1rlll,IILnlrl CHARLOTTE NC 28272-1084 Address, a-mail or telephone change? (.???)Irmlrrimllrf+Irrlrlrrrlll)m„Inrlm+Immlis drrlrIIIrll Go to www.Discaver.com or print change in space above. 00000198645A512395191116511200000000152700 Opening Date: June 21, 2010 - Closing Date: July 11% Discover More Card Account Summary I Account number ending in 8170 Previous Balance $11,400 45 Payments And Credits 0.00 Purchases + 0.00 r B::lc,;Wu Trnusfers + 0.00 Cash Advances + 0.00 Interest charged + 211 17 Fees charged + 39.00 New Balance $11,651 12 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available $0.00 Cash Advance Credit Line $5,000.00 Cash Advance Credit Line Available $0.00 I You may be able to avoid Interest Charges, see Additional Important Information for details. Bonuse I Opening Cashback Bonus Balance New Coshback Bonus This Period Cashback Bonus Balance T. learn more, log in m www.Diseover-mfr Anniversary Month June $ 0.00 + 0.00 _$ - 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Disco~.com 2. Call 1-800-DISCOVER (1-800-347-2683) Please have your Discovers card ovaiiab . 3. Wrile to us at Discover, PO Box 309A3, Soh Lake City, LIT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60 1 97-6 1 03 For TDD (Telecommunications Device for the Deaf) assistance, please cab 1-800347-7449. 2010 Payment Information New Balance Minimum Payment Due' Payment Due Date 'Includes past due amount of $1,298.00 page 1 of 2 $11,651 12 $1,527.00 August 15, 2010 tab Payment Warning: If we do not receive your minimum payment by the date listed i?bc?rw, you mn r have to 09Y a lc de- fee of up to $39.1X) and your purchase APRs for new transactions may be increased up to the Penalty APR of 18.49% variable. Mininurn 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: 1:1ad onw?lpolzakl?ir /4?1rAlt tl clam Yit afroSNaf4h. , i41 s card oriel f?itas?alematmil'ur ietinw?edte_Rdf aE 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 Paydawn Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money w«th moist rtind-easy ways to earn - - am redeem cosh rewards • NEW I Access your account securely through your mobile phone ranso ions Trans. Post Dale Dale Fees Jul 15 Jul 15 LATE FEE $ 39.00 TOTAL FEES FOR THIS PERIOD 39.00 lslerest Charged INTEREST CHARGE ON PURCHASES $ 8.78 INTEREST CHARGE ON CASH ADVANCES 202.39 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected 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. - ?rint a paper copy of your statement anytime. - Sign up today at Discavercom/paperless 02070 Di--- Bank, W-be. FDIC PAPM0310 ---- -------- -- ----- ----- ---- ----------- Transactions Trans. Pod (cont.) Daft Dots Itt/wsd avgsd TOTAL NTEREST FOR THIS PERIOD S 211.17 2010 Totals Year-to-Date 8699292 TOTAL FEES CHARGED IN 2010 S 234.00 --TOTAL INTEREST CHARGED IN 2 10 1,403.19 Questions? Visit www.Discwer.com or DISC*VEIZ call 1-800-DISCOVER (1-800-347-2683). N v z Z 0 0 N m x I nPscom Mcount n tuber en E 121 Account number ending in 8170 DISCOVER page 2 of 2 Interest Charge Cakulation Your Annual Percentage Role (APR) is the annual interest rate on your account. Current Biling Period: 30 days TYPE OF BALANCE Purchases Cash Advances V = Variable Rate ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE 13.49% V $792.21 $8.78 22.99% $10,710.A7 $202-39 Additional Important Information Important Infornsotion. if there is more than one page. this billing statement, :ee the bock of each page for acldii.nal Trap x:-u iniormaton See your Cordmember Agreement. Your Car8mem6er Agreement contains .11 +he terms of your account. Lost or stolen cords. Report immedio a y! Call 1-800-347-2683. What T. Do Of Yeu Think You Fund A Atlaneko an Yoan Stateasent N you think them is an errm ran your statement, write to us or, Discove, PO Box 30421, Sall Lotus City, UT 841300421 In your lener, give us the following informaion: Account information: Your name and account number. Dollar amhount_ The dolor amount of the suspected error. Description of Problem: 1 you think there is an eror on your bell, describe what you believe is wrong and why you believe d is a mistake. ---------mu-st con-- us-w--ithirh6--0 day s --------?o -el -- ----------- ------- You tact islter dro eror a re on your statement. You must notify m of any potential errors in writing. You may callus, but d you do we are not required to investgote any potential errors and you may have to pay the amount in question. Wb1a we investigate whether or not 16ere has beers an error, the following we true: We canna try to collect dro amount in question, or report you as delinquent an that amount. The charge in qquestion may remain on yarn statement, and we may continue to charge you interest on that amount. But, t we determine to we made a miasoke, you wit nhat have b pay the amount in queslior or any interest or other fees related b that amount. While you do not have to pay the amount in question, you ae responsible I'm the rehnainder of your balance. We can apply any unpaid amount against your credit limit roar IGyhta Of You Are Dissothfuod vVah Yaw, credit card Purchases If you ore diuakfied wits the goods « seM- Riot you have purchased with your credit card, and you haw tried in good loish to correct the problem with the merclwnt, you may have the right not b pay the remaining amount due an this pisrchose. To use "right, 01 of the following must be true: 1 T;-, arrchose must have been made in your home stab or within 100 miles of y_-` ?: rent m+iling c Mress, aced !the purchase price must have berm more tan 550. (Plate: tJeitlier of I?tese are necessary it your-pure sole vent based on an odverfisemerd we rnoiled to you « if we own .. the company the sold you the goods or services.) 2 You most have used yar credit cad for dive purchase. Purchases made with cash advances from an ATM « with a check that accesses your credt cad account do rho qualify. 3. You must nor yet have fully paid for the purchase. 1 all of the criteria above me met and you are still dissatisfied with the purchase, contact m in writing of Discover, PO Box 30945, Sale L.6 City, UT 841300945 While we investigate, due same rules apply to the disputed amount as discussed above. After w.e finish our investigation, we will teg you our decision. At tied Pont. if we think you owe an amount and you do not pay we may report you as delinquent. Payments- Send only your payment and the top portion of this statement in the envelope provided- Do not sad cash. By send'ng your check as described above, you authorizem b use information on your check b make an electronic fund transfer horn yow accounted the financial i,hTustiontndkxted on your check a b process tie payment as a check tranaacion t payment is processed as an electronic fund transfer, the transfer will be for the oreoud of the check When wa use informo icm loom your check b make an ebckonic fund transfer, funds maybe withdrawn from yosrr account as soon as the same day we.receive your poymera, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment 4 send tiro payment ta any other address or I you use an envelope other than the one provided. Payment received in prope r form at - procin i. (oc by 5PM local time on any day will be credited to your Account as of tva day. Payments received of our pracessfn9 focg ty aher 5PM bed Taro will be credited to your Account as of the rroxl day. f you have misplaced you envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery. t your payment is raiw wd unpaid, we reserve the right to resubm l it as an electronic debit. you can pay you minimum payinera w a greater amount over the telephorro and you con set up automatic payments. Cal us at 14800347-2683_ You will 'need ibis atobnsem and your bank account information. You moat ensure that sufficient fads are available in yaw bank account, and all transactions most comply wth u.s. law. You wtll be asked b provide du first 5 digits of your account statement ZIP code. By entering t hose numbers m your elechr nic sit Ire, you will be agreeing to this authorization b allow us and your bank to deduct each payment you authorize from your bank account, and to intiab debit or credit stories to your bank account, as applicable, to correct an error in the processing of such payment. You must tell us the onhawd of each payment m you can select an amount such as dhs Minimum Payment Due or the New Balance on each sotament. You can cancel a Payment however we mast receive nolics at least dhres busk.. days in advance of die scheduled payment. You may notify us by phone all 1-806347-2663 or by mail at the address 6W in the prouro sous poragraph- t you paym rats very in amount, we 11 tell you on each monthly statement when your payment will be node and how much it will be. Y uomaric payment amount may be less than indicated on the maahly statement based on credits ce poymeas applied during the 6616.9 cycle. Credit Reporting. We may report Warmmioru o6oul your Account to credit bureaus. tote poymerts, missed payments, ce a" defoule on your Account mmaayy be reffecbd is your crsdt report. We normally report tiro stunts and payment history, of your Account to credit repcAn q agencies each month. If you beiew the our report is inaccurate or incomplete, please write us at the following address: acowr, PO Bax 15316, W.Uingion, DE 19850.5316. Please indicate, your name, address, homer telephone number and Account mrmbm. Paying Interest. We begin to impose InAmest Charges on all transactions from Rue Transaction Dole for else transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which 8 occurs, in which case web 'To in to impose inlereat charges on that traniwclion Ian the, fist clay of tlhe lolling periodm which it is posted b your Account. We continue to impos Interest ges unit the data youpay your Tire New balance shown ors your billwg statensaiat tall moldrg payment a receiving credits. If you poi= IheaNew Balonce on yaw prewiass 6V g aoiamort 6y dee Paym l Due Doe shown on shoe biling statement, we wll na'mhpow Interest Charges on new purchases, that is, purchases firs) oppem. on the urren1616V sobment, or any portion of a new purchase, paid by the Payment Due Dole on your current biking statement. We cell this due 'grace period. it not less tilhon 25 days. There a no grace period an balance transfers or cash advances. As more fatly described in the section of your Cardmenba Agreement tided 'How We Apply Pay-, we genmofly apply paymends to yarn Account based on the APR applicable to the balance of each transaction category. This mean that 61 you do not pay the New Balance on the current 61ing statement by the Payment Due Date shown an that billing stalsmeM, Iron, depending oedheamarst of your payment and-lheAPRs.on ohes balances,-yore may nal.get. gascnperiod-onrhew-purchase, - Mfnitnunl Interest Charge. We will charge you a minimum Interest Charge of f.50 for any billing period in which Interest Charges of leas than $.So would ate- be imposed. Annual Fee. If yaw Account has an annual fee, it will be billed at this bey inning al each anniversary year your Account is open. The amount of the fee appears on tiro sblsnhert when tiro fee is billed. The annuisl fee is not refundable unless you notTy us *ed you wish to close your Accourd within 30 days of the nailing or delivery dale of the statement on which the fee is biled. You wig receive this refund even if you me your Card during time period. .H?o.w,, 1W?e,.?C,i?alccu:-late In# -st Charges Daily Balance Method (inducting current trorheodions): We figue Interest Charges far each billing xrv?•r`r4MV?4tculole your Interest Charges separately I« each balance subiecl to different terms (6r example, standard pwchases, standard cash advances and each puchase, bofarxe trander and cash advance balance subject to promotional terms). We refer to these 6a6nces as hansaclion cabgorim. • We lighre"'doly baance' f« each transaction cow9ory. To gM If s'doily balance' we sake drobeginning balance for each day, add any eonsacion s and fees and any Interest Charges accrued on the previous dais daily bolas t. We then subtract any credits and praymenis aid make all- odjustrnents fiscl cl ng dime adjustments required in the section idsd 'Paying ln*F ar). in calculating the doily balance fa due Est day of the billing period, we consider due 'previous day's doily balance' to have been your balance cm the lost day of your previous 611mg period. This gives us the daily balance tar each transaction category. We ligue the I Ierest Charge. on you Account by mulliplyisg the daily balance for each transaction category by hs day periodic rate, for each day in The being period. The tool Interest Charges for the bilig period me the sum of the doily Interest Charges for each transaction category for each day during that billing period. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER When we okulaw dogy balances, we add a new transaction as of dte Transaction Dole shaven an your billing statement, unless the vamacion is Posbd to your Account ahsr the class of the billing period in which d occurs, in which case the transaclion will be added to the doily balance as of Aa W day of the 6ifwg period is which d is posted to your Account. AN lees charged b your Account arc oddsd to the standard purchase transaction comsory with the -plion of Cash Advance fees which are added to the applicable cash odwtnce transaction category and Balance Tronsler Fees which am added to the applicable balance ionsler transaction category Foreign Currency Iw. 2% of the U.S. dollar anaunt of each purchase made in a foreign currency. Penally APRs Each inns you fa] to makes a payment when due, we may, in accordance with applicable low, lih terminate the a A bi* of any inoroducomy/lsroinegonal APRs on new transactions, and (r'( increase your APRs for new transactions to -uiable Penalty APRs which will be dsMminsed by adding up to an addbor%A 5 percentage paints to the otherwise applicable APR. Your Penalty APR is determined based on your creditworthiness and oiler factors such as your current APRs. and your account history. B your APRs far new transactions are increased for a late paynsent, the Penohy APRs will apply indd nit-*. For TDD (Telecommunications Device for the Deaf) assistance, please coil 1-800-347-7449. Diuover may monitor and/or record telephcuse calls between you and Di-er repre-acui- for quality assurance purposes. The Dixover(9 cord is issued by Dixwer Bonk. Member FDIC OITBK 172 Information For You ATTENTION -Your Your account is seriously past due. Payment of the amount due and arrangements far Future payments should be made immediately. rn v cn z m a 0 0 0 T X v 8699292 Questions? Visit www.Discover.cwn or call 1-800-DISCOVER (1-800-347-2683) DISCOVER New Balance Minimum Payment Due DISCOVER $11,898.93 $1,765.00 Payment Due Date Sepdearber 15, 2010 20 SDSN6A0f 0012912 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Account Number ending in 8170 Enter Amount Enclosed Below $1 _71 Please make check payable to Discover Card. You are overlimil. Pay the sum of the monthly minimum payment plus the overhmit amount of $1,898.93. Go paperless and make your accaed information more secure with password- protected statements only you can access. Learn more at discovercomlpaperfess- PO BOX 71084 Illrrrllrnrenlrlllrulr,Irl CHARLOTTE HC 28272-1084 Address, e-mail or telephone change? 1„!rlir,ln,ri,iLr,L,ln1n„Il11,n,lr,lr,1,J{rrlr,lr,i,l„1! Go to www.Disco~.com or print change in space above. 000001986458512395],91118989300000000176500 -- ------------ - ------- opening Date: July 21, 2010 dosing Dale: August 20, 2010 page I of 2 [Discover More Card Account Summary Account number ending in 8170 Previous Balance $11,651 12 Payments And Credits 0.00 Purchases + 0.00 Balance Tra„slers 4 'I.0+1 Cash Advances + 0.00 Interest Charged + 222.81 Fees Charged + 25.00 New Balance 11,898.93 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit lin.Avoilabls- -$A?0 Cash Advance Credit Line $5,000.00 Cash Advance Credit line Available $0.00 You may be able to ovoid Interest Charges, see Additional Important Information for details. Cashba& Bonuse Anniversary Month June Opening Cashbock Bonus Balonce $ 0.00 New Cashbock Bonus This Period + 0.00 L"ashbe& Bonus Balance $ 0.00 To learn more, log in at www.Oiecover.com Payment Information New Balance $11,898.93 Minimum Payment Due' $1,765.00 Payment Due Date September 15, 2010 'Includes past due amount of $1,527.00 Lam Payment Waning: If we do not receive your minimum payment by the 4cae listed axwe, you me, 'i-ne to p%• _a de _. _ fee of up to $35.00 and your purchase and baonce transfer APRs for new transactions may be increased up to the Penally APR of 18.49% variable. Mirisrurn Paynw* Waning: If you make only the minimum payment each period, you wig pay more in interest and it will take you longer to pay off your balance. For example: fyalr?lct?na Youvrlf palt?Ife 1"?Sta altar fuefonfr sliavYnwlfr i?nyL+g+itiR- - iff?`ceurlaiil statement:it iillaaefes?a1: inorttsltnrs:}3ay OWy the minimum 62 years $80,829 payment If you would like information about credit counseling services, call 1800-347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com I Access your account securely at www.Discover com Access free online tools like Poydown Wanner to create a plan 2. Call 1-8004XSCOVER (1-800-3d7-26831 il bl e d to pay down your balance, securely access stamens, pay ll i d l k l e. car ava a Please have your D)iscover a transact ons ine an easi y trac bills on 3. Write 1_9 us at Dissov_et. PO Box3_0943, UT 84130 (Not a payment address) Sak Lake City morel-find to Bar easy war Mah= == , for payments, please send to address on remittance or ( . and PO Box 6103, Carol Stream, IL 60197-6103 Discover NEW Access your account securely through your . for TDD (Telecommunications Device for the Deal) mobile phone assistance, please cog 1800-347-7449 ransachons Trans. Post Dale Dads Fees Aug 15 Aug 15 LATE FEE $ 25.00 TOTAL FEES FOR TM PERIOD 25.00 krterest aNorged INTEREST CHARGE ON PURCHASES S 9.63 INTEREST CHARGE ON CASH ADVANCES 213.18 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble, password protected 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. I • Sign up today of Discovercom/paperless 02010 Dix - Bank. Member FDIC PAPEE0310 Transactions Trans. Da (cont.) Dom Dam inmmst charged TOTAL !MEREST FOR THIS PERIOD $ 222.81 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 S 259.00 _ TOTAL INTEREST CHARGED IN 2010 i,u26.00 8699292 m v z Z W D 0 0 N m X Questions? Visit www.D6caver axn or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER B Par I* ? HIGGINS, MARLENE Account number ending in 8170 page 2 of 2 Interest Charge Cakulation Your Annual Percents ge Rate (APR) is the annual interest rote on your account. Curretlf BiRilg Period: 31 days TYPE OF BALANCE ??UALPERCENTAGE BALANCE Ea TO 04TEREST CTiARGE WERESF RATE Purchases 13.49% V $840.40 $9.63 Cash Advances 22.99% $10,918.17 $213.18 V = Variable Rate Additional knporlant Information Important Information. If there is more than one page 'o this bitinq statement, see !tie back of a«h page for additional impor coo mforrrhation. See your Cordmeumber Agreement. Your Cardmember Agreement contains all the terms of Your Accounr. Lost or stolen cords. Report immediotely! Call 1-800-347-2683. What To Do of Yau Think You fired A Adstehe On Yew Slakennertt if you think there is an error an your statement, write to us at Discover, PO Box 30421, Sok take city, UT 84I 36D421. In your letter, give us the following information: Account rdonnotion: Your name and account number. Dollar amount. The dollar amount of the suspected error. Description of Problem: If you think There is an error w your bill, describe h Awl you b.li.ve is wrong and why you bar- it is a vaidake. - ------- ------ -- ----------------- - - --------- ------------- ----- --------- --- - - - - -- - - - You must tontocl us w-Wrh 60 days aFller the error oppeorad on your s!olemero. You must notify us of any potential anon in writing. You may cat us, but if you do We ora not required to irnnsigue Dory pdsntiol enen Gad you may have b pay The amount in question. While we investigate whether or not there has been an error, The following are true: We cannot try to collect the omornt in question, or repot ya u as delinquenton Awn amount. The charge mq -sfion may remain an your statenent, and vre may continue to charge you inlered an that amour. Bd,1 we da ormine tat .ee mode a mistake, you wYI not hove to pay the amount in question or any inlmest or o*w lees related to that amount. While you do not have to pay the amount in question, you are responsible f« the remainder of your baloace. We can apply any unpaid amount against your ctelit limit. Your Rights of You Are DiueNsHsd Wbh Your Credit Card Pu?dsasas I you are dissatisfied with the goods o services that you have purchased with your credit card, and you hme tried in good laith b cored the problem with dw merchant, you may hove the right not to pay the remaining cenceat due an Ae purchase. To use this right, oll d"following must be hue: 1 The purchase must hoot been node in yow homeAsaltra within 100 moles of your current m-ira ad:lress, and the purc!x:w price must have - - been mare than 550. (Note: Neither of these are necessary il your purchase was based an an advertisomere we mailed to you ar ilwe own the company Thal sold you the goods or services.) 2. You must hove used you credit card for the purchase. I'mchos is made with cosh advances from an ATM or with a check Auto acassas your credit card account do not qualify. 3. You must not yet have lolly paid for the purchase. If off of the criteria above are met and you are shill dissatisfied with the purchase, contact tts in writing at Discover, PO Box 309,15, Sal take City, UT 841300945 While ova imrsligaie, the some rules apply to the disputed amount a discussed atoms. After we finish oar inwaigation, we will 1.1 you our decision. At that point, if we think you owe an amourt and you do not pay we may report you as delinquent Payments. Send only your payment and the tap portion of this statement in the enwlepe provided. Do not send cash. By sendnsp your check as deecrbed above, you authorize us to use information on your check to make an electronic hod transkr From your mcewt as the financial ' swullo h indicated an your check o I. process due poymenI as a check transaction. t payment is processed as an electronic fund homier, the transfer will be for the amaws of the check When wa_uae informatian Fhroomm ypur c_hgck Iq -ecan elachagi4 fund tr4n_s1F_jwds maybe w4hdrgwrt ham yqur «cougt as saanss thesarrr tlay_wa recafva. your payment, and you ;A nm receive your chk bock from your financial Institution. The pr«essirm8 d your payment nhaT be deloyed 1 you send cosh, caresponderce a other dams with you payrneM if sand the pnyvnent ta arty other address or 1 you use an envelope other than the one provided Payment received in farm at our Procesang )ecr by 5PM local time on day will be credited b your Account as d that day. Paynhsntsreceived ot our processing (achy often SPM lord tune oil be cradled b your Accouo ors of rsemd day. If you how misplaced your emmlope, send your payment to Discover, PO Box 6103, Card Steam, it 60 1 976 1 03. Nose allow 7-10 nary. fordelivery. t your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your nhinirtwm payment or a greater amount over the selephone, and you con set up ostomatic payments. Cal sa at 1 806347-2683. You will need this statement sad your bank account information. You must ensue that sufficient (ands are available in yarr bank occounk and aR 6onsaciara must comply with U.S. law. You wil be asked to provide the first 5 digits of your account stateament ZIP code. By entering those nuenbers a your eleciorric signature, you will be agreeing to this authorization b allow us and your bank to deduct each paymert you oulhorfze from your bank account, and to initial. debit or credit entries to you beak account, as applicable, to correct an error in the processing doff such payment. You rust tell us the amount of each payment o you can select an otnount such as the Minimum Pays M Due m the New Balance an each ookwwo. You can cancel n payment, however ova must r«elva 'notice at least three business days in advance of the schaduled payment. You may notify w by phone of 18 0 6 3 4 7-26 83 or by marl at the address issed in time previous porogropls Y your payment wry in amount, we will tai you on each monikly motement who your payment will be made and how much it will be. Vow ousonwsic payment amount may be less than indicated on the monthly statement based an credih or payments eppied curing the lelCng cycle. Cred'd Resporling. We may repot information about your Account to credit bwears. late payments, missed payments, or other dslouls an your Account may be reflected in you credit report. We normally report the slats and Payment history ofyo u Account to cre& reprtin$ agencies each month. IF you belheve that our report is inaccurole or incomplete , please write us of the Following address Discover, PO Box 15316, Wiwsrgsas, DE 198565316. Please indicate you name, address. home telephone number and Account number. Paying Interest: We begin to impose Interest Charges an all transactions from the, Transaction Date for the tansoction shown on your 6ililing sldeuheM, unless a tronsochon is posted to Your Account after the close of Ina tenting period in which t occurs, in which case we begin to impose insviva on ohm transaction from the first day of the billing period in which it is posted to your Account. We continue to' mthpose Interest Charges until the date you pay your mire New Balance shove an your tiling statement by making =P:- receivirhg credits. If you paid e New Balance on your praviars billing srmement by the Payment Due Dale shown an that billing statement. we it mk wrest Charges on new purchases, that is, purchases first appearrrg on the current tiling sblement, a any portion of o new purchase, paid by the Payment Due Dale on your current tiling ssdemae- We cal tha --ce. aca pa.iod It :is not less than 25 days. There is no grace per' an balance hansfen our cash odvonces As more fully described in the section M=a Cordrr Iser 'Agreement tiled 'How We Apply Payments, we ganerolly apply poymenh to your Account based on due APR applicable b the of each tronsacf- colegory. This means that i do not pay the New 8aknce an the currant bRRrg sbNnunt by the Payment Due Date shown on the baling aaement, then, depeodirg ora 16aantwM d your prsytned oral-tr APRs on other 6alancesryou may not get a grace period on-new p rchosas. - - - - - - -- - - - - - - - - tNf mum Irtered Charge. We will charge you a minimum Inwest Charge of 5.50 hot any billing period in which k"ema Charges .1 1. tan $.50 would otherwise be imposed. Annual Fee. IF your Account has on annul fee, d will be billed m the beginning of each amivenary year yaw Account is open. The amowt of the fee appears on, the statement when the fee is billed. The annual fee is not refundable u lest you rally us that you wish to clogs your Account within 30 rays of the mailing a de[Fmry date of the statement an which the fee is 60ed. You will receive this rehuhd even 1 you use yaw Card during tat paiod. .How W* Calculate Irdered Charges Daily Balance Method (ndadng cu..wd tramractions): We figure InterostCharges Far each billing r O Mulob your Interest Charges separately for each balance subject to differed terms (for example, acurhd-cif pan-, stordad cash ocl-ens and each purchase, balance tromfer and cash advarue balance subject Its pronati-A terms). We refer to these balm em as honsaction cosegoew., We Figure the'doly balance' for each transaction category. To gel the 'daily balance' we take t e bep?mursg baksZ; for each dap, add any new Iransacttona and fees and any Interest Chorgm accrued an the paviau days daily bcA- Wa llsers-subtrocl arty credRs and and make other oditraments {including those od)usiments required in to section lifted *Paying Int-M. In cakukASg to doily b.6. to fast day of the biting period, we consider the 'previous day's logy balance b hove been your balance on the lost day al your previous hiBrg period This gives us the daily 6d6nca For -6 transaction camgory. We lgue the Interest Charges an your Accounr by multiplying the daily balance for each transaction cosegory by its doily periodic rose, for each day I. the billing period The total Interest Charges for the billing period are the sum of the daily interest Charges for each transaction category far each day during tar billing period. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER when we calculate doily bdonces,?gadd a new in komock. m of the Tronaaceon Dole shown on atnlensent, ur lv. the konwdion is pasted so yo!.91 ccount ohm the close of the which it occurs, in which case the transaction will be added b the doh balance as of thefirmsday ci!re period in which it is posted io your Account. All less charged to your Account we added w the smedwd purchase tramacion category with the e-eption of Cosh Advance Fees which we added to the applicable cash advance transaction category and Balance Trawler Fees which ore odded to Ae applicohle balance tronsler transaction category. Foreign Currency Fee: 2% of the US. dollar waount of each pwchose made in a Foreign currency. Penally APRs: Each time you fat b make o payment when due, we may, in occwdwsce wtA opphcable 6w, ii) lwmin tie Ae o-g bey of wry introduceryry/promotional APRs on new transactions, and (u) increme your APRs for new tromocions to variabb Penally APRs which will b. determined by adding up to on adddtolWl 5 percenkMe points to the otherwise applicable APR. your Penally Ault is deternned based art yore creditworthiness pand such inde?eltr as your current APRs, and your account history. t your APRs fur rnew transactions are increased for a We payment, tte Pbna APRs wtl ply For TDD (Telecommunicotwtn Device for the Deaf) assidance, please call 1-800-347-7449• Discowet may monitor and/or record telephone caps between you and Discover represenion- for quokty assurance purposes. i fte DiscowertD card is iswad by Di.- Bank Member FDIC 01 TBK 172 W 0 CO Z m D C?_ 0 _o t? N M x 8699292 Questions? Visit www.Discover emn or W COVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due DISCOVER $0.00 $2,003.00 Payment Due Date September 26, 2010 31 SDSN6A01 0000678 MARLENE HIGGINS 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Account Number ending in 8170 Enter Amount Enclosed Below Go paper!ess and make your account information more secure with password- protected statements only you can access. Learn more at discover comfpapedess. PO BOX 6103 111111111 all 111114111911111 CAROL STREAM 1t it 60197-61103 11"I"11 Address, e-mail or telephone change? I,IlullnttnIlll III A rttirl t t M r I l 11111) lr11 Il111U1Go to www.Discover.com or print change in space above. OOOD01986458512395191000000000000000200300 Opening Dots: August 21, 2010 - dosing Dale: August 31, 2010 Discover More Card Account Summary Account number ending in 8170 Previous Balance $11,898.93 Payments And Credits - 11,898.93 Purchases + 0.00 13 4?nco T-c ,.4er• + 0.00 Cash Advances + 0.00 Interest Charged + 0.00 Fees Charged + 0.00 - New Balance - See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit Una Available $0.00 Cash Advance Credit Line $5,000.00 Cash Advance Credit Line Available $0.00 Cashback Bonus! Anniversary Month June Opening Coshbock Bows Balance $ 0.00 New Cashbock Bolus This Period + 000 Cashback Banos balance $ 0.00 To kern mw*, tog in a www.Discomr wm page 1 of 1 Payment Information New Balance $0.00 Minimum Payment Due $2,003.00 Payment Due Date September 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 $35.00 and your purchase and balance transfer Ai=Rs `nr new transactions ma f 1i0 IMM-23eVi up I- tilt; Ye- acs-APR of 18.49% variable- Manage Your Account Online at www.Discav*r.com • Securely access statements and free online took, pay bills online and track and view all transaction simply and Gasify • Make your money worth moreW-find easy ways to earn .. - and redeem cash _rewards • NEW! Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at www.Disco~.cam 2. Call 1-800DISCOVER (1-800-347-2683) Please have your Discover* card available 3. Write to us at Discover, PO Box 30943, Sob Lake City, UT 84130 For TDD (Telecommunications Device for the Deof) assistance, please call 1-8003.47-7449. Transactions Trans. Post Date Dais Payments and credits Aug 31 Aug 31 INTERNAL CHARGE-OFF $ -11,898.93 Fees TOTAL FEES FOR THIS PERM $ 0.00 btsrsst-charged.-- ---- --------TOTALMEKM-FOILTHISPERIOD----------- -------$-----0-00----_. 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 S 259.00 TOTAL INTEREST CHARGED IN 2010 1,626.00 bdient Charge Calculation Your Annual Percentage Rob APR) is the annual interest rate on your account. ANNUAL PERCENTAGE BALANCE SUI IECT TO INTEREST CHARGE Current thing Period: 11 days RATE Wit) whimsy RATE Purchases 13.49% V $O s0 Cash Advances 22.99% $0 s0 V = Variable Rate Important Informdion. H Akre is more Ihon one poge to"Wing sink-o, nee the back of each page For addionol Imporbne inforaioliaa Continued on reverse side. DISCOER See your Cardrrterober Agreement. Your Corelmernim r Agreement contains all the terms of your Account Lost or stolen cards. Report irrsmediatelyl Call 1-600-347-2683. whet To Do if You Think You Find A Mistake on yew Steterrrent If you think there man orror on your statement, write to us as Discover, PO Box 30421, Soh Lake City, UT 84130-0421 In your letter, give in the following information Account information, Your name and account number Dollar amount- The dollar amount of the suspected error Desrsiphon of problem: of you think there is an errs - your bill, dexnbe whist you believe is wrong and why you believe it is a mistake You must contact us within 60 days obey the error appeared on your statement You must notify us of any potential nrors in writing. You may cop us, but 4 you do we we not required ta investigate any potential errors and you may have a pay the amount in question. While we investigate whether « not there hot been an error, the following are hue We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement. and we may continue locharge you ime-i on that amount 8ut.,f we determine +ar we mode a .nissake, you will not have to pay the amount in question or any inreoof or, other fees related to that amount W6,6 you do not hove to pay the amount m question. 7w ore responsible for,he remoioder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied IrVith You, Credit Card P-.i- es If you are dissatisfied with the goods or services the you have purchased with your credit card, and you hove tried in good faith so correct the problem with the merchant, you may hove the right not to pay the remaining amount due on the purchase To use this right, a8 of the following must be true 1 The purchase must hove been made in your home onto or within 100 miles of your current mailing address, and the purchase price many have been more than $50 (Note: Neither .10.- are necessary of your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goads or services ) 2 You must hove used your credit card for the purchase Purchases mode with cash advances Iron an ATM or with a check that acces- your - -- - credt cord account o not qua)hfy - 3 You must not yet have fully poid for the purchase t all of the criteria above are met and you are still dissatisfied with the purchase, contact us in waling as Discover, PO Box 30945, Sah Lake Cry, UT 841300945 Whale vie investigate, the same rules apply I. A. disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, 4 we think you owe an amount and you do not pay we may report you as delinquent Payments. Send o^hr your payment and the top portjorh ol this ssatemrnf in the envelope provided Do not send cash By sending your check as described above, you autoriloa us b use information on your check b make an electronic ford transkr fiom your account at the financial institution indicated cn your check or o p«su tse paymaM as a check transaction t payment is p«ssssd as rr eleckounC fund tronder, the transfer wig be far the amount of the check When we use'rhiormation lrlnrn your check to make an ekckomc Fund Ironslar, funds may be wilted.awn bons your account as soon as the same day we receive- y ur payment, odd you w11 fat raceive your check back from your financial irulffulion. the processing ol your payment may be delayed t you send cash, correspondence « abet items with year payment, 1 yyou send tae payment to a"Y usher address w t you use an etrhvolops otter !han the ono provded Poyrrhtnh received in popar loam d our pocesung foci - by 5PM 1-al rime on any day will be creel tool b your Account as d tat day Payments received at our p«ess erg bcihly otter 5PM of lima win be credited to your Account m of the nerd toy t your Faye misplaced your enhvelops, and yaw pvymeM ro Discover, PO Box 6103, Carol Shea-, IL 60197-6103 Please alb- 7-10 days tar delivery w,; aoymenl is rewrned urspaid, we rner.rw the right b resubmit h os an r!ech_onic deb7_ _ _ _ _ ---------------- -- ---------- You con pay yaw minimum payment or a greater anhountover the telephone and yaw can set up aubnatic poymenh Cot us of I-600-34i-2683- Youwrii need this statet-t and bandt account information You must ensure that aSciam Fords ate mailable in your bank account, and all troaroctiotss must comply with U 5. low You will be asked b provide the fiat 5 digits olyour account slolemenf ZIP code by ordering tore numbers as your elacuanic sigrahsrc, you vn"M be agreeing b t i outorimhan to aH- us end your bank to ded«t each payment you outarim from your bank account. and to initiate de6B or credit c t tee ro your hawk account, as applicable, to correct on error in the p aces erg d such payment Yas must tell us t e amount of each payrner t or you con select on amount such as the Minimum Payment Due or the New Balance m each slotemenf You con come] a payment, however -e muss receiver notice of least three business days in odvame of the scheduled payment You may notify us by phone at I-806 3 47-2 68 3 or by marl of the address listed in the prwious paragraph. IF your payments vary in amount, we will tell you an each monthly statement when your payment will be made and how much it wil be. Your automatic paymen amount may be loss than indicated on the monthly statement based on credih or payments applied during the billing cycle Credit Reporting. We may report information about your Account to credit 6-us late payments. missed payments, or other defouhs on your Account maybe rellecied in your credi report We normally report the status and payment his" of your Account to credit repo t erg agencies each made Oz- believe tot our report is inaccurate or incomplete, pk k us of the Idlowing address. Discover, PO Box 15316, Wrlminglon, DE 1 98 5053 16 indicate your none, address, home telephone nuns and Account number _ Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Dale for the transaction shown on your bill- erg sotenneat, orders, a honsoction is posted so y«r? Account after the close of the billing period in which it -curs, in which case we begun so impose interest cfharges on that transaction fiom the fist toy of the brlhng period in which it is posted to your Account We continue to n?po?e Interest Chargers until the dote you pay your entire New Balance shown o r you billing statement by making yrnenh or receiving credits if you paid the New Balance - your previous bil ing sinterment by the Payment Due Date shown on that ladling statement, we "I'M impose Interest Charges on new, purchases, that is, purchases litZ177-1919 racan the current log ig sobment, w any poison of a new purchose, paid by the Payment Due Dole on your current billing statement We coil e period ' h is not less than 25 days There is no gr-e pentad on balance comfort or cash advances As more (ally, described in the section d your Cordmentxr Agreement filled 'How We Apply Payments; we generally apply payments o your Account based on the APR applicable to the balance of each kansaction category This means that gym do not pay the New Balance on the content boll ng statement by the Payment Due Date shown on that billing stofeanent, then, depending an 16 amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Minimum Interest Charge- We will charge you a minimum Interest Charge of f 50 For any blling period in which Interest Charges of less than S 50 would otherwise be imposed Antral Fee. R your Account has on annual fee, it will be billed at dhe beg' nrrg of each osmiversary year your Account is open The amount of the lee oppeara on the sosernenl when the fee is billed The annual fee is not refundable unless you notify u, that you wish to dose your Account within 30 day, of the mailing or delivery date of the statement on which the fee is billed You will receive this refund wen 4 you use yaw Card dwiny that period How We Calculate Interest Charges - Daily Balance Method (inducting current transactions): We figure Interest Charges for each filling period To do thr We cokulafe your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash odvames and each purchase, balance hanskr and cash advance balance subject to promotional terms) We refer to txse bobmes as transaction categories We figure the'doly balance' for each transaction category To get the'dody balance we sake the mhing balance far each day, add any thew transactions and lees and any Interest Charges accrued on the pervious day's dolt' butane Wen subtract any credits and paynher+?s and lee other odjustmerds (imludirg terse adjustnhenls required in the suction Mled'Poying Inter.,t'I In calculating this delay balance =the Brst Jay of the biting period, we consider the'prwious doy's daily balance' to hove been your balance on the last day of your peuvious filling period This gives us the doily balance for each transaction category. We ligvre the Interest Charges on your Account by muhiplying The daily balance for each Ironsocrson category by its doily periodic rate, for each day in the bitting period - _ - " - - - - The Intel Infirm Changes for the bailing per T:,3 sere The sum of the daily Interest Charges fo each transectibri cafegory For each day during that - - " bltng perlod When wa calculate daily 6.6--, we add a new transaction as d the Transaction Date shown an fill'' slatemeM, unless the hansoction is posted to yyoauur Account aher the close of the telling potted in which it -curs, in which one the tramaction wig be added o the daily balance os of the first door d the blfirg period in which it is poised to your Account AR fees charged fo your Account ore added to the standard purchase konsoction cotegory wits tae exception of Cash Advance fees which we added to the applicable cash advance bons-lion category and Balance Tronsfer Fm which are ridded to the opplicob6 balance transfer transaction category Forwihv!(-rvsy" Fee: 2% of the U S dollar amount of each purchase made in o foreign currency Penalty APRs: Each time you foil so make is payment when due, we may, in accordance with applicable law, (i) terminate the ovailabtity of any im-ducbry/pomotionoI APRs on new transactions, and (411-,-- your APRs far new transactions o variable ft nahy APRs which will be determined by orersi g up to an addilianal 5 percentage poens to the otherwise applicable APR Your Penalty APR is determined based on your creditworthiness and direr factors such - your current APRs, and your -count hisory If your APRs for new nansactions ore increased for a late payment, the Penalty APRs will apply indefinitely For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor andlm record telephone calls between you and Discover representatives for quality, assuronce purposes The Disc-,O card is issued by Discover Bank Member FDIC O ITBK 172 CO) 0 Z rn D 0 °o N DISCOVER New 0 Balance 31 SDSN6A01 0012913 HIGGINS, MARLENE 5525 BARBARA DR MECHANICSBURG PA 17050-7216 Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at discovercoasrpapertess. PO BOX 6103 111 If gill It fella, 121111114 1 CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? It?lnllnun1lltlrt11111111untllllr,ntiltlluttr)lultAI Go to www.Discover.com or print change in space above. 000001986458512395191000000000000000200300 - -------- ---------- ----------------------- - ------ -------------- Opening Dole: August 21, 2010 - dosing Date: August 31, 2010 Discover More Card Account Summary Account number ending in 8170 Previous Balance $11,89893 Payments And Credits 11,898.93 Purchases + 0.00 BolanQfalfansfors + 0.00 Cash Advances + 0.00 Interest Charged + 0.00 Fees Charged + 0.00 New Balance 0.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available $0.00 Cash Advance Credit Line $5,000.00 Cash Advance Credit Line Available $0.00 Cashback BonuSe Anniversary Month June Opening Cashback Bonus Balance S 0.00 Now Cashbock Bonus This Period + 0.00 Coshback Bonus Balance j 0.00 To learn more, log in at www.Dascover.com page 1 of 2 Payment Information New Balance $0.00 Minimum Payment Due $2,003.00 Payment Due Date September 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 $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the-Pawhy - APR of 18.49% 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 moresm-find easy ways to earn - and redeem cosh rewards • NEW! Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover cons 2. Call 1-800-DISCOVER (1-800-347-2683) Please have your Discoverecard available 3. Write to us art Discover PO Box 30943, Sah Lake City, UT 841 r10 (Not a payment address( For payments, please send to address on rem ittonce or Discover, PO Box 6103, Card Stream, IL 60 1 9 7-61 03 For TDD (Tebcommunications Device for the Deaf) assistance, please call 1-800.347-7449. Transactions Trans. Post Date Dale Payments and Credits Aug 31 Aug 31 INTERNAL CHARGE-OFF j 11,898.93 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Ch-Bed- -101AL1d7HtEST. FOR THtS.PERIOD - - - -$ - 0.00 - 2010 Totals Year-to-Date 8699292 Minimum Payment Due Account Number ending in 8170 $2,003,00 Enter Amount Enclosed Below Payment Due Date September 26, 2010 TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 S 259.00 1,626.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downlooda6le, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Discover Bank. MmAw FDIC I I PAPER 0310 En O W Z m D o_ 0 0 i? is ?c u, 8699292 Questions? visa www.asw.?er.com or DlSC?1/ER call 1-800-DISCOVER {1.800-347-2683). DISCOVER IIP°Y'b Account number ends r? Account number ending in 8170 DISCOV page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Period: 1 l days TYPE OF BALANCE ??U?PERCENTAGE BALANCE INTEREST ECT TO IN1f6CEST CHARGE RATE Purchases 13.49% V $0 $0 Cash Advances 22.99°/ $0 $0 V = Variable Rate Additional Important information Important frhforanation. if there is mom than one page to this billing statement, see the back of each page for additionot impmsont inioruootion. See your Cardmember Agreement. Your Cardmtjmh6er Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What T. De If Yew Think You Find A Atistoke On Your Stahom snr N you think tlhxe is an error on yaw slatemeM, write a us ar. Dix-, PO Box 30421, Sall I.A. City, UT 841300421. In your leier, give us the following information: Account infomalion, Your name and account number. Donor amount: The dollar amount of the suspected error. Description of Problem: If you think there is an error an your bill, describe who you believe is wrong and why you believe it is a mistake. - - _ - - You must conTdct uiwh'tsin 60 ddyiiafrer-OW error oppeoFed on y-cur siaiii nT. - - - - - - - - - - - - - - - --- You must noliy us of any potential errors inavriting You may cal us, bat if you do we are not required to investigate any potential errors and you many have to pay the amore in question. While we investigate wheeler or not there has been an error, the Following are hue: We cannot try to collect the amount in question, or report you as delirquent on the amoumd. The charge in questan may remain on your statement, and we may continue to charge you inlemst m that amount. But, i we detemhiee Thar we made a mistake, you will not have b pay the amount in questiorn or any interest or other fees related to duo amount. While you do rte have to pay else amount in question, you are responsible for the remainder at your balance. We con apply any unpaid amount against your credit limit. Your Rights if You Are Discards" With Your Credit Card Parrkases If you are dissatisfied with the goods or services tai you haw purchased will your credit card, and you ham tried in good Farb to con«t the problem with the merchant, you may have the right not to pay de remaining commit due on the purchase. To use this right, all of the lolbwing must be true- 1. The purchase must have been made in your home slate or within 100 miles of yaw current nocgrg address, and the purchase price must have bean mare den $50. (Note: Nehher of Itis se are necessary if your purchase sum based on an advertisement we mailed to you m 4 we awn the company that sold you the goods or services.) 2. You must have used your crec i card for ate purchase. Purchoses made wits cosh advances Iron an ATM or with a check ter accesses your credit card account do not quality, 3. You must not yet have fully paid fa the purchase. d all of the criteria above are met and you are still dissatisfied with to purchase, contact us in writing at Discover, PO Box 30945, Soil Lk. City, UT 841300945 While we inwstgore, the some rules apply to tin disputed amount as discussed above. After we finish our investigation, we will lei you our decision. At that point, if we dhink you owe an amount and you do not pay we may report you as delinquent. Payments. Send only your payment and the bP potion d rists sbtemeM hn rile smebpe provided. Do rat serhd kcal. fly sendinngg yaw ch«k os descrhbed above, You ourihoirs us b use fnlwmalion an your check to make an electronic fund toorufer from your account at the knancfal isshlutiors inhdcated on your 'check a to process fro payment os a check trop-Son. If payment is processed as-an elecFrank fund transfer, the transfer will 6. far the amasut at else check. When we use informolion ham your check to make on electronic kid transfer, (ads may 6e wilsdrown from your account as soon m the wme day we receive your payment, and you wt) hot receive your check back from you( financial inaRlurion: _ . The procir.mg of your payment may be delayed d you send cosh, conespordeme o other items with your payment, if you end the payment bony other address o 4 you use an emebpe other tan the one provided. Payments received in proper farm at our processing fact ny by 5PM local time an any day will be credited to your Account as of that day. Payments received of our procestxg Facility oiler 5PM local Mrhe will be cradled to your Account m of the nest day. g you have misplaced your ersvebpe, scrod your payment to Discover, PO Box 6103, Card Sireom, If 601197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right b resubmit it as an electronic debit. You can pay your minimum payment or a greater amain ovx the telephone, and you can set up autonwtic payments. Call ha at 14106347-2683. You will need this aclesneM and youor book account infmmafon. You must ensure that sufficient funds are available in your bank account, and all kaessections mat comply with U. S. taw. You will be asked to provide rise first 5 digits of your account statement ZIP code- By entering those numbers as your aieclronic signotmc, you will be agreeing b alas au borizalion to allow us and your bank to deduct each payment you audarim from your book account and to irsiate debit or credit entries b your book account, as applicable, to correct an xror in the processing of such payment. You must tei us 16 amount of each Payment or you con select an annourn such as the Minimum Payment Due m rise New Balance on each stolement. You can cancel a payment however we en st receive notice a Bost dux business clays in advance of she scheduled payment. You may nWTy us by phoned 1-906347-2683 or by Anal at the address listed in the previous paragraph. O yaw poymmtsvary in amounts, we ail MI you on each many statement wh.n yaw payment ail be node and how roach i wa 6e. Yom automatic payment amount may be less den indicated an the monthly statement based an credits or payments applied during the billing cycle- CredR Reporting. We may report information about your Account to credit bureaus, late payments, missed payments, or other defaults on your Account aWy be reflected in your credit report. We normally report rite stolhef and paymanr history oFyour Account to credit reporting agencies each month. d you la %g that our report is kin cu mw a Incomplete, p6ow write us a the blowing address: Dhscwer, PO Box 15316, Wilmington, DE 198565316. Please :indicate your mime, address, home telephone number and Account member. 'Paying bnerest: We begin to impose Interest Charges on all transnctimn from the Transaction Date far the transaction shown on you bifmp sldemenl, unless a uans«tion is posted b your Account aher the close of the billing period in which it occurs, in which case we begin to impose interest charges an that 4ans«6an Irons the first day of the billing period in which it 6 posted to your Account We continue to' mpose Interest Charges until the date you pay your New Balance on your previmss lolling statement entire New Balance shaven con your billing slaleeheM by making poyes«ma o receiving credits. II you paid or by the Payment Due Dale shown an dal toiling statement, w. ail not impose btercsi Charges on new purchases, tat is, purchases firs) asg on else current billing statement, or any potion of a new purchase, paid by the Payment Due Date an your current billing statement. We calf tun the'grau period. i is not less ikon 25 days. Thera is no grace period on bobnce lmarakers or cast advances. A. more holy dsxnbed'n the s«lion of 6.C.. oouuurr Cadrrsn6ar Agreement tilled 'lbw We Apply Payments,' we generally apply pay b Account based on the APR applicable to the 6aloe al each trarnactioa category. This means tat d you do not pay rise New Balance an the.r. billing skibrroM by doe Payment Due Doris shown on that Mi'mg statement, teen, depending on the amount of your po_ymeM and dse_A_PR_s_n aver baloncun,yw may-no gel a raceeriod on nevr Purchases: Minimum Interest Charge. We will charge you a minimum Interest Charge of $ 50 far any bigi g period in which Interest Charges of less than $.50 would otherwise be imposed- Annual Fee. If your Accoml Ian an annual fx, it wig be toiled on the beginning of each anniverSo year yaw Account is open. The amore of the fee appears an the satement when the fee is bilged. The annual fee is not refundable unless you rndiy us also yam wish b close your Account wfthwh 30 days of else mating or delivery date of The statement an which the fee is billed. You will receive this refund even if you use your Card during the period. fH?ow We Calculate Interest Charges Daily Balance Method rnduding current trotnadions): We figure Interest Charges Ion each bitg Zj1 ?ubM your Interest Charges separady for each balance subject to different terms Ifor example, sbndord purchases, standard cash advances and each purchase, balance tronsfem and cash advance bolome subject to promotional terms). We refer b dross balances os monsoclion categories. l he'doiy 6olonce' we take t hs 6aloe fo each day, end arty We figure the 'daily babace' fo each tran==== new transxtiom and Iota and any interest trlooyy a rimy balance. We any credits and payments and make other adrysrments (including those adiuanronts required in the dsd'Paying Ynxesr). In calculating the daily baloace far she frost day of the billing period, we consider to 'previous, toy's daily 6al-e' I. have been your balance on to fast day of your previous billing period. This gives us the daily balance for each transaction category . We figure tic Interest Charges on your Account by multiplying The doily balance for each transaction category by its daily periodic rote, for each day in the biRisg period. The total Interest Charges for the billing period are the sum of she doily interest Charges for each tanaction category for each day during that billing period. NOTICE: SEE REVERSE SIDE FOR thiMPTANT INFORMATION DISCO GIC When we calculate daily balances. we odd a new tramaction as oF the Transocion Dab shown on yow billing sbMneM, unless the fromoction is posted to a Account dter the class of dw Ming period in which a occurs, in which case the transaction will be added w the daily balance as of the first day of the period in which i1 is posted b your Account. AN fees charged to your Account are added to else standard purchase transaction category wills the -epion of Gosh Ad-ce Fees which am added to the applicable cash odvonce Ionsocton category and Balance Tmmbr Fees which are added b the applicable balance kansfer kon-son category. Foreign Currency Far 2% of the U.5 donor amount of each purchase made in a Foreign currency. Penally APRs: Each lime you fort a make a payment when due, we may, in accordance wbh oppkobls law, (i( terminate the awAabiby al ary introductory/promotional APRs on new transactions, and (-a) increase your APRs for new konsoctiam to variable Penalty APRs which will be determined by adding up so on odditiaal 5 percentage points to the oimrwee applicable APR Your Penalty APR is ddermirned based an Your credlworininess and other (actor such as your currenl APRs, and your account history. B your APRs for new, transactions we increased for a lab payment, the Penc y APRs will apply indefinitely. For TDD (Telecommunicatiorns Device for the Deal) assielance, pleom call 1-800-347-7449. Discover may nanila and/or record telephone cells between you and Discover represenbtives for quality assurance purposes. the DiscoverrD card is issued by Discover Bank Member FDIC O 1 TBK 172 M O CO Z m D o_ 0 0 w m m N X 8699292 Questions? Visit W1wwMiscOVOr.cOfll or DISCOVER call 1-800-DISCOVER (1-800-347-2683). OMNI _ r J ?e DISCOVER YOUR DISCOVER* ACCOUNT CARDMEMBER AGREEMENT ................ Pages 1-13 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13. PRIVACY POLICY .........................Pages 13-16 A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 15. BILLING RIGHTS ..........................Pages 16-18 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF COVERAGE ............... Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE ..................Page 25 The terms and conditions of this free travel assistance benefit. 02010 Discover Bank, Member FDIC TL22H.0210 1000M0. 02BOK_7L22H0210_01363 reader.indd 1-2 12/15/09 1:37:03 PM CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discover® Card Account It contains the terms and conditions of your Account, some of which may have changed from earlier materials provided to you. In the event of any differences, this Agreement shall control. We respect your privacy. See the Privacy section on page 10 and our Privacy Policy for additional information. The Arbitration of Disputes section on page 11 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on page 13 describes the procedure you must follow if you desire to reject the Arbitration of Disputes section. DEFINMONS ......................................... .......... 2 USING YOUR ACCOUNT ............................... .......... 2 Your Acceptance of this Agreement .................. .......... 2 Permitted Uses of Your Account ..................... .......... 2 Prohibited Uses of Your Account ..................... .......... 2 Purchases and Cash Advances in Foreign Currencies ..... .......... 3 Cash Advances .................................... ...........3 Balance Transfers .................................. .......... 3 Credit Authorizations .............................. .......... 3 Authorized Users .................................. .......... 3 Unauthorized Use ................................. .......... 3 Your Credit Lines .................................. .......... 4 CHANGES TO THIS AGREEMENT ......................... .......... 4 MAKING PAYMENTS ................................... .......... 4 Promise to Pay .................................... .......... 4 Monthly Billing Statement .......................... .......... 4 Monthly Payment Options .......................... .......... 5 Automatic Billing Arrangements ..................... .......... 5 How We Apply Payments ........................... .......... 5 Minimum Monthly Payment ........................ .......... 5 Skip-A-Payment Offers ............................. .......... 5 Credit Balances .................................... .......... 5 FINANCE CHARGES ................................... ...... 6 How We Calculate Periodic Finance Charges ........... .......... 6 How We Calculate Your Balances .................... .......... 6 Variable Interest Rates .............................. .......... 7 Default Rate ...................................... .......... 7 Cash Advance Transaction Fee Finance Charges ........ .......... 8 Balance Transfer Transaction Fee Finance Charges ...... .......... 8 Foreign Currency Transaction Fee Finance Charges ..... .......... 8 Minimum Finance Charge ........................... .......... 8 Account Set-up Fee Finance Charge .................. .......... 8 FEES ................................................. .......... 8 Annual Fee ....................................... .......... 8 Late Fee .......................................... .......... 9 Returned Payment Fee ............................. .......... 9 Returned Discover Card Check Fee ................... .......... 9 Pay-By-Phone ..................................... ...........9 Research Fee ...................................... .......... 9 DEFAULT AND CANCELLATION .......................... .......... 9 Types of Default ................................... .......... 9 Conse uences of Default ........................... .......... 9 q Cancellation ...................................... .......... 9 PRIVACY AND OUR COMMUNICATIONS WITH YOU ........ ......... 10 Our Privacy Policy .................................. ......... 10 Reporting to Credit Reporting Agencies ............... ......... 10 I I?, 100CM0_02BOK_TL22H0210_01353 reader.indd 3.4 12/15/09 1:37:03 PM Our Communications with You ............................... 10 Releasing Information About Your Account .................... 10 Electronic Notices to You .................................... 10 Notices - Changes to Your Information ........................ 10 CLAIMS AND DISPUTES ......................................... 10 Merchant Disputes .......................................... 10 Claim Notices .............................................. 11 Arbitration of Disputes ...................................... 11 Right to Reject Arbitration ................................... 13 LEGAL INTERPRETATION OF THIS AGREEMENT ...................... 13 Severability ................................................ 13 Compliance with Interest Rate Limitations ...................... 13 Governing Law.. . .......................................... 13 ASSIGNMENT OF ACCOUNT ...................................... 13 DEFINITIONS "Account" means your Discover Card Account. "Authorized User' means any person whom you authorize to use your Account or a Card, whether you notify us or not. "Card' means any one or more Discover Cards issued to you or someone else with your authorization. "Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule is part of this Agreement. "We," 'us' and "our' refer to Discover Bank, the issuer of your Discover Card. You," "your" or 'yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement. The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 N da s after receiving a Card, means you accept this Agreement, including the A itration of Disputes section on page 11. You may, however, reject the Arbitration of Disputes section as explained on page 13. Permitted Uses of Your Account Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment. Your Account may be used for personal, family, household and charitable purposes. 2- Prohibited Uses of Your Account Your Account may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agreement or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in Foreign Currencies. if you make a purchase or cash advance in a foreign currency, it will be converted to U.S. dollars using either a government-mandated rate, a government-published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made. The rate used will be the rate in effect on the conversion date for the transaction, which may be different than the Transaction Date as shown on your statement. We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign currency as described in the Foreign Currency Transaction Fee Finance Charges section on page B. Cash Advances. We may periodically offer you promotional rates on cash advances for the time period specified in the offer, subject to the Default Rate section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. Balance Transfers. We may periodically offer you the opportunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain a promotional rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rate section and may contain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set forth in the Pricing Schedule, if applicable. Balance transfers subject to the promotional rate are referred to as promotional rate balance transfers; balance transfers for which the promotional rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by meads of a coupon after the expiration date. Credit Authorizations. Certain transactions will require our authorization prior to completion. In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. Authorized Users, If you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notifyy us and any Card in that person's possession. You can notify us by telephoning 1-800-DISCOVER (1800-347-2683), or by writing Discover, PO Box 30943, Saft Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to whom it is issued. If a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-800-DISCOVER (1-800347-2683), or by writing Discover, PO Box 30943, Saft Lake City, UT -3- tOOCMO_0280K_TL22H0210_01363_reader.incid 5-6 12115/09 1.37 04 PM i I 34130-0943, You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our invest- igation. Your Credit Lines. We will advise you of your Account credit line. We may impose a lower line that will apply to cash advances, referred to as the cash advance credit line. We may also impose a lower line that will apply to balance transfers, referred to as the balance transfer credit line. You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Account credit line. If you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account credit line. We may increase or decrease your Account credit line, your cash advance credit line or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your available credit will not be increased by the amount of any credit balance. CHANGES TO THIS AGREEMENT From time to time, we may, to the extent permitted by law, change any term of this Agreement. including, but not limited to, an finance charge rate, fee or method of ?7 usng any balance upon which the finance charge rate is assessed, or add or delete any term to this Agreement We will give you notice of the change in the time and manner required by law, which includes 45-days advance written notice in some circumstances. In addition, to the extent required by law, we will offer you the opportunity to reject a change. For example, law requires, with certain exceptions, that we offer you the opportunity to reject an increase in a late fee or the elimination of a grace period prior to the effective date of the change. If you reject a "e in accordance with the instructions in the notice provided, we w dose your Account and you will no Io ger be able to use it for further transactions. You can then pay the remaining balance under the unchanged term. We may also charge any term of any product, service or benefit offered in connection with your Account We will notify you as required by law or by the terms of the product service or benefit MAKING PAYMENTS Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash advances and balance transfers including applicable Finance Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others are using your Account or a Card. If you pay us in other than U.S. dollars, we may refuse to accept the payment or charge your Account our cost to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. If your Account is a joint Account, each of you agrees to be liable individually and jointly for the entire amount owed on your Account We can accept late payments or partial payments or checks and money orders marked payment in fact" or with any other restrictive endorsement without losing any of our rights under this Agreement Monthly Billing Statement We will send you a billing statement after each -4- monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to your Account during the billing period. It will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period. If your prior month's payment is returned unpaid, your required Minimum Payment Due may be higher than shown on your billing statement. See the Minimum Monthly Payment section on page 5. Monddy Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms stated on your monthly billing statement, as well as the payment cut-off time stated in this section, and we will credit your Account in accordance with those terms and this section. Payments received in proper form at our processing facility by SPM local time on any day will be credited as of that day. Payments received in proper form at our processing facility after SPM local time will be credited as of the next day. Automatic Billing Arrangements. If your Account number and/or Card expiration date changes and our records indicate you have automatic billing established with a merchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommend that you verify the merchant has your new Account information. You must contact the merchant directly if you do not wish to continue the automatic billing arrangement. How We Apply Payments. Each billing period, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will apply these excess amounts in order of the Annual Percentage Rate applicable to the balance of each transaction category (as referenced in the Finance Charges section), generally from highest to lowest, beginning with the balance subject to the highest Annual Percentage Rate. Otherwise, we will apply payments and credits at our discretion, irKludin in a manner most favorable or convenient for us. In all cases, we will app?y payments and credits in accordance with applicable law. Minimum Monthly Payment The Minimum Payment Due each month will be the greater of: • the New Balance if it is less than $15; • $15 if the New Balance is $15 or more; or • any past due amount plus the greater of: • 2% of the New Balance (excluding current Periodic Finance Charges and Late Fees) rounded up to the nearest dollar or • current Periodic Finance Charges plus Late Fees plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar. We may also include some or all the amount by which you exceed your Account credit line. We may subtract certain fees to calculate the Minimum Payment Due. The Minimum Payment Due will never exceed the New Balance. Skip-A-Payment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. If you take advantage of this offer and do not make a minimum monthly payment, finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the Minimum Payment Due for the following billing periods. Credit Balances. We will refund any credit balance within seven business -5- 1000M0_02BOK-TL22H0210_01363_,reader.indd 7-8 12115/09 1:37:04 PM 7ays7r0m receipt of your written request. If you do not request a refund, we will automatically refund credit balances greater than %I that remain in your Account after 6 months. FINANCE CHARGES How We Calculate Periodic Finance Charges. We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the billing period in which it is posted to your Account We continue to impose Periodic Finance Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period." There is no grace period on balance transfers or cash advances. As more fully described in the section titled "How We Apply Payments," we generally app payments to your Account based on the Annual Percentage Rate applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purchases. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges or each transaction category: (Average Daily Balance) times (days in billing period) times (Daily Periodic Rate). You may refer to the finance Charge Summary on your billing statement for these amounts. Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is 1/365th of the corresponding Annual Percentage Rate. How We Calculate Your Balances. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing period. We compute the dal balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day as shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of -6- the billing period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance for each transaction category on the last day of your previous billing period. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. Variable Interest Rates. One or more Daily Periodic Rates and corresponding Annual Percentage Rates that apply to a transaction category may be variable rates as set forth in your Pricing Schedule or in any special offers you receive from us. Variable Annual Percentage Rates are determined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points)." For urposes of this Agreement, the Prime Rate is the highest rate of interest fisted as the "prime rate" in the Money Rates section of The Wall Street Journal on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. If you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the same month as the change in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum Payment Due. Default Rate. Each time that you do not make the Minimum Payment Due by the Payment Due Date we may, in accordance with applicable law: (i) terminate the availability of any promotional Annual Percentage Rates on new transactions; and (ii) increase your Annual Percentage Rates for new transactions to variable Default Rates. Each new variable Default Rate for a new transaction is determined by adding up to 5 additional percentage points to the otherwise applicable Annual Percentage Rate and will vary based on any changes in the Prime Rate. (For example, if the promotional purchase rate was 2.99% and the rate for other purchases was 15.99% and you paid late once, the rate for all new purchases could increase up to 20.99% variable and vary thereafter with the Prime Rate.) When we first determine the variable Default Rates, we use the Prime Rate effective for the billing period in which you pay late. The variable Default Rates are determined in accordance with the Variable Interest Rates section. We will base your Default Rate on your creditworthiness and other factors such as your current Annual Percentage Rates and your Account history. If we increase any of your Annual Percentage Rates to a Default Rate, we will send you a notice, in accordance with applicable law, advising of (i) the date the new Default Rate will apply (the 'Default Rate Effective Date"), (ii) the type of new transactions to which it will be applied (note: the new Default Rate will not apply to any other transactions) and, (iii) your right to reject the new Default Rate. New transactions are those transactions which either (i) have a Transaction Date, as shown on your billing statement, of more than fourteen days after we mail or deliver the notice to you or, (ii) if permitted by applicable law, were posted to your Account after the current Default Rate Effective Date. Your Account will not be subject to a Default -7- 1000M0 02BOK T122H0210 01363 reader.indd 9-10 12115/09 1.3;:04 PM Rate for ;he firs twelve billing periods after your Account is first opened. If your Annual Percentage Rate for purchases, balance transfers or cash advances was increased to a Default Rate, we will, to the extent required by applicable law, periodically review your Account to determine if any of your Annual Percentage Rates should be reduced. Any reduced Annual Percentage Rates on new and existing balances may be different and may be higher than your previous standard Annual Percentage Rates for purchases, balance transfers and/or cash advances or any promotional rate. Cash Advance Transaction Fee Finance Charges, Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee FINANCE CHARGE of 5% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of $10 and no maximum. The imposition of Cash Advance Transaction Fee Finance Charges may resuh in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. All forms of cash advances, includiry the use of Discover Card checks, regardless of the purpose for whit 1 used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cash advance transaction category and add up these amounts. Balance Transfer Transaction Fee Finance Charges. Unless otherwise specified in a balance transfer offer, we will charge you a Balance Transfer Transaction Fee FINANCE CHARGE of 5% of the amount of each new balance transfer with a minimum Balance Transfer Transaction Fee FINANCE CHARGE of $10 and no maximum. The imposition of Balance Transfer Transaction Fee Finance Charges may result in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance Transfer Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each balance transfer transaction category and add up these amounts. Foreign Currency Transaction Fee Finance Charges. We will charge you a Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar amount of each purchase made in a foreign currency. The imposition of Foreign Currency Transaction Fee Finance Charges may result in an Annual Percentage Ri1B for purchases that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on purchases for each billing period, we add any Foreign Currency Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of S.50 for any billing period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Account Set-up Fee Finance Charge. If your Pricing Schedule accompanying your Card includes an Account Set-up Fee, we will charge you a one-time Account Set-up Fee FINANCE CHARGE in the amount indicated when we open your Account. FEES Annual Fee. If your Pricing Schedule accompanying your Card includes an Annual Fee, we will charge you an Annual Fee in the amount indicated. We will charge you this fee when we open your Account and at the beginning -8- of each anniversary year your Account is open. The Annual Fee is not refundable, except as provided by law. Late Fee. We will charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period for which we did not receive timely payment. If the sum is $250 or less, the fee is S 19. If it is greater than $250, the fee is $39. Returned Payment Fee. We will charge you a Returned Payment Fee of $35 each time you pay us with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction to a deposit account from which you have authorized us in writing, electronically or orally to periodically deduct all or a part of an amount you owe us under this Agreement is returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission. Returned Discover Card Check Fee. We will charge you a Returned Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. Pay-By-Phone. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account. We will not charge you a Pay-By-Phone Fee. Research Fee. We may charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default You are in default if you become insolvent; if you file a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to us; if you are dedared incompetent by a court or if a court appoints a guardian for you or a conservator for your assets; if you die; if fail to comply with the terms of this Agreement, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of Default If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that Cu yoowe us, we may charge you reasonable attorneys fees and court or otr collection costs as permitted by law and as actually incurred by us, including fees and costs in connection with any appeal. We may delay enforcing or not enforce any of our rights under this Agreement without losing or waning any of them. Cancellation. You may cancel your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that we have provided you. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement If your Account is a oint Account, either Cardmember may cancel the Account, but you will ?oth remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend your Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must -9- tODCMO 02BOK TL22H0210 01363 reader.indd 11-12 12/15109 1-.37104 PM reo:rn any -arc or unused checks :o us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respect the privacy of information about you and your Account. Our Privacy Policy includes a summary of the personal information we collect, when it may be shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement. Reporting to Credit Reporting Agencies. As indicated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account, including negative credit information. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. We normally report to such credit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Our Communications with You. You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to calls we make to collect debts. We may use any medium permitted by law, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, e-mail and calls to your cell phone to contact you about your Account or to offer yyou products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, you must either telephone us at 1400-DISCOVER (1-800-347-2683) or write to us at Discover, PO Box 30961, Salt Lake City, UT 30961-0961 Releasing Information About Your Account We provide various methods by which you can obtain information about your Account. We will only release such information to you, any Authorized User that our records indicate is an authorized buyer on your Account, and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our security measures cannot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristic about you such as your personal identification number, Account number or social security number. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, including monthly billing statements and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices - Changes to Your Information. If you change your e-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683) or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. If your Account is a joint Account, any notice we mail to an address yyou have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a - t0- merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will investigate the dispute. If we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim against the merchant and/or any third party for the credited amount. Upon our request, you agree to provide us with written evidence of such assignment. Claim Notices. In the event that you or we have a claim that arises from or relates to your Account, any prior account you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initiating, joining or participating in any judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ("Claim Notice"), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any supporting facts, and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbitrate. In the event of any past, present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your Account, any prior account you have had with us, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything else to the contrary in this arbitration provision, only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court, if any, unless such action is transferred, removed or appealed to a different court. Governing Law and Rules. Your Account involves interstate commerce and this provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) or JAMS in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, 11 - 10DCM0_02BOK. TL221-10210 01363_readerindd 13-14 12/15!09 1:37:05 PM contact AAA a, 335 Madison Ave, Floor 10, New York, NY 10017-5905, www.adr.org ;phone 1-800-778-7879) or !AMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www.jamsadr.com (phone 1-800-352-5267). No other arbitration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed by both Parties. If neither AAA nor JAMS is able or willing to serve as the arbitration administrator and we and you are unable to agree on a replacement administrator or arbitrator, then a court of competent jurisdiction will appoint an administrator or arbitrator or arbitrators (in the case of an appeal to a panel of three arbitrators as described below). Unless consented to by all parties, no arbitration may be administered by any administrator or arbitrated by any arbitrator that has any formal or informal policy, rule or procedure that is inconsistent with or purports to override the terms of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with respect to which you would not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees and/or other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Costs. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to Discover, PO Box 30421, Salt Lake City, UT 84130.0421. The arbitrator will decide who will ultimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attorneys' tees and court or other collection costs" had the action proceeded in court. In no event will you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court. If requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds S100,000, any party may appeal the award within 30 days to a three-arbitrator panel, which shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Other Beneficiaries of this Provision. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the -12- benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termination of your Account as well as voluntary pa ment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account. Right to Reject Arbitration. You may reject the Arbitration of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the folowing address: Discover, PO Sox 30938, Salt Lake Csry, UT 84130-0938. If you were previously subject to arbitration with respect to any account with us, this right to reject arbitration will not apply to you. Your rejection notice must include your name, address, telephone number, Account number and signature and must not be sent with any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respect to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severability. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with Interest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law. If it is ever finally determined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that you have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law. ASSIGNMENT OF ACCOUNT We may, sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. PRIVACY POLKY We are required by federal law to provide you with a copy of our Privacy Policy each year. tf you have previously notified us about your privacy preferences, as described in Section 4, it is not necessary to do so again unless you decide to change your preferences. -13- 1 ODCMO 0200K T1.22H0210 01363 readerindd 15-16 12/15/09 1 37:05 PM We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace of mind knowing that the security of your personal information is our top priority. We understand your concerns about guarding information about you and your Account. We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these objectives. R includes a summary of the following important information: • A listing of the personal information we collect; • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. It will help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from consumer reporting agencies, and from other sources, such as our Web sites. For example: • We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. • We may obtain information such as Account balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings with us and others. • We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provider, your e-mail address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared with Others? We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer that accepts the DiscoverO Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who may be interested in the offer based on certain characteristics. We will send the offer directly to those Cardmembers on behalf of the retailer by, for example, including an insert in their monthly billing statement or mailing the offer ourselves. We control the information used to make the offer; we do not share the list or any information about our Cardmembers with the retailer. However, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There are, however, circumstances in which we may share the information we collect about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these companies to -14- 1ODCMO-02BOK_TL22HO210_01363_reader.indd 1718 adhere to our privacy standards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose it to others without our prior approval. a. Sharing Personal Information with Our Corporate Family Our corporate family offers a variety of products and services that can help you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. b. Sharing Personal Information with Non-Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third parties, including those that accept the Discover Card, in order to provide you with access to products and services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and non- financial companies, such as retailers. c. Sharing Personal Information with Others We may share the information we collect about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as mailing, market research and data processing; other financial institutions with which we have joint marketing agreements; or companies that are our partners for co-brand credit card programs or reward programs. We may also share such information as permitted by law. 3. How Do We Protect the Confidentiality, Security and Integrity of Information about You? We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need it in order to service your Account or provide products and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process. Where third parties provide support services, we require them to conform to our privacy standards. It is important that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover, PO Box 30943, SaR Lake City, LIT 84130-0943 so that we can update this information. 4. How Can You Limit Sharing of Information About You? We respect your privacy and offer you choices as to whether we may share information about you with others. You have the option to tell us not to share the information we collect about you, as described in Section 1, with non- affiliated third parties. You also have the option to tell us not to share the information we collect about you, as described in Section 1, with companies in our corporate family. If you indicate a preference for either of these options, please understand that you may not receive offers for products and services provided by other companies that could help you lower your costs, maximize your financial resources, or manage your finances. To indicate your preferences, please call us at 1-800.225-5202 or write to Discover, PO Box 30%1, Satt Lake City, LIT 84130-0%1. If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your written request should include your name, address, telephone number and Account 15 12/15/09 1:37:05 PM number(s) and should not be sent wnh any other correspondence. In order to process our request, we require that the request be provided by you directly and not through a third parry. You will need to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain to effect until you notify us otherwise. We will honor your request and not share this information except as permitted by law. For example, federal law permits us to share information about you with consumer reporting agencies, service providers and financial institutions with which we have joint marketing agreements. If you are a new Cardmember, we will not share any information about you, except as permitted by law, for thirty days after we provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you are an existing Cardmember, please understand that you may continue to receive marketing offers directly from other companies that were already in production prior to the processing of your request. This Privacy Policy is provided to the primary Cardmember listed on the Account. However, any joint Cardmember has the right to notify us about ?lflstErences and we will treat that request as applying to the entire Account We do not share information about former customers, except as permitted by law. This notification supersedes all previously issued Privacy Policies. We reserve the right to amend this Privacy Policy from time to time and we will notify you if we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC Insurance Agency, Inc. and Discover Products Inc. Unless otherwise specified, it applies to the family of Discover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered in connection with the service, which will not be shared). It is part of your Cardmember Agreement and provides a further explanation of how we collect and share information. You may have other rights under state laws that apply to this information. Please note that you will also receive privacy notices for other credit card accounts you have with us, as well as other financial products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice. Vermont Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 1-NO-DISCOVER (1-800-347-2683) and authorize us to do so. California Residents- Your state law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. 1. Notify Us in Case of Errors or Questions About Your Bill If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address 16 I 10DCMO_-0280K_TMH0210_01363_reader.6dd 19-20 listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • your name and Account number. • your dollar amount of the suspected error. • describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. 2. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question or report you as delinquent. We can continue to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your Account credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay the finance charges, and you will have to make up any missed payments on the questioned amount In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct 3. Special Rule for Credit Card Purchases 0 you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address, and (b) the purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. 4. Purchases Made with Checks or Cash Advances The Special Rule for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality of goods or 17 12115109 1 37.05 PM I services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE DiscoverO Cardmembers are provided with $500,000 Scheduled Air Travel Accident Insurance.* You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card (as defined below) will be automatically insured against Accidental Loss of Life arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft or a conveyance operated by a military transport service or riding as a passenger in or entering or exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately preceding the departure of a Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the arrival of a Schodule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIMIT OF INSURANCE: If more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of insurance ($20,000,000) per Accident. If an Accident results in Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limit of insurance will be divided proportionally among the Insured Persons, based on each applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from any one Accident, the Company's liability for all such Losses will be limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Life. Benefits will be riroportionately divided among the Insured Persons up to the maximum mit of insurance. DEFINITIONS: Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard. Accidental Bodily IniuryL 1 means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this policy is in force. Account means a Card account. Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account. Card means the Discover Card. Cardmember means the holder of the Card whose name appears on the credit card. Company means the Federal Insurance Company. Covered Trio means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account. t8- I 1ODCMO_0280K_T-221-10210_01363_reader.indd 21-22 De endent Child or Children means those children, including adopted chi dren and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: (1) under the age of 19 and reside with the insured Person; (2) beyond the age of 19, permanently mentally or physically challenged and incapable of self support; or (3) under the age of 25 and classified as full-time students at an institution of higher learning. Domestic Pazhler means a person who: (1) is at least 18 years of age and competent to enter into a contract (2) is not related to the Insured Person by blood; (3) has exclusively lived with the Insured Person for at least one year prior to the date of enrollment; (4) is not legally married or separated; and (5) as of the date of enrollment, has with the Insured Person at least two of the following financial arrangements: (a) a joint mortgage or lease; (b) a joint bank account; (c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a financial institution. Neither the Insured Person nor the Domestic Partner can be married to, nor in a civil union with, anyone else. Hazard means the covered circumstances for which this insurance is provided as stated in Section III of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Description of Coverage. Insured Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. Loss means the Loss of Life. Loss of Life means death, including clinical death determined by the local governing medical authorities. Policyholder means DFS Services LLC, the entity responsible for the payment of premium. Scheduled Aircraft means an aircraft owned and/or operated by a Scheduled Airline. Scheduled Airline means an airline which is either of United States registry and certified by the United States government to carry passengers on a regularly scheduled basis or of foreign register and approved by the United States government and the appropriate foreign authority. War means hostilities following a declaration of War by a government authority. If there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFITS: If the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdown of any Scheduled Aircraft or conveyance in which the Insured Person was covered as an occupant, it will be assumed, subject to all other terms of the policy, that the Insured Person has suffered Loss of Life covered under this policy. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising from a covered Hazard. ELIGIBILITY: This insurance plan is provided to Insured Persons automatically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmember's Account while the insurance is effective. It is not necessary for you to notify the Policyholder or the Company when Scheduled Airline tickets are purchased. EFFECTIVE DATES: Your insurance under this insurance plan is effective on the later of: 1) April 1, 2007; or 2) the date you become an eligible Cardmember. Your insurance coverage under this insurance plan will cease 19- 12/15/09 1:37:06 PM an the ear!,er of: (t; the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember. COST. This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Policyholder pays the full cost of the insurance. THE BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by you. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) your spouse; b) your children; c) your parents d) your brothers and sisters, e) your estate. All other indemnities will be paid to you. If you wish to change your beneficiary, you may request a beneficiary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at BeneficiaryrequestOTheDirectMG.com. EXCLUSIONS: This insurance plan does not cover Loss resulting from: (1) an Accident occurring while an Insured Person is in, entering, or exiting any aircraft owned, leased or operated by this Policyholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (2) an accident while an Insured Person is in, entering, or exiting any aircraft while acting or training as a pilot or crew member (this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency); (3) emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (5) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Loss covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the loss. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than one year after the deadline to submit complete proof of Loss. CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of Loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of the policy. ARBITRATION: In the event of a dispute under this policy, either the Company or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each select an arbitrator. The two arbitrators will select a third. If they cannot agree within 15 days, either the Company or the Insured Person may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured Person's principal residence. - 20 10DCM0_0290K_TL22H0210_01363_reader . indd 23-24 IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-800-CLAIMS-0 (1-800-252-4670). You can also go to the Company Web site (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number. 1-800-30D-2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Complete policy provisions are contained in the Master Policy, which can be obtained from the Policyholder: Policy #9906-18-06 Policy Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a member insurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, N107061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discover'& Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a vehicle for 31 consecutive days or less (or 45 days under certain circumstances described below) with your Card (as defined below), you may be eligible for benefits under this coverage. Excess Collision Damage Waiver is an insurance program, underwritten by Federal Insurance Company Policy #9906-17-63 (the "Policy"). DEFINITIONS: Account means a Card account. Actual Cash Value means the cost to repair or replace the Rented Automobile at the time of loss, less depreciation. Cardmember means the holder of the Card whose name appears on the credit card. Card means the Discover Card. Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling ob)'ects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion. Comoanv means the Federal Insurance Company. Insured means Cardmembers and authorized users of the Account. Poll' er means DFS Services LLC, the entity responsible for the payment of premium. Rental Agency means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automobile means a four-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented -21- 12/15/09 137:06 PM utorrobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: • The Collision Damage Waiver Coverage is provided to you, as an Insured, automatically when the entire rental fee for the Rented Automobile is charged or debited to your Account. It is not necessary for you to notify the Company at the time the rental fee is charged or debited to your Account. • You must decline the Loss/Damage Waiver offered by the vehicle Rental Agency. • You must rent the vehicle in your own name and sign the vehicle rental agreement/contracL • The coverage period will not exceed 31 consecutive days, or 45 consecutive days of the Insured is an employee of an organization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Policyholder as required, and subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis either the Insured or the Rental Agency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liability will be for a maximum reimbursement of $25,000. In no event will the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency. • If you or an Insured's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible amounts not covered by other insurance. • This coverage is not all-inclusive, which means it does not cover such things as personal in'urryy or personal liability. It does not cover you for any damages to other vehicles or property. It does not cover you for any injury to any party. WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHIILES: Off-road, antique or limited edition motor vehicles; trucks; recreational vehicles, campers, pickup trucks, and mini-buses; limited edition motor vehicles or high value, exotic, high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds $50,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured for 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented anywhere in the world. • Coverage is not available where prohibited by law. WHAT IS NOT COVERED: Coverage does not apply to loss resulting from the following: • Any dishonest, fraudulent or criminal act of the Insured. • Forgery by the Insured. • Loss due to war or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination. • The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physician. • Use of the Rented Automobile to carry passengers and property for hire. • Use of the Rented Automobile by a person other than the one authorized -22- to operate the Rentea Automobile by the terms of the Rental Agreement. • Loss of use of the Rented Automobile. • Intentional damage to the Rented Automobile by the Insured. • Damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure. • Damage to tires unless the loss is coincident with a covered loss. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apply: (1) the period of insurance coverage will not exceed 31 consecutive days, or 45 consecutive days if the insured is an employee of an organization which has provided the Card to the Insured for business use; and (2) the insurance provided by this plan will be excess over any other valid and collectible insurance covering the Rented Automobile. However, the insurance provided under this plan may be primary if spedfically provided for under the terms of this plan and if the following criteria is met: (a) the Rented Automobile is rented for use outride the United States, its territories and possessions; (b) the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (c) the Rented Automobile is rented without a driver, HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the event of a claim, written or verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-BWCLAIMS-0 (1-800.252-4670). You can also go to the Company Web site (wwwchubb com), dick on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number. 1-800-300-2538 CLAIM PROCEDURE: The insured must send the Company written notice of a claim, including the Insured's name and Policy number, within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or its authorized representative: • A copy of the Account statement showing the automobile rental transaction. • A copy of the automobile rental agreement. • A copy of the police report. • A copy of the initial claim report submitted to the automobile Rental Agency. • A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible. • Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance carrier(-). • If no other insurance is applicable, a notarized statement from the Insured to that effect. -23- IODCMO_0260K_TL22HO210_01363_reader.indd 25-26 12115109 1:37:06 PM Reminder. Please refer to the insurance Disclosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative statement to eligible insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in the master policy on file with DFS Services LLC, herein referred to as the Policyholder. If a statement in this Summary of Coverage and any provision in the policy differ, the policy will govern. Policy Underwritten By Plan Administrator Federal Insurance Company ("Company") The Direct Marketing Group, Inc. a member of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 Master Policy Number: 9906-17-63 Effective date of benefits: Effective April 1, 2007, this gguide replaces all prior disclosures, program descriptions, advertising, andlor brochures by any party. Policyholder and Company reserve the right to change the benefits and features of these programs at any time. Cancellation: Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. If Policyholder does cancel these benefits, you will be notified at least 60 days in advance. If the Company terminates, cancels, or chooses not to renew the coverage to Policyholder, you will be notified as soon as is practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than the Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds andlor damages under or arising out of this coverage. These benefits do not apply if your Card rivileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Account is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefts: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an Insured will be void if, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any fraud or false swearing by the Policyholder or its subscribing organization(s) relating hereto. 24 - Addition of New Insureds: All eligible persons,will be automatically insured under this Policy. Examination Under Oath: It is a condition of this insurance that the Insured and the Policyholder, as often as may be reasonably required by the Company, will submit, and within its power cause others to submit, to examinations under oath and will produce for examination all writings, books of account, bilk, invoices and other vouchers, or certified copies thereof if originals are lost, at such reasonable time and place as may be designated by the Company or its representative, and will permit extracts and copies thereof to be made. No such examination under oath, examination of documents or any other act of the Company, its employees or representatives in connection with the investigation of any loss or claim will be deemed a waiver of any defense and such acts shall be deemed to have been made or done without prejudice to the Company's liability. No Benefit to Others: This coverage will in no way inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. Subrogation: It is a condition of this insurance that if the Company pays the Insured for a loss, it will require the Insured to assign and transfer any claim or right of action against any individual, firm or corporation for such loss to the Company or subrogate or hold in trust all such rights to the extent of the amount paid. The Insured will agree to take action as requested by the Company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company. Arbitration: In the event of a dispute under this policy, either the Company or the Insured may make a written demand for arbitration. In that case, the Company and the Insured will each select an arbitrator. The two arbitrators will select a third. if they cannot agree within 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured's principal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The Global Traveler's Hotline provides Cardmembers and their families a wide range of free travel assistance benefits. It is operated by AXA Assistance USA, Inc. Visit Discovercard.comltravel to learn more. Eligibility. You must be a Cardmember whose Account is in good standing, the Cardmember's spouse or dependent child traveling with the Cardmember or an Authorized User of an Account in good standing. Third-Party Charges. Global Traveler's Hotline is not insurance, so you will be responsible for all third-party fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services may not be available in all areas. Call us at 1-MDISCOVER (1-800-347-2683) for assistance or if you have questions about a specific destination. Outside the U.S., call us collect at 1-801-902-3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided by third parties. The services and these terms and conditions are subject to change without notice. 25- tODCMO_0280K_TL22HO210_01363_reader.indd 27-28 12115:09 1:37:07 PM NPEB4RP5-01 REPORT-06 DATA CENTER - COLUMBUS REPORTINC.DATE 05/29/20 BATCH REFERENCE NUMBER: 415000079 MAIL CODE: 7208 INTERVIEWER: 0102584 ACCOUNT 9802460104763 ORIGINAL INFORMATION D I S C O V E R F I N A N C I A L S E R V I C E S TM SALE DETAIL REPORT CAMPAIGN DHO FOR AGENCY 34 INNOVATIVE MARKETING STRATEGIE LEAD NAME TITLE FIRST MI LAST SUFFIX MARIMFE 7-1IGGINS ADDRESS 1 `i525 3ARBARA R ADDRESS 2 CITY MECHANIPSBU STATE PA ZIP 17050-7216 PHONE. 3891 CREDIT LIMIT 500 CALL INFORMATION SPORE TO: SPOUSE CALL DATE 05/27/2004 CALL TIME 1641 53 VERIFIED: 3 SUPERVISOR: TSR INDICATOR: DO NOT SOLICIT CANCEL: FEATURE OPTION PLASTIC OPTION- 0 PAGE NO: 1683 RUN DATE 05/29/20 RUN TIME 00 52 22 NAME AND ADDRESS CHANGES LEAD NAME TITLE FIRST MI LAST SUFFIX 1 ADDRESS 1 ADDRESS 2 CITY STATE ZIP: - PHONE: ( ) - ADDITIONAL SALE INFORMATION TITLE FIRST MI LAST SUFFIX AUTH USER: ANTHONY M HIGGINS SPOUSE: 1 PRODUCT SALE CYCLE CODE: SOCIAL SECURITY--3405 BIRTH DATE 09/04/1957 MOTHERS MAIDEN PAUL 4rNieir 8699292 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 R*day of +'t , 2011 upon the following: Marlene Higgins 5525 Barbara Dr. Mechanicsburg, Pa 17050 By: Sarah E. Ehasz, Esquire PA ID# 86469 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8699292 C-3 C:: 17 CJ -' `77 -0x `..? DISCOVER BANK, C7D IN THE COURT OF COMMON PLEAS OFD -c Mt r Plaintiff CUMBERLAND COUNTY, PENNSYLVAI w cp ? c-z vs. CIVIL ACTION - LAW a = co NO. 10-6932 CIVIL 5,,= r' C:) MARLENE HIGGINS, Q Defendant IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE HESS, P.J. ORDER AND NOW, this 3 day of May, 2011, this matter is stricken from the argument list, without prejudice, pending receipt by the Court of a stipulated order. BY THE COURT, Sarah E. Ehasz, Esquire 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 For the Plaintiff Marlene Higgins 5525 Barbara Drive Mechanicsburg, PA 17050 Defendant ?, - 'e4 /Oft/L' KevP. J. C? 5'3? I p? Am IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVOcNIA,, CIVIL DIVISION -a rnm rri cn r te DISCOVER BANK r - © ° Plaintiff Case No : 10-6932 I> :j -0 , . mac: N •? TYPE OF PLEADING - vs. PRAECIPE FOR JUDGMENT PER ORDER OF COURT MARLENE HI =G':i1S FILED ON BEHALF OF: Defendsnt. Plaintiff COUNSEL OF RECORD OF THIS PARTY: 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 # 08699292 $13352.04 f j t/ e)6 j't "41 ???,e ?a, ice( IN THE COURT OF COMMON PLEAS OF CUMBERLANDCOUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. MARLENE HIGGINS Defendant. TO THE PRO'rHONJTARY: Case No.: 10-6932 PRAECIPE FOR JUDGMENT In ligl, of th-; Court Order granting Plaintiffs Motion for Summary Judgment in favor of Plaintiff on June 7, 2011 , kiadly enter Judgment against the Defendant, MARLENE HIGGINS, in the amount of $13352.04 computed as follows: Amount Awarded per Order: $11898.93 Interest at the legal interest rate of 13.49% $1328.11 From September 8, 2010 to July 7, 2011 Attorney i' Fees TOTAL- $125.00 $13352.04 Attached is a copy of the Court Order in favor of Plaintiff for Judgment. WELTMAN, WEINBERG & REIS, CO., L.P.A. By: ?? / William T Molczad,, Esquire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 Plaintiff's address is: f;!o Weltman, Weinberg & Reis, Co., L.P.A., 1400 Koppers Building, 436 7 h Avenue, Pittsburgh, PA 15-15 And Defendant's address is: 5525 BARBARA DRIVE, MECHANICSBURG, PA 17050 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 (. overed 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. WELTMAN, WEINBERG & REIS CO., L.P.A. By: 114 William T Molczy" 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#08699292 WELTMAN, WEINBERG & REIS CO., L.P.A. BY: Sarah E. Ehasz, Esquire Attorney for Plaintiff(s) I.D. No.86469 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 8699292 DISCOVER BANK Plaintiff a w ?.lt ;A0 1111' E`IN 4SYLVA IA CUMBERLAND County Court of Common Pleas vs. MARLENE HIGGINS Defendant(s) NO. 10-6932 PRAECIPE FOR SATISFACTION OF JUDGMENT TO THE PROTHONOTARY: Please kindly Satisfy the Judgment of the above-captioned matter upon the records of the Court and mark the cost paid. WELTMAN, WEINBERG & R By P,'_ Sarah E. Ehasz, Esquire Attorney for Plaintiff , CO., L.P.A. s' q.Sb Pda?l sa LA t) S1 DC) ?a?sti3?